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The Gray Group

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Outlook 2022:  Dawn of a breakout era?
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Outlook 2022:  Dawn of a breakout era?
Outlook 2022: Dawn of a breakout era?

Experts discuss what’s in store for the markets and economy – and ways to prepare.

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Merrill Lynch

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 guidance 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.

Joseph McCullough

Joseph McCullough

Trust Specialist

Bank of America, N.A.

Stephanie J Powell

Stephanie J Powell

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #558876

Julie Mcgilberry

Julie Mcgilberry

Wealth Management Banking Specialist

Merrill

Past Events

Healthcare Costs & Your Financial Life

On-Demand Webinar

October 7th, 2021|1:00 PM - 1:40 PM CST

Join The Gray Group for the latest Merrill Perspectives webcast series, "Big Changes in healthcare - will they change your financial life?".

Watch experts discuss how the pandemic, innovation, and policy are reshaping healthcare...and why it's essential to factor healthcare costs into your retirement and legacy plan. They'll address topics like:

  • How do I plan for rising healthcare costs
  • What do I need to know about Medicare and long-term care insurance
  • How will investments be impacted
This On-demand Merrill webcast will be hosted by Lorna Sabbia, Head of Retirement & Personal Wealth Solutions, and will feature Dr. Laura Carstensen, a leading expert on aging and emerging healthcare trends, and founding director of the Stanford Center on Longevity. Accompanying Merrill Panelists include Joe Curtin, Head of CIO Portfolio Management and Amanda Lasher-Ross, Managing Director, Retirement & Personal Wealth Solutions. 

Please contact us for additional information!

    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 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.