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Layton Jacob Cox

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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -Charitable Planning
    • -Other Financial Planning
  • Pension Consulting
    • -401k
    • -403b
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

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No timeline events available.
Employer Years Dates
My Pathway, LLC 5 years, 4 months Nov 2014 - Present
Pathways Financial Partners 7 years, 11 months May 2012 - Present
Quicken Loans 3 months May 2012 - Aug 2012
USA Pawn 10 months Jul 2011 - May 2012
Northwestern Mutual 5 months Apr 2010 - Sep 2010
Full-Time Education 4 years Aug 2009 - Aug 2013
Campbell Construction 3 months May 2009 - Aug 2009
Full-Time Education 13 years Aug 1996 - Aug 2009

Designations & Memberships

Membership information not available

Articles and Answers

Insights by Layton Cox

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Ask a financial questionAsk a question
How much time is reasonable to develop an initial financial plan from a fee based planner?
Hi Jeff,It usually takes about a 2 hour meeting face to face for you to be able to convey your goals, assets, liabilities and give them the full financial picture.Then, the planner has to go back and work through all the information you just gave him. This is the longest part of the phase. Depen...  (more)
Answered Sep 2014
How much is in my 401k?
Not enough...  (more)
Answered Sep 2014
What are the advantages of using a commission based financial advisor?
I don't see a situation where using a commission based advisor would make sense.If you want to "set it and forget it" open an etrade or scotttrade account.If you need advice because you have zero investment experience, open an account at a robo-advisor.If you want planning and a personalized port...  (more)
Answered Aug 2014
Do I take a lump sum pension pay off or keep the pension.
Do you have a financial advisor/Investment manager?If so, then I would take the lump sum and give it to them. They will understand your specific scenario better and be able to manage the money FOR YOU not for the pension.There are a lot of other factors that need to be considered: Is this your o...  (more)
Answered Aug 2014
Can I block you from posting our company 5500?? As a sole proprietor you are posting my SS# for everyone to see.
Companies that need to file 5500’s are: • Any company with a welfare plan covering 100 or more employees at the beginning of the plan year. A welfare plan consists of medical, dental, life insurance, educational assistance plans, group legal service plans, group vision plans, dependent care assi...  (more)
Answered Sep 2014
Should I drain my qualified accounts to pay off credit card debt?
Tough love is sometimes the only kind of love that works.You need to stop spending money. $9,000 is nothing. You could pay it off in 3 months if you dug your feet in the ground and said enough is enough.Don't use the money from the qualified accounts. Eat beans and rice for 3 months and kill yo...  (more)
Answered Sep 2014
On technical analisis can we expect a 10 percent correction soon?
Tough question....purely because no one knows. I'm not sure what you are referring to by the phrase: Technical analysis. If you are speaking of the Shiller P/E, then the answer is: maybe.The stock market is extremely unique. It's the only industry where everyone has their own thoughts and own pr...  (more)
Answered Sep 2014
For my target retirement fund should I go with a pre-tax or roth allocation? How aggressive should I be with my 401K?
Hi Rebecca,Congratulations. Not only are you fully employed, but you are getting your own place and you are starting to save for retirement. You give Millennials a good name.A Roth will be your best bet. Ask any expert if they believe taxes will go up in the next 40 years. They are going to sa...  (more)
Answered Sep 2014
Im 25yrs old i had traditional 401K then switched to roth and now back to traditional. Investing 7%. Which is better?
Hi Pedro,Congrats!I like David's answers but I have some peer-to-peer insight advice he may not have.Roth it all the way. Ask any CPA if they think that tax rate will go up or down in 40 years. They'll say up. Paying taxes now is the thing to do.In the long run (20+ years), the S&P 50...  (more)
Answered Sep 2014
Is a John Hancock 401k plan in NY w/ estimated annual plan cost proposed at 1.436% a good rate? I'm a plan admin?
The price of the plan always depends on the service. The Department of Labor has said that a "reasonable" fee must be selected. Reasonable depends on the service. If you are getting exceptional service from JHancock, then this fee may not be too high. You also have to understand that you have a ...  (more)
Answered Aug 2014
Does my financial advisor need to be local to my area to be successful with me?
I actually believe that with the advances in technology and the growing influx of Gen X and Gen Y investors, you no longer have to be on the same continent. Skype, Email, Text, Facebook, LinkedIn. You can access these anywhere that you get cell phone service. It's always nice to meet someone fa...  (more)
Answered Aug 2014
I have a rollover account that is under performing. Is it a good idea to move it. Or ride it out?
