Local Experience. Long-Term Perspective.

Founded in 1994 by Randy C. Cowell, M.S., LUTCF®, CFP®, CRPC®, ACT Wealth Strategies has served the Tulsa community for over 30 years. Our advisory team brings more than 50 years of combined experience in retirement income planning, tax strategy coordination, and wealth management.

We believe financial planning works best when clients understand the reasoning behind every recommendation. Our process is education-focused and designed to help you make informed decisions.

A Values-Based Approach to Financial Stewardship
Our firm operates with a faith-informed philosophy rooted in stewardship, integrity, and long-term thinking. For many of our clients, aligning financial decisions with personal values is just as important as portfolio performance.

We work to help families structure their financial lives in a way that reflects both their financial goals and their personal priorities.

As a financial advisor serving Tulsa and the surrounding communities, we offer coordinated planning in the following areas:

Customized Cash Flow Management

The #1 indicator of your financial health is your monthly NET cash flow. A negative number is indicative that you are consuming more than you are saving/investing. A positive number indicates that you are living below your means, which allows you to save more, invest more, and experience a greater degree of financial freedom.

We help our clients structure their cash flow, using specific tools and methodologies, so that they can save money-Unconsciously.

*Powered by Currence

Retirement Income Distribution & Planning
Retirement planning involves more than accumulating assets. It requires thoughtful distribution strategies, tax planning considerations, and income sustainability modeling.

We help clients evaluate questions such as:

• When can I retire?
• How can I create reliable retirement income?
• How might taxes impact my long-term income strategy?
• What adjustments should I consider as laws and markets change?

*Powered by IncomeLab

Tax-Efficient Planning Strategies
Tax planning plays a critical role in long-term retirement success. We coordinate strategies designed to help reduce lifetime tax exposure while maintaining flexibility.

This may include:

• Roth conversion analysis
• Withdrawal sequencing strategies
• Coordination with CPAs
• Evaluation of tax diversification approaches

We focus on education and scenario modeling so you can understand the long-term implications of different approaches.

Estate Planning Coordination
While we do not draft legal documents, we collaborate with your attorneys and CPAs to help ensure your estate planning strategy is aligned with your overall financial plan.

Effective estate planning can help families maintain clarity, reduce potential tax impact, and support smooth wealth transfer.

Investment Strategy & Portfolio Management
Your investment strategy should reflect your goals, timeline, and tolerance for market fluctuations.

We design portfolios intended to support long-term objectives while adjusting for life transitions, economic shifts, and tax considerations.

We believe clarity leads to confidence. Our process includes:

1. Discovery & Understanding
We take time to understand your financial picture, priorities, and long-term goals.

2. Analysis & Strategy Development
Using advanced planning tools, we model multiple scenarios and evaluate the potential long-term effects of different strategies.

3. Implementation
Once a plan is agreed upon, we coordinate execution alongside your existing advisors, including CPAs, attorneys, and insurance professionals.

4. Ongoing Review & Adjustment
Markets change. Tax laws evolve. Life circumstances shift. We meet regularly to review your strategy and make adjustments when appropriate.

Education is central to our philosophy.

We host informational workshops in the Tulsa area covering topics such as:

• Retirement income planning
• Social Security claiming considerations
• Required Minimum Distribution (RMD) planning
• Estate planning fundamentals
• Tax-aware retirement strategies

These sessions are designed to help individuals better understand their financial options and make informed decisions.

Pre-Retirees & Retirees (Ages 50–70)
Individuals approaching or entering retirement who want coordinated income and tax planning.

Business Owners
Entrepreneurs seeking alignment between personal wealth planning and business succession considerations.

Families Focused on Tax Efficiency
Those concerned about future tax rates and interested in proactive planning strategies.

Values-Oriented Investors
Individuals who prefer their financial plan reflect their personal beliefs and long-term priorities.

Advice offers isolated recommendations.
Strategy evaluates multiple variables, trade-offs, and long-term implications.

At ACT Wealth Strategies, we focus on coordinated strategy. We model scenarios, compare alternatives, and help clients understand the reasoning behind each decision.

What should I look for in a financial advisor in Tulsa?
Consider credentials, experience, planning philosophy, and whether the advisor provides comprehensive financial planning rather than isolated product recommendations.

When should I begin retirement planning?
Many individuals begin focused retirement planning 5–15 years before retirement, though earlier planning may provide additional flexibility.

How does tax planning fit into retirement?
Taxes can significantly impact retirement income. Coordinating tax strategies alongside investment and income planning may improve long-term outcomes.

If you are searching for a financial advisor in Tulsa, OK who prioritizes education, long-term coordination, and tax-aware retirement planning, we invite you to schedule a complimentary consultation.

Simply fill out the brief form below and grab our FREE GUIDE.

ACT Wealth Strategies, Inc.
7134 S Yale Ave, Suite 430
Tulsa, OK 74136
Office: (539) 476-2179
Fax: (539) 233-3622