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Independent Retirement Income Advisor

Retirement Income
Done Right.

Most retirement mistakes aren't about products — they're about timing, sequencing, and decisions made without full awareness of the tradeoffs. We fix that.

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Years of Experience
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Independent — No Quotas
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Cost for Initial Review
Who We Serve

If You're 5–15 Years From Retirement,
This Conversation Matters Now.

01

The Pre-Retiree with a 401k and No Plan

You've saved diligently but haven't mapped how the money actually becomes reliable monthly income. Sequence-of-returns risk is real — and preventable.

02

The Rollover Candidate Leaving a Job

You have a 401k or 403b sitting with a former employer. It's not growing anymore. There's a right and wrong way to roll it — and the difference matters.

03

The Income-Conscious Retiree

You're already retired but taxes are eating more than expected. There are legal, proven strategies to generate more income while keeping less of it exposed to rising tax rates.

What We Do

Strategy-Led. Not Product-Led.

Every service starts with understanding your situation — income sources, timing, tax exposure, risk tolerance. The strategy comes first. The tools follow.

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Retirement Income Analysis

A comprehensive look at every income source — Social Security, pensions, savings, annuities — mapped against your spending needs and tax situation. This is where clarity begins.

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Tax-Free Retirement Strategies

IUL-based solutions that let your money grow tax-deferred and distribute tax-free. Designed for people who believe taxes are going up and want a hedge built into their plan.

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401k & 403b Rollovers

Get your old employer plan off autopilot and into a structure that's actually working toward your retirement. Done correctly, a rollover is one of the highest-impact moves available to you.

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IRA Roadmap

Whether you're building a traditional IRA, converting to Roth, or navigating RMDs — we map the sequence of decisions so you're making moves at the right time for maximum benefit.

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Tod Long, Independent Advisor
About Tod Long

Discipline Built on the Track. Applied to Retirement.

Tod Long didn't set out to become a financial advisor. But after a career as a University of Oklahoma track athlete and professional Nike sprinter, he understood one thing deeply: preparation and sequencing determine outcomes. Not luck.

That mindset carried into two decades of helping families navigate the most consequential financial decisions of their lives — retirement income planning, tax-efficient drawdown, and protection strategies that hold up when markets don't.

🏆 University of Oklahoma Track — Professional Nike Sprinter
📋 Licensed Independent Insurance Advisor — License #7569078
🎙️ Host, The Income Standard Podcast
Full Bio
New Episodes Weekly
The Income Standard Podcast

Retirement Income Without the Noise.

Tod breaks down Social Security timing, tax-efficient withdrawal strategies, annuity tradeoffs, and the decisions that separate a confident retirement from an anxious one. No products pitched. No jargon.

Visit The Income Standard
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Radio

Financial Fast Track Radio

For years, Tod Long hosted Financial Fast Track Radio — a weekly retirement planning program based out of Oklahoma City, OK. Each week, Tod and his co-host broke down Social Security, annuities, taxes, and retirement income in plain language — drawing listeners and clients across Oklahoma, North Texas, Arkansas, and Kansas.

The show is currently on pause as Tod shifts focus to The Income Standard Podcast — a deeper, on-demand format built for the same audience.

Visit the Archive

Topics Covered on the Show

  • Social Security timing and break-even strategies
  • Tax-efficient retirement income planning
  • Annuity tradeoffs — what works and what doesn't
  • 401k rollover decisions and timing
  • IUL strategies for tax-free retirement income
  • RMD planning and Roth conversion windows
Media Coverage

As Seen On

Coverage of Financial Fast Track Radio across national and regional media outlets

Planning Tools

Run the Numbers First.

These calculators are a starting point — not a plan. But they help you understand the landscape before we talk.

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Retirement Income

How long will your savings last — and how much can you safely draw?

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Social Security Timing

Early, full, or delayed — find your break-even point and optimize.

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Tax-Free Growth

See what an IUL strategy could generate over your accumulation window.

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Numbers only tell part of the story. Your situation — income sources, timing, tax bracket, risk tolerance — changes everything. The review is free and there's no pressure.

Talk Through Your Numbers
Client Perspectives

What Clients Say After the Call.

Tod walked me through my options and helped me build an income plan I could actually trust. No pressure — just clear guidance around what mattered most.

Sarah L.
School Nurse

I appreciated the strategy-first approach. We talked through tradeoffs before anything was recommended. That's rare, and it made all the difference.

David P.
IT Consultant

Retirement planning felt overwhelming until I worked with Long Financial. The process was clear, the communication was excellent, and I finally feel prepared.

Jessica T.
Dentist

Ready to Build a Retirement Income Plan You Can Count On?

No products pushed. No pressure. Just a focused conversation about your retirement income picture.

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