Financial Planning
Achieve your goals and secure your future with Long Financial Services financial planning. The sooner you start planning your finances, the better. With over a decade of experience, Long Financial Services can help you with life-insurance based solutions that help you make the most of your wealth or preserve your estate.
Each financial plan is individually tailored to your goals, resulting in an individualized, systematic roadmap that helps you accomplish what you want to.
Tax-Free Retirement Planning
When you make more money, you often pay more in taxes. And when you’re retired, paying those taxes can negatively impact your standard of living and your peace of mind.
Since taxes tend to rise over time, it makes sense to plan around them. That way, your Golden Years are safe and financially secure.
Long Financial Services offers simple, easy plans for making the most of your tax-free retirement. If you’re interested in keeping more of the income you’ve earned, we can help.
401k - 403b Roll Overs
Do you have money stagnating in your 401K or 403b from previous employers? If those accounts are no longer growing because contributions have stopped, it’s time to put that money back to work. After all, you’ve earned it — so it should be growing towards your retirement.
Long Financial Services can help you determine what the best roll-over plan is for you, helping you roll your 401K or 403b into an approved IRA.
It’s time to make your money work for you.
Tod Long, Independent Advisor
Tod Long didn’t set out to become an insurance agent. In fact, he was skeptical when his father first suggested it. But after working with real clients and seeing how the right planning decisions could materially change their futures, his perspective shifted.
What began as a career became a craft—helping people make better financial decisions at critical moments in their lives. With a background in competitive athletics, Tod brought a discipline-first mindset to retirement planning, focused on preparation, sequencing, and long-term outcomes rather than quick wins.
Today, Tod specializes in helping individuals and families approach retirement with clarity, confidence, and control—so decisions are made intentionally, not reactively.
Tod Long, Host of Financial Fast Track Radio
Tod Long brings over two decades of experience helping families plan for retirement with clarity and confidence. A former University of Oklahoma track star and professional Nike sprinter, Tod carries the discipline, resilience, and focus of the track into every conversation about wealth and retirement planning.
As host of Financial Fast Track Radio, Tod’s mission is simple: help listeners get “on track” for life’s financial journey. Each week, he and his co-host break down complex retirement topics—Social Security, taxes, annuities, investments—into clear, actionable strategies that help retirees and pre-retirees protect their income, minimize risk, and build lasting financial security.
Strategy-led retirement income planning
Retirement Income Analysis
Retirement income decisions are not about products—they are about timing, coordination, and avoiding costly mistakes once paychecks stop.
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Long Financial Services
Retirement planning isn’t about choosing products—it’s about making the right decisions, in the right order, with full awareness of the tradeoffs involved.
At Long Financial Services, we bring more than two decades of experience helping individuals and families navigate complex retirement transitions. Our focus is not on transactions, but on clarity, sequencing, and long-term reliability—especially at the moments when mistakes are hardest to unwind.
We take a deliberately consultative approach, working one-on-one with clients to understand their goals, risks, and constraints before recommending any course of action. Every strategy is tailored, pressure-tested, and designed to reduce uncertainty—not introduce it.
Unlike firms that lead with products or generic plans, we emphasize disciplined planning, thoughtful decision-making, and solutions that fit your situation—not the other way around.
Retirement Guidance
At Long Financial Services, we provide clear, experienced guidance focused on retirement income, risk management, and long-term financial security. Our approach helps you understand your options, weigh tradeoffs, and make confident decisions that align with how you want to live in retirement.
Retirement Planning Tips
1.Diversify Your Income Streams: An Indexed Annuity can provide a stable income during retirement while protecting your principal from market downturns. It’s a great way to ensure your savings last as long as you do.
2.Take Advantage of Growth Potential: Indexed Annuities offer the opportunity to earn interest linked to market performance without the risk of losing money when the market drops.
3.Protect Against Longevity Risk: Consider an annuity as a way to guarantee income for life, so you never run out of funds in your golden years.
Tax-Free Income Tips
1.Build Tax-Free Wealth: Use an IUL policy to grow your savings while accessing funds tax-free during retirement or major life events.
2.Leverage Living Benefits: In addition to building wealth, an IUL offers living benefits that can cover expenses for chronic or critical illness.
3.Flexibility is Key: IUL policies allow you to adjust your contributions and death benefit, providing the flexibility to meet changing needs over time.
Whole Life
Insurance Tips
1.Plan for End-of-Life Costs: Whole life insurance is an excellent option for final expense coverage, helping your family cover funeral costs, medical bills, and outstanding debts.
2.Guaranteed Coverage: Unlike term insurance, whole life policies never expire as long as premiums are paid. This ensures lifelong protection for you and your loved ones.
3.Leave a Legacy: Use a whole life policy to leave a small inheritance or ensure your family isn’t burdened with unexpected financial stress during a difficult time.
Term Insurance Tips
1.Protect Your Home: Term life insurance is an affordable way to ensure your family can pay off the mortgage if something happens to you.
2.Customize Your Coverage: Match the term length of your insurance to the remaining years on your mortgage to provide peace of mind and financial stability.
3.Affordable Peace of Mind: Term insurance is cost-effective, making it an ideal choice for families who need maximum coverage on a budget.