Our Investment process

At Mather & Murray Financial, we understand that successful investing isn’t just about chasing returns — it’s about aligning your money with your goals, your values, and your long-term financial wellbeing.

Whether you’re investing for growth, income, or a specific life event, our investment process is designed to ensure your portfolio is tailored to your personal circumstances, and remains flexible as your needs evolve.

Here’s how we do it:

Step 1: Discovery — Understanding Your Goals

We start by getting to know you. This first conversation is all about you — your hopes for the future, your lifestyle aspirations, your family, and what matters most to you. It’s also when we start discussing your investment preferences, including whether ethical, sustainable or ESG (Environmental, Social and Governance) factors are important to you.

This stage helps us build a meaningful financial picture and ensures any plan we create is rooted in your unique goals.

Step 2: Your Financial Snapshot

Next, we take a deep dive into your current financial position. This includes:

• Reviewing existing investments and pensions

• Analysing your income and expenditure

• Looking at your tax position and allowances

• Considering any debts, mortgages or upcoming costs

This comprehensive review gives us a strong foundation to understand where you are now and what could influence your financial future.

Step 3: Building Your Lifetime Financial Plan

Using all the information gathered, we create your personalised Lifetime Financial Plan — a roadmap to help you stay on track to reach your goals.

We use detailed cashflow forecasting to show whether you're on target or need to make changes. We’ll also highlight any risks or opportunities and recommend actions across key areas such as pensions, ISAs, tax planning, and investment strategy.

Step 4: Implementing Your Investment Strategy

Once you’re happy with the plan, we put it into action. Your adviser will recommend an investment approach based on your risk profile, time horizon, and preferences — including ethical or sustainable investing, if that’s important to you.

Depending on your needs and portfolio size, we may recommend:

• Multi-asset funds or passive portfolios

• Model portfolios managed by a Discretionary Fund Manager (DFM)

• Bespoke discretionary investment solutions

• Inheritance Tax-efficient options (e.g. AIM portfolios)

• Tax-efficient investments like VCTs or EIS

You’ll always know exactly where your money is invested and why — and we’ll make sure it stays aligned with your wider financial plan.

Step 5: Ongoing Reviews and Adjustments

Investing is not a one-time event. That’s why we provide a comprehensive Lifetime Financial Review each year — assessing your progress, your investments, any changes in circumstances, and adjusting your plan as needed.

You’ll also get:

• Access to our secure client portal for live valuations

• The ability to message your adviser at any time

• Mid-year check-ins or additional meetings as needed

Why Choose Mather & Murray Financial?

We are independent financial advisers with clients across the UK, and our head office is in Swindon. We combine long-term financial planning with in-depth investment advice, putting your future at the centre of everything we do.

No jargon, no guesswork — just trusted advice that evolves with you.

Get in touch today to start your investment journey with a clear, tailored plan designed around your goals.

Your investments can go down as well as up. You may not get back the amount you invested.