+442086423680 advice@jmurray.co.uk

How we work

The basis of our advice always begins with your personal goals and objectives. We then begin work on how to best achieve these objectives.

Our process follows a five step plan

Initial Consultation

Here we spend time getting to know you. We discuss your specific requirements and objectives. We also take some initial details of your existing financial arrangements.


We undertake a detailed analysis of your existing arrangements. In short we work out exactly where you are at present.

The Financial Plan

Here, we report back on where you are and explain how you progress onto where you want to be.


After discussing the Financial Plan and agreeing exactly how you wish to proceed, we move on to implementation – turning the plan into reality.

The key point to remember here is our independent status. This allows us to recommend whatever products or funds we feel best suit your specific requirements. This is crucial – why would you want anything other than the highest quality.

We complete all of the paperwork for you and oversee the entire implementation process - a service greatly appreciated by our clients. This ensures the minimum of effort for you.


For our relationship with you to be increasingly valuable over the long term, our review process is essential. Indeed, we feel that the best plans are regularly reviewed to ensure everything remains firmly 'on track'.


James Murray Associates Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 458363 http://www.fca.org.uk/register.

James Murray Associates Limited Registered Address: 7A The Broadway, Cheam, Sutton, Surrey, SM3 8BH. Registered in England, No. 5635973.

Neither James Murray Associates Limited nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

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