Real Conversations.
Real Plans.
Real Confidence.
Since the 90s, ASB Financial has helped families in Jackson and beyond turn retirement questions into confident decisions. Founder John Hays built the firm on knowledge, deep personal service, and a passion for helping others thrive in retirement—not just financially, but emotionally. Today, Randall White carries that mission forward, combining industry-leading credentials with a warm, personal approach grounded in listening first, planning second.
Abide. Serve. Build.
At ASB Financial Services, our mission is to serve individuals and families by helping them build stable, confident financial futures through dedicated guidance, personalized financial strategies, and accessible financial information. We are committed to helping simplify complex financial decisions and equipping our clients with the knowledge and tools they need to make informed choices at every stage of life.
Who We Serve Best
We work best with individuals and families who are intentional about their financial future—those approaching or already in retirement, committed to smart tax and income strategies, and thoughtful about the legacy they leave behind. If you know retirement planning isn’t something to tackle alone, we’re here to help.
We Proudly Serve:
Retirees and Pre-retirees
Business Owners
Veterans
Families
Who We Serve Best
We work best with people who are intentional about their financial future—those nearing retirement, committed to smart tax and income strategies, and thoughtful about the legacy they leave behind. I
f you know retirement planning isn’t something to tackle alone, we’re here to help.
Ages 50+
Those nearing retirement and ready to make work optional in 5-10 years.
$250k+ Saved
diligent savers who want to lower taxes and protect income.
Value Expertise
people who know retirement is too important to DIY.
Randall White MBA, CFP®, ChFC®
Owner & Director of Planning
Series 65 • Life & Health Insurance Licensed
Money has always been more than numbers for Randall White. It is the family story that shaped her childhood. Her father built the insurance practice Randall leads today, while her mother worked her way to becoming a vice president at a community bank. Watching their perseverance through both challenges and success taught Randall that financial planning is ultimately about helping people build better lives. By the age of 13, after accompanying her father to countless client meetings, Randall knew she wanted to help families replace financial uncertainty with confidence. No matter where life takes her clients, Randall's goal remains the same: to walk alongside them with trusted guidance, genuine care, and a commitment to helping them build a legacy that lasts.
Areas of Expertise
Randall takes a comprehensive approach to financial planning, helping clients navigate retirement, investments, estate planning, and life's biggest financial decisions. Known for being thorough, transparent, dedicated, and attentive, she brings both deep technical knowledge and a genuine understanding of the emotions behind every financial decision. Her greatest accomplishment isn't found in a designation or award. It's the trust of the families who continue to refer their friends, children, and grandchildren to her.
Education & Credentials
- Master of Business Administration (MBA)
- Psychology of Financial Planning Specialist™
Community & Professional Leadership
Service has always been at the heart of Randall's work, both inside and outside the office. She believes that giving back is a responsibility, not a requirement. Whether mentoring future financial professionals, serving on industry and nonprofit boards, supporting military families, leading community organizations, or volunteering throughout Mississippi, Randall is passionate about using her time, talents, and leadership to strengthen the community she calls home. She believes the greatest impact comes from investing in people, and that same servant-hearted approach guides every client relationship.
- Women in Insurance & Financial Services (WIFS) – Member (2021–Present); National Board Member & Membership Co-Chair (2024–Present)
- Rankin First Economic Development Authority – Board Member (2022–Present)
- Defense Communities Development Council – Member (2025–Present)
- Military Spouse Community Leadership Initiative – Member (2025–Present)
- FINRA – Non-Public Arbitrator (2021–Present)
- Rankin Chamber of Commerce – Leadership Rankin Class (2023–2024); Connectors' Committee (2024–Present)
- Chamber of Flowood – Member (2014–2019; 2022–Present)
- Mississippi State University Alumni Association – Central Mississippi Alumni Chapter Secretary (2015–2017), Vice President (2018), President (2019), Social Media Chair (2019–2023), Current Past President (2020)
- Mississippi Army National Guard Special Forces – Family Readiness Group Leader (2018–2022)
- Junior League of Jackson – Member (2019–2025); Sustaining Member (2025–Present)
- Pi Beta Phi Jackson Metro Alumnae Club – Programming Chair (2012–2018); President (2018–2024)
Personal Life
Away from work, you'll find Randall reading with her book clubs, planning the next Disney adventure, or spending time with her husband, son, and their three Labrador Retrievers.
Having been in the industry for over three decades, John Hays is passionate about serving his clients and ensuring integrity within those relationships. His personal service provided to each client is paired with expertise in retirement income and legacy planning.
John strives to create relationships built on confidence, so that clients can feel assured he is not only there to help them through the decision-making process, but also available to assist their spouses and children during times of need.
Outside of work, John is a committed family man to his wife, Lisa, and two sons, David and Daniel. As a family, they enjoy spending time together traveling. John enjoys riding his motorcycle and working his acreage in the country. In addition, John is a board member for Teen Challenge, an organization dedicated to changing the lives of teens and adults.
Nathaniel believes a financial plan should be tailored to your unique vision, not everyone else’s. That conviction drives his truly individualized approach: before any numbers are crunched, he learns a client’s goals, values, and life stage, then designs strategies that feel both personal and practical. Prioritizing knowledge, he translates complex concepts into clear choices so clients gain the confidence that comes from understanding.
His technical depth spans comprehensive financial planning, retirement-income design, tax-aware investment management, and long-term-care planning. Nathaniel’s analytical, strategic mind turns daunting statistics into action plans that preserve dignity, protect assets, and let families focus on what matters.
Clients describe him as dedicated, curious, and steady—qualities evident in his commitment to be available, responsive, and proactive, especially when markets jolt or life throws a curveball. Seeing someone breathe easier because their future feels under control is, to him, the ultimate reward.
Away from the office, you’ll find Nathaniel outdoors—hiking remote trails, kayaking winding rivers, hunting, woodworking, or even operating heavy equipment just for fun. A lifelong learner, he devours podcasts and audiobooks on history, economics, and science, always seeking fresh insight he can bring back to his craft.
Whether mapping a first budget or protecting a legacy, Nathaniel builds both plans and relationships—helping guide clients with dependable expertise so they can live the story they’ve imagined.
Candice Austin
Client Relations Director
Candice joined ASB Financial Services in May 2013 to help manage day-to-day experiences with clients, as well as marketing campaigns. She is the driving force behind client satisfaction, striving daily to ensure they receive superb service in each interaction with ASB.
Candice resides in Clinton, Mississippi, where she is a wife and mother of three children.
When away from the office, she enjoys singing on the praise team at her church and spending time with family and friends.
A Clear Path for
Growing, Living, and Giving
Listen & Learn
Every great plan begins with understanding. We take time to hear your story—what you’ve built, what you value, and what you hope to achieve. Together, we’ll clarify your goals and review your financial landscape so you can see exactly where you stand today.
Plan & Protect
Once we understand your goals, we examine your full financial picture and stress-test it against real-world challenges like market volatility, inflation, taxes, and longevity. This stage reveals opportunities to strengthen your strategy and protect what matters most.
Grow & Give
With your plan in place, we help you put it into action—building wealth wisely, sustaining the life you’ve earned, and creating room to focus on family, opportunity, and serving others. Your financial confidence becomes a foundation for generosity and long-term impact.
Partner With Advisors Whose Life’s Work Is Protecting Yours
Gain the clarity and confidence to focus on family, opportunity, and the life you’ve earned.
