Strategic planning to help your company thrive

As a business owner, your personal and professional finances are often intertwined. At Cox, Klugh & Company, we help you manage both — building financial strategies that support growth, protect value, and prepare for what’s next in your business journey across Anderson, Greenville, and the Upstate.

Services for Businesses

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Business Succession Planning

Develop a clear transition or sale strategy that protects your legacy and supports your company’s future success. We help you prepare for what’s next while keeping your business strong today.

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Cash Management

Strengthen liquidity and efficiency through structured cash flow and reserve strategies. Our goal is to make your company’s capital work productively while maintaining financial flexibility.

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Retirement Plans for Employers

Design and manage 401(k), SIMPLE IRA, and cash balance plans that attract and retain valuable employees. We handle plan structure, compliance, and ongoing oversight so you can focus on your team.

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Key Person Insurance

Protect your company from the financial impact of losing an essential leader or employee. We help identify coverage needs and recommend solutions that keep your operations stable in any circumstance.

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Employee Benefits Consulting

Build a benefits package that reflects your company’s culture and goals. We evaluate your options, align them with your budget, and help you deliver value to your employees and business.

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Business Risk Management

Identify and prepare for financial risks that could impact your company’s stability. From insurance reviews to contingency strategies, we help create a plan that keeps your business steady when challenges arise.

Tailored Planning for Business Owners

Financial strategies built around your goals

At Cox, Klugh & Company, we understand that every business has its own challenges, opportunities, and rhythm. Our advisors take time to learn how your company operates — from cash flow and staffing to growth plans and succession goals — before designing strategies that fit your long-term vision.


As business owners ourselves, we know how much your company’s financial health impacts both your livelihood and your legacy. That’s why we provide planning that adapts as your business evolves, helping you stay confident through every market cycle and stage of growth.

Common Questions from Business Owners

Straightforward answers for real challenges

  • When should I start succession planning for my business?

    Succession planning should begin long before you’re ready to exit. Unexpected events or market changes can happen at any time, so having a clear plan helps protect your company’s value. Many Anderson and Greenville business owners begin discussions in their 40s or 50s to ensure a smooth transition when the time comes.

  • What is a cash balance plan, and is it right for my company?

    A cash balance plan functions like a hybrid between a pension and a 401(k). It can allow higher contributions for owners or key employees while maintaining predictable benefits for staff. We help evaluate whether advanced retirement options like cash balance or SIMPLE IRAs make sense based on your company’s size, growth stage, and goals.

  • Do you work with startups or only established businesses?

    We work with companies at every stage of growth — from startups looking for their first financial structure to established firms planning for expansion or succession. Our approach scales with your needs, offering flexible guidance whether you’re setting up benefits or restructuring ownership.

  • How can a financial advisor help my small business?

    A financial advisor helps you see the bigger picture — balancing short-term decisions like payroll and cash flow with long-term goals such as retirement, investment, and growth planning. For small business owners in Anderson and across Upstate SC, having a local advisor means faster decisions and support that’s in tune with the local economy.

  • Why work with a local advisor instead of a national firm?

    Local advisors understand your market, your challenges, and your opportunities. At Cox, Klugh & Company, we’ve built strong relationships throughout Anderson and Greenville, allowing us to connect you with trusted local professionals — from accountants to attorneys — who can help strengthen your business’s financial foundation.