PROFESSIONAL PROFILE

The Gray Group is a professional financial advisory practice at Merrill Lynch with clients in many states. We serve aviation professionals, attorneys, physicians, business owners/executives and their families and friends. We build every client a financial strategy one step at a time! Our mission is to assist clients in being organized and prepared for life's financial events. When clients enlist our services, they place their trust in us to help simplify their financial lives. We are committed to offering wealth management advice and guidance that will allow clients to navigate through life's financial hurdles.

Specifically, we:
- work with the clients' other professionals, such as an attorney, CPA or tax specialist
- help clients pursue their financial goals or help determine long-term financial goals and implement customized investment strategies
- working with the client's tax professional, we monitor the tax efficiency of the client's portfolio
- help clients focus on estate planning issues and work with their legal advisors in developing their estate plan

"Any information presented about tax considerations affecting client financial transactions or arrangements is not intended as tax advice and should not be relied upon for the purpose of avoiding any tax penalties. Neither Merrill Lynch nor its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors."

Linwood N. Gray (Woody), CRPC®, AAMS®
Vice President
Portfolio Manager
Financial Advisor

Business Experience:
2010 - Present: Merrill Lynch Wealth Managerment
2005 - 2010: Morgan Stanley Smith Barney - Financial Advisor
2001 - 2005: Edward Jones Investment Representative
1975 - 2001: United States Air Force; Retired Lieutenant Colonel

Education:
MA - Executive Development, 1988, Ball State University
BS - Business Administration and Economics, 1981,Rollins College
• Certified Special Needs Advisor, 2011
• Chartered Retirement Planning Counselor Designation, 2010
• Senior Investment Management Specialist Designation, 2008
• Guided Portfolio Manager Designation, 2007
• Financial Planning Specialist Designation, 2006
• Certificate in Financial Planning, 2004,Florida State University
• Accredited Asset Management Specialist, 2003, College for Financial Planning
• Series 7, 31, 63, 65, Life, Health, Annuity & Long Term Care

Associations:
• Cardinal Glennon Gift Planning Committee Member
• Executive Chairman Metro East Golf Classic
• Air Force Association - Life Member
• Airlift Tanker Association – Life Member
• Military Officers Association - Life Member
• AOPA EAA Member – SEL, ASES Ratings; Cessna Pilots Assn Member
• EAA - Member


Roy E. Gray, CFP®, CLU®
Assistant Vice President
Chartered Retirement Plans Specialist TM
Financial Advisor

Business Experience:
2010 - Present: Merrill Lynch Wealth Management
2005 - 2010: Morgan Stanley Smith Barney, Financial Advisor
1995 - 2005: Edward Jones, Investment Representative
1994 - 1995: Prudential Insurance Agent
1987 - 1994: Financial Planning Services Europe,Planning Specialist
1978 - 1987: United States Army, Army Intelligence/ Linguist

Education:
MS - Financial Planning, 2006, College for Financial Planning
BS - Management Studies, 1987, University of Maryland
• Certified Special Needs Advisor, 2011
• Chartered Life Underwriter®, 2008
• Chartered Financial Consultant®, 2008
• Certified Financial Planner™, 2006
• Accredited Asset Management Specialist, 2001
• Series 7, 31, 63, 65, Life, Health, Annuity & Long Term Care

Associations:
•Tournament Director - Metro East Golf Classic
•Shiloh Chamber of Commerce - Past President 2007-2008
•Mascoutah Noon Lions - Member
•Missouri Atheltic Club Member - Golf and Biking Co-Chairmen


Kathleen A. Hill, CSNA
Assistant Vice President
Certified Special Needs Advisor
Financial Advisor

Business Experience:
2009 - Present: Merrill Lynch Wealth Management, Financial Advisor
1997 - 2009: Banc of America Investment Services, Financial Advisor
1989 - 1997: Boatmans Investment Services, Financial Advisor

Education:
BS - Education, 1990, Southern Illinois University
• Certified Special Needs Advisor, 2011
• Series 7, 24, 63, Life, Health, Annuity & Long Term Care

Associations:
• Board Chair - Christian Activities Center
• Past Board Member - Violence Prevention Center
• Past Governor's Commission Member - Women Issues In Illinois
• Leadership Illinois Class of 2002


Deborah Hermerding
Senior Client Service Associate

Business Experience:
1974 - Present: Merrill Lynch, Pierce, Fenner & Smith Inc.

Deborah Hermerding is licensed in the following state(s): IL, MO.

Cari Symonds
Client Service Associate
2011 - Present: Merrill Lynch, Pierce, Fenner & Smith Inc.

To learn more about how Merrill Lynch is helping to meet the financial needs of families of children with disabilities, visit the section of TotalMerrill.com