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The Gray Group

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The Gray Group

Wealth Management

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Merrill Lynch
Wealth Management

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

The Gray Group

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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.

Stephanie J Powell

Stephanie J Powell

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #558876

Upcoming Events

The New Normal*

Webinar - Session 3

July 6th, 2020|4:00 PM - 5:00 PM CST

At Merrill, we're here to help make thoughtful decisions about your investments, especially during these challenging times. For timely insights, join any one of our webinars on The New Normal. Attendees will learn how you and your investments can weather uncertain times and prepare for the future. We will:

  • Share our take on how COVID-19 is impacting the markets and potentially your finances
  • Discuss our Chief Investment Office's outlook for the economy
  • Offer some practical ideas & guidance to a disciplined strategy, to best prepare for whatever the future brings

Registration is required; contact us for assistance or more information.


CLICK HERE  to register for your "virtual" attendance on Monday July 6th 2020.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

    Market Update in The New Normal*

    Webinar - Session 4

    July 20th, 2020|4:00 PM CST

    At Merrill, we're here to help make thoughtful decisions about your investments, especially during these challenging times. For timely insights, join any one of our webinars on The New Normal. Attendees will learn how you and your investments can weather uncertain times and prepare for the future. We will:

    • Share our take on how COVID-19 is impacting the markets and potentially your finances
    • Discuss our Chief Investment Office's outlook for the economy
    • Offer some practical ideas & guidance to a disciplined strategy, to best prepare for whatever the future brings

    Registration is required: contact us for assistance or more information.


    CLICK HERE  to register for your "virtual" attendance on Monday July 20th 2020.

    *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

      Past Events

      Wealth Transfer Planning*

      Webinar

      May 12th, 2020|4:00 PM - 5:00 PM CST

      During these extraordinary times, there is no better opportunity to review your existing wealth transfer plan, or establish your strategy for the future. Attendees will receive information on:

      • Invaluable estate planning documents,
      • Scenarios where a trust should be considered, and
      • How our team can navigate you through the process.

      If you were unable to join, please contact us for more information and future event dates on this topic. 

      *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

        Healthcare Costs in Retirement*

        Webinar

        June 11th, 2020|4:00 PM - 5:00 PM CST

        Like many, you've worked hard over the years to build your wealth for a more secure future. But have you considered what effect healthcare costs could have on your savings? During this webinar, we'll discuss ways to:

        • Estimate healthcare costs in retirement, including those not covered by Medicare
        • Protect against costs from a significant health event that may require long-term care
        • Integrate your healthcare costs into your overall retirement strategy

        If you were unable to join this session, please consider upcoming date options or contact us for more information.
        *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

          The New Normal*

          Webinar - Session 2

          June 15th, 2020|4:00 PM - 5:00 PM CST

          At Merrill, we're here to help make thoughtful decisions about your investments, especially during these challenging times. For timely insights, join any one of our webinars on The New Normal. Attendees will learn how you and your investments can weather uncertain times and prepare for the future. We will:

          • Share our take on how COVID-19 is impacting the markets and potentially your finances
          • Discuss our Chief Investment Office's outlook for the economy
          • Offer some practical ideas & guidance to a disciplined strategy, to best prepare for whatever the future brings

          If you were unable to join this session, please consider an upcoming date option or contact us for more information.
          *Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

            Your Financial Approach

            We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, 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
            Taking care of your family and other people in your life
            • Trust & Estate Planning Services4
            • Education Funding1
            • Insurance3
            HEALTH
            Planning for healthcare expenses now and in the future
            • Long-term Care Insurance3
            • Health Savings Account2
            • Disability Insurance3
            HOME
            Upsizing, downsizing, remodeling or buying a vacation home
            • Home Loans2
            • Home Equity Lines of Credit2
            • Securities-Based Lending2
            • Credit Cards2
            WORK
            Working in retirement, selling or starting a business
            • Bank of America Business Banking2
            • Exchange Funds1
            • Concentrated Stock Management1
            • Succession Planning1
            LEISURE
            Spending your free time in meaningful ways
            • Credit Cards2
            • Securities-Based Lending2
            • Structured Lending2
            GIVING
            Volunteering, mentoring others and giving to charities
            • Donor-Advised Funds4
            • Private Foundations4
            • Charitable Trusts4
            FINANCE
            Using your finances to bring it all together
            • Merrill 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

            1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
            2 Banking, mortgage and home equity products offered by Bank of America, N.A.
            3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
            4 Trust and fiduciary services are provided by Bank of America Private Bank.

            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 approach, our goal is to help you stay on track to achieve what's most important to you.


            Periodic 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.


              Monitoring 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.

              Wealth Management Your Way

              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.

                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.