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:

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.

Money has always been more than numbers for Randall White—it’s the family story that shaped her childhood. Her father built a thriving insurance practice—the same practice Randall leads today—while her mother rose to vice president at a community bank, but only after the young couple weathered lean years that left lasting lessons around the dinner table. By 13, after tagging along on countless client meetings with her dad, Randall knew she wanted to help people turn financial worries into confident strategies. 

That early calling is now backed by rigorous credentials: an MBA, CFP®, ChFC®, PurseStrings Approved Advisor, and Psychology of Financial Planning Specialist™ designations. With a dedication to being thorough, transparent, dedicated, and attentive, Randall examines every angle of a family’s finances—often uncovering small adjustments—and always remains present as life evolves. Each client referral remains her proudest accolade, proof that genuine relationships blossom into multigenerational confidence. 

Randall also dedicates her time to giving back to her community. From helping friends and neighbors better navigate their financial path to staying involved with local organizations, Randall works hard to give back to the community that’s given her so much. 

Away from work, you’ll find Randall reading with her book clubs, plotting the next Disney adventure, or enjoying time with her husband, son, and three exuberant Labrador Retrievers. 

No matter where her clients are in life, Randall’s goal is simple: walk beside each family with steady guidance so they can focus on living the story they’ve dreamed. 

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 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.

Lisa has been with ASB Financial Services since its inception. She is the bookkeeper and also helps Candice with the day to day operations of the business.

She is also the beautiful wife and friend of John Hays and mother of David and Daniel.

Outside of the office, she enjoys spending time with family and friends as well as being an active member of her church.

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.