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Murray Financial

Are you a Christian with a desire to glorify God in every area of your life, including your finances? Feel free to contact me via direct message.

If your answer to the question is “YES,” then you and I share something in common. I am honored to introduce myself as a Christian financial advisor, dedicated to helping Christian individuals and families align their financial decisions with biblical principles. As Christians, I firmly believe that we have been entrusted with both the privilege and responsibility of financial stewardship. Drawing

on the timeless wisdom of Scripture, I am passionate about empowering my clients to embrace God’s plan for their finances, which involves faithful stewardship, wise planning, and a commitment to honoring God through responsible money management. My approach to financial advising is deeply rooted in biblical principles. I rely on the teaching of Jesus Christ, and the timeless wisdom contained in throughout the Scriptures to guide my clients through the complexities of financial decision-making. By emphasizing integrity, ethical conduct, and a commitment to serving others, I strive to help my clients navigate financial challenges while staying true to their faith. My services aim to provide practical financial solutions for individuals and families that will enable them to have both a generational and eternal impact. If you have any questions, we can schedule an introductory call to see if we would be a good fit for one another.

06/14/2024

STARTING POINT TO BUILD WEALTH

Friend: "Tristan, what would you recommend as the starting point to building wealth?"

Me: "Intentionality."

Friend: "Huh? Please elaborate...."

Me: "You workout correct?"

Friend: "Yupp, 5 days per week."

Me: "What would happen to your fitness levels if you took 2 months off?"

Friend: "O boy 🤯. The last time I did that I felt so weak when I went back to the gym, I'd definitely lose strength."

Me: "What would happen if you didn't shower?"

Friend: "Yuck, I'd smell and my wife would force me to sleep on the couch."

Me: "Do you see the pattern?"

Friend: 💡"Wow, if we're not intentional about achieving something positive, the natural default is for the negative to occur."

Me: "Exactly, so the first step to building wealth is to be intentional. It's highly unlikely that you'll build any form of lasting wealth by accident."

You may have great desires to build wealth but without taking deliberate actions as a result of a well constructed plan you may just be "spinning your wheels."

06/10/2024

ARE YOU SUFFERING FROM "PIKE SYDNROME?"🐟

In an experiment using Northern Pike, scientists placed the fish in an aquarium that had a glass divider separating the pike from several minnows on the other side of the partition. The pike couldn't see the glass when he repeatedly charged the minnows. Time and again, the pike went for a meal of minnows. Each time, he slammed into the invisible barrier. Finally, after many days of failure, the pike quit trying. Then, the experimenters removed the glass divider that previously protected the minnows from being eaten.

Sounds like "chow time," right? 🍴

WRONG!! 🤯

The pike didn't try to devour the minnows even when they got right up to his nose.🤦🏿

WHY? 🤷🏾‍♂️

What was once an external barrier had become an internal barrier in the mind of the pike. Although there was no longer a physical barrier, the pike had become conditioned to the previous limitation.

Has the lack of generational wealth built by your parents and grandparents created an invisible boundary in your mind? Has your current financial position caused you to stop dreaming and aspiring? Have you settled for mediocrity?

A key 🔑 step on the journey to building wealth is the identification of internal barriers that would hinder your financial potential. Those barriers may just be the "glass ceiling" that has hindered your breakthrough into the "next level" of wealth that you aspire to.

It's time ⏲️ to take personal inventory. Don't hesitate. Your legacy awaits you.

Book a Virtual Coffee Chat☕ with me and we can uncover some of these barriers and start you on your path to the legacy of your dreams.

06/07/2024

A KEY � INDICATOR OF YOUR FINANCIAL DESTINY

Who are you like��

There is a universal truth revealed in Scripture, which says, "‭A disciple is not above his teacher, but everyone who is perfectly trained will be like his teacher," [see Luke 6:40].

Why is this significant�

Regardless of whether or not you realize it, you are being trained. You are being trained and have been trained by the "teachers" that you listen to and those that have your attention.

Who are your teachers about finances��

Is your teacher about finances the latest TikTok influencer? Is it your loving mother who grew up poor and wasn't educated about money? Is it your favorite superhero like the Superman comic that vilified the wealthy?�

These are questions worth considering because your teacher is training you to be LIKE them. So, if you find yourself in a financial position that is NOT where you desire to be, it's time to take personal inventory. You now have the opportunity to make a conscious selection of your teacher. Choose wisely, your financial future depends on it.

