In The News
Forbes / July 5, 2018
How To Talk Retirement With Your Spouse
You've heard of movie dates, right? Money dates are just as beneficial to your relationship, and snacks are also encouraged. Mary Ballin puts it into context for Forbes, via writer Andrea Coombes.
ValuePenguin / May 29, 2018
Should Your Retirement Plan Include a Reverse Mortgage?
For some retirees, it may make sense to carry a reverse mortgage after they exit the working world. But if you are concerned with leaving your estate to your loved ones, this may be ill-advised. Mary weighs in.
There are good reasons to avoid a reverse mortgage, as well. For instance, you must live in the home if you have a reverse mortgage on it. If personal or health circumstances make that impossible, a reverse mortgage isn’t a viable solution, says Mary Ballin, a certified financial planner in Walnut Creek, California.
Another consideration is your family’s wishes. If it’s important to your spouse, children and grandchildren to keep the family home, a reverse mortgage may not be an appropriate financial decision. “Unless the heirs can pay (the reverse mortgage) back with other assets,” Ballin says, “they may not be able to keep the house.”
PR Newswire / April 24, 2018
Client Advisor Mary Ballin Earns CDFA® Designation
Ms. Ballin is focused, always, on helping clients make equitable and secure decisions.
"I always say, during divorce, in the decisions that come with separating assets, every dollar is not created equal. A certified divorce financial analyst (CDFA®) will make you aware of the tax implications and other financial impacts of settlement options that you might not have considered otherwise."
NerdWallet / November 22, 2017
How to Split Home Value in a Divorce
Mary weighed in on what to do with the family home after a divorce in this article by Holden Lewis for NerdWallet.
"Even in an amicable divorce, it’s wise for each spouse to order an appraisal, says Mary Ballin, a certified financial planner and client advisor for Mosaic Financial Partners, in Walnut Creek, California. Getting two appraisals protects both sides, as it’s unlikely that two appraisals would be inaccurate in the same way, she says."
Syndicated to the Huffington Post.
Financial Advisor / October 2, 2017
5 Signs Elder Care is Ruining a Client's Retirement
Americans caring for aging parents may neglect their own finances, writes Juliette Fairley for Financial Advisor magazine.
“It comes down to being proactive,” said Mary L. Ballin, a financial advisor in Walnut Creek, Calif. “If adult children are in communication with their parents and visiting periodically, there hopefully won’t be surprises concerning the parent’s financial matters.”
CNNMoney / July 27, 2017
Should I Pay Off Debt or Save?
Tackling debt responsibly means you need to look at your overall financial picture in order to understand what to prioritize. Writer Laura Sanicola quotes Mary in her CNNMoney "Broke No More" column on things to assess. Mary advises that starting simply is best: "If the debt is costing more than what you are earning, then prioritize paying [the] loans off."
Divorce Financial Analyst Journal / January 27, 2017
How to Keep Divorce from Ruining Your Client's Financial Future
In her first article geared towards professionals who assist divorcing clients, Mary stresses the emotional toll a divorce can take, and asks that this toll be kept forefront in mind while seeing to the financial planning necessities of divorcing clients. Clients may be traumatized, so professionals need to ensure they are seeing to tax and insurance elements as well as budgeting.
NerdWallet / October 31, 2016
Deciding What to Do With the Family Home After Divorce
The family house is an emotional cornerstone, but it's also an asset that must be objectively analyzed and divided when two people decide to divorce. Mary offers thoughtful tips on negotiating the key financial issues when considering what to do with the family home after divorce. Syndicated to Nasdaq, SF Gate, My San Antonio, The Atlanta Journal Constitution, Palm Beach Daily News, TC Palm, Palm Beach Post, Austin-American Statesman, WHIO, Journal News, NewsOK, Metro, and the Women's Choice Award blog.
Reuters / October 13, 2016
The Millennial On Your Cellphone Plan is Ruining Retirement
The budgetary impact of enabling grown children can be eye-opening, reports Beth Pinsker for the Reuters Money section. Mary is sourced as an advisor who councils clients on this subject, and as one who manages it personally: "Ballin not only advises clients who are trying to get their "kids" off the balance sheet, but she also knows from experience. Her 21-year-old son is currently living at home, taking a break from college. Her strategy is to enforce a payment schedule."
Syndicated to The Fiscal Times, Yahoo! Finance, and Time.com's Money.
Nerdwallet / March 21, 2016
Women: How to Keep Divorce From Ruining Your Financial Future
Divorce has a way of hitting women hard. Research shows that they take longer than men to bounce back financially. Mary Ballin discusses major points women going through divorce must remain aware of in order to protect themselves and their families.
Syndicated to NewsOK, and featured on the Women's Choice Award website.
Financial Advisor Magazine / February 10, 2016
College Debt Follows Clients Into Retirement
Our highly quotable Mary Ballin is featured in this eye-opening article by Maureen Nevin Duffy on the long term and far reaching impacts of student loan debt. Mary ends the article with a bang: “It's very important for parents to have that conversation... and not get caught up with the emotion of Little Johnny's acceptance to some Ivy League university,” she cautions. “That piece of paper with a pretty name can get you in an ugly hole.”
Nerdwallet / February 9, 2016
Female Caregivers Must Care for Themselves Too
Mary Ballin steers the focus towards care for the caregivers, who often overlook self care. "It's important to include yourself in the list of people you're taking care of."
Syndicated to Nasdaq, NewsOK, and featured on the Women's Choice Award blog.
Nerdwallet / October 23 2015
First Step to Financially Independent Offspring: Create a Family Council
Mary Ballin and Ricci Victorio wrote about the importance of creating a family council to reach financial independence.
Also posted on Nasdaq.
What Financial Planners Teach Their Children
Mary Ballin was interviewed by writer Chuck Green in an article on Deseret News National about how and what a financial planner can teach their children.
Also posted on TimesReporter / Telegram.
San Francisco Women on the Move
Mary has been recognized in the San Francisco Business Times “bizwomen” section under “San Francisco Women on the Move” for her recent promotion to Client Advisor.
Directions for Women / January 20, 2015
Why Are Women’s Circles So Effective?
Mary Ballin and Liz Revenko were recognized as some of the earliest facilitators for the national movement called Women’s Circles.
CNBC / January 26th, 2015
Risky Business: Gauging Tolerance of Market Volatility
Mary Ballin, a CFP® and senior financial planner with Mosaic Financial Partners, said investors' goals are sometimes conflicting. "You could have, say, [a retired person] who doesn't want any risk," said Ballin, noting that such a person's portfolio would be earning very little income because of the safety of their investments.