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A Different Perspective on Wealth Management
The Gray Group built a reputation, we believe, as the "go-to" wealth management advisors in the St. Louis metro area. We advise and guide a select number of high-net-worth families and business professionals.
We understand that clients work hard to build their assets. Usually their accomplishments have contributed directly to the betterment of their country, their community and their local economy. We've found that these clients need thoughtful, highly focused advice and guidance tailored to help them preserve the wealth they've built to support their chosen lifestyle.
Significant wealth is complex and demands constant attention and appropriate strategic responses. As a team, we base our philosophy, process and commitment on dynamic strategy. Through the know-how, talent and experience of our professionals, we're capable of responding to a wide range of client situations and wealth challenges.
Our mission, first and foremost, is to understand you. To take the time to ask hard, smart questions and to listen carefully. To understand, in great detail, exactly where your wealth stands today and where you’d like it to be tomorrow. We then design, implement and help you periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without undue sacrifice to your lifestyle or unnecessary investment risk. Our wealth management approach is about using wealth to turn goals into reality. When you succeed, we succeed.
Woody Gray, AAMS®, CRPC®
Senior Vice President--Wealth Management
Resident Director--Wealth Management Advisor
Senior Portfolio Manager
Creating a Forward-Looking Vision
The Gray Group offers a broad range of capabilities designed to build and enrich your financial life. We act with clarity and candor while helping high-net-worth individuals, families and businesspeople make choices based on what's appropriate for them.
From the vantage of Merrill Lynch's open platform, we view your financial picture from a perspective of steady refinement. We look at how your assets can respond to the opportunities and challenges the market can bring. We also suggest changes today to better position your wealth for tomorrow.
The Gray Group, using the extensive investing resources of Merrill Lynch and accessing the banking convenience of Bank of America, presents clients with a level of wealth management that they deserve and should expect. We help you position your assets effectively to help meet your multiple financial priorities.
Roy Gray, CFP®, ChFC®, CLU®, CRPS®
Wealth Management Advisor
Committed to Dynamic Wealth Management
Our mission is to exceed client expectations through guidance that informs and inspires, and also through outstanding customer service that delivers what we say we'll do. Our team understands how important your assets are to you. They are the achievement of what you have done today — and the foundation for what you seek to accomplish tomorrow.
We believe you'll find that the values, ethics and commitment of our team are closely aligned with those of the people with whom we do business. We offer customized guidance tailored to you and your goals and objectives across all aspects of your financial life. Our objective is to bring you greater ease and efficiency throughout your financial life.
Focused Financial Care
We have long worked with affluent individuals and families from numerous backgrounds and professions. Additionally, because of our team's particular strengths and experience, we're adept at helping to bring clear and candid wealth management to aviation professionals, medical and dental practitioners, corporate executives and small-business owners.
We can help military and civilian pilots and aircraft owners map out a "wealth flight plan" so they'll know exactly where their money is, where it could go, and how to keep more of it working.
Medical and dental professionals can rely on us to help give their finances the kind of in-depth attention they deserve. We understand the significant financial complexities of a practice, from debt management to asset preservation — to managing for risk.
Corporate executives often have complex financial needs, and The Gray Group can help position their assets to meet multiple financial priorities — business succession, retirement, tuition or eldercare.
The Gray Group knows firsthand the challenges and responsibilities small-business owners must face every day. Our seasoned professionals — who know well the work and potential rewards of business ownership — can help guide you with insight and perspective.
All that know-how underpins our service to clients. We're adept at addressing the most sophisticated wealth management needs.
Woody Gray, AAMS®, CRPC®
Senior Vice President--Wealth Management
Resident Director--Wealth Management Advisor
Senior Portfolio Manager
Meet the Team
The Gray Group is a close-knit team with a thoughtful approach to client service. The financial advisors of The Gray Group are equally committed to helping you simplify your financial decision making by informing you about the multitude of wealth strategy choices available today. Each one of our team members possesses a set of crucial skills, and together we create a foundation of knowledge and action that is highly accessible to you.
Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select.
All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor does Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
When you purchase securities, you may pay for the securities in full, or if your account has been established as a margin account with the margin lending program, you may borrow part of the purchase price from Merrill Lynch. If you choose to borrow funds for your purchase, Merrill Lynch’s collateral for the loan will be the securities purchased, other assets in your margin account, and your assets in any other accounts at Merrill Lynch. If the securities in your margin account decline in value, so does the value of the collateral supporting your loan, and, as a result, we can take action, such as to issue a margin call and/or sell securities in any of your accounts held with us, in order to maintain the required equity in your account. If your account has a Visa® card and/or checks, you may also create a margin debit if your withdrawals (by Visa card, checks, preauthorized debits, FTS or other transfers) exceed the sum of any available free credit balances plus available money account balances (such as bank deposit balances or money market funds). Please refer to your account documents for more information.
Before opening a margin account, you should carefully review the terms governingmargin loans. For Individual Investor Accounts, these terms are contained in the Margin Lending Program Client Agreement. For all other accounts, the terms are in your account agreement and disclosures. It is important that you fully understand the risks involved in using margin. These risks including the following:
• You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to us to avoid the forced sale of those securities or other securities in your account(s).
• We can force the sale of securities in your account(s). If the equity in your account falls below the maintenance margin requirements or Merrill Lynch’s higher "house" requirements, we can sell the securities in any of your accounts held by us to cover the margin deficiency. You also will be responsible for any shortfall in the account after such as sale.
• We can sell your securities without contacting you. Some investors mistakenly believe that they must be contacted for a margin call to be valid, and that securities in their accounts cannot be liquidated to meet the call unless they are contacted first. This is not the case. We will attempt to notify you of margin calls, but we are not required to do so. Even if we have contacted you and provided a specific date by which you can meet a margin call, we can still take necessary steps to protect our financial interests, including immediately selling the securities without notice to you.
• You are not entitled to choose which securities in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, we have the right to decide which security to sell in order to protect our interests.
• We can increase our "house" maintenance margin requirements at any time and are not required to provide you advance written notice. These changes in our policy may take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause us to liquidate or sell securities in your account(s).
Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation.
AAMS® and Accredited Asset Management SpecialistSM are registered service marks of the College for Financial Planning.
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNERTM in the U.S.
CLU® and Chartered Life Underwriter® marks are the property of The American College, which reserves the sole rights to its use, and is used by permission.
CRPS® and Chartered Retirement Plans SpecialistSM
are registered service marks of the College for Financial Planning.
ChFC® and Chartered Financial Consultant® are the property of The American College, which reserves the sole rights to its use, and is used by permission.
CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
Linwood Gray is registered to do business in : AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
Roy E. Gray is registered to do business in : AL, AR, AZ, CA, CO, DC, FL, GA, ID, IL, IN, KY, MA, MD, MI, MO, NC, NE, NJ, NM, NY, OH, OK, PA, SD, TN, TX, VA, WA, WI
Tim Warner is registered to do business in : FL, IL, KY, MO
Brandon Voss is registered to do business in : CO, FL, IL, IN, MO, TN, TX
Matthew Schroeder is registered to do business in : CA, FL, IL, MO, NM, VA, WI
Privacy & Security
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Merrill Lynch is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.