Cody Murray
Fee only fiduciary financial planning firm working with business owners.
Stillwater Financial · Stillwater, Oklahoma
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.
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Specialties
Who they serve
- Ultra high net worth
- High earners
- HENRY (High Earners, Not Rich Yet)
- Founders
- Retirees
- Pre-retirees
- Multi-generational families
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.
Services
- 401(k) & IRA Management
- Alternative Investments
- Asset Allocation
- Business Succession Planning
- Cash Flow Planning
- Charitable Giving
- Debt Management
- Exit Planning
- Financial Advice & Coaching
- Financial Planning
- Insurance Planning
- Investment Management
- Liquidity & Exit Planning
- Pension Planning
- Philanthropic Planning
- Portfolio Rebalancing
- Portfolio Management
- Real Estate Advisory
- Retirement Planning
- Social Security Planning
- Tax Strategy
- Wealth Management
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 |
| Assets under management | $25M - $100M |
| Firm founded | 2022 |
| Firm size | 2 - 5 employees |
| Credentials | CFP · MBA |
| Investment approach | Passive management |
| SEC registration | Investment adviser representative in LA, OK · CRD 6717656 |
| Exams passed | Series 63 (2016) · Series 65 (2017) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | stillwaterfinancialservices.com |
| Profile |
How Cody's firm compares
- Stillwater Financial's average account is about $252,000, from its Form ADV (assets managed divided by 135 accounts).
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Questions about Cody
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Stillwater Financial website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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