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We can help you reach your financial life goals.

We offer financial strategies tailored to your specific needs and wishes, backed by decades of experience: planning, tax and investment expertise you can trust.

Client Experience
Listen in on conversations with Certified Financial Planner® professionals, Archie and Rob Hoxton, as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.
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Who We Serve

At Hoxton Planning & Management, we focus on the needs of serious savers who are nearing the end of their career or have already retired. Our clients are generally busy delegators who are comfortable accepting advice.

We serve clients throughout the United States, but most are from local areas such as Martinsburg, Shepherdstown, Charles Town, Hagerstown, and Winchester. Here’s what some of them are saying about us and why they continue to choose Hoxton:

Financial Planning: The Hoxton Way

Present Financial Position

Organize your assets, liabilities, income, and expenses to make progress toward achieving your financial goals.

Tax Management

Consider ways to reduce or eliminate some of the drag that taxes create on your financial plan. What could you do differently to streamline your planning?

Risk Management

Assess the risks that might threaten your financial progress if the unexpected were to occur. Consider ways to mitigate, eliminate, or hedge against those risks.

Investment Planning
Manage your investments with prudence and care, ensuring they align with your preferred timeline and your feelings about risk.
Estate Planning

Create a plan for passing your tangible and intangible assets to the people and institutions you care about most. We’ll help you articulate your wishes and collaborate with your attorneys, trustees, and tax advisors to implement and document them. If you don’t have trusted advisors, we can introduce you to a team in which we have full confidence.

Retirement Planning

What will you need to plan a sustainable retirement? What tasks will get you there?

Investment Philosophy

Investments are frequently the starting point for financial advisors when taking on a new client relationship. At Hoxton Planning & Management we see investments and their management as part of the broader financial planning process and as such isn’t the starting point for our engagement with clients. Said another way, we believe that a client’s goals and the financial plan to achieve those goals should drive the investment strategy recommendations, and the advice process should reflect that relationship.

With decades of experience and a great deal of academic research to support it, our view on investing can be summarized with the following points:

  • We take the long view rather than focusing on short-term economic and market events.
  • We accept volatility as a normal and necessary characteristic of investing in financial markets.
  • We manage investment risk through asset allocation, portfolio rebalancing, and risk avoidance when appropriate.
  • We favor lower-cost, passive investment products in more efficient asset classes where research has shown active management doesn’t add substantial value.
  • We favor actively managed investment products for less efficient asset classes where a manager may add additional investment benefits.
  • We look for ways to save taxes and improve after tax investment performance.
  • We look for ways to lower investment costs.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.