With Merrill, the bull always has your back

With Merrill, the bull always has your back

At Merrill, we believe the future is bullish, even in the most unpredictable of markets, because we’ve been here before.
To help you navigate the uncertainty and charge forward toward your goals, we invite you to check out our latest investment insights.

Learn more 

With Merrill, the bull always has your back

With Merrill, the bull always has your back

At Merrill, we believe the future is bullish, even in the most unpredictable of markets, because we’ve been here before.
To help you navigate the uncertainty and charge forward toward your goals, we invite you to check out our latest investment insights.

Learn more 

Merrill Lynch

The Gray Group

Wealth Management

Learn more about an advisor's background on
FINRA's BrokerCheck

Merrill Lynch
Wealth Management

As a team of Merrill Lynch Wealth Management financial advisors, we offer investment advice and guidance by understanding your life’s goals, risk tolerance, time horizon and liquidity needs.
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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 review 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. 

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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.

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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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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.

  • 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, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

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

Joseph McCullough

Wealth Strategist

Merrill

Stephanie J Powell

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #558876

Julie Mcgilberry

Wealth Management Banking Specialist

Merrill

Past Events

Flexibility in a Changing Market Landscape

WebEx

October 20th, 2022|4:00 PM - 4:45 PM CST

The Gray Group at Merrill is here to help you make thoughtful decisions in this rapidly changing market and interest rate landscape. Join us, alongside our partners at AB Global, where we'll share our resources and knowledge on today's environment; including appropriate solutions that can be strategically deployed to help achieve your financial goals.  

Attendees will also hear from AB Global on how the AB Tax Aware Fixed Income SMA could provide flexibility in your overall portfolio. 

When: Thursday October 20th, 2022 at 4pm CST

If you were unable to attend, please contact Michael Cohan at 618.233.2363 or m_cohan@ml.com.


Merrill, its affiliates, and financial advisors do not provide legal nor tax advice. You should consult your legal and/or tax advisor before making any financial decisions

    Business Retirement Plan Strategies

    WebEx

    November 1st, 2022

    Today's employers and employees alike face unprecedented challenges. Remarkably, both groups remain focused on their financial goals. 

    As Merrill Retirement Accredited Financial Advisors, we welcome business owners and plan sponsors to hear how we address 4 key areas for retirement plans: Cost, Design, Investments, & Services.

    You'll learn how to participate in our straightforward Benchmark Review Process, that can help assess if your plan needs a tune-up. 

    If you were unable to attend, please contact Michael Cohan at 618.233.2363 or m_cohan@ml.com

    For Plan Sponsor use only. Merrill is providing only general information and/or materials regarding qualified retirement plans, and is not providing investment advice nor recommendations. All qualified retirement plan investment decisions are to be made by the Plan Sponsor. 

      Staying on Track

      We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



      Reviews to help you
      stay on track

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



        Changes in your life
        and to your goals

        Your life and goals change. As these changes occur, we can update your approach to reflect them.

        #DigitalMerrill

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

        Your advisor is a click away within our site or mobile apps

        You can 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’s asset aggregation tool

          Let’s Have a Conversation

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

          Why Merrill?

          As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and 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 Wealth Management Advisor.



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          Transcript of Video 

          No question too big or moment too small

          For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

          Personalized advice from a dedicated financial advisor.

          We get to know you and your family, your financial situation and what matters most to you.

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

          Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

          Adjusting your investment approach as your life and the markets change.

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