Andrew J Murray - Principal

I specialise in meeting the financial needs of people who have created significant capital, or who earn higher incomes and whose circumstances are therefore more complicated than most. Typically this will demand bespoke and sophisticated solutions for these unique circumstances. I started in financial services in 1989, in this time I gained valuable knowledge and dealt with a wide range of clients on a personal and corporate basis.

Working with other School Fees specialists:

Andrew also works closely with other St. James's Place specialists such as:

David Bauldreay

Having privately educated my children and worked as a specialist school fees planner prior to joining St. James's Place, I am fully aware of the costs and pitfalls of privately educating children from income. With the costs of private education so high, and with no two clients having the same circumstances, I enjoy the challenge of providing each of them with their own unique holistic solution. Be they newly weds thinking of having children, grandparents with a legacy or high net worth individuals paying from income, I have the knowledge and experience of 20 years in the industry to help them meet their goals.

David Etches

I have been a financial planner since 1987. Fairly early in my career I recognised the importance of advising parents and grandparents on ways to structure their finances to best meet the cost of a private education. For many people this is a massive commitment. I gain great job satisfaction from helping my clients to create a robust school fees plan and staying with them over the years to make sure it all comes together. Everyone’s situation is unique and a bespoke plan is vital.

Please note that "School Fees Solutions" is the trading name used by Andrew Murray.

Andrew Murray, David Bauldreay and David Etches are all individual representatives of St. James's Place Wealth Management and do not work in partnership with each other. David Bauldreay's and David Etches' expert services are often called upon to complement Andrew's own.