Five Star award winner Ryan D. Murray, APMA™, CFS®, CAS©, CRPC™, CMFA®

PROFESSIONAL ACCOMPLISHMENTS

AWARDS

Five Star Wealth Manager award winner 2012-2014, 2016-2024

ACCREDITATIONS

APMA™, CFS®, CRPC™, CAS®, CLTC®

A personal approach to planning

We believe that the process of identifying clients’ goals and then tracking progress against those goals over time is critical. Our knowledgeable team will work with you to bring clarity to your life’s important financial choices. Our approach involves asking the right questions, listening closely to your answers, and then building a plan that meets your needs. Shorter term goals may demand different solutions and investment options. We can help you achieve your retirement goals through our exclusive Confident Retirement® approach.

Preparing for Life Events

Life is full of special milestones: buying a house, starting a family,launching a business, sending your kids to college, etc. The emotional impact of each of these events is significant – but so is the financial impact. We can address issues like health care, tax planning strategies, etc. Addressing these issues can require technical advice and specialization. It involves evaluating and understanding trade-offs, and frequently requires emotional and behavioral considerations.

Wealth Management

We use a robust asset allocation process to manage investments. We identify your risk tolerance based upon your goals and time horizons. Due diligence is performed, and high standards are used when determining which investments to recommend. Funds are then refined to align with your specific goals and risk tolerance. We monitor drift over time, and determine if strategies remain suitable based on changing needs and market conditions.

A Client Experience

Our mission is to understand and document your financial goals, and then put a plan in place to help you achieve them. You will be able to see those solutions and track their progress on your own from the Ameriprise Financial app. We will meet with you face-to-face at least annually, and reach out proactively at least every six months. We will discuss current market conditions, give updates on your accounts, and provide you with annual reviews regarding investments, goal tracking, and financial fundamentals. You have access to our team at any time.

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This award was issued on 11/01/2024 by Five Star Professional (FSP) for the time period 02/13/2024 through 08/30/2024. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 4532 Philadelphia-area wealth managers were considered for the award; 303 (7 % of candidates) were named 2024 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2023: 3,885, 328, 8%, 11/1/23, 2/13/23 - 8/31/23; 2022: 3604, 305, 8%, 11/1/22, 2/21/22 - 8/19/22; 2021: 3576, 310, 9%, 11/1/21, 1/18/21 - 9/3/21; 2020: 4148, 366, 9%, 11/1/20, 2/10/20 - 9/11/20; 2019: 3910, 437, 11%, 11/1/19, 2/11/19 - 9/20/19; 2018: 3721, 439, 12%, 11/1/18, 2/20/18 - 9/19/18; 2017: 3022, 437, 14%, 11/1/17, 1/20/17 - 9/8/17; 2016: 2671, 660, 25%, 10/1/16, 3/5/16 - 10/7/16; 2015: 4696, 805, 17%, 11/1/15, 3/5/15 - 9/9/15; 2014: 4438, 856, 19%, 11/1/14, 3/5/13 - 9/9/13; 2013: 3354, 934, 28%, 10/1/13, 3/5/12 - 9/9/12; 2012: 2847, 773, 27%, 11/1/12, 3/5/11 - 9/9/11.

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Ameriprise Financial does not offer tax or legal advice. Consult with a tax advisor or attorney.

Ameriprise Financial cannot guarantee future financial results.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.