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Are You Prepared for What’s Around the Bend?

You work hard and sacrifice more than most. 

We work to keep you on track.


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Who Do We Serve?

Highball Advisors specializes in partnering with professionals in the railroad industry.


Highball Advisors assists railroad professionals who lived frugal upper-middle income lives, allowing them to accumulate enough wealth to retire. We help you plan for and transition into retirement. We are a comprehensive fee-only financial planning and investment management office, focused on helping you get the most out of your money in retirement, as you did throughout your working years. We partner with railroaders from all over the country. We'll take the time to get to know your goals and help you navigate your financial options to build a retirement strategy that works for you. We respect the hard work and sacrifices that you have made throughout your career.  Take advantage of the free consultation to see if we can help. It’s a 30 minute no strings attached video call. We look forward to talking with you.


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The Guidance You Need to Make the Right Decisions for Your Future. 

Life is full of financial decisions.

Employee benefits, 401(k), retirement, healthcare spending, house down payments, debt management etc... How do you know if you’re doing it all right? At Highball Advisors, we don’t want you to waste opportunities, that’s why it's so important to have a sound financial plan in place.


The benefits of sound financial planning


Organization

We will help bring order to your financial life, by assisting you in getting your financial house in order (at both the “macro” level of investments, insurance, estate, taxes, etc., and also the “micro” level of household cash flow).



Accountability

We will help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly review your progress towards achieving them.



Objectivity

We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any of our own potential conflicts of interest.



Proactivity

We work with you to anticipate your life transitions and to be financially prepared for them, by regularly assessing any potential life transitions that might be coming, and creating the action plan necessary to address and manage them ahead of time.



Education

We will explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions, and explaining the options and risks associated with each choice.



Partnership

We attempt to help you achieve the best life possible but will work in concert with you, not just for you, to make this possible, by taking the time to clearly understand your background, philosophy, needs and objectives, work collaboratively with you and on your behalf (with your permission), and offer transparency around our own costs and compensation.




What you can expect from me:

As a fee only advisor it means that I am not compensated by any other firm or individual for selling you a product. I work strictly for you and am compensated by you alone. This relationship allows me to give you  unencumbered advice when it comes to your investments. It allows for transparent and honest conversations when it comes to achieving your goals. Also, it is very important to me that you understand your investments. I provide a simplified and jargon free way of communicating with my clients.

What I expect from you:

For our partnership to work, I need to know what is important to you. I need you to be as transparent with me as possible. If there is a life changing event, I need to know about it. I also would expect you to seriously consider any advice that I give you. Finally ask questions of me, it is important for you to have confidence in your strategy.

How much does it cost?

The ongoing financial planning service requires an upfront fee of $500 for initial planning and setup. After the initial setup, a $1200 per year retainer is required for ongoing financial planning which will be billed in arrears each month.


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To achieve your most important goals, we need your money to grow. 

However, this introduces risk. At Highball Advisors, our goal is to do everything possible to control this risk while increasing your wealth. We use a four step process.


Where are you currently?

We work together to put together a clear picture of your current financial situation.





What would you like to achieve?

We will work together to understand your specific goals that you would like to attain.




How do I achieve my goals?

We will select together an appropriate mix of high quality/low costs investments based on your financial goals, risk tolerance, and time horizon.





How do I stay on track?

By meeting on a regular basis we can help determine whether you should make any adjustments to your investments.




What you can expect from me:


As a fee only advisor it means that I am not compensated by any other firm or individual for selling you a product. I work strictly for you and am compensated by you alone. This relationship allows me to give you to give you unencumbered advice when it comes to your investments. It allows for transparent and honest conversations when it comes to achieving your goals. Also, it is very important to me that you understand your investments. I provide a simplified and jargon free way of communicating with my clients.

What we expect from you:


For our partnership to work, I need to know what is important to you. I need you to be as transparent with me as possible. If there is a life changing event, I need to know about it. I also would expect you to seriously consider any advice that I give you. Finally ask questions of me, it is important for you to have confidence in your strategy.

How much does it cost?

