Financial Planning for
Black Women in Oklahoma City
Built by a Black Woman. Built for Black Women.
Advance Financial Lighthouse understands your journey — not just professionally, but personally. This practice was built for women like you.
Business Owners · High-Income Professionals · Family Builders · Wealth Creators
Schedule a Confidential Conversation
The Financial Services Industry
Has Not Always Shown Up for You.
It starts with an honest acknowledgment: for far too long, women like you have been among the most underserved groups in the financial services industry. You have built careers, launched businesses, raised families, supported communities, and created opportunities where none existed. This is the gap our wealth management practice was built to close.
The wealth gap is real. The barriers to financial guidance are real. The experience of walking into a financial advisor’s office and feeling unseen, misunderstood, or underestimated is real. And it is unacceptable.
At Advance Financial Lighthouse we see you. We understand your world — not just professionally, but personally. As a Black financial advisor, Kathy Williams, RFC® is a fiduciary who has spent over 30 years in this industry, navigating the same spaces, facing some of the same challenges, and building a practice specifically designed to serve all women and families this industry has historically left behind. Our approach to financial planning starts with understanding — and builds everything else around it.
Black women are among the fastest-growing groups of entrepreneurs in the United States. Between 2019 and 2024, revenue at Black women-owned businesses grew 80.8% and employment grew 44.4% — outpacing the growth of women-owned businesses overall.
Source: Wells Fargo, “The 2025 Impact of Women-Owned Businesses,” 2025
Black women working full-time, year-round earn about 66 cents for every dollar earned by white men — a gap that compounds across a lifetime of work into a profound difference in wealth, retirement security, and financial independence.
Source: Institute for Women’s Policy Research (IWPR), 2024; U.S. Department of Labor, “Bearing the Cost,” 2024
Social Security is calculated on your 35 highest-earning years. Time out of the workforce caring for children or aging parents counts as zeros in that math — quietly lowering the benefit a woman collects for life, and making personal savings matter even more.
Source: U.S. Social Security Administration
By ages 55–59, Black women have saved about 0.9 times their annual salary for retirement — compared with roughly 1.8 times for white workers. For most, that falls well short of a secure retirement, and it is the kind of gap a deliberate plan is meant to close.
Source: Collaborative for Equitable Retirement Savings (CFERS), March 2024
“You belong here — fully, and from your very first conversation.”
A Practice Built
for Women Like You.
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 women like me. I watched Black women be underserved, underestimated, and underrepresented at every level of wealth management.
So I built something different. A practice where every woman is met with the same level of care and sophistication this industry has historically reserved for others.
You have done the work. You have carried the weight. You have shown up for your family, your community, and your career with extraordinary strength. Now let me show up for your financial future.
“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. That is what I believe. That is what I build. And Black women deserve every single part of it.”
Kathy Williams, RFC® · Founder & CEO · Advance Financial Lighthouse · Oklahoma City, OK
You Should Not Have to Work
Twice as Hard for Half as Much.
You face a unique set of financial realities that most advisors are not equipped — or willing — to address directly. The racial wealth gap. The gender pay gap. The compound effect of both. The disproportionate financial responsibility many carry for extended family. The entrepreneurial brilliance that often goes underfunded. The deep desire to build generational wealth in communities where it has historically been denied.
And no two financial lives look the same. Your plan should reflect where you actually are — not where someone assumes you should be.
At Advance Financial Lighthouse we do not pretend these realities do not exist. We acknowledge them, plan around them, and build financial strategies specifically designed to help you overcome them.
Wealth Is About More Than Money.
It Is About Choices.
You have long led with resilience, entrepreneurship, and a deep commitment to family and community. Yet many also carry a financial weight that rarely gets named out loud — income disparities, caregiving responsibilities, student loan debt, and the work of building wealth without the head start of significant generational assets. Financial planning is the framework that turns your hard work and your income into lasting security.
By bringing your cash flow, savings, investing, retirement planning, and risk management into one coordinated strategy, you build something steadier than any single account — a plan that creates options. Whether you are advancing in your career, growing a business, raising a family, caring for aging parents, preparing for retirement, or moving through a major life transition, the goal stays the same: align your money with your goals and your values.
Financial independence is not defined by a number. It is the ability to make decisions from a position of strength rather than financial pressure — to understand your options and feel confident about what comes next. Single, married, divorced, widowed, or the primary breadwinner in your home, a thoughtful plan helps you move forward with perspective and peace of mind — so you can focus not only on building wealth, but on protecting it and using it to support the life you envision.
Every Woman Who Has Ever
Deserved Better Than She Received.
This page — and this practice — exists for you. Wherever you are in your financial journey. Whatever you have built. Whatever you are still building.
Business Owners
You built something from nothing. Now let us help you build personal wealth alongside it — so your business gives back everything you poured into it.
Professionals
Healthcare, Attorneys, CPA. You earned your credentials through sacrifice. Your financial plan should reflect that level of achievement.
Family Financial Managers
Working or managing your family at home — you manage your family’s financial life every day. We are here to make sure someone is managing yours.
High Income Achievers & Executives
You have worked exceptionally hard to reach the top of your field. Your financial strategy should be as ambitious and disciplined as you are.
First-Generation Wealth Builders
You are creating something your family has never had before. That takes extraordinary courage — and a financial partner who truly understands what is at stake.
Building a Legacy
Your goal goes beyond retirement. It is about generational wealth — building something that strengthens your family long after you.
Single, Married, Divorced, or Widowed —
Your Plan Should Fit Your Life.
