Donald L Murray

I have been in Financial Services since 1987 in a variety of adviser and senior management roles.

As an IFA my objective is to help you ensure that your financial planning is appropriate for your lifestyle. That may take the form of arranging suitable life assurance, critical illness cover, income protection insurance or private medical cover to protect you and your dependants now.

Or it may take the form of investment and pension planning to enable you to have the ability to maintain or enhance your lifestyle at some point in the future. I can also help to ensure that these plans are set up in the most tax efficient manner possible.

I do this by undertaking a full and detailed review of your current arrangements, working with you to establish clearly defined goals, taking account of both your appetite and capacity for risk and then researching the marketplace to come up with an appropriate solution to address your requirements.

Full written recommendations are provided with clear rationale explaining why they are appropriate to your individual situation. Recommendations, together with supporting documentation are provided to you in advance of making any decisions to proceed. This ensures you have sufficient time and information to be confident that my advice meets your stated goals.

Remuneration basis

We start with a ‘no charge, no obligation’ initial meeting, with the cost of the consultation being met by me. This will be at a time and a location to suit you.

Only if appropriate will we then agree our remuneration basis. All costs of advice are clearly explained, confirmed in writing and are dependent on your individual circumstances and requirements.

Range of Services Provided

• Holistic Financial Planning
• Investment Planning
• Inheritance Tax and Trust Planning
• Income Protection Planning
• Retirement Planning – Pre & Post Retirement
• Individual, Family & Business Protection
• Corporate Investment
• Director/Shareholder Protection
• Keyperson Cover
• Corporate Pension Planning
• Employee Benefits

Areas covered: Scotland and North England