Financial Planning

Plan your future with purpose

Your financial life should work in service of your goals — not the other way around. At Cox, Klugh & Company, we help individuals and families build clear, flexible plans that align with what matters most to them and adapt as life changes.

Planning your financial journey

Align your money with your life

Financial planning is about more than numbers. It’s about creating clarity and direction so your money supports the life you envision — today and years from now. Whether you’re balancing debt and savings, building wealth for retirement, or preparing for a major life change, we help you chart the right course.


We take time to understand your priorities and values before building your plan. From there, we create a personalized strategy that evolves as your goals shift, ensuring your financial path always reflects your reality.


Many of our clients come to us at life’s crossroads — starting a business, sending kids to college, or planning the next chapter. Wherever you are on your journey, we’ll help you make thoughtful financial decisions that support stability today and flexibility tomorrow.

Your roadmap, regularly updated

A process built for real life

A financial plan only works when it stays current. That’s why we treat planning as an ongoing process, not a one-time event. We review your progress regularly, adjusting for new goals, market changes, or life updates to keep your strategy aligned with what matters most.


Our advisors also use these sessions to revisit investment allocations, review risk tolerance, and assess cash flow, ensuring every decision continues to move you closer to your objectives.


Life doesn’t stand still, and neither should your plan. Whether you receive an inheritance, change jobs, or decide to retire early, we’ll help you adapt with confidence. Our clients appreciate knowing that when something changes, they have a trusted team ready to update their roadmap and keep them moving forward.

A comprehensive approach to planning

Connecting every part of your financial life

Goal Setting

We start by defining what success looks like for you — short-term priorities like debt reduction and long-term milestones like retirement or a second home.

Investment Strategy

Using our momentum-based approach, we build and adjust portfolios that reflect your risk comfort and long-term objectives.

Your financial plan should be as complete as your life. We take a holistic view to address every area that impacts your wealth and well-being.

Budget & Cash Flow

We evaluate income and expenses to ensure your cash flow supports both living well now and saving for later.

Retirement Planning

We map out how much you’ll need to retire comfortably and how to get there, factoring in Social Security timing, inflation, and market expectations.

Financial & Retirement Planning FAQs

What clients often ask us

  • When should I start financial planning?

    The best time to start is as soon as possible. Even if you’re early in your career, creating a plan helps build strong habits and identify smart savings opportunities. Our team works with clients of all ages to design plans that evolve over time, adjusting as your goals and income grow.

  • How do you determine how much I’ll need for retirement?

    We project your retirement expenses, including travel, housing, and healthcare, and compare them to your expected income sources. From there, we calculate how much you’ll need in savings to support that lifestyle. The process gives you a clear, measurable goal and an actionable path to reach it.

  • What makes Cox, Klugh & Company different from other financial planners?

    We believe in planning that starts with listening. Rather than leading with products or pre-set portfolios, we focus on understanding your goals and values. Our momentum-based investment philosophy helps us stay proactive while keeping your financial life grounded in purpose.

  • Can you work with my accountant or attorney?

    Yes. Collaboration is a key part of what we do. We often coordinate with CPAs and estate attorneys to align your financial plan with your tax strategy and legacy goals, ensuring all aspects of your finances are working together.

  • How often should I review my financial plan?

    We typically meet with clients annually to review progress and adjust as needed. Major life events — a job change, new home, or family milestone — can prompt additional check-ins. Ongoing planning keeps your finances responsive to both opportunities and challenges.