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Tune out the noise: Wealth planning for the year ahead
Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.
Merrill Lynch
Wealth Management
Understanding your life priorities is an important part of how I work with the clients I serve. It’s not just about markets and returns, it’s about what matters most to you. I welcome the opportunity to show you how we can work together to create a financial approach designed around you, your goals and your aspirations.
Profile
David Gray began his career at Merrill in February of 2015. Prior to coming on board with Merrill he was in the United States military for 8 years. He was deployed in 2012 and then since retired in 2016. His diversified experience allows him to help clients with a wide range of financial needs including: asset management, insurance, estate planning services, financing options, retirement planning, and more.
David uses a client-focused approach combined with a disciplined investment process. He takes the time to understand clients, who you are, and what matters to you personally and professionally. David follows a holistic approach that enables individuals, families, and small businesses to truly understand their entire financial picture and not just one piece. David partners with a team of planning experts and gives you access to Merrill's top specialists for the best strategies and outstanding service.
David is a Northern Kentucky native that was raised with 8 other siblings and went to Covington Catholic High School. He attended the University of Kentucky where he played rugby and graduated from Northern Kentucky University with two majors. David enjoys spending time with his wife Julie and their two sons, Nolan & Brooks (with a third on the way), family, golfing, and traveling. He loves helping the community and was one of 13 recipients in 2019 to receive a $50,000 grant in a global/company wide essay/application to give to a charity of his choice. He has been a part of many non-profits, but was able to donate that grant to The Barracks Project who has a mission of helping veterans reintegrate back into society with a place to stay, food, clothing, and hopefully a job.
Our advisors and Wealth Management Client Associates are actively involved in the communities they serve. They devote significant time, energy and resources to help create positive change in the areas in which they live and work. Our team is enthusiastically involved with assisting charitable organizations such as 1 Heart 2 Souls, The Barracks Project, Yellow Ribbon, Whiskey and Wishes, St. Pius X to name a few. .
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EDUCATION
University of Kentucky
Covington Catholic High School
Northern Kentucky University
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.
Professional Staff
Supported by the global resources of Merrill, my 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.
Don Livio
Investment Solutions Group Portfolio Strategist
Bank of America, N.A.
Zona Mohsin
Wealth Management Banking Specialist
Merrill
Robert Hinnant
Alternative Investments Regional Specialist
Bank of America, N.A.
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
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Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool
Let’s Have a Conversation
We believe there is no substitute for having a relationship with a team of Merrill Lynch Wealth Management Advisors committed to your needs, who can leverage the investment insights of Merrill and offer access to the banking convenience of Bank of America to help clients navigate the financial and economic landscapes. Let’s work together to help you pursue 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.
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.
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.
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