Murray Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$134,039,352
Total clients
129
11% high-net worth
Total advisors
2
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
65
Average account size
$1,039,065
About
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.
Client services
Expertise
Fee options
Financial planning fees may be fixed fees, negotiated per client
$0 - $149,999.99: 1.35% $150,000 - $249,999.99: 1.25% $250,000 - $499,999.99: 1.20% $500,000 - $749,999.99: 1.15% $750,000 - $999,999.99: 1.10% $1,000,000 - $2,999,999.99: 1.00% $3,000,000 - $4,999,999.99: 0.90% $5,000,000 - $9,999,999.99: 0.85% $10,000,000+: Negotiable
Owner is a separately licensed insurance agent receiving commissions on insurance products sold; commissions are separate from advisory fees
Hourly fees for financial planning and consulting services, specifics negotiated per client
Fee-only: Financial Planning fees charged as fixed fees or hourly fees; hourly fees and fixed fees negotiated per client; pension consulting fees 0.50% - 1.00% of plan assets, negotiable
Main office location
Murray Financial Services, Inc.
140 Yellowstone Drive, Suite 100
Chico CA 95973, United States
Number of offices
1
Most active in
California · Nevada · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")