05/28/2024

AN INSTRUMENT FOR $4 MILLION DOLLARS 🤯

Joshua Bell [the American Violinist and conductor] bought his 1713 violin for around $4 million in 2001. Someone may think "$4 million dollars for an instrument?!"

This is a perfect example of values. Would I buy a violin for $4 million? Absolutely not, but I am also not one of the world's greatest violinists. But for Joshua Bell the instrument is worth the price because it aligns with his values.

Personal finance is just that, PERSONAL. That is why it is essential that your financial gameplan is aligned with your values and priorities.

If you need guidance to ensure that you're money is aligned with your values, send me a DM and book your Virtual coffee chat ☕.

05/24/2024

When you're a child, you rarely think about the real-life applicability of games. To this day, Monopoly has a nostalgic place in my heart �.
Who remembers those Monopoly games that lasted for hours as a child?

As exciting and engaging as Monopoly is, there are actually some great financial principles that can be learned.

Here are 5 financial principles that can be gleaned from Monopoly [this list is not exhaustive]:

1. Always keep cash on-hand.

2. Be patient.

3. The importance of cash flow.

4. The necessity of investing for long-term wealth.

5. Don't put all your eggs in one basket.

What lessons would you add? �

Comment below ��

05/23/2024

THE UNPROTECTED HERO

So often, as a business owner and entrepreneur, you feel the weight of the financial burden that rests upon your shoulders. You're the sole breadwinner for your family, and you've poured your life into your business. You realize the catastrophic impact on your household that a loss or extended pause in your income would have. Hopefully, you've been financially prudent and protected yourself against any potential illness or death.

If you're like most entrepreneurs, your spouse has sacrificed their career to be the unsung hero in the background. You are the Batman, and they are Robin. You understand how valuable the role that they play is.

However, one frequently overlooked aspect by sole breadwinners may be leaving you highly exposed to a financial catastrophe. You forgot to consider and protect against the significant financial mess that would be created if your spouse were to suffer a critical illness. You didn't consider the potential loss of income from your business that would take place if you have to take time off to take care of the household while your spouse recovers. You also failed to consider the price that an in home caregiver would cost if you were to hire someone to temporarily fill the role.

Life is known for throwing curveballs, but a well designed risk management strategy can ensure that your financial ship doesn't sink.

If you're looking to talk to someone to ensure that you have a plan to navigate turbulent waters, send me a DM and book your virtual coffee chat �.

05/15/2024

THE STRATEGY - GOAL CORRELATION

As the former personal training director at the gym where I now workout as a member, I have many individuals approach me with questions regarding their personal fitness. I recently had the below interaction.

Member: "Is it better for me to train one body part per day or just do a full body workout everyday?"

Me: "Better in terms of what exactly?"

Member: "Which one will give me better results?"

Me: "What results are you looking for? What are your goals?"

Member: "I don't know. I just want to be fit."

Me: "What exactly does being fit mean for you?"

Member: "Hmmm 🤔.. I'm not sure."

Me: "The optimal training regiment can only be chosen once you understand what your end goal is. You can come to the gym and work really hard for a long time and miss your goals if you don't understand the relationship between your regiment and you're desired end."

After reflecting on this conversation, I realized that so many individuals are making the same mistake with their finances. You heard your friend say that real estate is the best way to invest and now you want to invest in real estate. But what are your clearly defined goals? What is your timeline? What is your risk capacity?

Creating clearly defined financial goals is essential to evaluating any financial strategy. A particular strategy is neither good nor bad until it is analyzed through the filter of your desired end result.

If you're ready to stop the guesswork, send me a DM and we can connect for a virtual coffee ☕ chat.

05/06/2024

THE POWER OF IMAGINATION

In this picture you are seeing the "estate of my family" that was built by my two sons [ages 6 and 4]. Their imaginations never cease to amaze me; they create all sorts of structures and "inventions."
I think that everything is created twice. The first place that it is created is in your imagination.

Unfortunately, as you get older life can knock that childlike imagination out of you. Instead of visualizing the endless possibilities of what you can achieve, your imagination goes into "grown-up hibernation." You had some setbacks and disappointments and now your imagination seems to be numb. Or even worse, its started to malfunction and all you can "see" is the potential failures and reasons that things won't work out.

What do you see? What does the life of your dreams look like? What does you dream legacy entail? Can you describe it in detail? If you can't describe it, you definitely won't create it.

