Name: Tempered Wealth Management
Address: 4760 Preston Rd Suite 244-271, Frisco, TX, 75034, US
Telephone: 888-553-6428
Price range: $$

Tod Long — Retirement Income Specialist, Tempered Wealth Management, Frisco TX

World Indoor Champion — 4×400m, 1995

USA Indoor Champion — 200m, 1995

Six-time NCAA All-American — Univ. of Oklahoma

Professional Sprinter — Nike

Independent Advisor · NPN: 7569078

Host — The Income Standard Podcast

Former Host — Financial Fast Track Radio (OKC)

Seminar Presenter — Colleges & Libraries

A Different Kind of Financial Professional

Preparation determines
outcomes. Always.

Tod Long didn't come to financial services through a traditional path. As a University of Oklahoma track athlete and Nike professional sprinter, he built his entire worldview around a single principle: outcomes are determined by preparation, sequencing, and the ability to perform under pressure — not by luck.

When he transitioned into insurance and financial planning — initially at his father's suggestion — that same discipline became his differentiator. While other advisors focused on products and transactions, Tod focused on the architecture of the decision. When do you take Social Security? In what order do you draw down accounts? How do you hedge against a tax environment that is almost certainly getting worse?

Over 20+ years of independent practice, those questions became the foundation of everything — a practice built on getting the retirement decision right the first time, because these decisions are often irreversible.

Today, Tod operates as Tempered Wealth Management — a firm whose name says everything about the philosophy: genuine financial strength isn't inherited or rushed. It's built deliberately, tested over time, and refined through experience.

Schedule a Review → Call 888-553-6428 →

Why Independence Matters

Not affiliated. Not captive. Not conflicted.

Tod is not tied to any single insurance company or financial institution. That independence is structural — it shapes every recommendation made on your behalf.

01

No Quotas. No Captive Products.

Independent means access to products across the market — not just what one company offers. If the right answer for your situation doesn't fit a product shelf, the conversation stays honest rather than redirected.

02

Strategy Before Anything Else.

Every engagement starts with a comprehensive look at your full retirement picture — income sources, tax exposure, timing decisions, protection needs. Products, if they belong in the plan, come after the strategy is mapped.

03

One Standard. Every Client.

Every engagement at Tempered Wealth is built on the same framework — strategy-first, fully documented, and held to the same standard of care regardless of who works the case. The methodology doesn't vary by client tier.

Background

The path here.

University of Oklahoma

Six-Time NCAA All-American Sprinter

Competed at the elite collegiate level as a sprinter for the Oklahoma Sooners. Named NCAA All-American six times. Twenty-two-time Big Eight All-Conference. Built the performance discipline and preparation systems that would define every chapter that followed.

1995

World Indoor Champion · Nike Professional Athlete

Won the World Indoor Championship as part of the 4×400m relay team and claimed the USA Indoor Championship in the 200m. Represented Nike as a professional sprinter — the highest level of the sport. The move from collegiate to professional competition made one thing clear: preparation is the only variable you can control.

Early Career

Entry Into Financial Services

At his father's suggestion, Tod explored insurance and financial planning — initially skeptical. Working directly with clients facing real, permanent retirement decisions changed his perspective. The stakes were familiar: preparation determines outcomes, and getting it wrong isn't recoverable.

20+ Years Running

Long Financial Services — Independent Practice

Built and grew an independent retirement income practice serving pre-retirees and retirees across 30+ states. Strategy-first, product-independent from day one — focused on Social Security optimization, tax-efficient withdrawals, and guaranteed income planning.

2013

World Masters Champion

Won the World Masters Championship and USA Masters Championship — competing at the highest level of masters athletics while running a full-time financial practice. The discipline built at OU and with Nike hadn't faded. It had compounded.

OKC Radio — Former, Returning

Host — Financial Fast Track Radio

Hosted a weekly retirement planning program on KOKC 95.3 and KQOB 96.9 in Oklahoma City, covering Social Security timing, IUL strategies, rollover decisions, and retirement income in plain language. The show built an audience across Oklahoma, North Texas, Arkansas, and Kansas. Currently on pause — and expected to return when the market conditions are right.

Current

Community Seminars — Colleges & Libraries

Presents retirement income seminars at local colleges and public libraries across the region. Topics include Social Security timing, the RMD tax bomb, building a retirement income floor, and tax-free strategies in retirement. These are educational sessions — no products, no pitch. Just the information people need to make better decisions.

Now

Tempered Wealth Management · The Income Standard Podcast

Launched Tempered Wealth Management as the umbrella brand for a growing multi-state retirement income practice. Hosts The Income Standard Podcast — weekly episodes breaking down the decisions that matter most for pre-retirees, without the product pitch.

The Name. The Philosophy.

What "Tempered" actually means.

Steel is tempered through fire and pressure. The process doesn't weaken the metal — it transforms it. Tempered steel holds an edge. It doesn't shatter under stress. It performs when performance matters most.

The same is true of a retirement strategy built the right way. Not rushed to market. Not assembled from the nearest product shelf. Built deliberately, tested against real scenarios, and refined until it holds — no matter what the market does.

Twenty-plus years of retirement income planning is a lot of fire and pressure. Clients who didn't plan for RMDs. Markets that took 40% in a year. Couples who made Social Security decisions they couldn't undo. Every one of those situations taught something that a textbook doesn't cover.

That experience is the differentiator. Not the products. Not the license. The pattern recognition that comes from having seen every version of what can go wrong — and building strategies that account for it.

"Retirement decisions are often irreversible. Getting them right the first time is the only acceptable standard."

— Tod Long

Media & Education

Retirement income education,
in plain language.

Podcasts, radio, and in-person seminars — the same clarity Tod brings to client conversations, delivered to broader audiences.

Podcast — Active Now

The Income Standard

Tod hosts The Income Standard — weekly episodes breaking down Social Security timing, RMD planning, Roth conversion strategy, and retirement income design. For pre-retirees who want clarity, not a sales pitch.

Listen Now →

Radio — OKC Market

Financial Fast Track Radio

Tod hosted this weekly retirement planning program on KOKC 95.3 and KQOB 96.9 in Oklahoma City for years — drawing listeners and clients across Oklahoma, North Texas, Arkansas, and Kansas. Currently on pause as The Income Standard expands.

As Seen On

Visit Archive →

In-Person — Colleges & Libraries

Community Seminars

Tod regularly presents retirement income seminars at local colleges and public libraries — covering Social Security timing, tax-efficient withdrawal strategies, RMD planning, and retirement income fundamentals. These are educational sessions, not sales events. The goal is the same as the podcast: give people the clarity to make better decisions, whether they ever become clients or not.

Seminar topics include: When to Take Social Security, The RMD Tax Bomb, Building a Retirement Income Floor, and Tax-Free Strategies in Retirement. Organizations interested in hosting a seminar can reach out directly.

Inquire About a Seminar →

Take the First Step

Ready to have the conversation?

The first call is a 20-minute income review. No cost, no commitment, no products pitched. Just a focused look at where you stand and what your options are.

Schedule Free Income Review → View Services →

Tod Long — Built Different.

Preparation determinesoutcomes. Always.