Jacob A. Gray, Owner

---

Jacob grew up in the suburbs of Pittsburgh, Pennsylvania. He received his Bachelor of Business Administration degree from the University of Kentucky with a double major in Finance and Marketing through the Gatton School of Business and Economics. Jacob’s passion for assisting people with financial planning stems from working over the years with his father, Julian Gray, a nationally recognized Elder Law and Disability Planning Attorney. Jacob noticed early on that many estate planning clients had a financial plan that only focused on investment returns, not all the other things in life that can affect a person or family. In particular, the two issues that stuck with him were that people rarely plan ahead for the devastating costs of nursing home care, nor do they plan to reduce the tax exposure on their Individual Retirement Accounts. Through this exposure to real life problems at an early age, Jacob has already created planning techniques to address both of these issues for his clients. These significant financial exposures, if left unchecked, can lead to a substantial loss of a lifetime of accumulation of wealth.