A steady light in every season of life.
Advance Financial Lighthouse was founded in Oklahoma City on a simple belief: your money should reflect everything you stand for. Your goals, your family, your values, your legacy.
Most advisors manage money. We manage money and guide lives, walking beside our clients through every market cycle and every life transition, from first homes to retirements to the next generation.
As a fiduciary firm, we are legally and ethically bound to put your interests first. Every decision, every recommendation, every time.
Comprehensive Fiduciary Wealth Management
Every service is part of one coordinated strategy, built around your life, your values, and your long-term goals.
One fiduciary team. One coordinated strategy. Built around your life.
Investment Management
Diversified, disciplined portfolios designed around your goals, risk tolerance, time horizon, and tax situation — with ongoing monitoring, rebalancing, and transparent reporting.
Explore Investment Management →Comprehensive Financial Planning
A coordinated roadmap covering retirement income, cash flow, and net worth, with scenario modeling and goal-based planning for education, lifestyle, and legacy.
Explore Financial Planning →Tax Planning & Efficiency
Tax-efficient withdrawal sequencing, Roth conversions, capital-gains and tax-bracket strategy, and asset location — coordinated with your CPA to help keep more of what you earn.
Explore Tax Planning →Insurance & Family Protection
Life insurance and long-term care analysis, disability and income protection, asset protection, and liquidity planning to help safeguard what you have built.
Explore Insurance & Family Protection →Estate & Legacy Planning Coordination
Trust and will coordination with your attorney, beneficiary and asset-titling strategy, generational wealth transfer, and charitable giving — to protect and pass on what matters.
Explore Legacy Planning →Behavioral Coaching & Decision Support
Steady guidance through market volatility and major life decisions — helping you avoid reactive choices and stay accountable to the plan you set.
Explore Behavioral Coaching →Wealth Management Services
A single, coordinated relationship that brings your investments, planning, tax strategy, and protection together — your entire financial picture managed as one.
Explore Wealth Management Services →Retirement Planning
A clear, step-by-step path to and through retirement — income planning, Social Security timing, withdrawal sequencing, and the key milestones to address along the way.
Explore Retirement Planning →The People Behind Your Plan
Advance Financial Lighthouse is a team practice, so you are never dependent on a single person for the guidance you rely on.
Financial Advice for Women at Every Stage of Life
Advance Financial Lighthouse was built around women in financial transition. For over 30 years our team has provided financial planning for women in Oklahoma City and nationwide — widows rebuilding, divorced women restarting, single women over 40 planning their next chapter. Women’s wealth management is the foundation of everything we do.
Explore Financial Planning for Women
Financial Planning for Families
The years between 40 and 55 are the most financially demanding of your life. Mortgages, college tuition, aging parents, business growth, and retirement still ahead. Our team provides family financial planning for Oklahoma City families balancing today’s life with tomorrow’s legacy. We help you build wealth, manage taxes efficiently, plan for college, and protect everything you have worked to create — so you don’t have to choose between living now and securing what’s next.
Explore Financial Planning for FamiliesFederal Employee Retirement Planning in Oklahoma City
Federal employees have access to the full government benefits system — your pension, TSP, and FEHB. The decisions you make at retirement will shape your income for the next thirty years, and most of those decisions are irreversible once you file. Our team works with federal employees from Tinker Air Force Base, the FAA, Veterans Affairs, the Internal Revenue Service, the National Weather Center, the U.S. Postal Service, and other federal agencies in Oklahoma City and across the country with federal employee retirement planning before every choice is locked in.
Explore Federal Employee Planning
Black Financial Planning Built Around Your Story
Advance Financial Lighthouse is a proud member of the Association of African American Financial Advisors (AAAA). Our team provides fiduciary financial planning for African American families in Oklahoma City and nationwide — Black financial advice grounded in your goals, your community, and the generational legacy you are building.
Explore Black Financial PlanningPlanning for High-Income Professionals
You’ve worked hard to build your income and your career success. Now it’s time to make sure your financial life is working just as hard for you. We help attorneys, corporate executives, federal employees (GS-13 and above), business owners, and other high-earning professionals. We coordinate every aspect of your financial life — from cash flow and tax strategy to investment management, retirement planning, and long-term wealth building — so you can move forward with confidence and purpose.
Explore High Income ProfessionalsFinancial Planning for Business & Entrepreneurs
For business owners, your company and your personal wealth are deeply connected — what happens in one shapes the other. We help you coordinate both as one financial ecosystem: cash flow and compensation strategy, tax planning, retirement plans for owners, risk and asset protection, and the eventual sale or succession of the business you have built. Whether you are growing, stabilizing, or planning your exit, we help you make decisions today that protect your family, your team, and the legacy you are working toward.
Explore Planning for Business & EntrepreneursWhat To Do When Money Arrives All At Once
Inheriting money is not the same as earning it. Whether the event is the passing of a parent, a legal settlement, the sale of a business, or a life event such as an insurance payout, sudden wealth arrives with grief, complexity, and decisions that cannot be undone.
We help clients in Oklahoma City navigate the first 90 days — tax implications, estate coordination, and the emotional weight of managing what you did not ask to receive. Our goal is to help you make decisions you will still feel good about in ten years.
What Our Clients Say
Tony and I are so appreciative of the peace of mind you have provided for our family and our future. Thank you.
I have enjoyed working with Kathy. She’s very knowledgeable and I trust her.
My knowledge of financial health was limited, but today, because of the care and guidance I’ve received from Kathy and her team, both my knowledge and my financial health have improved substantially. Truly, I thank you all for your support!
Over the past ten years, Kathy has helped me manage needs as they arise, plan for the future, and purchase my first home. Working in the public and nonprofit sectors, that guidance and support has been invaluable to make the most of my resources.
Knowing that someone else is keeping an eye on our long-term finances has allowed us to feel more comfortable spending and enjoying our money. We have always been savers, but seeing that we have money set aside for vacations or other splurges has helped us enjoy it without stressing.
I value Kathy Williams as a trusted financial advisor who continues to provide thoughtful guidance toward our financial goals. What I would tell anyone facing financial uncertainty is to share your story — I did. To the entire staff of Advance Financial Lighthouse, thank you for your kindness.
Kathy Williams and her Advance Financial Lighthouse team have been exceptional. Their financial expertise helped us make informed decisions confidently, even during economic uncertainty. With a tailored plan, we feel secure now and in the future.
I had a great visit and was very pleased with the progress my portfolio is making. Kathy has a talent for thinking through and understanding money matters. She has provided me with excellent advice and service. The staff — Katy and Brenda — are knowledgeable and friendly.
Working with Kathy and her team has been a game changer for my financial growth. Her leadership and guidance have made investing in my family’s future fun and exciting. I strongly recommend Advance Financial Lighthouse to anyone looking to build financial security for the future.
Before working with Advance Financial Lighthouse, I had lived quite comfortably, but I had not lived cautiously enough to prepare for the what-ifs life can suddenly deal. I was dealt a life-altering one that ultimately led me to AFL — and I’m grateful it did. In the 11 years since, I’ve become increasingly disciplined financially, and the team works diligently to keep me positioned to live comfortably for the rest of my expected life.
*Non-compensated client testimonials. Individual experiences may not be representative of all clients, and are no guarantee of future performance or success. Last names abbreviated for privacy.
Steady. Purposeful.
Every great plan starts with a conversation. Schedule a complimentary 20-minute introduction call. No pressure, no pitch, just a chance to talk about what matters to you.