We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.
We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.
Contact us today to find out how we can help with your financial needs.
Murphy Neil Financial Group Inc. is one of Newfoundland and Labrador’s fastest growing employee benefit consultant firms. It delivers comprehensive, personalized financial planning services for your company, your employees and your family.
Murphy Neil Financial Group Inc. is one of Newfoundland and Labrador’s fastest growing employee benefit consultant firms. It delivers comprehensive, personalized financial planning services for your company, your employees and your family.
To build financial security plans, we use a proven process based on the four cornerstones of financial security – financial security at death, at retirement, liquidity and disability and critical illness.
Insurance is part of the foundation of a complete financial security plan. It helps protect you and your family in the event of death, a disability or critical illness. While you're still living, some life insurance policies can build tax-advantaged cash value which can be drawn upon1 to help you achieve goals, such as buying a house or retiring comfortably.
Based on your specific needs and goals, investments can play a key role in your financial security plan and your ability to achieve your short- and long-term goals. We have access to a wide range of savings and income products – both registered and non-registered savings, income, and pension plans for individuals; as well as registered and non-registered savings and pension plans for employee groups.
If you need effective benefit solutions for your business, we can provide access to customized group benefits plans, including life insurance and disability insurance, as well as health, dental and visioncare insurance. We also have access to innovative products and services, such as benefit plans for foreign workers.
If you have a business, group retirement and savings plans can play a key role in helping you attract and retain quality employees. We have access to a wide variety of group retirement and savings plans.
Phone: 709-237-4122
Fax: 709-237-5125
Toll Free: 1-877-888-4125
Email: hmurphy@murphyneil.ca
Howard Murphy began his career with Great West Life as a Gold Key advisor in 1990. He is licensed to sell life and health insurance, as well as registered to sell mutual funds through Quadrus Investment Services Limited. He also holds a Brokerage license through PPI Solutions. A graduate of Memorial University with a Bachelor of Commerce (Co-op) degree, Howard has since earned financial services designation of Chartered Life Underwriter (CLU®) , Chartered Financial Consultant (CH.F.C), and Registered Retirement Consultant (RRC®).
Howard is a co-founder of Murphy Neil Financial Group (2005) and MNW Financial Services (2011). He is currently a member of Advocis, Canadian Institute of Financial Planners and a life and qualifying member of the Million Dollar Round Table (MDRT). He is also an active member of CALU – Conference for Advanced Life Underwriting. A past member of the Agents Advisors Council with Great West Life, he recently served in an advisory capacity for Great West Life - Wealth Insurance Solutions Enterprises (WISE).
His affiliation with Canada’s top insurers and investment companies allows him to build strong relationships with his clients by offering unique financial, tax and wealth and estate planning solutions.
Howard is involved in various community activities and fund raising for many local charities and sports throughout the province.
When not working he enjoys outdoor activities and playing music.
Phone: 709-237-4122
Fax: 709-237-5125
Toll Free: 1-877-888-4125
Email: sneil@murphyneil.ca
Scott Neil started his career as a financial security advisor in 1994. As a co-founding member of Murphy Neil Financial Group Inc. (2005) and MNW Financial Services (2011), he feels obligated to pursue the highest level of financial education possible, so he can provide several levels of expertise to help ensure all possible solutions can be explored. To this end, he has earned the financial industry’s Registered Health Underwriter (RHU) designation. As an active member of Advocis, the Financial Advisors Association of Canada, he has served on the board of directors as the educational chair for three years. He is presently completing his Certified Financial Planner designation.
Phone: 709-944-5554
Fax: 709-944-3463
Toll Free: 1-877-888-4125
Email: traceywest@murphyneil.ca
Planning today. Investing wisely. Retiring with confidence.
Tracey West is a Certified Financial Planner (CFP®), Chartered Life Underwriter (CLU®), and Registered Retirement Consultant (RRC®) with nearly 22 years of experience in the financial services industry. Licensed as an advisor since 2004, she provides comprehensive, planning-focused financial advice to individuals, families, and business owners across Newfoundland and Labrador, with her practice rooted in Labrador.
Tracey’s work is grounded in a financial planning approach that integrates cash flow management, risk and insurance planning, investment strategy, retirement planning, tax considerations, and estate planning. Her goal is to help clients make informed decisions within the context of a structured financial plan that supports long-term financial sustainability and clarity around their goals.
She works closely with individuals and families at all life stages, helping them build financial strategies that support retirement readiness, wealth accumulation, and financial protection. Tracey also has a strong focus on supporting business owners and their organizations. Her work with businesses includes designing group benefits and group retirement programs for employees, as well as advising business owners on personal and corporate financial planning, risk management, succession planning, and tax-efficient strategies such as corporately owned life insurance.
Tracey is an Investment Representative with Quadrus Investment Services Ltd., working with a range of investment solutions while focusing on cost efficiency, diversification, and long-term suitability within a client’s overall financial plan. Planning strategies are supported by professional financial planning software to help illustrate long-term outcomes and assist clients in making informed decisions.
