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Financial Strategies - Retirement Income Planning - Investments - Insurance

Colin D. Murray, Principal

Murray Wealth Strategies LLC was founded on three essential ideas:

(1) That real wealth – an income one doesn’t outlive and a significant legacy to one’s heirs – can only be built and preserved through a program of lifetime investing.

(2) That the achievement of real wealth is not driven by investment "performance", but by investor behavior – which is primarily a function of making a lifetime plan and sticking to it.

(3) That, in practice, no one will ever be able to resist the behavioral traps of investing without the empathetic but tough-loving counsel of a high quality financial professional, whose functions aren’t prediction and "performance," but planning, perspective and behavior modification. Thus, the most valuable function of a financial professional is to guide clients to help them avoid making mistakes that disrupt their lifetime plan.

 

Please use this site as a resource, and do not hesitate to contact us for additional information or to schedule a financial checkup without cost or obligation.  

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Newsletters

Earning Income from Mutual Funds

More than half of working Americans are concerned that they may not have enough money to live comfortably during retirement. Although mutual funds are often thought of as a tool to build savings, they can also be used to generate income. This article examines the potential income benefits of bond funds, equity or stock income funds, and hybrid funds.

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

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