The Gray Group

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The Gray Group

Wealth Management

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As a team of Merrill Lynch financial advisors, our investment advice and strategies are guided by understanding your life’s goals, risk tolerance, time horizon and liquidity needs. When you succeed, we succeed.

The Gray Group

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Welcome

Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you’d like it to be tomorrow. We then help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals without unnecessary investment risk. Our wealth management approach is about using wealth to help turn goals into reality. When you succeed, we succeed.

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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 business people 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.

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Commitment to Clients

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 seeks to deliver 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.

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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.

  • Our team understands the importance of client assets — they are the achievement of what clients have done today, and the foundation for what clients desire to accomplish tomorrow.Woody Gray

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Linwood N. (Woody) Gray

Linwood N. (Woody) Gray

Senior Resident Director

618.233.6387
Roy E. Gray

Roy E. Gray

Wealth Management Advisor

618.233.6003
Michael W Cohan

Michael W Cohan

Financial Advisor

618.233.2363
Tim Warner

Tim Warner

Financial Advisor

618.233.6012
Brandon Voss

Brandon Voss

Financial Advisor

618.233.2893
Chris Bagwell

Chris Bagwell

Financial Advisor

618.233.6019
Kent  Kobernus

Kent Kobernus

Financial Advisor

618.628.8598
Cari Symonds

Cari Symonds

Analyst - Relationship Mgt

618.233.6552
Deborah R.L. Hermerding

Deborah R.L. Hermerding

Registered RD Assistant

618.233.6553
Laura Netemeyer

Laura Netemeyer

Registered Client Associate

618.233.6551
Kasi M Burroughs

Kasi M Burroughs

Client Associate

618.233.3109

Additional Resources

The following specialists do not make securities recommendations. Please contact your Financial Advisor if you have questions about how a specialist might be able to assist you.

Casey Shain

Casey Shain

Wealth Management Banking Specialist

Mary V Erker

Mary V Erker

Wealth Management Lending Officer NMLS # 559079

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • Manage account security with our customizable security capabilities such as touch id, one time passcode, and other security features
  • Access to your complete financial life is available with My Financial Picture, Merrill Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.