This Is What It Feels Like
to Be Truly Seen Here.
From your very first conversation, you will notice something different about financial planning for Black families at Advance Financial Lighthouse.
You are heard the first time.
No having to repeat yourself. No having to explain why your situation is different. No assumptions about your goals, your family, or your finances.
Both spouses are partners.
Every conversation includes both of you. Every strategic decision is made together. Your marriage is honored as the partnership it is.
Your extended family is part of the plan.
Aging parents. Adult children. Siblings you help. The financial responsibility you carry for the people you love is not a footnote — it is part of your plan from day one.
Your business and personal wealth are coordinated.
For Black business owners, both sides of your financial life are built together so what you create gives back everything you poured into it.
Your wealth is structured to multiply.
Investments, tax strategy, protection, and growth all working as one system — built for the long view, not the next quarter.
Your legacy reaches further than you.
Estate, tax, and legacy strategy designed to carry your wealth to children, grandchildren, and great-grandchildren — intentionally, not by accident.
You Are Creating Something
Your Family Has Never Had.
For many of the Black families we serve, you are the first to earn at this level. The first to have a real chance at generational wealth. The first to be the person your family looks to for financial guidance, support, and stability.
That is an extraordinary accomplishment. And it carries an extraordinary weight.
Because no one in your family taught you how to manage wealth at this level. No one passed down a playbook for high-income households. No one prepared you for the questions that come with a six-figure salary, a growing business, a portfolio that is starting to compound, or family members who quietly — or not so quietly — expect you to carry them.
At Advance Financial Lighthouse, we work with first-generation wealth builders and high-income Black professional families every day. We do not assume you already know the answers. We help you figure out what you do not even know to ask.
You earned the income. Now let us help you build the wealth that lasts beyond it.
Generational Wealth Is Not
A Single Generation’s Work.
Real Black wealth management is built across three generations. We help your family plan for all of them.
You.
The first in your family to build wealth at this level. We help you protect what you are earning, multiply what you are keeping, and structure what you are creating so it does not stop with you.
Your Children.
The first generation born into the wealth your family built. We help you raise them to steward it, prepare them to receive it, and equip them to grow it — not just spend it.
The Grandchildren You
May Never Meet.
The ones who will inherit the legacy you are starting today. We help you build a wealth transfer plan that reaches them with intention, not by accident.
I Built This Practice
for Families Like Yours.
I grew up understanding what it means to need — and what it means to be overlooked. I spent decades in a financial services industry that was not always designed for families like mine. I watched Black families be underserved, underestimated, and underrepresented at every level of wealth management. I knew this industry had to learn to do better.
So I built something different. A practice where every Black family who walks through our door is seen, respected, and served with the same level of care and sophistication that has historically been reserved for others. A practice where both spouses are partners, where children are part of the long view, and where generational wealth is treated as the serious work it is.
You have done the work. You have carried the weight. You have shown up for your family, your community, and your future with extraordinary strength. Now let us show up for you.
“When your money is aligned with your purpose, it does not just grow — it transforms lives, strengthens families, and builds legacies that echo for generations. Black families deserve every single part of it.”
Kathy Williams, RFC® · Founder & CEO · Advance Financial Lighthouse
Black Wealth Is Being Built
Faster Than Ever Before.
The families building it are doing something historic. The opportunity has never been larger — and the importance of building it intentionally has never been greater.
Since 2019, Black families have grown their wealth at a faster percentage rate than white families — even as the absolute gap remains wide. The momentum is real, and intentional planning compounds it.
Federal Reserve Survey of Consumer Finances
Black household buying power in the U.S. exceeds $1.8 trillion annually — larger than the entire economies of most nations. The income is here. The wealth is what we build with it.
Selig Center for Economic Growth
There are more than 3 million Black-owned businesses in America today — the fastest-growing segment of new business formation in the country. Every one of them is a wealth-building engine waiting to be coordinated.
U.S. Census Bureau, Annual Business Survey
The majority of Black households building wealth today are the first generation in their family to do so. That makes the planning more important — and the impact of doing it right more historic.
Federal Reserve research on intergenerational wealth
How Can Advance Financial Lighthouse
Help You Achieve Your Goals?
Seven areas of values-based financial planning working as one system — built for Black families, Black couples, and the generational wealth you are determined to build.
