# Andrew Gray > Andrew Gray is a fee-only financial advisor at Gray Wealth Strategies in Bend, Oregon, who holds the CFP and CRPC credentials. Andrew charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee (ongoing planning from $20,000 a year and one-time plans from $8,000) and focuses on flat-fee planning, retirement planning and tax planning. Page: https://find.wellspent.co/advisors/andrew-gray/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Gray Wealth Strategies - **Based in:** Bend, Oregon - **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee - **Fees (firm's website):** ongoing planning from $20,000 a year; one-time plans from $8,000 - **Works virtually:** Yes (firm's website) - **Accepting new clients:** Yes (firm's website) - **Assets under management (firm):** $91.0M across 152 accounts - **Credentials:** CFP, CRPC - **Specialties:** Flat-fee planning, Retirement planning, Tax planning, Estate & legacy planning - **Works with:** Pre-retirees, Retirees - **CRD:** 5246929 (https://adviserinfo.sec.gov/individual/summary/5246929) - **SEC registration:** Investment adviser representative in CA, OR, TX - **Exams passed:** Series 66 (2007) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** https://graywealthstrategies.com ## Frequently asked questions ### Is Andrew Gray a fee-only financial advisor? Yes. Andrew Gray is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Andrew's firm. ### How does Andrew charge for financial advice? Andrew charges a flat fee or retainer, an ongoing planning fee and a one-time planning fee. ### How much does Andrew charge? According to Gray Wealth Strategies's website, checked October 28, 2026: ongoing planning from $20,000 a year; one-time plans from $8,000. ### Does Andrew work with clients virtually? Yes. Gray Wealth Strategies says on its website that it works with clients remotely. ### Where is Andrew Gray based? Andrew Gray is based in Bend, Oregon. ### What does Andrew specialize in? Andrew's specialties include flat-fee planning, retirement planning, tax planning and estate & legacy planning. Andrew works with pre-retirees and retirees. ### What credentials does Andrew Gray hold? Andrew Gray holds the CFP and CRPC credentials. ### Is Andrew Gray registered with the SEC? Yes. Andrew Gray is registered as an investment adviser representative in CA, OR and TX (CRD 5246929), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How much does Gray Wealth Strategies manage? Gray Wealth Strategies reports $91.0M across 152 accounts in assets under management. ### How do I contact Andrew Gray? Through Andrew's website, graywealthstrategies.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/48156): NAPFA admits only fee-only advisors - XY Planning Network directory listing: XYPN members are fee-only - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://graywealthstrategies.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.