Forge Financial

Forge Financial At Forge Financial, we are driven by our values. Our team focuses on investing and financial planning for retirement using faith-based principles

Forge Financial focuses on investing for retirement using faith-based principles. Our advisors believe forming personal relationships is vital in helping our clients make prudent decisions about their financial futures. We are strong advocates of education and aim to thoroughly teach and explain concepts that may, at first, seem complex. We approach financial planning with the heart of a teacher.

We use Dave Ramsey’s investing principles and financial philosophies so our clients can understand and feel confident about the plans we, together, put in place. We help clients by providing hope and empowering them to set and work towards their goals. We provide personalized service and have earned a reputation in our industry for excellent customer service. Clients can expect clear communication and down-to-earth relationships with our advisors. We do everything in our power to keep our clients focused on where they want to go and the journey that is required to get there. We welcome the opportunity to meet with you and introduce you to our caring team of advisors. Please contact us today to discuss how we can serve you. The SmartVestor program is a directory of investment professionals, Dave Ramsey, SmartVestor and Ramsey Solutions are not affiliates of Forge Financial or LPL Financial. Securities offered through LPL Financial, Member FINRA/SIPC. finra.org sipc.org. Investment Advice offered through Forge Financial Services, LLC, a registered investment advisor and separate entity from LPL Financial. Third party posts found on this profile do not reflect the views of Forge Financial or LPL Financial and have not been reviewed by either Forge Financial or LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

Some of the most important conversations families have aren't about money—they're about planning ahead.Often, it isn't o...
08/25/2026

Some of the most important conversations families have aren't about money—they're about planning ahead.

Often, it isn't one major event that starts the conversation. It's the small moments: a confusing bill, a forgotten password, or paperwork that suddenly feels overwhelming.

Stepping in doesn't have to mean taking over. It can simply mean helping your parents get organized and making sure the right plans are in place before they're needed.

One simple way to start the conversation:
"We're reviewing our own financial and estate plans and realized we should know where everything is. Can we go through yours together?"

At Forge Financial, we've had the privilege of helping families navigate these moments with care and respect. Every family's situation is different, but we've found that starting the conversation early—before it's necessary—often makes all the difference.

If your family is beginning to think about these conversations, we're always happy to be a resource. Learn more at forgefinancial.com.

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the c...
08/21/2026

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the cracks: the Medicare Part B late enrollment penalty.

Most don’t know that if you miss your Initial Enrollment Period (the 7-month window around your 65th birthday), Medicare tacks on a 10 percent surcharge to your monthly premium for every 12 months you delay enrollment.

No cap. No expiration date.

Delay two years, pay 20 percent more. Delay by five years, you pay 50 percent. Every month. For life.

How to manage it?

You are only exempt from this penalty if you qualify for a Special Enrollment Period (SEP).

This usually means you delayed signing up because you (or your spouse) were still actively working and had "creditable" health insurance through that active employer.

If you have questions about Medicare or want to be sure you're working with the latest information, the team at Forge Financial is here to help. Reach out to your Forge Financial advisor or visit forgefinancial.com for guidance and resources to help you make informed Medicare and retirement planning decisions.

Charitable giving strategies can vary depending on a donor’s financial situation and goals. While many donors still choo...
08/19/2026

Charitable giving strategies can vary depending on a donor’s financial situation and goals. While many donors still choose to make gifts by check, contributing appreciated investment assets to a charitable vehicle, such as a donor-advised fund, may provide potential tax benefits. These strategies may help donors manage capital gains exposure while potentially allowing them to receive a charitable deduction based on the value of the donated assets.

Once contributed to a donor-advised fund, donors can recommend grants to eligible nonprofits on their own timeline. The assets can remain invested and may continue to grow while donors decide which organizations they would like to support.

If you’re holding appreciated investment positions and charitable giving is part of your strategy, how you give can be just as important as how much you give.

If a donor-advised fund or other charitable giving strategy is something you’re considering, our advisors can help you explore your options and coordinate with your tax, legal, or accounting professionals as needed. Visit forgefinancial.com to connect with one of our trusted advisors and learn how thoughtful charitable planning can fit into your overall financial goals.

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because ...
08/14/2026

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because they're busy.

Today is National Financial Awareness Day. Four questions worth sitting with:

▸ If something happened to you tomorrow, would your family know what you have, where it is, and what to do?

▸ Are you on track to replace your income in retirement, or are you assuming you will be?

▸ Has your financial strategy changed as much as your life has in the last 12 months?

▸ If markets move lower tomorrow, do you have written goals or a clear idea of how you’d approach that situation?

Markets naturally go through periods of growth and decline. Our financial advisors can help provide guidance and keep decisions aligned with your goals when those changes happen.

Having a plan in place can help you stay focused on your long-term objectives. To discuss your goals or learn how we can help you prepare for different market conditions, contact our advisory team or visit forgefinancial.com today.

There's a difference between leaving money to your family and giving it to them.One happens after you're gone. The other...
08/13/2026

There's a difference between leaving money to your family and giving it to them.

One happens after you're gone. The other lets you see the impact.

The annual gift exclusion is one straightforward way to do the latter.

For 2026, the IRS says that each person can give up to $19,000 per recipient, free of gift tax. A married couple can combine up to $38,000 per recipient, with no gift tax return required and no reduction to the lifetime exemption.

