Financial Planner Serving Baxley, GA
Maximize your Plant Hatch retirement benefits with a local Fiduciary.
We provide Fee-Only financial planning for Appling County families, with specialized expertise in Southern Company pension and 401(k) strategies.
Maximize Your Nuclear Plant Company Benefits
You keep the lights on. We help you keep your retirement secure.
Baxley is powered by the hard work of the folks at the local nuclear plant. But navigating your benefit system can be complex. Whether you are an engineer, an operator, or in administration, you have critical decisions to make before you hand in your badge.
At Wellspring Financial, we help nuclear plant employees answer the big questions:
Pension Options: Should you take the monthly annuity or the lump sum? We run the math on your specific "Rule of 85" eligibility to see which option truly protects your family.
The "Employee Savings Plan" (401k): Do you leave your 401(k) with the plan sponsor or roll it over? We help you understand the fees you are currently paying and exploring options for more personalized control.
ESOP & Stock Concentration: Is too much of your net worth tied up in your company’s stock? We help you diversify so your retirement isn't solely dependent on one company's performance.
Wealth Management for the "Turpentine Capital"
It’s not just about stocks. It’s about the soil.
Appling County has a proud heritage as the "Turpentine Capital of the World." We know that for many families in Baxley, true wealth is found in timber tracts and blueberry fields.
A stock-broker from Atlanta might not understand why you want to hold onto the family land. We do. We offer Timber Land Financial Planning, helping you integrate your acreage into your overall net worth statement. We work with your CPA to plan for:
Tax-efficient timber harvests.
Passing land to the next generation without family conflict.
Liquidity strategies so you aren't "land rich and cash poor."
A Fiduciary Neighbor, Not a Salesman.
If you live in Appling County, you want advice from someone who understands your values, not just a spreadsheet.
No Commissions
We don't sell insurance or annuities. We get paid for our advice.
Fiduciary Standard
We are legally bound to put your interests first.
Retirement Readiness
We combine your Southern Company pension, Social Security, and personal savings into one clear roadmap.
Flexible Planning for Shift Workers.
Wellspring Financial is located in Alma, just a 20-minute drive down US-1 from Baxley. We offer the professional, Fee-Only standard of care you deserve, right here in your backyard
We know the outage schedule at the Plant can make meeting during "banking hours" difficult. We offer flexible meeting options to fit your life:
Virtual Meetings: Hop on a Google Meet call during your off-days.
In-Person: Visit our private office in Alma.
On-Site: For timber and farm clients, we are happy to meet you on your land.
Don't Guess About Your Retirement. Get the Facts.
You’ve worked years to earn your benefits. Let’s make sure they work for you.