Personalized advice from a dedicated financial advisor.
We get to know you and your family, your financial situation and what matters most to you.
The best time to talk to a Merrill Advisor? Yesterday.
For over 100 years and through countless market turns, we’ve seen it all. With world class insights, cutting-edge technology and a personalized plan, we can help you get to the other side. Don't just ride it out. Ride with the bull. Ride with Merrill.
The best time to talk to a Merrill Advisor? Yesterday.
For over 100 years and through countless market turns, we’ve seen it all. With world class insights, cutting-edge technology and a personalized plan, we can help you get to the other side. Don't just ride it out. Ride with the bull. Ride with Merrill.
The Gray Group
Wealth ManagementLearn 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.
The Gray Group
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.
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.
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.
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
Business Retirement Plan Strategies
Webinar
May 3rd, 2022
Today's employers and employees alike face unprecedented challenges. Remarkably, employees remain focused on their financial goals.
As Merrill Designated Advisors, The Gray Group welcomes business owners and plan sponsors to our Webinar, and hear how we address 4 key areas for retirement plans: Cost, Design, Investments, & Services.
You'll learn how our straightforward Benchmark Review Process can help assess if your plan needs a tune-up.
Register 24 hours in advance to join the WebEx sessions for May 3rd 2022:
Session 1: 8:00am - 8:30am CST. Click HERE to register.
Session 2: 5:00pm - 5:30pm CST. Click HERE to register.
For additional support, 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.
Business Retirement Plan Strategies
Webinar
May 10th, 2022
Today's employers and employees alike face unprecedented challenges. Remarkably, employees remain focused on their financial goals.
As Merrill Designated Advisors, The Gray Group welcomes business owners and plan sponsors to our Webinar, and hear how we address 4 key areas for retirement plans: Cost, Design, Investments, & Services.
You'll learn how our straightforward Benchmark Review Process can help assess if your plan needs a tune-up.
Register 24 hours in advance to join the WebEx sessions for May 10th 2022:
Session 3: 8:00am - 8:15am CST. Click HERE to register.
Session 4: 5:00pm - 5:15pm CST. Click HERE to register.
For additional support, 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.
Taking Control of Your Retirement
Webinar
March 10th, 2022
You've work hard to save for the retirement you've always envisioned. Transitioning to retirement can be one of the most life-altering financial turning points we experience. The Gray Group at Merrill can help navigate the challenges therein, as well as provide potential solutions to support your goals.
Our webinar, Taking Control of your Retirement, gives attendees a better understanding of:
- Common retirement risks, and ways to best manage them; like longevity, withdrawal timing, and inflation
- How to identify your retirement goals, and more importantly, prioritize them based on what matters most
- Techniques for building a portfolio aligned to your priorities - by leveraging a range of potential solutions
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
Create a plan that is all about you.
Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.
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.
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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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