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Retirement Planning for Railroaders Over Age 50

Simplify Your Hard Earned Railroad Retirement


Who We Serve?

We are Railroad Retirement planning experts and do our best work with:

Aged 50+


Expert Guidance

Current and former railroaders over age 50 who are retired or want to make "work optional" in the next 2 years.Diligent savers who have accumulated investments of $500k or more. (Excluding real estate.)People who value hiring an expert because they know their Railroad Retirement is too important to manage it alone.

Are you a railroader or ex-railroader? If so, you understand that your benefits can be quite complex and require specialized attention.

When it comes to financial planning, there's plenty of information out there. However, generic financial planning firms often overlook the unique considerations that railroaders face.

At Highball Advisors, we take pride in understanding the intricacies of railroad retirement. Unlike many others, we offer comprehensive financial planning and investment management services specifically tailored to current and former railroad professionals.

Having worked hard and made sacrifices throughout your career, you've accumulated enough wealth to retire comfortably. Our goal is to help you plan for and smoothly transition into retirement. As a fee-only office, we prioritize your best interests and ensure that your hard-earned Railroad Retirement benefits are maximized.

Let Highball Advisors be your trusted partner on the journey to a secure and fulfilling retirement.

Start Boarding for Railroad Retirement®

Boarding for Railroad Retirement® 

Discover the secrets to achieving a successful Railroad Retirement while reducing your tax burden with a simple 3-step process.

Our mission is to provide you with clear and straightforward guidance on maximizing your wealth and living your best life. We understand that money matters can be overwhelming, but at Highball Advisors, we strive to bring simplicity, clarity, and confidence to this complex subject.

If you're considering Highball Advisors as your financial partner, rest assured that there are no upfront costs or obligations for this process. We believe in transparency and want you to fully grasp how we can assist you before any fees are involved or you entrust us with your hard-earned nest egg. Your financial well-being is our top priority, and we're here to help you every step of the way.

Step 1 - Tell Me About Yourself
Step 2 - What's Your "Why"
Step 3 - Our Analysis

Think About It!

Upon completing this process, we will kindly request you to take some time to consider our proposal. Our primary focus is on building long-term relationships rather than pursuing quick transactions.

If you feel that our services are not the perfect fit for your needs, we completely understand. We are more than willing to assist you in finding another professional with the right expertise who can better address your financial goals. We value transparency and will never employ hard-selling tactics or pressure you to make a decision. Your comfort and satisfaction are our top priorities.

Start Boarding for Railroad Retirement®

Working With Highball Advisors

Comprehensive Financial Planning and Investment Management

Together, we will work collaboratively to create a comprehensive financial plan tailored to your specific needs. Life is dynamic, and as changes inevitably occur, we will adjust your strategy to ensure it remains relevant and effective for you. Our commitment is unwavering in helping you achieve the goals you've diligently pursued. Your success is our ultimate reward, and we are dedicated to supporting you every step of the way.

Investment Management

We take great care in crafting our investment portfolios to assist railroaders in effectively managing risk, enhancing returns, and establishing a dependable income stream.

Railroad Retirement Planning

With a thorough understanding of all your retirement income streams, our retirement planning services ensure that you can achieve your goals without the worry of running out of money.

Estate Planning

We will help manage personal affairs while you're alive and control the eventual efficient distribution of your wealth. 

Cash Flow Management

We help turn your nest egg into a reliable income stream by:

  • Keeping your taxes low
  • Reduce costs
  • Maximize investment return
  • Match portfolio risk
  • Preserve your savings
Access to Railroad Retirement Specialist

You will have a Railroad Retirement expert in your corner making sure your years in the Railroad was time well spent.

Railroad Retirement/Social Security Timing

As a Railroad Retirement planning specialists, we help you determine the best time to collect Railroad Retirement/Social Security.

Tax Planning

Without careful planning, it’s very possible to have a higher tax bill in retirement than as a working professional. Our tax planning services aim to help keep taxes low today and in retirement.

Insurance and Risk Management

Our insurance planning helps you maximize your protection and lower your annual costs. And, as a commission-free financial planning firm, we get paid exactly $0 when we help you buy an insurance policy.

Scheduled Meetings

We will meet at a minimum twice annually after the initial onboarding process is completed.

Comprehensive Financial Planning

As a Comprehensive planner, we will assist with College Planning, Stock Compensation, Healthcare Planning, Pension Analysis, Medicare 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 Charles Schwab & Co. and managed by Highball Advisors. Not 401ks or other non-Charles Schwab & Co. accounts.

Minimum Investment is $500,000

Start Boarding for Railroad Retirement®


"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®

Meet John McNamara, CRPC®, the visionary behind Highball Advisors and its President. As a fee-only financial advisor, John specializes in guiding railroaders through the journey of retirement, helping them not only transition from their railroad careers but also thrive beyond.

What sets Highball Advisors apart is its dedicated focus on assisting current and former railroad professionals who have dedicated their lives and made significant sacrifices to accumulate the necessary wealth for retirement. John understands the unique challenges and opportunities that railroaders face, and he works diligently to help them plan and navigate their retirement years with confidence.

John has established himself as a thought leader in the Railroad Retirement financial planning industry. Recognizing the importance of education, he has produced a vast library of informative videos designed specifically for railroaders. These videos address common questions and concerns regarding Railroad Retirement, providing invaluable insights and empowering railroaders to make informed decisions. Railroaders can access his extensive collection of videos on the dedicated Railroad Retirement YouTube channel.

Highball Advisors operates as a registered financial planning firm based in Greenville, SC, and is authorized by the State of South Carolina. Despite its headquarters being located in Greenville, the firm proudly serves clients nationwide, extending its expertise to individuals across the country.

Equipped with a Series 7 and Series 66 license, John McNamara combines his comprehensive knowledge, professional certifications, and genuine passion for assisting railroaders in securing a prosperous retirement. Through Highball Advisors, he strives to make a positive impact in the lives of railroaders and their families, ensuring they can enjoy a rewarding and financially secure future.

Start Boarding for Railroad Retirement®

The Highball Advisors Learning Depot is here to assist railroaders with their retirement planning challenges.

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 compensated?
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.

Subscribe to YouTube Railroad Retirement Channel