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Andrew Gray | Financial Advisor

Profile img for Andrew Gray, financial advisor at Gray Wealth Strategies
Bend, OR
Andrew Gray
Financial Advisor
Gray Wealth Strategies

Verified Identity

Important Disclosures

Allow Me to Introduce Myself
I've found that clients come to me with a series of specific challenges that they'd like help with as they approach retirement and living in retirement. These challenges center around how to best: replace their employment income from the assets they've saved, minimize taxes paid now and in retirement, protect against the risks of the future (i.e. inflation, market downturns, unplanned health issues, assets taken from them unjustly, longevity, etc.) as well as how to avoid common mistakes that can be very costly over the course of their lifetime. There are dozens of important financial decisions you face that can easily feel confusing and overwhelming. This is where I can help you. I launched Gray Wealth Strategies to bring highly personal, truly objective, evidence-based advice to your key financial decisions. This is what we should expect as we make critical financial choices. Regrettably, however, a vast majority of the financial services industry does not operate under such a standard where the advice/products being recommended truly align with your best interests. In fact, you may have even experienced a few of those advisors yourself. I aim to change that experience for you. I operate under a fiduciary standard. This means that I am legally bound to provide objective advice in your best interests with zero product sales or commissions as your flat-fee only CERTIFIED FINANCIAL PLANNERª. My flat-fee only structure is unique in the industry. We offer clients two flat-fee only options: 1) a one-time retirement plan which is intended for DIY investors who want to get a second opinion and validate their decisions and 2) a full-service wealth management relationship. As part of our full-service relationship, we focus on leveraging your retirement roadmap (i.e. initial financial plan) and using it to inform, customize, and optimize your investments, taxes, and estate planning needs. Clients who are familiar with the standard asset under management (AUM) fee structure (i.e. being charged a percentage of your assets) will appreciate these flexible, flat-fee only offerings, and I personally think it's a great way to objectively help pre-retirees and retirees. I absolutely love the work I do and I am proud of the value I bring to my client's key financial decisions. That said, my #1 pride is my family: my wife, Jessica, and our three children (Waverly, Everton, and Zealand). We split time between the outdoor wonderland of the Pacific Northwest where we mountain bike, ski, camp, and raise our littles, and the great city of Austin, TX where family resides and Lake Austin calls for fun family time. That's my why: being the best advisor I can be to my clients and living the best life possible with my family and friends. What's your why? And how can I best help you live it with the resources you have? Please reach out and I look forward to getting to know you.
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Specialties and Expertise

6
Philanthropic Planning and Giving
High Net Worth Planning
Tax Minimization Investment Strategies
Retirement Income
Portfolio Construction
Ultra High Net Worth Planning

Clientele

6
Retirees
Corporate Executives
Surviving Spouses
Divorcees
High Net Worth Individuals
Business Owners

Credentials and Designations

2
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Chartered Retirement Plan Counselor®

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Certified Financial Planner™

Education

1
Indiana University BloomingtonBusiness DegreeYear Obtained: 2001
Quick Facts About Andrew
Years of Experience:17 yearsMember since:2022

Services Provided

How I help my clients

Tax Planning

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Estate Planning Strategies

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Financial Planning

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Retirement Planning

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Pricing Models

Flat Fee

Proof of License

SEC Profile
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Bend, OR
Andrew Gray
Financial Advisor
Gray Wealth Strategies
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Profile last updated: 02-08-2025