40 Years Changes How You See Everything.
I've sat across from hundreds of business owners, executives, military officers, and professionals at exactly the moment you're in right now. Some came in confident they had it figured out. Some came in knowing they didn't. What they all had in common was that the decisions in front of them were too consequential to get wrong.
After 40 years I know what those decisions look like, what the mistakes look like, and exactly what it takes to get this right. That's not something you learn from a textbook.
Beyond the Work
I’m a husband, a father, and someone who has personally navigated every decision I help my clients make, Social Security timing, Medicare, rolling over decades of savings, and figuring out what the next chapter actually looks like. This work isn’t abstract to me. I’ve lived it. That changes how I show up for the people I work with.
My Approach
I don’t believe in one-size-fits-all retirement plans. I believe in sitting down with a person, understanding exactly what their life costs, what they’ve built, what they’re worried about, and what they want their next chapter to look like, and then building something around those specific answers. That’s the only kind of plan worth having.
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Frequently Asked Questions About Retirement Transition Planning
How is working with Murray different from working with other advisors?
Most advisors are focused on growing your assets. That’s the right job during your working years. What I specialize in is the transition, structuring what you’ve built so it produces reliable income in the right amounts, at the right times, with the right tax efficiency. That’s a fundamentally different conversation, and most advisors aren’t having it.
I’m not fully retiring — I’m transitioning. Is this still relevant to me?
Absolutely. Many of the clients I work with are stepping back, going independent, selling a business, or moving to part-time work. The rollover decision, the income structure, and the tax window don’t wait for full retirement. The transition period is often when these decisions are most time-sensitive.
What does the first conversation actually look like?
A straightforward conversation — not a sales pitch. I’ll ask you about where you are, what decisions are in front of you, and what’s keeping you up at night. You’ll leave with more clarity than you came in with, regardless of whether we decide to work together.
How do I know if I’m the right fit?
I work with business owners, executives, military officers, healthcare professionals, educators, government employees, and other professionals who have significant retirement assets and are within a few years of a major transition. If you’re serious about getting these decisions right and you want someone who has navigated them hundreds of times, we’re probably a good fit. The qualification process takes about two minutes — you can start it right here.
Find Out If We're a Good Fit.
Everything on this page is the framework. Your rollover amount, your Social Security picture, your tax situation, your spouse’s security… those are the real decisions. And they can’t be made from a website.
I’m not the right fit for everyone. But if you’re curious whether I can genuinely help with your specific situation, take a couple of minutes and find out.
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