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Are You Prepared for What’s Around the Bend?

Retirement Planning for Railroaders



GET YOUR FREE RAILROAD RETIREMENT ASSESSMENT

Who We Serve?

Highball Advisors Helps You Plan Your Railroad Retirement


As a railroader – you know your benefits are complex.

You can find lots of information about financial planning. But railroaders really do have unique financial planning considerations that generic financial planning firms doesn’t address.

And you can find lots of  information online about your railroad retirement benefits. But it usually is geared towards educating a group – which makes it difficult to sort out how to make the best choices for your situation.

It is rare to find a financial professional who really knows the ins and outs of railroad retirement. Rarer still to find one who actually does full financial planning and investment management.

But Highball Advisors is unique. We assist 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. 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. Now let us help you maximize your hard earned Railroad Retirement. Take the next step to staying on track by taking advantage of the free 15- minute Introductory meeting.

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 Boarding for Railroad Retirement

This process will give you (and us) a framework for making an educated and informed decision about working together.

For people who are potentially a good fit for our firm, there is no cost or obligation for this process as we want you to know exactly how we can help you before you pay us a single dollar in fees or trust us with a penny of your nest egg.

Step 1 - Initial Zoom Meeting

A 15-minute phone/video call will give us both a chance to make sure your situation matches our expertise. After all, you wouldn’t see a Cardiologist if you needed foot surgery.

If we aren’t the right financial planning firm to help you, we will happily point you to the right expert for your unique needs.

Step 2 – First Virtual Meeting

Like a doctor, it’s important to diagnose before we prescribe.

The goal of this meeting is to get perfectly clear on your goals, concerns and unique financial situation.

Before this meeting, we will request a few important documents. This data will drive our analysis and result in answers to the four critical questions.

Step 3 - Our Analysis

We will apply decades of experience, thousands of hours of training and mentoring by the industry’s top experts to answer four critical questions for you:
1.  Can you afford to retire?
2.  Are you maximizing your Railroad Retirement benefits?
3.  Can your portfolio be improved?
4.  Can you eliminate, or at least reduce threats to your retirement?

Step 4 - Second Virtual Meeting

During this meeting we will explain, in plain English, exactly what you need to do to achieve your financial goals, including the answers to the four questions we asked during our analysis.

At the end of this meeting we will ask if you would like to begin working with our firm or if you would like to sleep on it.

Step 5 - Sleep On It

We are looking for long-term client relationships, not a quick transaction. It’s important that you take as much time as needed to make a decision.

To help you make a smart decision, answer these questions:

  • Do I like/trust/respect the team at Highball Advisors?
  • Do the benefits outweigh the cost?
  • Do I understand and agree with their investment philosophy?
  • Do their recommendations make sense to me?

Step 6 - All Aboard!!!

We are truly honored to be working with you. Before we depart the station, we will regroup  to answer any outstanding questions and set expectations for the New Client Onboarding Process

*While we would love to work with you, if you decide that it’s not a good fit we will wish you all the best and every success. In other words, there is never a hard-sell or pressure to say yes.



Step #1 Schedule 15-Minute Zoom Call


CLICK HERE TO SCHEDULE


How Do I Know If I'm a Good Fit?

We deliver the greatest value when we focus on situations that
require our expertise. Our typical clients are:


Railroading Professionals or Railroaders who have left the industry that are retired or want to know they have the ability to retire one day.


Diligent savers who have accumulated investable assets of at least $50,0000 (excludes real estate, 401k plans, pensions, etc...)


People who want to delegate all retirement planning and investment management to an expert so they can spend time on things that matter most to them.


Two Simple Solutions

Highball Advisors offers two tracks to help railroaders achieve their goals. The "Highball Limited"  is designed for railroaders in their wealth accumulating years of their career. The "Highball Special" solution is for railroaders nearing or are in retirement from the railroad. Both solutions are provided by a committed Railroad Retirement specialist.




