Gray Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,571,454
Clients
15
33% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
15
TypicalAverage account size
$371,430
About
The firm provides financial planning, investment consultation, and investment supervisory services to individuals, estates, trusts, and small businesses. It is a single‑advisor independent registered investment adviser with a small client base and approximately $5.6 million in assets under management.
The firm generally operates on a non‑discretionary basis, meaning clients retain final approval of trade execution rather than delegating discretionary authority, and investment supervisory engagements are performed with prior client authorization. Its investment approach applies Modern Portfolio Theory principles and a long‑term, buy‑and‑hold orientation using index mutual funds, ETFs, and occasional individual securities with periodic rebalancing.
Distinctive features include the firm’s primary reliance on non‑discretionary AUM—a relatively uncommon model among peers—and the principal’s professional credentials and technical background coupled with disclosed outside business activities (short‑term rental properties and an IT/networking consulting entity). The firm also offers educational workshops, operates on a fee‑only basis while typically recommending no‑load or low‑load investments, and coordinates with clients’ other advisors when requested.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees generally ranging from $2,000 to $5,000, based on complexity of engagement.
$0 - $1,000,000: 1.00% or 100 Basis Points $1,000,001 - $3,000,000: 0.75% or 75 Basis Points $3,000,001+: 0.50% or 50 Basis Points
$195 per hour
Fee-only: Fee-only services with no commissions or trailer fees received.
Main office location
Gray Financial Planning LLC
208 E Louisiana Street, Suite 319
Mckinney TX 75069, United States
Number of offices
1
Most active in
Gray Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
Arkansas · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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