If you're ready to ignite the visionary that has been dormant within you, DM me to book a virtual coffee chat. We can design and build a financial legacy that will empower you to spring out of bed every morning.

05/04/2024

ASSEMBLY REQUIRED

Have you ever purchased an item that required you to assemble it?

You looked at the image of the finished product on the box smiled, threw the manual off to the side and said to yourself “I GOT THIS.” In your mind you were convinced that assembling it should be straightforward.

You begin putting things together and everything seems to be going great! You knew you could “wing it.” 💪

A couple of hours later you’re all DONE. Only to realize that its not functioning how you know it’s supposed to. That’s when you turn and realize that you left out a few vital components that were accidentally left in the box. 🍱

What seemed so successful during the process has now turned out to be a mess.

Disappointed and frustrated at the same time, you humbly dismantle your creation and reach for the instruction manual.

No harm, just a couple of hours wasted. 🤷🏿

So, you follow the detailed plan provided by the manufacturers and realize that it actually takes less than half the time! 🤯

You see, the manual that you neglected was the plan provided by the professionals to guide you to your desired destination. But you decided to “wing it.” And as a result, you ended up with a mess and a couple of wasted hours.

Unfortunately, your finances don’t work the same way. Although you’re “winging it” once again, the mess that could result from this may not be so miniscule. Rather, than a couple of wasted hours it may be several decades of time wasted, hoping that you were going in the right direction. And rather than a malfunctioning product the resultant mess can be a financial catastrophe for your family. 🫣

Your family and your legacy are WAY to important for you to “wing it.” You need a plan to get you to your destination. If you’re tired of winging it and ready to plan for your financial success, my inbox is awaiting your message.

04/29/2024

THE MIRAGE OF TOMORROW

One of the greatest enemies of financial success is PROCRASTINATION. I've lost count of the number of individuals that I have met that have great things that they are going to accomplish in the future. Sadly, for the majority that "amazing tomorrow" never materializes.

Why?

Those individuals fail to recognize that their tomorrow is just a result of the actions that they are taking today. You desire to create a significant inheritance for your grandchildren, that's awesome. What strategies have you implemented? You want to ensure that you're family is protected from the unthinkable, that's noble. What insurance strategies do you have in place?

You can and must plan for the future, but action can only be taken in the present. Don't let what you can't do stop you from doing what you can. Every day of procrastination is another day of delay of your future.

04/24/2024

THE PARTY WITH NO GUESTS 🤯

Have you had a party with no guests?

Typically, when we think of a party, we think of people having fun and celebrating. Yet there is one party that you can have that is highly unlikely to have guests.

Are you confused yet?

It's your PITY party. If you haven't realized up until this point in life, complaining is an antagonist to your success.

"But Tristan, you don't understand what's happening."

Fair enough, but I do understand what will happen if you stay in that posture of complaining. You'll stay in defeat and failure.

I've learned that one of the most detrimental things that you can do in your life is complain. Whether you like it or not, you are where you are in life because of decisions that you've made. Obviously, things happen that are outside of your control, but how you respond and what you do is WITHIN your control.

It's time to take responsibility and be the overcomer that you were created to be! If you're not happy with your current financial position, change it. You desire to do more for your children financially and create a plan to get it done. You've made financial mistakes in the past, welcome to the club 🙌🏾. It's time to stop telling yourself why things haven't gone as you would've wanted. It's time to get up, dust yourself off, and dominate!

If you're ready to start winning financially, send me a DM, and we can book a virtual coffee chat ☕️ to explore the options for your financial turnaround. You're just one strategy away from your breakthrough.

04/22/2024

THE POWER OF COMMITMENT

This past Saturday, April 20th, 2024 my wife and I celebrated 11 years of marriage!!! 🥳.

As I reflect on these past 11 years I can say that one of the underlying keys to our success and longevity is COMMITMENT. Did things always go as planned? ABSOLUTELY NOT! Has there been challenging days along the way? OF COURSE! But one thing that has kept us, is our COMMITMENT to one another and the vision that we have together.

Likewise, on your journey to building a legacy you will experience challenges and apparent "detours." But what must remain constant is your commitment to your vision. And if you have the right plan in place and the unwavering commitment, like marriage, your best days are ahead of you!

Address

Toronto, ON

Telephone

+14165774660

Website

https://advisor.canadalife.com/tristan-murray/

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