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Mather & Murray Financial
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Morningstar Portfolios

Morningstar Passive Portfolio Change Rationale March 2023

By Sam Mather-Holgate | April 5, 2023

Please click below to see the latest changes to Morningstar’s Passive portfolio range: Morningstar Passive Portfolio Change Rationale March 2023

Read More

Recent Posts

  • Thinking of Leaving St. James’s Place? What to Check Before Transferring Your SJP Pension or Investments
  • Burnham’s first economic test: fix Britain fast — or markets will do it for him
  • Join us in Bristol for Wealth & Wine: Sip, Connect & Learn
  • Why Swindon is one of the most exciting places to buy property in the South West right now
  • The pension inheritance tax trap: why families could lose 67% — or even more

Recent Comments

  1. Big Changes Ahead for Childcare Funding — What’s Coming in September 2025? - Mather & Murray Financial on Big Changes Ahead for Childcare Funding!
What we do

Trusted by clients across the UK

Understood my position and gave considered professional advice which can be adapted to changing circumstances, very patient with my questions.
Response from the owner:Thank you for your kind review. We’re delighted to hear you felt listened to and supported, and that our advice was helpful and adaptable to your circumstances. We really appreciate your feedback and were happy to answer your questions along the way.
Richard Saunders
1 week ago
I cannot speak highly enough of Sherril Moore who expertly, with great kindness and humour, guided us through a very long and what became complicated financial matter. Thank you so very much Sherril, I literally don’t know where we would be without you and latterly Anne Hevingham.
Response from the owner:Thank you, Derek, for your wonderful review. We’re delighted to hear that Sherril’s expertise, kindness and humour made such a difference throughout a long and challenging process, and we’re pleased Anne was able to support you as well. Your kind words and recommendation mean a great deal to us.
Derek Loring
2 weeks ago
Sean was really helpful and worked really hard to find me a remortgage that worked for me always on the end of the line to answer any questions i had i would recommend mather and Murray
Response from the owner:Thank you, Michael, for your kind review. We’re delighted Sean was able to help you find a remortgage that suited your needs and was there to answer your questions throughout. We really appreciate your recommendation and your support.
Michael Bennett
2 weeks ago
Lovely people, both Kate and Sue were very reassuring on a subject I find stressful. Kate produced a plan for my pension that fulfilled all I required. During the transfer process, Kate constantly sent updates and we had further conversations so she could provide an outstanding service for me. Everything went smoothly, and I am truly grateful to her knowledge and professionalism during a difficult time.
Response from the owner:Thank you, Jonathan, for your thoughtful review. We’re so pleased Kate and Sue were able to put you at ease and support you throughout the process. It’s wonderful to hear that Kate’s professionalism, regular updates and guidance made everything run smoothly. We really appreciate your kind words and your trust in Mather & Murray Financial.
jonathan crowe
2 weeks ago
Mike Rice has been professional and extremely personable throughout the whole process of choosing the most appropriate pension and investment options to suit my attitude to risk. His support and guidance throughout the whole process has been faultless. I look forward to continuing with his support and cannot recommend him highly enough.
Response from the owner:Thank you for your wonderful review, Mike. We’re delighted to hear that Mike Rice’s professional, personable support and guidance made the process of considering your pension and investment options so positive. Your kind words and recommendation mean a great deal, and we look forward to continuing to support you.
Mike Bretnall
3 weeks ago
Outstanding service. I highly recommend Sean Davis for anyone in need of a knowledgeable and reliable mortgage adviser. he took all the stress away from remortgaging our house and worked brilliantly with our solicitors to get it done.
Response from the owner:Thank you for your lovely review. We’re so pleased to hear Sean was able to take the stress out of your remortgage and work smoothly with your solicitors to get everything completed. Your recommendation means a great deal to us, and we really appreciate you taking the time to share your experience.
Agostinho Picardo
1 month ago
Worked very closely with these guys over the last 5 years, recommended to me by the NHS. I finally feel like our finances are in control and we have a long term plan. We’ve had some excellent advice from two very knowledgeable advisors. Very non biased and really good at explaining in layman’s terms - highly recommend
Response from the owner:Thank you, Jane, for such a thoughtful review and for your trust over the past five years — it really means a lot to us. We’re delighted to hear you now feel in control of your finances and have a clear long-term plan in place. It’s great to know the advice has been clear, balanced and easy to understand — that’s exactly what we aim to deliver for every client. Our support continues from here. We’ll be in touch for your regular reviews to keep everything on track, and of course you can contact us any time if your circumstances or goals change. On behalf of the whole team at Mather & Murray Financial, thank you for your recommendation — we really appreciate it.
Jane Brodie
1 month ago
Steven Archer at Mather and Murray has been an absolute godsend. I have four pensions and other investments that I hadn’t a clue what to do with or how to get a regular tax efficient income from. Steve has managed to explain everything clearly and concisely and has come up with a plan tailored to my situation. I now feel much more secure and confident in the future. He is knowledgeable, professional, and personable. If you need to sort out your retirement finances, I highly recommend Steve at Mather and Murray.
Response from the owner:Thank you so much for your kind words, Mark. We’re delighted to hear that Steve was able to explain everything clearly and help you feel more confident about your retirement planning. It’s wonderful to know his knowledgeable, professional and personable approach made such a positive difference. We really appreciate your recommendation.
