Financial Advisor Serving Waycross, GA

Specialized Financial Planning for Ware County Families and Railroad Employees.

We provide Fee-Only, Fiduciary advice just a short drive from Waycross. Get a plan that understands the unique rhythms of your life and your pension.

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Retirement Planning for Railroad Employees

You keep the trains moving. We help ensure your retirement stays on track.

Waycross is the heart of the rail industry in South Georgia. But if you’re a railroad employee, your financial picture looks different than the average worker's. You don't just have Social Security; you have the Railroad Retirement Board (RRB).

At Wellspring Financial, we understand the complexities of the decisions you face. We provide specialized Railroad Retirement Board (RRB) advice to help you answer questions like:

  • Tier 1 vs. Tier 2: How do your benefits interact with Social Security?

  • Spousal Annuities: Is your spouse protected if something happens to you?

  • Early Retirement: Can you afford to hang up your boots at 60 with 30 years of service?

Don't trust your railroad retirement to a generalist who doesn't know the difference between a 401(k) and a Tier 2 benefit. Work with a planner who speaks your language.

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A Fiduciary Advisor Near Waycross

If you are looking for a Fee-Only Financial Planner in Ware County, you might feel like your options are limited to bank tellers selling products or driving all the way to Jacksonville or Savannah.

Wellspring Financial bridges that gap. Located in Alma, we are a short, easy drive for Waycross residents who want a Fiduciary standard of care.

  • We Work For You: We accept no commissions from insurance companies or mutual funds.

  • We Are Fiduciaries: We are legally required to act in your best interest, 100% of the time.

  • We Are Neighbors: We understand the local economy, from the timber tracts to the healthcare systems.

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Comprehensive Wealth Management

We provide more than just investment tips. We look at your entire financial life.

Retirement Planning

Whether you are at Memorial Satilla Health, the Board of Education, or a small business owner, we build a roadmap to replace your paycheck with a reliable income stream.

Investment Management

We build low-cost, diversified portfolios designed to capture long-term growth without unnecessary speculation.

Legacy & Estate Planning

We help you steward your resources for the next generation, coordinating with your local Waycross attorney to ensure your will and beneficiary designations match your wishes.

Worth the Short Drive for Peace of Mind.

Wellspring Financial is located in Alma, roughly 30 minutes from Waycross down US-23/US-1.

We serve clients throughout Ware County who value privacy and objective advice. We offer flexible meeting formats to fit your shift schedule:

  • In-Person: Visit our office in Alma to discuss your finances away from local gossip.

  • Virtual: We can review your RRB statements and 401(k) via secure video conferencing.

  • On-Site: For farm and business succession cases, we are often happy to come to you to better understand your operation.

Get a Plan That Works as Hard as You Do.

Don't settle for a generic sales pitch. Work with a neighbor who puts your interests first.

Schedule Your Free Consultation