Located directly on State Road 77 (Main Street) in downtown Chipley at 934 Main Street, Chipley, FL 32428 ((850) 638-0388; Fax (850) 638-0205), Southern Financial Group is a full-service independent retirement planning, investment management, and asset protection practice serving Washington County retirees across Chipley (32428), Sunny Hills (32428), Vernon (32462), Wausau (32463), Caryville (32427), and Ebro (32437). The Chipley office operates under the SEC-registered investment advisory umbrella of Southern Financial Group, LLC (Firm CRD #142644 / SEC File #801-67489, SEC-approved since 2007), with brokerage securities offered through FINRA/SIPC member J.W. Cole Financial, Inc. (Firm CRD #124583 / SEC File #8-65698) and fee-based advisory services aligned with J.W. Cole Advisors, Inc. (Firm CRD #112294 / SEC File #801-60722). Staffed locally by Financial Advisor Josh William Parrish (FINRA Individual CRD #7118500, registered with J.W. Cole Financial since June 2019, holding SIE, Series 6, and Series 63 licenses with 0 customer dispute or regulatory disclosures on FINRA BrokerCheck) and veteran advisor Wayne White (alongside historical Chipley Sunbiz entity White's Southern Financial Group, LLC, Doc# L16000183539), the practice assists Panhandle seniors with tax-efficient IRA and 401(k)/403(b) rollovers, FRS DROP distribution planning, fixed and indexed retirement income annuities, Social Security timing, and legacy estate preservation.
Official Verification Sources: FINRA BrokerCheck — Josh William Parrish (CRD #7118500) & J.W. Cole Financial, Inc. (CRD #124583); SEC IAPD Profile — Southern Financial Group, LLC (CRD #142644 / SEC #801-67489); Southern Financial Group — Official Chipley Office Website (934 Main St)
Issuer: Financial Industry Regulatory Authority (FINRA) & U.S. Securities and Exchange Commission (SEC)
Notes: Verified 2026-10-23: Josh William Parrish (Ind. CRD #7118500, registered since June 2019, SIE, Series 6 & Series 63 exams passed, 0 disclosures) and advisor Wayne White serve Washington County clients from Southern Financial Group at 934 Main St, Chipley, FL 32428 ((850) 638-0388), with securities offered through J.W. Cole Financial, Inc. (CRD #124583).
Issuer: U.S. Securities and Exchange Commission (SEC)
Notes: Southern Financial Group, LLC (Firm CRD #142644 / SEC File #801-67489) maintains its Northwest Florida branch office at 934 Main St, Chipley, FL 32428 ((850) 638-0388). Note: Historical downtown Chipley broker-dealer Independent Securities Investors Corp. (795 Main St, CRD #43598) is confirmed terminated.
Factual details and direct answers about Southern Financial Group — Josh W. Parrish & Wayne White (J.W. Cole Financial, Inc. / Southern Financial Group, LLC — Chipley Office)'s services, licensing, and credentials.
Where is Southern Financial Group located in Chipley and how are its advisors regulated?
Southern Financial Group is located on Highway 77 in downtown Chipley at 934 Main Street, Chipley, FL 32428 ((850) 638-0388). Local advisor Josh William Parrish (FINRA Individual CRD #7118500, 0 disclosures) and Wayne White operate under Southern Financial Group, LLC (SEC RIA CRD #142644 / SEC #801-67489) with securities offered through FINRA/SIPC member J.W. Cole Financial, Inc. (CRD #124583).
Can Sunny Hills, Vernon, and Chipley retirees meet in person at the 934 Main Street office for IRA rollovers and retirement income planning?
Yes. The Chipley office at 934 Main Street provides in-person retirement consultations for residents throughout Washington County, including 401(k) and FRS DROP rollovers, IRA management, fixed and indexed annuities, and survivor income planning.
Connect with complementary legal, financial, and residential providers serving seniors in Chipley and Washington County.
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.