For example, a couple with two adult children and four grandchildren can transfer up to $228,000 this year under the current rules.

Done consistently, annual gifting can help manage a taxable estate while putting money to work for the people you care about, now.

🎁 If you haven’t had a chance to review your gifting strategy for 2026, there’s still time. The deadline is December 31, so now is a great time to connect with one of our trusted advisors or visit us online to learn more and make sure your plans are on track.

Learn more and connect with our team today at forgefinancial.com.

🏠 Most families have the same strategy for long-term care: deal with it when it happens. The problem is, by the time it ...
08/10/2026

🏠 Most families have the same strategy for long-term care: deal with it when it happens. The problem is, by the time it happens, the choices have already narrowed.

Nearly 70 percent of today's 65-year-olds will need some form of long-term care, according to a 2025 study by Schwab.

The median cost of a private nursing home room is $116,800 per year.

An in-home health aide runs $75,504 annually.

With the average need lasting three years, you're looking at $226,000 to $350,000 at today's prices, and that number only grows over time.

Most people know it's coming. They just don't want to think about it.

And while they wait, premiums rise, health conditions develop that can limit eligibility, and options quietly disappear.

A few things worth knowing now:

🔸 LTC insurance can be most cost-effective when purchased sooner rather than later

🔸 HSA funds can be used to pay LTC premiums

🔸 Hybrid policies offer alternatives if you prefer more flexibility

Some conversations are difficult to start, especially when they involve protecting the people we love. If your family has been putting off this important discussion, consider taking the time to have it now.

Connecting with our trusted financial advisors can help you understand your options, make informed decisions, and create a plan designed to support the people who matter most.

Learn more and connect with our team today at forgefinancial.com.

Today, we're proud to celebrate 10 wonderful years of Nancy Frederick's service to Forge Financial as our Client Service...
08/07/2026

Today, we're proud to celebrate 10 wonderful years of Nancy Frederick's service to Forge Financial as our Client Service Manager! 🎉

For the past decade, Nancy has been a steady source of kindness, compassion, and support. One of her greatest strengths is her protective nature. She genuinely looks out for those around her—not just our clients, but her coworkers as well. She is always the first to notice when someone needs encouragement, the first to offer help, and the first to remind us that we're more than just colleagues—we're family. Her caring heart and comforting presence have helped create the supportive culture that makes Forge Financial such a special place to work.

Nancy exemplifies reliability, professionalism, and excellence. She approaches every challenge with patience, integrity, and a commitment to doing what's best for our clients. Her attention to detail, unwavering work ethic, and genuine desire to serve others have earned the trust and respect of everyone who has the privilege of working with her.

Thank you, Nancy, for 10 years of outstanding service and for making Forge Financial a better place every day. Congratulations on this well-deserved milestone!

🎓 Most of the conversation around college savings is about whether you're saving enough. Fewer people talk about what ha...
08/06/2026

🎓 Most of the conversation around college savings is about whether you're saving enough. Fewer people talk about what happens when a 529 plan outlasts the beneficiary’s education needs.

Maybe your child earned a scholarship. Maybe they chose a less expensive school. Maybe the plan changed entirely.

However it happened, you built this account carefully, and now it has more in it than you need.

For years, your options were limited: take a taxable distribution and pay a 10 percent penalty on earnings, or change the beneficiary and hope someone else uses it.

SECURE 2.0 added a third option. Not everyone knows that you can roll unused 529 funds directly into a Roth IRA for the account's beneficiary.

Here's what to know:

🔹 $35,000 lifetime cap per beneficiary

🔹 The account must be at least 15 years old

🔹 Annual rollovers are capped at that year's Roth IRA contribution limit ($7,500 in 2026)

🔹 Only contributions made at least 5 years before the transfer date qualify

🔹 No income limits apply (unlike regular Roth contributions)

This doesn't happen overnight.

If your 529 has more in it than your child will use, it may be worth a conversation before that money sits idle any longer.

📝 A 529 plan is a tax-advantaged education savings plan. Before choosing a plan, it's important to consider not only the state tax treatment but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📝 To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

If your 529 plan has more saved than your child is likely to use, don't let those funds sit idle. Contact one of our advisors or visit forgefinancial.com to discuss your options and find a strategy that fits your goals.

#529

Today we're celebrating an incredible milestone as Holly Ho**er, Client Relationship Manager, marks six years with Forge...
08/04/2026

Today we're celebrating an incredible milestone as Holly Ho**er, Client Relationship Manager, marks six years with Forge Financial!

Over the years, Holly has proven herself to be one of the most dedicated, dependable, and hardworking people anyone could ask to work alongside. She consistently shows up with a positive attitude, takes pride in her work, and is always willing to lend a helping hand. Her commitment and strong work ethic have made a lasting impact on our team, and we are truly grateful for everything she does.

Holly, thank you for your loyalty, dedication, and the care you put into your work every single day. Team members like you are the foundation of our success, and we don't take that for granted. Your contributions have helped us grow, and we're so fortunate to have you as part of our work family.

Congratulations on six amazing years! We appreciate you more than words can say and look forward to celebrating many more milestones together. Please join us in congratulating Holly on this well-deserved anniversary!

Address

2901 S Bryant Avenue
Edmond, OK
73013

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 3pm

Telephone

+14053401600

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