Highball LimitedHighball Special

Goal Based Financial Planning and       Investment ManagementComprehensive Financial Planning and Investment Management
Railroader Strategic Portfolios

Annual Railroad Retirement Review

Access to Railroad Retirement Specialist


Annual 401k Analysis

Quarterly Check-Ins


Quarterly Performance Reporting


Railroad Retirement/Social Security Timing 

Railroad Retirement Planning 

Retirement Spending Management

Financial PlanningGoal BasedComprehensive 
Required Meetings Per Year1 virtual meetingMinimum of 2 virtual meetings
Annual Fee1% up to $1m managed and 0.5% for over $1m
1% up to $1m managed and 0.5% for over $1m
Assets Under Management Minimum*$50,000 and up
$250,000 and up

Learn MoreLearn More

Highball Limited

Goal Based Planning and Investment Management

If you are in your early in your wealth accumulating career years, then Highball Limited is a good fit for you. With it's low asset minimum, Highball Advisors will build you a railroad strategic retirement portfolio that takes advantage of the investment opportunities afforded you by your Railroad Retirement Tier 2 benefits. We will position your investments and analyze your 401k to maximize your retirement return potential.  Also, included in this service is Goals based financial planning where we will plan for things that are important to you, i.e. college, retirement, etc...

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What's Onboard

Railroader Strategic Portfolios

a custom designed portfolio of low cost ETFs that reflects your risk tolerance and Railroad Retirement benefits

Access to Railroad Retirement Specialist

communicate with a knowledgeable Railroad Retirement specialist who understands your benefits.

Quarterly Check-Ins

a quarterly communication to gauge your comfort with your investments and the markets in general

Quarterly Performance Reporting

performance reports highlighting the progress of your custodianed investment accounts

Annual Railroad Retirement Review

Annual review and valuation analysis of your Tier 2 Railroad Retirement benefits 

Annual 401k Analysis

review railroader's qualified retirement plan and highlight opportunities to increase return

Annual Review

a required virtual meeting where performance, risk and goals are reviewed

Goals Based Planning

Goals-based financial planning captures dollars that are allocated towards a specific goal (or multiple goals), and projects.

Annual Fee

1% of Assets Under Management up to $1m

0.5% of Assets Under Management over $1m

Assets Under Management are funds held at TD Ameritrade and managed by Highball Advisors. Not 401ks or other non-TD Ameritrade accounts.

Minimum Investment is $50,000

Highball Special

Comprehensive Financial Planning and Investment Management

The Highball Special is for railroaders who are growing their net worth and have increasing complexity as they advance in their careers. In order to assist you, we will partner collaboratively to develop your comprehensive financial plan. We start by creating an initial plan that showcases where you are now financially, and also your goals and vision for your life. We then work together systematically to implement the action steps and get you closer to your goals. As changes happen in your life, we adapt our strategy so it still makes sense for you. We are committed to seeing you achieve everything you have worked so hard for.

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What's Onboard

Railroader's Investment Management

all the services of the Highball Limited offering

Railroad Retirement Planning

steps to consider so you can potentially accumulate the money you'll need to pursue the retirement activities you want.

Estate Planning

manage personal affairs while you're alive and control the distribution of wealth upon your death.

Cash Flow Management

help track and analyze their spending in order to better account for and control spending in support of achieving your financial objectives

Access to Railroad Retirement Specialist

ability to contact a dedicated Railroad Retirement specialist who knows your situation

Railroad Retirement/Social Security Timing

strategies to determine optimal time to claim benefits from Railroad Retirement and/or Social Security

Tax Planning

understanding tax strategies can potentially help you better manage your overall tax situation.

Insurance and Risk Management

a well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events.

Scheduled Meetings

reach out to us at any time, but we'll plan on having regularly scheduled meetings or calls 

Comprehensive Financial Planning

College Planning, Stock Compensation, Healthcare Planning, Pension Analysis, and more...

Annual Fee

1% of Assets Under Management up to $1m

0.5% of Assets Under Management over $1m

Assets Under Management are funds held at TD Ameritrade and managed by Highball Advisors. Not 401ks or other non-TD Ameritrade accounts.

Minimum Investment is $250,000

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 Highball Helper Blog is here to assist railroaders get over steep grades. 

Learn the in and outs of Railroad Retirement, Financial Planning, Investing, etc.. Enjoy!

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Answers to Your Most Pressing Questions

Why should I work with you?
How do Highball Advisor get compenstaed?
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 relationship?
What does Comprehensive 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 and See If You Are On Track!

Not everyone is right for our firm. We are very selective of the people we choose to bring on as clients, because we have a long-term planning relationship with them.

If you just want to open an IRA and manage it yourself, Highball Advisors is not for you. There are plenty of bank representatives who can help open an account.

If you only want to buy an insurance policy, Highball Advisors is not for you. There are plenty of insurance salesmen who would be happy to sell you a policy.

But if you’re looking for a trusted advisor who understands both your Railroad Retirement benefits, and the finer points of advanced financial planning, then you should talk with Highball Advisors.


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