Mark Allen
1 month ago
I found your company via the find an IFA website. The whole process from booking an initial appointment to discussing with Mike was excellent throughout and he explained all the options and my attitude to risk and helped me choose an appropriate option for my pension now I have reached the age of 55. Mike has been in touch regularly throughout the process and will continue to provide support including advice on my new work pension and where to invest. I can't recommend Mike highly enough. Many Thanks. :-)
Response from the owner:Thank you so much for your lovely review, Andrew. We’re really pleased to hear that the whole process felt clear and supportive from start to finish, and that Mike was able to explain your options in a way that helped you feel confident about your pension planning. It’s great to know his regular communication and ongoing support have been appreciated. Thank you again for your kind recommendation.
Andrew Bridges
1 month ago
Sean was a breath of fresh air. Very knowledgeable, friendly with a swift response turnaround with correspondence. Highly recommend this company.
Response from the owner:Thank you so much for your kind review, Lisa. We’re delighted to hear that Sean’s knowledgeable, friendly approach and prompt communication made such a positive impression. We really appreciate your recommendation.
Lisa Connor
1 month ago
Sherrill was so helpful and pleasant, polite, friendly and human! Everything was explained in plain terms and not rushed. The whole process was seamless and Sherrill supported me throughout. I am extremely pleased that I chose Mather and Murray to help me and would not hesitate to reccomend them and Sherrill to others who needed pensions advice.
Response from the owner:Thank you for your lovely review. We’re so pleased to hear that Sherrill made the process feel clear, supportive and unrushed. Explaining things in plain terms and making people feel comfortable is exactly what we aim for, especially when it comes to pensions advice. We really appreciate your kind words and your recommendation of Sherrill and Mather & Murray Financial.
Maryann Hindmarch
2 months ago
Sherril along with Mather & Murray have provided me with excellent advice regarding my personal pension and retirement planning. I found Sherril very professional & I appreciated her friendly approach in managing my finances. I would highly recommend Sherril to anyone looking for a reliable retirement advice.
Response from the owner:Thank you, Stephen, for your kind review and recommendation. We’re delighted to hear that Sherril’s professional yet friendly approach made such a positive difference. It’s great to know you felt well supported with your pension and retirement planning, and we really appreciate you taking the time to share your experience with Mather & Murray Financial.
Stephen Driscoll
2 months ago
Rachel Hutton was amazing, she was very knowledgable, always happy to advise and easy to contact whenever we had questions. We were very lucky to find her and would strongly recommend her particularly as a mortgage advisor which was what she helped us with, thankyou Rachel!
Response from the owner:Thank you, Chris, for your wonderful review. We’re so pleased to hear Rachel was knowledgeable, approachable and easy to contact throughout. It’s great to know her mortgage advice made such a positive difference, and your recommendation means a lot to us.
Chris Balshaw
2 months ago
Excellent service from Sean and the team. Very professional, friendly and helpful. Sean ensured the transactions went through smoothly to its conclusion. We would highly recommend them to others and will use them again if the need arises. Thank you to all
Response from the owner:Thank you, Barrie, for such a lovely review. We’re delighted to hear Sean and the team provided a professional, friendly and helpful service, and that everything went smoothly through to completion. Your recommendation means a great deal to us, and we’d be very happy to help again whenever needed.
Barrie Hamilton
2 months ago
I am very happy with the service of Mather and Murray for obtaining my pension and specially with the help from Kate Ricks. Very professional, done everything on time and cooperated.
Response from the owner:Thank you, Blair, for your kind review. We’re so pleased to hear you were happy with the service and that Kate’s support made the process a positive one. We really appreciate your feedback and are glad everything was handled professionally and on time.
Blair Marriott
2 months ago
Sean Davis guided us through our process in a measured and very professional manner. There was no hard sell, very transparent and honest throughout and he communicated with us regularly throughout the process. I would not only recommend Mather and Murray but we will be using them again in the future.
Response from the owner:Thank you, David. We’re really pleased to hear Sean guided you through the process in such a professional, transparent and supportive way. It means a great deal to know you felt there was no hard sell and that the communication was clear throughout. We truly appreciate your recommendation of Mather & Murray Financial and look forward to helping you again in the future.
David Connor
2 months ago
We used Sean to assist us in selling our 1st property and ending that mortgage and then buying our new home, finding the best mortgage to suit us and then setting everything up. Along with improving our life insurance, critical illness and income cover. From start to finish Sean was brilliant and a great help with everything and anything. When the process got delayed or obstacles came up he was always on hand to help, check in or make recommendations. We would highly recommend Mather and Murray and Sean and his expertise
Response from the owner:Thank you so much, Mollie. We’re delighted to hear Sean was able to support you from start to finish with your mortgage and protection needs, especially through the delays and obstacles along the way. It’s wonderful to know you felt well looked after and that Sean’s help and recommendations made a difference. We really appreciate your kind words and recommendation of Mather & Murray Financial.
Mollie Potts
2 months ago
I was put in touch with Mather & Murray from unbiased.co.uk as I felt in need of advice in selecting an annuity - I thought I knew what I was looking for, but since the decision is final and irreversible, it seemed like a good idea to get professional advice if only for a second opinion. Mather & Murray contacted me the same day - and assigned Kate Ricks as my advisor - from day one the service provided was excellent, answered all my questions, and guided me to the right decision - explanations were always available even on the trivia, - no question too daft!. Genuinely professional, reassuring and brilliant service 10/10 - Thanks Kate