Marital status changes everything about how a financial plan should be built. Too often, women are handed a one-size-fits-all plan that quietly assumes a life situation that may not be theirs. We don’t do that here.
Single Women
Whether by choice or by season, building wealth on a single income deserves a strategy designed around your full financial reality — emergency reserves that actually protect you, retirement savings that don’t depend on a second income, disability and life coverage that fit your responsibilities, and a long-term plan for how you want to live and what you want to leave.
Married Women
Marriage should multiply your financial strength, not erase your individual voice in it. We help couples coordinate accounts, taxes, retirement, and estate documents while making sure each partner — especially you — understands the full picture and has a clear seat at the table in every decision.
Financial Planning for Black FamiliesDivorced Women
Divorce is not just an emotional reset — it is a complete financial reset. We help you understand what you walked away with, restructure retirement and investment accounts, update beneficiaries and estate documents, and rebuild a plan that is fully and unapologetically yours. You are not starting over. You are starting from experience. Learn more.
Widowed Women
Loss does not pause the financial decisions waiting for you. We walk alongside you through life insurance claims, Social Security survivor benefits, account transfers, beneficiary updates, and the long-term planning your family’s future still depends on — with patience, steadiness, and respect for what you and your loved one built together. Our dedicated financial advice for widows is one of the deepest specialties in our practice.
Building Generational Wealth
for the People You Love.
For many women, financial success is inseparable from family and legacy. Generational wealth planning is the work of preserving what you build — and passing it on in a way that supports your children, your grandchildren, and the generations who follow.
It rarely happens in a single dramatic moment. More often it is the result of consistent, intentional decisions made over years. Small steps, repeated with discipline, can reshape the financial trajectory of an entire family.
- Investing steadily, year after year
- Building equity through homeownership and real estate
- Funding education goals for the next generation
- Putting estate planning documents in place to protect your wishes
- Creating a plan for transferring assets efficiently to the people you choose
Building wealth takes time. But the progress you make today is what allows your family to begin tomorrow from a stronger place than you did. Learn more.
You Will Never Be Unseen Here.
Ever.
At Advance Financial Lighthouse every woman 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. Your extraordinary strength.
As a fiduciary financial advisor leading a woman-led practice, we build your financial plan around all of it — not just your portfolio.
Comprehensive Financial Planning
Across Every Aspect of Your Life
Every service is part of one coordinated, values-based strategy built around your unique journey, your community, and the legacy you are determined to build.
Wealth Management
Women’s wealth management that coordinates your complete financial life — investments, planning, protection, and growth all working together toward your goals.
Business Financial Planning
For women business owners — coordinating your business and personal finances so both sides of your financial life thrive.
Retirement Planning
A retirement strategy that accounts for your full picture — career history, family responsibility, and the life you have earned the right to live.
Generational Wealth Building
Building wealth that outlasts you — changing the financial trajectory of your family for generations to come.
Protection Planning
Life insurance, disability coverage, and asset protection — because you have worked too hard to leave what you have built unprotected.
Comprehensive Financial Planning
One coordinated plan that brings every part of your financial life together — cash flow, investments, retirement, protection, and legacy — all working toward the same goals.
Questions About
Working With Us
What makes your approach to financial planning different?
It begins from a different starting point. A general plan rarely accounts for the combined weight of the racial wealth gap and the gender pay gap, the family-support responsibilities you may carry, the path of a first-generation wealth builder, or how a plan should shift across single, married, divorced, and widowed seasons. At Advance Financial Lighthouse, those realities shape the plan from the first conversation — they are the foundation, not an afterthought.
Can you help if my situation has changed through divorce or the loss of a spouse?
Yes. Marital transitions — divorce, widowhood, separation — are among the most financially complex moments a woman will navigate. We provide dedicated planning for divorce (settlement evaluation, retirement restructuring, estate plan reset) and for widowhood (insurance claims, survivor benefits, account transfers, long-term planning). We meet you where you are and build from there.
Do you have account minimums?
No. Advance Financial Lighthouse has no account minimums. Quality fiduciary financial planning should not be reserved for women who already have substantial wealth. Whether you are just beginning to build or managing significant assets, you belong here.
Can you help me support extended family without sacrificing my own goals?
Yes. Many women carry significant financial responsibility for parents, siblings, and extended family alongside their own retirement and wealth-building goals. We help you structure how you support your family without compromising your own financial future — including setting boundaries, building reserves, and coordinating your giving with your long-term plan.
Do you work with executives and business owners?
Yes. We serve executives navigating complex compensation packages, equity, and peak-earning-year tax strategy, as well as business owners who need their company and their personal balance sheet working together. Both require a coordinated strategy that goes beyond basic investment management — and that is exactly what we provide.
Do you work with clients outside of Oklahoma City?
Yes. While Advance Financial Lighthouse is based in Oklahoma City, we serve clients nationwide. If you are looking for a woman-led fiduciary practice built around your journey, location is not a barrier to working with us. Clients across the OKC metro and across the country meet with us virtually with the same depth of care.
Now Let Us Show You
What That Feels Like.
Schedule a complimentary consultation with Kathy Williams, RFC® — a fiduciary financial advisor who has spent over 30 years building a woman-led practice for women like you. No pressure. No judgment. Just an honest, caring conversation about your financial future and the legacy you are determined to build.
Advance Financial Lighthouse — Guiding You to Financial Strength and Independence
We also serve Families, Small Business Owners, Federal Employees & Retired Veterans, and the Suddenly Wealthy.