Cox Financial Group, LLC

06/10/2026

Major student loan changes are set to take effect July 1, bringing updates to borrowing limits, repayment options, and federal aid eligibility.

New rules will limit how much some students and parents can borrow. Parent PLUS loans will be capped at $20,000 per year and $65,000 total per student, while new caps will also apply to graduate and professional degree borrowing.

Repayment options are also changing. New federal loan borrowers will have fewer choices, with options narrowing to a tiered standard repayment structure or a new income-driven option called the Repayment Assistance Program.

Borrowers currently enrolled in SAVE may also need to choose a new repayment option, with loan servicers expected to send notices about next steps.

Pell Grant rules are changing as well, including expanded eligibility for some short-term workforce training programs.

For borrowers and students, the takeaway is simple: watch for communications from loan servicers, confirm contact information is current, and review available options before deadlines arrive.

The changes will affect how much students and their parents can borrow, as well as their repayment options.

06/10/2026

Our community shows up for each other. 💙

Cox Financial Group is collecting food and hygiene items for the Parker County Senior Center's food pantry through June 26th.
Drop donations at our office and we'll handle the rest.

See the flyer for the full list of needed items — no contribution is too small!

06/10/2026

What would you do with a windfall?

A business sale. An inheritance. A bonus that lands bigger than expected.

Most people assume they'd handle it well.

But sudden money follows patterns. And the patterns aren't always flattering.

Psychologists call it sudden wealth syndrome: the anxiety, decision paralysis, and relationship pressure that arrive alongside a large sum. It shows up whether the windfall was a complete surprise or something you spent years building toward.

The 5 most common mistakes we see:

⏳ Upgrading your lifestyle before a strategy exists

🤝 Giving to family under emotional pressure

📊 Attempting to make decisions without professional guidance

⚖️ Freezing and making no decisions at all

📋 Missing the critical deadlines in year one

All five can be managed, but only if you get ahead of the emotions before the decisions start piling up.

The most important thing you can do in the first 90 days? Maybe nothing.

Tell very few people. Then consider building a team of professionals who can offer insights and guidance.

There is rarely a cost to waiting. There is frequently a cost to moving too quickly.

06/08/2026

More home sellers are taking listings off the market as housing conditions continue to shift.

In April, 5.8% of home listings nationwide were pulled from the market, tying December for the highest share of delistings since March 2020. Delistings were also up 3.8% from March.

Several factors may be contributing to the trend, including elevated mortgage rates, higher household costs, and softer buyer demand.

Some sellers may be choosing to wait rather than accept lower offers or longer timelines. At the same time, buyers in certain markets may have more negotiating room than they did in recent years.

Inventory has also been rising in some areas, with more listings sitting on the market for longer.

Together, these shifts point to a housing market where expectations between buyers and sellers may take time to reset.

Frustrated sellers are pulling their homes off the market at an increasingly high pace, as demand weakens and bidding wars wane.

06/07/2026

Roth or traditional—which 401(k) option makes more sense for you? This side-by-side comparison helps you think through the tradeoffs based on your tax situation.

Compare Roth and traditional 401(k) options to see which may work better for your situation.

06/07/2026

Some days on the calendar mean more than others. Today is one of them. 💙

If someone you love has faced a cancer diagnosis, you know the journey doesn't end when treatment does. The fear doesn't just disappear. The follow-up appointments keep coming. And somewhere in the middle of all of it, there are these unexpected moments of pure gratitude that are hard to put into words.

Cancer doesn't just touch one person. It's the spouse who rearranged their whole life. The kids who grew up faster than they should have. The friends who showed up and kept showing up.

Behind every survivor is a family that went through it too.

Today is for all of them.

06/06/2026

You’re the conductor of your 401k, IRA and taxable savings.

Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.

06/04/2026

If you've watched a parent or grandparent navigate this disease, you already know.

It changes everything, and not just for them.

Families are often so focused on the day-to-day of caregiving that the legal and financial side quietly falls behind.

▪️ Who has the authority to make decisions if something changes?
▪️ Is there a long-term care plan?
▪️ Does anyone know where the documents are?

A power of attorney, a healthcare directive, a conversation about what care actually looks like.

These are so much easier to put in place when everyone is healthy and clearheaded than after a diagnosis.

If you have aging parents, this month is as good a time as any to start that conversation. We're happy to be part of it. 💙

06/03/2026

NASA has shared new details about its long-term vision for building a base on the Moon.

The agency hopes to return humans to the lunar surface in 2028, with a broader goal of developing infrastructure that could eventually support longer-term activity there.

NASA says the effort will unfold in phases, starting with demonstrations of key technology, cargo delivery, landers, rovers, and surface research.

The challenge is significant. The Moon’s surface can reach extreme temperatures, lacks an atmosphere, and offers no natural protection from radiation, space weather, or meteorite impacts.

Early work is expected to focus on testing systems, studying survival needs, identifying potential landing areas, and preparing for future human activity.

It’s a reminder that space exploration often moves step by step—through engineering, testing, persistence, and the willingness to solve difficult problems far from home.

NASA hopes to return humans to the lunar surface in 2028.

06/02/2026

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.

True. And it's not even close.

96 OF THE 100 LOWEST NUMBER OF WEEKLY MORTGAGE APPLICATIONS SINCE 1999 HAVE HAPPENED IN THE LAST 3 YEARS! (according to the Mortgage Bankers Association's Mortgage Application Index)

Yet, unemployment today is a fraction of what it was during the financial crisis.

People aren't staying out of the market because they can't qualify. The market is gridlocked. Here's why. 👇

1️⃣ Millions of homeowners locked in at 3 percent during the pandemic. Selling means giving that up for another mortgage that may have a higher interest rate. So they're not moving.

2️⃣ If existing owners aren't selling, inventory can become thin, prices might stay elevated, and buyers wait for something to change.

3️⃣ Most are waiting for rates to drop. But when they do, demand may pick up, competition returns, and that window closes faster than expected.

Here's the truth about market timing: it almost never works the way people picture it.

The better question isn't "When is the right time to buy?" It's "Am I financially ready to move when the right opportunity comes?" 📋