Response from the owner:Thank you for taking the time to leave such a thoughtful review. We're delighted to hear that Kate was able to provide the reassurance and guidance you were looking for when making such an important decision. It's great to know that she took the time to answer all of your questions and explain everything clearly throughout the process. We believe there’s no such thing as a daft question, so we're pleased you felt comfortable seeking clarification whenever you needed it. Your kind words about Kate's professionalism and support mean a great deal, and we'll be sure to pass on your feedback to her. Thank you for choosing Mather & Murray Financial, and for placing your trust in us.
Dave Wallis
2 months ago
Fantastic experience from start to finish! Rachel H was exceptionally efficient, highly professional and always one step ahead. She answered all our questions instantly and kept us updated at every single stage of the application. If you want a smooth, fast, and hassle-free mortgage process, look no further!
Response from the owner:Thank you for your wonderful review! We're delighted to hear that you had such a positive experience working with our team. It's great to know that Rachel's efficiency and professionalism made the mortgage process smooth and hassle-free for you. We look forward to assisting you with any future financial needs.
Caroline M
2 months ago
Arranged a new mortgage for use, a relatively painless experience. Thanks
Response from the owner:Thank you for your kind words and for choosing us for your mortgage needs. We're delighted to hear that you found the process relatively painless. If you need further assistance, feel free to reach out to us.
Paul Cooper
2 months ago
Kate has been absolutely fantastic in helping my dad with his pensions. She took the time to explain everything clearly and made what can often feel like a complicated process much easier to understand. Her knowledge, professionalism, and patience have been invaluable, and she has always been approachable and willing to answer any questions. Most importantly, she has given my dad confidence and peace of mind about his financial future. I would highly recommend Kate to anyone looking for a trustworthy, knowledgeable, and genuinely caring financial advisor. Thank you for all your help and support.
Response from the owner:Thank you so much for your kind words and positive review! We're thrilled to hear that you had such a great experience with our team, especially with Kate's assistance. Our goal is to make financial processes as straightforward and understandable as possible, and it’s wonderful to know she was able to help your dad achieve clarity and confidence in his financial future. We truly appreciate your recommendation and are here to support you and your family with any future financial needs. Thank you once again for choosing us!
Amy Roberts
2 months ago
Very professional friendly service would highly recommend them for there helpful service
Response from the owner:Thank you for your wonderful feedback! We are thrilled to hear that you found our service professional and friendly. Your recommendation means a lot to us, and we are always here to help with any of your financial needs.
robert hayward
2 months ago
Sarah has been wonderful to work with. Incredibly helpful and no question was silly (and I had a lot of them!). She went over and beyond. We've attempted to use Sarah multiple times over the years when searching and pulling out of properties, and she was always so patient until we finally found the one for us. Sarah is friendly, professional and makes things super easy so we didn't have to worry about a thing relating to our mortgage. Would definitely recommend!
Response from the owner:Thank you for your wonderful review! We are delighted to hear about your positive experience with Sarah and that she was able to assist you effectively throughout your property journey. Your recommendation means a lot to us, and we're thrilled that Sarah could make the process easy and worry-free for you. We look forward to assisting you again in the future if you need any further financial services.
Charlotte Townsend
3 months ago
Kate did a great job in setting up the release of my pension pot. Kate was informative and very professional and I would not hesitate to recommend this company! With thanks Adrian
Response from the owner:Thank you, Adrian, for your kind review. We’re delighted to hear that Kate made the process of accessing your pension straightforward and that you found her informative and professional throughout. Providing clear guidance and support during important financial decisions is exactly what we aim for, so your feedback will mean a lot to Kate. Our support continues from here. We’ll stay in touch for your regular reviews to ensure your plans remain aligned with your goals, and of course you can contact us any time if you need further advice or assistance. On behalf of Kate and everyone at Mather & Murray Financial, thank you for your recommendation — we really appreciate it.
Adrian Bradfield
3 months ago
Finding a mortgage can be stressful, but working with Mather & Murray Financial made it remarkably smooth. Sherril was an absolute pleasure to work with, professional, patient, and always available to answer our questions. She guided us through every stage with clarity and expertise, and we ended up with a great deal. We're grateful for her help and wouldn't hesitate to recommend them to anyone in the market for a mortgage.
Response from the owner:Thank you, Nic, for the fantastic review. We’re delighted to hear that Sherril helped make your mortgage journey smooth and stress-free, and that you felt supported throughout every stage of the process. Her patient, clear and professional approach is exactly what we aim to deliver for all of our clients, so it’s wonderful to know you were happy with both the service and the outcome. Our support continues from here. We’ll be in touch ahead of your next mortgage review to ensure you remain on a competitive deal, and of course you can contact us any time if you need advice or your circumstances change. On behalf of Sherril and everyone at Mather & Murray Financial, thank you for your recommendation — we really appreciate it.
Nic Suica
3 months ago