Generational Wealth Building
Building wealth is only part of the journey. Preserving it, protecting it, and passing it on intentionally requires thoughtful planning. We help families create strategies designed to grow wealth, prepare heirs, and align financial decisions with the legacy they want to leave behind.
Comprehensive Financial Planning
Financial planning helps bring all the pieces of your financial life together. We coordinate your retirement, investments, taxes, insurance, and estate planning into a strategy aligned with your goals and values.
Business Owner Planning
For Black business owners and entrepreneurs — building personal wealth alongside your business so both sides of your financial life thrive. Learn more.
Retirement Planning Steps to Consider
A retirement strategy that accounts for both spouses, your full career history, the family responsibilities you carry, and the life you have earned the right to live.
Estate & Legacy Planning
Ensuring your wealth transfers to the right people in the right way — honoring your values, securing your family’s future, and building a legacy that reflects who you were and what you believed.
Family Protection & Insurance
Life insurance, disability coverage, long-term care planning, and asset protection — because you have worked too hard to leave what your family has built unprotected.
Tax Planning Coordinated With Strategy
For high-income Black families, tax strategy is often the single biggest opportunity. We coordinate Roth conversions, tax-efficient investment placement, and charitable giving to keep more of what you earn working for your family.
You Will Never Be Unseen Here.
Ever.
At Advance Financial Lighthouse, every Black family who comes through our doors is seen, heard, respected, and served with the full weight of our expertise, our care, and our commitment.
We do not just understand your financial journey. We understand your life, your community, your history, and the extraordinary strength that brought you to this moment. As a fiduciary financial advisor, we build your financial plan around all of it — not just your portfolio.
“Wealth is possible for everyone. Not just the wealthy.”
Kathy Williams, RFC® · Founder & CEO · Advance Financial Lighthouse
Other Ways We Serve Families in Oklahoma City
Built specifically for the Black woman’s financial journey
For moms managing the family’s financial life from home
For families coordinating wealth across multiple goals and generations
Guidance for inheritances, settlements, business sales, and life-changing windfalls
Strategic wealth planning for high-income professionals and business owners
Questions About
Working With Us
I am the first in my family to build wealth at this level. Can you help me figure out what I do not even know to ask?
Yes. This is one of the most important parts of our work. First-generation wealth builders carry questions no one in their family was positioned to answer. We help you map what your financial life actually looks like at this income level, identify the gaps you may not even see yet, and build a plan that addresses both what you know to ask and what you do not.
Why does it matter that Advance Financial Lighthouse is a Black-owned firm?
A Black-owned fiduciary practice brings both technical expertise and lived cultural understanding to your financial planning. Kathy Williams has spent over 30 years serving Black families and understands the specific financial realities — the wealth opportunity, extended family responsibilities, first-generation wealth building — that most advisors are not equipped to address. That combination of depth and understanding changes the quality of the advice you receive.
How is financial planning for Black families different from general financial planning?
Financial planning for Black families addresses realities that general planning often overlooks: building generational wealth in communities where it has historically been denied, managing the financial responsibility many Black families carry for extended family, and coordinating estate and legacy planning that reflects your family’s values and trajectory. At Advance Financial Lighthouse, these are not add-ons — they are the foundation of every plan we build.
Do you have account minimums?
No. Advance Financial Lighthouse has no account minimums. We believe that access to quality, fiduciary financial planning should not be gated by how much wealth you already have. Whether you are just beginning to build or stewarding significant assets, you are welcome here.
Can you work with our extended family — parents, adult children, siblings?
Yes. Many Black families we serve carry financial responsibility for multiple generations — aging parents, adult children, siblings, and extended family members. We can coordinate planning across your household and help you structure how you support extended family without compromising your own retirement or legacy goals.
Do you coordinate with estate attorneys and other advisors?
Yes. Effective generational wealth planning requires coordination between your financial advisor, estate attorney, CPA, and other advisors. We work alongside your existing professional team — or help you identify the right partners — so your estate plan, tax strategy, and wealth plan work together as one coordinated strategy.
Do you serve Black families outside of Oklahoma City?
Yes. While Advance Financial Lighthouse is based in Oklahoma City, we serve Black families nationwide. If you are looking for a Black-owned fiduciary practice that understands your community and your goals, location is not a barrier to working with us.
The Wealth You Build Today
Will Reach Generations You May Never Meet.
Begin the conversation that your great-grandchildren will benefit from — even though they will never know it happened. No pressure. No judgment. Just honest, intentional planning for the legacy you are determined to build.