Murray Financial Services, Inc.

Murray Financial Services serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, corporations and non‑profit organizations, offering discretionary portfolio management, comprehensive and limited financial planning, and pension consulting. The firm also provides monitoring and opportunistic rebalancing for “held‑away” accounts (for example, 401(k)s and HSAs) without an additional fee.

Investment advice is asset‑allocation driven and implemented on a discretionary basis with a long‑term orientation, typically using mutual funds—primarily funds from Dimensional—and a mix of exchange‑listed securities and fixed‑income instruments when appropriate. The firm requires custody at Charles Schwab and leverages institutional custody and trading services, including an order management system it pays for to support tax‑efficient asset location and rebalancing.

The firm’s owner is separately licensed as an insurance agent and may receive customary insurance commissions for product implementations; this potential conflict is disclosed and the brochure describes mitigation measures and client options. Distinctive features for a small SEC‑registered adviser managing roughly $133 million include the near‑exclusive Schwab custody requirement, use of an OMS for held‑away accounts paid by the firm, and a pronounced reliance on a single mutual fund provider for many client portfolios.