YOUR RETIREMENT DESERVES MORE THAN HOPE

STOP SECOND GUESSING. START PLANNING.

Whether you’re decades away from retirement or already enjoying your golden years, you deserve a financial strategy that’s built specifically for your goals, your timeline, and your values.

Will you have enough? How do you transition from earning a living to living off your savings? Do you know the best time to claim Social Security for your situation? How much of your portfolio is protected from market downturns?

You need someone who understands that retirement isn’t just about money. It’s about maintaining your dignity, independence, and the lifestyle you’ve earned.

Stop wondering if you’re on the right track. Get the clarity and confidence that comes from having a well-defined plan crafted with genuine care for your success and actionable steps to close any gaps between where you are and where you want to be.

Built on Experience. Focused on You.

Meet Your Retirement Planning Partner

Years of Experience

Experience You Can Trust.

A Relationship You Can Count On.

Why Experience Matters

Retirement today is more complex than ever, and making the right decisions now can shape your future for many decades to come. That’s why Mel Stewart brings over 35 years of experience and a client-first approach to helping individuals and families navigate this important transition with clarity and confidence.

As an Investment Advisor Representative with USA Financial Securities, Mel serves advisory clients in a fiduciary capacity — meaning he’s held to the highest standard of care in the financial industry. Your interests always come first. All fees and any potential conflicts of interest are fully disclosed, so there are no surprises, only transparency, integrity, and trust.

Mel treats every client like family, taking a deeply personal approach to your financial future. No cookie-cutter solutions or sales pressure, just thoughtful guidance tailored to your unique retirement goals, whether that’s maximizing income, protecting your assets, or charitable giving. And he explains complex strategies in plain language to ensure that you understand your options, helping you feel empowered to make better decisions.

Throughout three generations of guiding clients through multiple market cycles, many have trusted Mel with their most critical financial decisions and life’s transitions.

Don’t be just another account number. Work directly with someone who knows your situation, remembers your goals, and is genuinely invested in your success.

Tailored Wealth Strategies for Life’s Big Decisions

Practical Advice

Your financial future is unique to you, but you don’t have to navigate it alone. Competent financial advice is about more than just crunching numbers. It’s about creating a clear, confident path to your goals, taking into account your unique circumstances, values, and aspirations. We offer reliable advice and a diverse range of services to help you stay on track, even when markets are volatile or life presents unexpected challenges. Whether you’re planning for retirement, education, or managing investments, informed decisions will help you navigate each step with a purpose. Schedule your complimentary strategy appointment.

401(k) Rollover

Just changed jobs or retired? Now what? When you leave a job, it can be tempting to leave your old 401(k) account where it is. But doing nothing might not be the best choice for your financial future. Moving your old plan gives you maximum control over your money, including advanced ways to optimize your taxes. The good news is you don’t have to plan any of this alone. Discover how much you could save and what options work best for your situation. Get clear guidance grounded in integrity and fiduciary responsibility, empowering you to make informed decisions and navigate the complexities of retirement and IRA/401(k) rollover decisions with confidence.

Retirement Planning

When you imagine your retirement, what do you see? Worried about outliving your money? The simple truth is that there’s more to retirement planning than simply calculating your expenses to maintain – or hopefully improve – your lifestyle through this next stage of life. Different goals require their own unique plan. We listen to your concerns and dreams while diving into your current financial situation to help you build a strategy based on educated, realistic options that align with you, your goals and values. Stop second-guessing your financial decisions. Let's begin creating your clear path forward with a personalized gameplan

Annuity Choices

Your life savings are too important to leave to chance. Annuities may offer the confidence that comes with guaranteed retirement income, tax-deferred growth, and protection against market volatility. Annuities offer unique benefits that can complement a well-diversified portfolio. With many flexible options designed to meet your personal goals, learn about fixed, variable, and indexed annuities to secure your financial future.* Explore whether an annuity is right for you, and create a plan that supports your goals.

