Our Philosophy

Murray Financial, led by Timothy T. Murray, CFP®, is an independent Registered Investment Advisory (RIA) and financial planning firm that provides hourly and fee-based advice. We are not paid commissions for investment advice. Our goal is to develop and implement strategies that help you reach your financial goals and, as a result, provide financial peace of mind.

Registered Investment Advisor

As a Registered Investment Advisory Firm (RIA), Murray Financial has a commitment and fiduciary duty to put client's interest ahead of their own. While advice can never be completely free of conflict, every effort is made to do so.


  • For investment advice, we are paid by our clients, not by commission, either as an asset-under-management fee for ongoing investment advice or an hourly rate for financial planning.  

  • With few exceptions, our firm recommends low-cost index-based exchange traded funds (ETFs) or index-based mutual funds. Academic studies show that the lower the fund cost, the better the performance. 

  • All investment advisory clients are provided with an Investment Policy Statement which describes how their portfolio will initially be allocated. We then provide ongoing portfolio management and implement quarterly rebalancing recommendations to ensure that your investment plan remains on target.


Six Principles and Practices

MFI Principles

1. Faith – that the United States, and in aggregate, the entire world economy will continue to grow and outpace inflation as they always have, in the long-term.

2. Patience – in our approach and management of long-term investments. We are following proven investment strategies that need time to work.

3. Discipline – to consistently adhere to and fully embrace the current investment plan, regardless of market conditions. We will take action based on a set plan as opposed to a reaction to market movement or news.


MFI Practices

1. Asset allocation – establishes a stock to bond/cash ratio that is appropriate
for the investor’s circumstances and helps reduce the likelihood of panic selling at a market low and/or euphoric buying at market highs.

2. Diversification – spreads risk among numerous asset classes to prevent a
single category’s decline from, in a significant way, adversely affecting the
performance of the portfolio.

3. Rebalancing – takes advantage of market volatility by selling categories that
have outperformed others (selling high) and using those proceeds to
purchase categories that have underperformed (buying low).


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