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Matthew Gray

Advisor at Nectarine

Updated today
Nectarine logo

Firm

Nectarine

Location

Mercer Island, WA

Credentials

CFP®, Series 63, Series 65

Industry experience

11 years

About

Matthew Gray is a CFP® with 11 years of experience in the financial services industry. He is currently an advisor at Nectarine and has previously worked at Pure Financial Advisors, AnthroFi LLC, Personal Capital, Janiczek Wealth Management, and Oppenheimer Funds. Nectarine serves individual clients, including both non-high-net-worth and high-net-worth households, by offering consultative financial planning through a selection of advisory personnel accessible via its website. The firm emphasizes long-term asset allocation using low-cost, index-based ETFs and mutual funds, providing planning services on an hourly, fixed, or recurring fee basis without managing client investment portfolios.

Client services

Based on Nectarine

Financial planning Selection of other advisers

Expertise

Based on Nectarine

General retirement planning Income planning Life insurance needs analysis Cash flow / budgeting

Fee options

Fixed

Plan Services flat fee generally less than $10,000; Ongoing Financial Planning Services flat fee generally ranges from $100 to $3,000 per quarter

Project-based

Generally less than $500 per one hour session

Subscriptions

Ongoing Financial Planning Services charged quarterly in advance, flat fee generally ranges from $100 to $3,000 per quarter

Other

Fee-only: Hourly rate generally less than $500 per one hour session; Flat fee generally less than $10,000 for an 8-week Plan Services engagement; Flat fee generally ranges from $100 to $3,000 per quarter for Ongoing Financial Planning Services

Location

Mercer Island, WA

Most active in

Texas · Washington

Work history

Nectarine

2026 - Present (1 year)

Pure Financial Advisors, LLC

2023 - 2025 (2 years)

AnthroFi LLC

2021 - 2022 (1 year)

Personal Capital

2018 - 2021 (3 years)

Janiczek Wealth Management

2016 - 2018 (2 years)

Oppenheimer Funds, Inc.

2015 - 2016 (1 year)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Gelly L

Series 63, Series 65, Series 7

Seattle, WA

AllianceBernstein L.P.

Beyond the numbers, my work is about stewardship. I’ll be here for the moments that change everything. With Bernstein's experts alongside me, we’ll simplify decisions and create a plan that manages what you’ve built and evolves with your life. My time with the Seattle Seahawks organization left me with a simple standard that still guides how I show up: “Always Compete.” For me, that means treating a client’s goals like they’re my own—preparing relentlessly, getting the details right, anticipating issues early and following through until the job is done. I joined Bernstein because I wanted to serve clients from a place where excellence is the baseline and where the work is as human as it is analytical. I’m wired to ask, “Is this the optimal move?” Bernstein’s depth of thinking, team-based approach and commitment to long-term relationships aligned with how I naturally serve—consistently thoughtful, tenacious, and deeply client‑centric. I’m also drawn to roles where you’re trusted to represent something bigger than yourself, whether it’s community-facing work with the Seahawks or now as an advisor. That responsibility keeps me grounded; it’s about earning trust, protecting what clients have built and helping them make confident decisions at the moments that matter most. Some of my earliest perspective on resilience and resourcefulness came from my family’s roots in the Philippines. Growing up, I heard stories of making do with very little, even hand‑pumping water from a ground well in my parents’ village just to cook or bathe. That upbringing didn’t just teach gratitude, it also emphasized responsibility. It shaped my values early: don’t take opportunities for granted, do what you say you’ll do, and use success to take care of people. Having built a company myself, I understand the pressure experienced by entrepreneurs, who are constantly weighing risks, trade-offs and responsibilities. That background helps me empathize with business owners, executives and families who balance opportunity with complexity. And I know how freeing it is to move forward with clarity from a set of optimal decisions, especially for founders, athletes and entertainers contemplating a “second act.”

Wealth management Cross-border & expatriate issues Real estate investing General retirement planning Concentrated stock management Financial Professional FIRE (Financial Independence Retire Early) Established Professionals Approaching retirement Female Executives Women Business Owners
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Huihwan Y

Series 63, Series 65

Kirkland, WA

Waterhill Capital, LLC

Active portfolio management Concentrated stock management
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Steven K

CFA®, Series 63

Seattle, WA

Informed Investors Group

ESG / Sustainable investing Active portfolio management Tax-loss harvesting
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Shamus M

CFA®

Seattle, WA

Red Haven Advisors, LLC

Options & derivatives strategies Tax-loss harvesting Cash flow / budgeting General tax planning
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Ronald C

CFA®

Kirkland, WA

Lakeside Financial Inc.

Options & derivatives strategies Concentrated stock management Private / alternative investments Executive Founder/Business Owner
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William C

Series 63, Series 66

Seattle, WA

Puget Sound Capital Services LLC

Income planning Government Employee
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