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  • Independent financial adviser reviewing pensions and investments for clients near Cirencester

    Thinking of Leaving St. James’s Place? What to Check Before Transferring Your SJP Pension or Investments

    August 6, 2026 | Advice, Economic Update, General info

    Key takeaways You are not obliged to remain with St. James’s Place (SJP) indefinitely, and pensions and investments can often be transferred to another provider or adviser. Before moving, it is important to understand exactly what you hold, what you are paying and whether any exit or early withdrawal charges still apply to your particular…

    READ ARTICLE
  • Andy Burnham speaking to a crowd during a political speech on the UK economy and Labour policy

    Burnham’s first economic test: fix Britain fast — or markets will do it for him

    July 1, 2026 | Economic Update, General info, Tips

    Andy Burnham is widely expected to become prime minister later this month, and his first major economic speech was closely watched by markets because the UK is already facing high borrowing costs and fragile confidence. The immediate market reaction to Burnham’s speech was relatively calm: sterling edged up and gilt yields fell after he said…

    READ ARTICLE
  • Professionals enjoying wine tasting at a business networking event in Bristol

    Join us in Bristol for Wealth & Wine: Sip, Connect & Learn

    June 5, 2026 | General info

    Key takeaways: Mather & Murray Financial is co-hosting Wealth & Wine: Sip, Connect & Learn in Bristol on Thursday 9 July 2026 from 5:30pm to 7:30pm. The event is being hosted alongside Rathbones and Clarke Willmott and is designed to combine wine tasting, conversation, networking and financial insight in a more relaxed setting. Guests can…

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Phone
01793 261626
Email
info@matherandmurray.co.uk
Office hours
Mon–Fri 9am–5pm
Address
The Old Police Station, 91 High St, Cricklade, Swindon SN6 6DF
Google Rating
4.9
Based on 272 reviews
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Mather and Murray Financial Ltd is authorised and regulated by the Financial Conduct Authority FCA number 696226

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Copyright © 2026 Mather and Murray Financial Ltd, The Old Police Station, 91 High Street, Cricklade, SN6 6DF. Email: info@matherandmurray.co.uk. Phone: 01793 261626

Mather and Murray Financial Ltd is authorised and regulated by the Financial Conduct Authority FCA number 696226. Registered in England and Wales company number 09444322. Registered address 91 High Street, Cricklade, SN6 6DF. Mather and Murray Financial is not responsible for the content of external links. The content of this site is aimed at UK residents and residents of MiFID countries. Regulations, levels and bases of taxation are subject to change. Decisions should not be made solely based on the content of this site. Individual advice should be sought first.

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