Portfolio Strategies

Too often, life savings are left to chance. Chasing hot stocks or new gimmicks and hoping for the best isn’t a strategy. It’s gambling with your future. We believe you deserve better. Investment management should entail thoughtful planning, smart portfolio design, and a long-term focus on what truly matters. Recommendations are based solely on what's best for your situation and goals. Objective guidance. Transparent advice. You’ll always know where you stand—and where you’re headed with clarity and confidence.

Insurance Protection

Insurance is prudent protection against the unknown—a smart, strategic shield for your family’s financial well-being. It’s more than a policy; it’s a safeguard that helps you cover unexpected medical expenses, preserve your wealth, and ensure your loved ones are cared for in life’s most uncertain moments. Whether through life insurance, long-term care, or disability coverage, the right plan offers stability and a buffer against life's risks. Ready to explore different insurance protection strategies? Let’s visit.

Get Clear Answers to your retirement questions

Frequently Asked Questions

What You Really Want to Know

How do I know if I really need financial planning?

Whether you’re a business owner planning your exit strategy, managing a 401(k) rollover, or wandering if your retirement savings will last, you deserve clear answers and a personalized plan. If you want to feel more confident about your financial future, you can probably benefit from professional guidance. Discover how personalized financial guidance can transform your relationship with money and give you the confidence to pursue what matters most.

I'm approaching retirement very soon How can you help me?.

There are so many things that can happen between now and retirement. Our personalized retirement planning services ensure you have a few options in place to help you navigate whatever life throws your way. You’ve worked hard for decades, but retirement feels scary. Will your savings last? Can you maintain your lifestyle? How do you protect what you’ve built? You want to enjoy this time in your life without worrying too much about finances. We create clear, personalized retirement projectionsthat show you exactly where you stand and what adjustments might be needed. Take it from us: It’s truly never too early to take this vital step toward a peaceful, happy future. Whether it’s decades in the future or creeping up quickly, we can ensure you feel confident about this financial shift. Reach out to us today to begin.

If you had to state your investment philosophy, what would it be?

For more than 30 years, we’ve helped people make smart decisions about their money by sticking to a simple philosophy: think long-term, invest in quality, and manage risk by staying well-diversified. While diversification can’t protect you against a loss, it can help reduce your risk. The market changes every day, but your important financial goals probably don’t. That’s why your strategy shouldn’t either. Every portfolio begins with a deep understanding of our clients’ financial goals, risk tolerance, time horizon, and liquidity needs. We only invest in things we believe offer an attractive risk/reward proposition. Our investment philosophy is simply rooted in a blend of fundamental analysis, strategic asset allocation, and proactive risk management.

How can you help me maximize my retirement income?

The conversation often begins with one question: How much money do I need to retire? It’s a seemingly simple question, but actually one that illustrates the complicated task that retirees face. Just like there is no one tool that can help you build a sound retirement plan, there is also no “magic number” that will let you know you have enough to retire. There are many factors that affect how long your money will last, and therefore how much you need. But in addition to those things, your ideal retirement income amount is determined by your personal goals for retirement. But then it gets a bit more complicated. Today’s longer retirement comes with a number of inherent risks that we have to consider. The only good retirement plan is one that protects and provides for you for the rest of your life, and in order to do that, your plan must mitigate risks. Clients are often seeking guidance on an array of financial risks, including experiencing protection against investment losses and how to guarantee sufficient income to meet rising costs. That includes rising healthcare costs, inflation, and taxes. Plus concerns about an increasingly unpredictable global market. You just need to create a plan based on your personal goals, assets, and expenses that also take into account all of the potential risks of a long retirement. And here’s the good news: we can do exactly that.

Okay, I'm new to all this. What can I expect from you?