Investment Management fee is 1.00% for Assets Under Management(AUM) up to $1,000,000. Assets over $1,000,000 are then charged at a rate of 0.50%.

There is no minimum required for investment management services.


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About

"In the end, it's not the years in your life that counts. It's the life in your years." ...Abraham Lincoln


John McNamara, CRPC® Photo

John McNamara, CRPC®

Prior to starting Highball Advisors, I owned a commodity trading and brokerage company in New York, Chicago, and Dublin. Fear, greed, and pride were some of the daily working conditions in the financial markets. I enjoyed my twenty plus years in the trading “pits” and came away with some great life lessons. Regrettably, computers and automation would descend upon the financial industry and with that the trading “pits” would vanish. Progress eventually catches up with most industries. You either adapt or go away. I adapted by starting my own internet trading exchange in Dublin, Ireland called Intrade. Government regulation would eventually shutter the business after ten years.

Leveraging my years of experience in the financial markets and business, I wound up working for a large national broker-dealer in Greenville,SC. However, it didn’t take me long to realize that individuals need a partner to offer impartial financial advice and not a salesman. There is no doubt people need help. Study after study has demonstrated that. But people don’t want to be “sold” unnecessary investments. So I opened up my fee-only advisory firm, Highball Advisors, to provide unbiased guidance to railroad professionals. It was important to me that I only received compensation from my clients and not paid commissions by investment houses and insurance companies hence fee-only.

I currently reside in Greenville, SC with my wife Becky, our dog Phoebe, and two very cranky cats. Becky and I raised four daughters who have left the nest. Three of them live in New York City and the remaining is studying at Clemson University. My interests that I enjoy – golf,hiking,college football, and most of all traveling to see my girls in New York. Becky and I lead the Feed the Hungry Ministry at St. Mary’s Magdalene Church, which serves meals to the homeless in Greenville area. We both find it rewarding and helps us put things in perspective.

To sum it all up, I have been extremely blessed throughout my life. From family to career, I don’t have anything to complain about. Not that anyone is listening. The most satisfaction I receive however is from service to others. While Highball Advisors is a business, it is partnering together and achieving goals that is so rewarding to the bottom line.

I am a registered investment advisor (RIA) and hold a Series 7 and 66 license. I am also a Chartered Retirement Planning Counselor (CRPC®).



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Highball Helper Blog

The helper locomotive is there to assist trains to get over steep grades. 

This blog serves the same purpose. It is here to help give ideas to get you over those steep financial grades that lie ahead of you. I hope you enjoy!

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Answers to Your Most Pressing Questions

Why should I work with you?
How do Highball Advisor employees get paid?

Highball Advisors is a fee-only firm, meaning I get paid only by you, the client, not by selling any products or making any referrals to other providers. I am also a fiduciary, so I put your interests first. This means that if I recommend an insurance policy or a mutual fund to you or suggest you take some action, I’ve done so because I think it serves your needs the best, not because I am making money off of it.

I don’t live in Greenville, S.C. Can I still work with you?
Do I need a certain amount of money to work with you?
Can’t I just do all this financial planning myself?
Can I cancel my ongoing planning relationship?
What does financial planning include?
I’m not in the Railroad industry. Can I still work with you?
Do I have to pay for my first meeting with you?

Send Us a Message! We’d Love to Set up a Meeting.

It all begins with you. We’re here to provide direction to help keep you on your financial track. To get started complete the form below or contact us today.




Account Access

Features:

  • Account Aggregation and Organizer
  • Financial Goals Tracker
  • Unlimited Document Storage
  • Spending and Budgeting
  • Mobile Web- Access
  • Self Registration and Onboarding

Highball Client Portal

Click Logo to Enter


Getting Started on Mobile

  1. Once you've completed the self-registration process for your Personal Financial Website, you will receive a Website Registration Confirmation email.
  2. Using your smart phone, access your email and click on the URL provided. Before logging on, add or save the link to  your smart phone’s Home Screen.
  3. The first time you log on, enter the same Username and Password you use to access your full Personal Financial Website. After this initial logon, you’ll be prompted to register your device and create a 4 digit PIN for easier access in the future