Investment Advice

Investment Advice

Investment advice is the primary reason clients seek help from financial planners. Advice in this area can range from a simple review of an individual's 401(k) allocation, which would be on an hourly basis, to a complete fee-based asset allocation of all retirement, non-qualified, and college savings accounts.


There are three requirements for successful investing:

  1. Knowledge of investment strategies and the financial markets.

  2. Willingness to dedicate the time required to gain the knowledge necessary to design and implement an investment strategy, with regular rebalancing.

  3. The motivation to do steps 1 and 2 on a consistent basis.


Even if you have mastered the three requirements above, there is one more matter that is difficult to control:  Your emotions!  Investor behavior research consistently shows that most investors act irrationally with their investments—selling low in a panic or buying high when the markets are doing well.  Most individual investment enthusiasts behave this way. The cost of this "hobby" can be very high.


As a Registered Investment Advisory (RIA) firm, Murray Financial, Inc. provides the three requirements listed above to insulate you from your investment emotions, and will assist you with all your investment planning needs.


MFI has chosen Fidelity Investments as the custodian for our clients' retirement portfolios.  Client's College Savings 529 accounts are held at American Funds.


Murray Financial Fee Structure

As a Registered Investment Advisor (RIA), Murray Financial’s investment advisory and financial planning income are derived solely from client fees. 


Financial Planning: MFI charges $200 per hour for financial planning services with a maximum charge of $1,500 for a comprehensive financial plan.


Ongoing Investment Advice: Advisory fees are based on a sliding scale depending on the family’s total portfolio value. Fees are invoiced quarterly.


Assets Under Management                                        Annualized Fee

$0 to $50,000                                                                            2.00%

$50,001 to $100,000                                                                1.50%

$100,001 to $500,000                                                              1.25%

$500,001 to $1,000,000                                                           1.00%

$1,000,001 to $1,250,000                                                        0.90%

$1,250,001 to $2,500,000                                                        0.80%

$2,500,001 to $5,000,000                                                        0.70%

$5,000,001 or higher                                                            negotiable

College 529 Accounts                                                               1.00%



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