# Cody Murray

> Cody Murray is a fee-only financial advisor at Stillwater Financial in Stillwater, Oklahoma, who holds the CFP and MBA credentials. Cody charges a flat fee or retainer and a percentage of assets (1.5% a year on the first tier of assets managed) and focuses on small business owners, retirement planning and family wealth transfer.

Page: https://find.wellspent.co/advisors/cody-murray/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Stillwater Financial
- **Based in:** Stillwater, Oklahoma
- **Fee model:** Flat fee or retainer; Percentage of assets
- **Fees (firm's website):** 1.5% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $25M - $100M
- **Credentials:** CFP, MBA
- **Specialties:** Small business owners, Retirement planning, Family wealth transfer, Pension planning, Real estate investors
- **Works with:** Ultra high net worth, High earners, HENRY (High Earners, Not Rich Yet), Founders, Retirees, Pre-retirees, Multi-generational families
- **CRD:** 6717656 (https://adviserinfo.sec.gov/individual/summary/6717656)
- **SEC registration:** Investment adviser representative in LA, OK
- **Exams passed:** Series 63 (2016), Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://stillwaterfinancialservices.com

## About

Stillwater Financial Services, based in Stillwater, OK, delivers personalized financial planning, investment management, and tax optimization. Founded in 2022, we empower individuals and small businesses nationwide to achieve financial freedom with innovative, client-focused strategies and a commitment to education.

## Frequently asked questions

### Is Cody Murray a fee-only financial advisor?

Yes. Cody Murray is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Cody's firm.

### How does Cody charge for financial advice?

Cody charges a flat fee or retainer and a percentage of assets.

### How much does Cody charge?

According to Stillwater Financial's website, checked October 28, 2026: 1.5% a year on the first tier of assets managed.

### Where is Cody Murray based?

Cody Murray is based in Stillwater, Oklahoma.

### What does Cody specialize in?

Cody's specialties include small business owners, retirement planning, family wealth transfer, pension planning and real estate investors. Cody works with ultra high net worth, high earners, HENRY (High Earners, Not Rich Yet), founders and retirees.

### What credentials does Cody Murray hold?

Cody Murray holds the CFP and MBA credentials.

### Is Cody Murray registered with the SEC?

Yes. Cody Murray is registered as an investment adviser representative in LA and OK (CRD 6717656), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Stillwater Financial manage?

Stillwater Financial reports $25M - $100M in assets under management.

### How do I contact Cody Murray?

Through Cody's website, stillwaterfinancialservices.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/47653): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.stillwaterfinancialservices.com/): specialties, clients served, and fees, checked October 28, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.