Financial planning built around your life
At Cox, Klugh & Company, we help individuals and families plan with purpose. From building savings and managing debt to preparing for retirement and protecting your legacy, our advisors provide clear, actionable strategies tailored to your life goals.
Services for Individuals & Families
Financial Planning
Create a clear roadmap for your future, from managing cash flow and paying down debt to building long-term retirement income strategies that align with your goals.
Investment Management
Work with a team that actively manages your portfolio using a momentum-driven approach, adjusting to market trends while staying focused on what matters most to you.
Retirement Planning
Build a strategy that supports the retirement lifestyle you envision. We help with timing Social Security, optimizing 401(k) and IRA rollovers, and creating a sustainable income plan for life after work.
Estate Planning
Plan for the legacy you want to leave. We coordinate with your attorney to make sure wills, trusts, and beneficiaries reflect your wishes and protect your loved ones.
Insurance & Risk Management
Protect your family’s financial security with insurance strategies designed to reduce risk and provide stability through life’s changes.
College Savings Plans
Invest in your children’s future with 529 College Savings Plans, including South Carolina’s Future Scholar program, tailored to your timeline and education goals.
A personalized process designed around you
Comprehensive Financial Planning for Your Future
No two families have the same priorities, which is why we start by listening. We take time to understand your goals, challenges, and values before recommending any strategy.
From there, we design a financial plan that evolves with your life — whether you’re building wealth, navigating career transitions, or preparing for retirement. Our holistic approach connects investing, insurance, and estate planning into one cohesive strategy that grows with you.
Frequently Asked Questions
Clear answers for individuals and families planning ahead
Do I have enough money to work with a financial advisor?
Many people assume financial planning is only for the wealthy, but that’s not the case. We work with individuals and families at all stages — whether you’re building savings, managing debt, or preparing for retirement. If you have goals for your money, we can help you create a plan to reach them. Our first meeting is always complimentary, so you can see how we add value before making any commitment.
How do you charge for your services?
We’re a fee-based advisory firm, which means we’re compensated for our advice rather than for selling products. Most clients pay a small percentage of the assets we manage, though we also offer hourly or flat-fee options for standalone planning. Before we begin, we’ll walk you through every detail so you know exactly how our fees work. Transparency and clarity are central to our process — there are never surprises or hidden costs.
I already have investments elsewhere — can you still help?
Yes. We can manage your existing investments directly or provide guidance on accounts held elsewhere. Our team reviews your portfolio to identify strengths, gaps, and opportunities for improvement. Whether you decide to consolidate your accounts with us or not, you’ll come away with a clearer picture of how your investments fit your long-term goals.
What if I just need one-time advice or a second opinion?
That’s something we do often. Many clients come to us for a one-time review of their financial situation, a retirement projection, or a checkup on their investment strategy. You don’t have to commit to ongoing management to benefit from our experience. Our goal is simply to help you make confident financial decisions — whether that’s through a single session or a long-term relationship.
How often will we meet or update my plan?
We typically meet with clients at least once a year, and often more frequently depending on your needs and preferences. Life changes — new jobs, homes, children, and market shifts all affect your financial picture. We proactively review your plan and make adjustments to keep it aligned with your goals. Between meetings, we stay in touch through updates, calls, and quick check-ins whenever something new comes up.