Picking the right financial advisor is one of the best investments you can make for your financial future. Why? If saving time and energy sounds good, we’ve got you covered. Here are the top 3 reasons to hire a good fiduciary advisor.(1) We start by getting to know you: your goals, concerns, dreams, and the life you want to live. From the first phone call to our first meeting, we want to get to know you and we want you to get to know us. It’s really that simple. (2) Do you have the time or energy to spend research and creating the most suitable financial plan for yourself? Financial advisors do. It’s our job! (3) Whether markets are up or down, it’s easy for emotions to override logic. A good financial advisor can help keep you on track. Financial advisors do more than investing. We provide investment analysis, savings and distribution strategies, Social Security benefits analysis, and more.

What if I don't have a lot of money to invest right now? Do I still need this?

Not a problem. Everyone starts somewhere. We work with people at all stages of their financial journey. What matters most is your commitment to improving your financial future. If you’re like many of our clients, you probably don’t think in terms of financial goals. You think in terms of life goals — how and where you want to be able to spend your time. Money is just the tool. We will help you assess where you are today and pinpoint where you want to be in the future. Then, we’ll develop a proactive, comprehensive financial plan that connects the two.

You talk a lot about having a strategy. Why is it important?

Far too many investors fall into the trap of reacting emotionally to short-term volatility. Successful investing isn't about guessing what's next. It's about having a disciplined plan and sticking to it. If you're looking for a financial advisor who believes in process over prediction and stewardship over salesmanship, let’s talk.

How is your approach different from other advisors?

Our approach starts with you, our client. Starting on a foundation of mutual respect and understanding, we dedicate the time needed to listen to your goals and educate you on realistic options. There are ways to create a retirement portfolio based on your specific goals that also have the ideal balance of risk and safety to provide you with enough growth to produce ample income despite inflation, longevity, and expenses like healthcare and taxes, but also enough safety to counterbalance market risks and protect your income and legacy. We focus on eliminating chance from your financial life through thoughtful planning and evidence-based investing. We’re not trying to beat the market—we’re trying to help you build lasting wealth and happiness.

I'm a successful business owner. How can you help me?

As a small business owner, you face unique financial planning challenges and opportunities. We are dedicated to helping you navigate these complexities and strategize for long-term success. A 401(k) provides an efficient and easy way for you and your employees to save for retirement. And there are some great tax incentives, too! Key person insurance is a life insurance policy that a company purchases on the life of an owner, a top executive, or another individual deemed vital to the business. This type of insurance provides a financial safety net in the event of the sudden loss of that key individual, which could significantly disrupt the company’s operations. Your business success should translate to personal wealth, but it’s complicated. We help you optimize your compensation and build personal financial security separate from your business.

Life is busy and time scarce. How often do we meet?

As often as you need. Some clients prefer quarterly check-ins, others prefer annual reviews. We adapt to your preferences and needs.The goal is to provide regular check-ins, clear and timely communication, and adjustments to keep you on track toward your goals. You'll never wonder what's happening with your money.

Let’s Plan Your Future - Together

Contact Us

Stop Guessing! Get Clear Answers to Your Retirement Questions.

Confused about your 401(k) options? Worried about outliving your money? Not sure if you can retire when you want to? You deserve straight answers from someone who’s legally required to put your interests first.

What to Expect:

No-pressure conversation about your situation
Clear explanation of your options
Honest assessment of your retirement readiness
Specific next steps tailored to your needs

You don’t have to figure this out alone. Whether you’re just starting to plan or looking to improve your current strategy, we’re here to help you build confidence in your financial decisions.

Schedule your complimentary consultation today. In just one hour, you’ll gain clarity on your financial situation and learn about strategies that could make a real difference in your future.

Email

mel@planmystrategy.com

Phone

(405) 330-4600

Fax

(405) 330-6605

Address

1404 S. Fretz Ave Ste 900 Edmond, OK 73003

Mon-Fri: 9:00 AM – 4:30 PM
Saturday: By Appointment

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