Based in Labrador West, Tracey operates a fully functioning advisory office and serves clients both in person and virtually throughout Newfoundland and Labrador. Her practice is supported by a dedicated team including Sarah, Operations Manager and Client Relations; Katherine, Customer Service and Reception; and her son Kyle, who is currently training to become an advisor as part of a structured long-term continuity and succession plan.
Tracey works with a diverse client base including individuals, families, business owners, people living with disabilities, members of the LGBTQ+ community, Indigenous peoples and communities, and new Canadians. She is known for her approachable style and commitment to building long-term relationships through thoughtful financial planning and professional guidance.
Deeply connected to Labrador and its communities, Tracey believes strongly in service, leadership, and community engagement. She is the recipient of the King Charles III Coronation Medal in recognition of her service to her community. Tracey currently serves as Chair of the Community Business Development Bank(CBDC) Labrador and has volunteered in various capacities with organizations throughout her community and region.
Her professional approach reflects the values that guide her life: prioritizing family, supporting community, and helping clients develop financial strategies that allow them to move forward with greater confidence and clarity.
Phone: 709-237-4122
Fax: 709-237-5125
Email: amurphy@murphyneil.ca
Allison obtained her Life (Including Accident and Sickness) Insurance Representative Licence and Mutual Fund Licence for Newfoundland and Labrador and joined the team in 2024 as an advisor. She obtained her Business Management (Marketing) diploma through the College of the North Atlantic in 2023 while graduating with honours and receiving a President’s Medal of Excellence.
Allison enjoys meeting and getting to know people, while most importantly helping them achieve their financial objectives by working together to determine what best fits their needs. She is excited to continue expanding her knowledge within the financial industry and is looking forward to building long-term relationships with her clients.
Allison is always happy to connect and uncover new opportunities to help her clients achieve their goals and financial security.
In addition, Allison has a Textiles: Craft & Apparel Design diploma and enjoys making clothing as a hobby.
Phone: 709-689-0050
Email: pfcmalone@gmail.com
Paul has over 26 years of experience in insurance and financial services. His previous work on the management team of a home support company allowed him to smoothly transition to a specialty in disability income protection and critical illness insurance. As a financial security advisor, Paul has formed strong client relationships and fostered strategic partnerships with a number of national insurance companies. Paul is licensed for life and health insurance in the province of Newfoundland and Labrador, in addition to earning his Registered Health Underwriter (RHU) designation.
Phone: 709-237-4122
Fax: 709-237-5125
Toll Free: 1-877-888-4125
Email: jking@murphyneil.ca
Judy joined our team as Office Manager in 2005. She plays an important role by ensuring that everything gets completed on time and with accuracy. Prior to this, she held various leadership positions in administration and operations with Great-West Life for 15 years. She brought with her a solid knowledge of insurance and investment processing.
Judy has a diploma in Accounting and Business Administration. Over the years, she has worked hard in obtaining various industry designations including Fellow Life Management Institute (FLMI), Associate, Customer Service (ACS), and Associate, Insurance Agency Administration (AIAA).
In her spare time, Judy enjoys walking, reading, cooking and gardening.
Phone: 709-944-5554
Fax: 709-944-3463
Toll Free: 1-877-888-4125
Email: shoben@murphyneil.ca
Sarah Hoben works alongside Tracey West in the Labrador office. After receiving her Office Administration certificate in 2005, Sarah worked at a local law firm as a bookkeeper and Office Administrator. Then took time to enjoy her family and be a stay at home mom raising her two boys. Sarah is back to work since January 2018.
She enjoys working in the financial industry. It gives her a great feeling to see clients happy, knowing they have security in their financial futures. She also intends to pursue studies to receive accreditation as a professional Executive Assistant in Insurance and Investments.
Phone: 709-237-4122
Fax: 709-237-5125
Email: smoyles@murphyneil.ca
Samantha became a part of our St. John’s office in 2022. She holds a diploma in Executive Office Administration and brings over 11 years of experience as an administrative assistant. She enjoys the financial industry and takes pride in providing valuable administrative support to both our team and clients.
Outside of work, she enjoys quality time with her family and getting lost in a good book.
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Suite 203 - 27 Austin Street
St. John's, Newfoundland
A1B 4C3 CA
Office :709-237-4125
Toll Free: 1-877-888-4125
Fax: 709-237-5125
43 Tamarack Drive, PO Box 52
Labrador City, NL, A2V 2K3
Office: 709-944-5554
Toll Free: 1-855-778-4123
Fax: 709-944-3463
Suite 203 - 27 Austin Street, St. John's, Newfoundland and Labrador A1B 4C3
The information on this website is intended for residents of Newfoundland only.
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Insurance products, including segregated fund policies are offered through Murphy Neil Financial Group Inc., and Investment Representatives Howard Murphy, Scott Neill, Tracey West, Allison Murphy, Paul Malone offer mutual funds and referral arrangements through Quadrus Investment Services Ltd.
Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. used with permission.
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