I'm not a big fan of Ivy Funds, but that is neither here nor there. If I was you I would do some really quick fee analysis. What does the 401(k) cost and what does the Ivy Funds cost? No matter where you are, you will be able to under- or out- perform the market. You never know which one you wil...  (more)
Answered Aug 2014
How can I take the interest instead of rolling it ovr?
There should be an option for you to either reinvest dividends/interest or to take the income. If you are doing this yourself via a brokerage window, call their support line and ask them where that option is. If you are doing this via an adivsor, call them and explain why you want to take it now....  (more)
Answered Sep 2014
When rolling over a 401k to IRA is there a waiting period before you can make withdrawls?
Curt's right. The 5 year rule is only in regards to Roth IRAs. Good luck with your retirement!...  (more)
Answered Sep 2014
How can we get more detailed benchmarks?
There a multiple different "benchmarks" for each asset class. I'm not sure how detailed you would like to get but I would suggest starting your search at one of these sites:  (more)
Answered Sep 2014
I am currently 38 and do not have any retirement accounts yet. Which retirement plan will be best for me now?
It seems that you will easily be able to determine what plan to get into, but that won't get you to retirement. Tax breaks and benefits are nice and all, but you are the only person that can control your retirement destiny. 38 isn't exactly young, but luckily it's not old either. You need to tak...  (more)
Answered Sep 2014
How do I find out how much money a month I will be collecting through my pension?
These guys nailed it. However, I'm sure the real reason you asked is because you would rather know if taking the lump sum makes more sense than taking the annuity payments.In order to answer that question, I refer clients to this free online calculator  (more)
Answered Oct 2014
X% of fee on portfolio value and commission on each trade.
You fire them because they are either poor communicators or don't have your best interest in mind....  (more)
Answered Aug 2014
I have been contributing to ING for 35 years and have become concerned about their fees and the impact on my returns,?
You will have to pass on a little bit more information. What fees are you specifically concerned about? How much are you contributing? What services are you receiving for these fees?Ultimately, if the plan's fees are outrageous then you have two options: Complain to HR till they fix it (less l...  (more)
Answered Aug 2014
What are terms and conditions of withdrawing from a 401K savings plan?
401K withdrawals are taxable as ordinary income and if you don't meet certain rules an additional 10% penalty tax will be added. If you have not reached at least age 59 ½ then you will owe the 10% penalty tax unless: You die and the account is paid to your beneficiary (not the easiest way of doin...  (more)
Answered Aug 2014
What do I do with my annuity? At 30 years old I could use it to pay down my house or switch it to a 401k I control.
If the mortgage payment isn't killing you, I would roll it over to a 401(k). You seem to be in a pretty good spot financially speaking. You can easily make more than 4% in a 401k plan, over the long term.Unless you are just getting killed by the mortgage and you hate the thing with a red hot pas...  (more)
Answered Oct 2014
Can I have a number to call someone in regards to my ESOP stock and what to do with it?
If Michael isn't your man, feel free to give me a call as well.(520)299-5875 lcox  (more)
Answered Oct 2014
How can i find out what i had vested in schwebels from 2007-2009?
Best place to start would be to reach out to your HR department. This is something your plan administrator will have a record of. The plan administrator could be a large company or a local company. First step and most likely last step will be to reach out to HR and ask them this question. If th...  (more)
Answered Sep 2014
What are terms and conditions of withdrawal from a 401K savings plan?
401K withdrawals are taxable as ordinary income and if you don't meet certain rules an additional 10% penalty tax will be added. If you have not reached at least age 59 ½ then you will owe the 10% penalty tax unless:You die and the account is paid to your beneficiary (not the easiest way of doing i...  (more)
Answered Sep 2014
How do I get information about Penny Stocks.
My first question is: why do you want information on penny stocks? Are you trying to hit a homerun or further diversify your portfolio?If you are trying to hit a homerun, I can't in good conscious tell you where to get information because all the odds are stacked against you. It's the investing e...  (more)
Answered Sep 2014
Do I rollover my 401k to my other investments that are in Life Partners, or do I leave them where they are at?
I would say it depends on the fees.You should ask for a 408(b)2 fee disclosure from your 401k provider and then ask your life partner's rep for a fee disclosure from them as well. If the 401(k) has lower fees, keep the money in there.If the life partner's has a lower fee, roll the money over to ...  (more)
Answered Oct 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
      Not registered
    • disclosures
    • as of date
      Nov 20, 2018
    • license status
      Not registered
    • disclosures
    • as of date
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



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