ASB Financial Services - Flowood, MS

08/20/2026

🎉 We’re excited to share that Nathaniel Wheeler has been selected to represent ASB Financial Services in this year’s Leadership Rankin class with the Rankin County Chamber!

Leadership Rankin brings together local leaders who are passionate about learning, growing, and making a positive impact in Rankin County. We’re proud to have Nathaniel representing ASB and look forward to seeing the connections he makes and the impact he and his fellow class members will have on our community.

Congratulations, Nathaniel! 👏 We’re excited for the year ahead!

08/12/2026

One of the Most Powerful Retirement Strategies Many People Miss

High earners often cannot contribute directly to a Roth IRA but still want tax free growth opportunities.

That is where the Mega Backdoor Roth might make sense.

According to Fidelity Investments, some 401(k) plans allow after tax contributions to be moved into a Roth account, opening the door to potentially significant tax free growth over time.

👉 https://www.fidelity.com/learning-center/personal-finance/mega-backdoor-roth

Not all plans allow it.

To even consider this strategy, your 401(k) typically needs

After tax contribution capability

In service withdrawals or Roth conversions

The question is:
Does your retirement plan give you access to strategies like this, or is it leaving opportunities on the table?

08/09/2026

📚 Happy National Book Lovers Day! 📚

Books have the power to challenge the way we think, inspire new ideas, and help us grow both personally and professionally.

One of Randall’s favorite books is The World Is Flat by Thomas L. Friedman. Its thought-provoking perspective on globalization, technology, and the rapidly changing world reminds us of the importance of staying informed and adapting to change. Those same principles apply to financial planning.

What's a book that has changed your perspective? Share your favorite in the comments!

08/05/2026

$220,000 Per Second
$13.2 million per minute
$792 million per hour
$19 billion per day
$583 billion per month

Nearly $7 trillion per year 💵

This is the approximate amount U.S. government currently spends.

To put that into perspective, these figures represent total federal spending across areas such as:
Social Security
Medicare and Medicaid
Defense spending
Interest on the national debt
Infrastructure
Federal agencies and government programs

What many people do not realize is that interest payments on the national debt are becoming one of the fastest growing expenses in the federal budget. 📈

In other words:

America is increasingly spending money just to maintain debt it already owes.

Whether someone sees that as sustainable or concerning, one thing is becoming harder to ignore:

Long term government spending will likely influence future taxes, inflation, interest rates, and retirement planning for decades to come.

So here’s the question:
If spending continues rising at this pace, what do you think eventually changes first?

Source: https://fiscaldata.treasury.gov/

07/29/2026

Mid Year Check: Is It Time to Choose or Switch Your Financial Advisor?

With 2026 already halfway over, many people are reviewing their progress toward retirement and other financial goals.

That raises an important question:

Do you have the right advisor sitting on your side of the table?

According to Vanguard, choosing a financial advisor starts with understanding what kind of help you actually need. Some people are looking for investment management. Others need guidance on retirement income, tax strategies, estate planning, or creating a comprehensive financial plan.

A few things worth considering 🧐

Does your advisor understand your specific goals?

Do they communicate in a way that makes sense to you?

Are you clear on how they are compensated?

Do they have the credentials and experience you're looking for?

Most importantly, do they help you make better financial decisions?

The right advisor is more than someone who manages investments. They should be a trusted partner who helps you navigate important financial decisions through every stage of life. 🤝

Source:
How to Choose a Financial Advisor
https://investor.vanguard.com/advice/personal-financial-advisor

The Question Is:

What quality matters most to you in a financial advisor: trust, communication, expertise, accessibility, or something else?

07/22/2026

🥂Great clients. Great conversations. Great evening. 🥂

Thank you to everyone who joined us for our Client Appreciation Dinner at Amerigo! We enjoyed learning from Jake with Mississippi Smart Homes about artificial intelligence, cybersecurity, and practical ways AI is changing the world around us.

A special thank you to The Scout Guide Jackson for connecting us with Jake. We're grateful for the partnership and the opportunity to bring this timely and informative presentation to our clients.

We love creating opportunities to bring our clients together while exploring topics that matter today and in the future. Thank you for being part of the ASB Financial Services family!



The Scout Guide Jackson, , ,

07/16/2026

Questions From the Conference Table

Real Questions. Real Answers. Real Retirement Planning.

The best financial conversations don't happen on television. They happen around a conference table.
We'll be sharing real questions we're asked by clients and professionals in our community, along with practical answers that can help others navigate their own financial journey.

Today's Question:

Can I contribute to a Roth IRA and a SEP IRA?

Yes, in many cases, you can contribute to both.

A SEP IRA is an employer sponsored retirement plan often used by self employed individuals and small business owners. A Roth IRA is a personal retirement account funded with after tax dollars.

Because they are different types of retirement accounts, contributing to a SEP IRA does not automatically prevent you from contributing to a Roth IRA.

For 2026:

Roth IRA contributions are generally limited to $7,500 per person, or $8,600 if age 50 or older, subject to income limits.

SEP IRA contributions can be substantially higher, potentially allowing business owners and self employed professionals to save significantly more for retirement.

For many business owners, using both accounts can be an effective way to increase retirement savings while creating tax diversification for the future.

Sources:
IRS SEP IRA Information (https://www.irs.gov/retirement-plans/plan-sponsor/simplified-employee-pension-plan-sep)

IRS Roth IRA Information (https://www.irs.gov/retirement-plans/roth-iras)

The Question Is:

If you own a business or earn self employment income, are you taking advantage of all the retirement savings opportunities available to you?

07/08/2026

07/04/2026

🇺🇸 Happy 4th of July from ASB Financial Services! 🇺🇸

As we celebrate the freedoms and opportunities that make our country so special, we wish you and your loved ones a safe, joyful, and memorable Independence Day.

07/01/2026

Many business owners do not realize how massive the difference in retirement contribution limits can be.

For the right self employed individual or small business owner, a SEP IRA can allow dramatically larger retirement contributions while also potentially reducing taxable income.

Higher limits.

Potential tax deductions.

Simple setup.

Flexible contributions.

A lot of people focus on income.

Very few focus on efficiency.

Source:

IRS SEP IRA Overview
https://www.irs.gov/retirement-plans/plan-sponsor/simplified-employee-pension-plan-sep

Question:

Should more business owners be using retirement accounts as part of their tax strategy?