About Tim Murray, CDFA®, CFP®

Gladwyn Financial Advisors, Inc. (formerly Murray Financial, Inc.) is owned and operated by Timothy T. Murray, CDFA®, CFP^®, a CERTIFIED FINANCIAL PLANNER Professional and Certified Divorce Financial Analyst.

Tim has lived in Northern Virginia for over 30 years, has been a small business owner since 1993, and a financial planner since 2001. Tim is married to the former Polly Bailey and is the proud father of three children. Tim worked as a Civil Engineer and Land Surveyor for 7 years and as a co-owner (with wife Polly) of an after-school tutoring center for 8 years. During those eight years, Tim earned his Masters Degree in Education and taught in an elementary school for two years. In 2000, Tim & Polly jointly decided to close their tutoring center to allow Tim to fully pursue what had been his strong interest for many years - personal finance. Tim very much enjoys helping others with their financial planning, whether it is a recent retiree, a small business owner, or a recent college graduate.

Prior to the formation of his new firm in 2005, Tim was affiliated with Capital Planning & Investments, Inc. for 4 years as a financial planner. A primary motivation of Tim opening his own firm was his belief that that the fee-based investment advisory business model (as opposed to commission based) is most advantageous for his current and future clients. He does not have corporate or managerial motives influencing his decision making, nor does he have the potential lure of large commissions skewing his recommendation. The income Tim receives for investment advice is limited to hourly charges or an asset under management annual fee. Tim has been preparing personal tax returns since 1986 and has stayed current with the latest tax law changes by participating in annual continuing education courses. With Tim's varied work and life experiences, he is able to bring a vast, yet balanced perspective to most financial decisions.

Education:

Florida State University, Financial Planning Certificate, 2001

George Mason University, M.Ed. Education, 1997

Virginia Tech, B.S. Civil Engineering, 1986

Professional Certifications:

Registered Investment Advisor (RIA) Representative

SEC, Series 66, Uniformed Combined Securities Advisor

Certified Financial Planner^TM Professional (CFP^®)

Certified Divorce Financial Analyst® (CDFA^TM)

Professional Memberships:

National Association of Personal Financial Advisors (NAPFA) - (i.e. Fee-Only Planners)

XY Planning Network (XYPN)

National Association of Tax Preparers (NATP)

Institute for Divorce Financial Analysts (IDFA)