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Michael Christian Gray

Advisor at Creative Financial Designs, Inc. — Cookeville, TN

Updated today

Credentials

CFP®, Series 66

Experience

3 years

Location

Cookeville, TN 38501

Creative Financial Designs, Inc. logo

Creative Financial Designs, Inc.

Multi-team

Total advisors

162

Across 81 offices

Clients per advisor

65 Typical

Avg AUM per client

$275,989 Very Low

HNW client ratio

4% Very Low

About

Michael Gray is a CFP® and Series 66-registered financial advisor with three years of industry experience. He is currently with Creative Financial Designs, Inc. and previously worked at several firms including Fidelity Financial Strategies and Lion Street Financial. Gray serves as Board President of the Hope Springs Clinic, a nonprofit providing mental health care services in his community. Creative Financial Designs serves individual, corporate, and institutional clients, offering discretionary and non-discretionary investment management alongside financial planning and consulting. The firm employs model-based asset allocations across varied risk profiles and supports Biblically Responsible Investing strategies.

Client services

Based on Creative Financial Designs, Inc.

Financial planning Portfolio management Pension consulting Newsletters or periodicals Educational seminars or workshops

Expertise

Based on Creative Financial Designs, Inc.

ESG / Sustainable investing Options & derivatives strategies

Demographic focus

Based on Creative Financial Designs, Inc.

Religious/faith focused

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Fee options

Percentage

$0+: Starting at 0.50% annually up to 2.00% annually for Brokerage Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Self-Directed Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Variable Annuity Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Non-Discretionary Advisory Services

Project-based

Hourly fee up to $350 per hour, negotiable

Subscriptions

Retainer fees from $25 per month up to $3,500 per month, negotiable

Other

Account minimum: $7,000 Minimum fee: Custodial fee charged by cfd Investments for accounts at NFS: $8 monthly minimum fee Fee-only: Advisory fees negotiated between 0.50% and 2.00% annually depending on service and platform

Location

See office

Cookeville, TN

228 E Broad St, Suite 100

Cookeville TN 38501

Advisors at this office

3

Most active in

Tennessee

Work history

3 years of industry experience

cfd Investments, Inc.

2026 - Present • 1 year

Kokomo, IN

Creative Financial Designs, Inc

2026 - Present • 1 year

Kokomo, IN

Integrity Alliance, LLC

2025 - 2026 • 1 year

Cookeville, TN

Csenge Advisory Group, LLC

2024 - 2026 • 2 years

Clearwater, FL

Lion Street Financial, LLC

2023 - 2026 • 3 years

Cookeville, TN

Fidelis Financial Strategies

2022 - 2026 • 4 years

Cookeville, TN

HCL America

2021 - 2022 • 1 year

Cookeville, TN

Tennessee Tech University

2020 - 2021 • 1 year

Cookeville, TN

Satellite Med

2018 - 2020 • 2 years

Cookeville, TN

Highlands Dermatology and Surgical Associates

2017 - 2022 • 5 years

Cookeville, TN

Firehouse Subs

2015 - 2017 • 2 years

Cookeville, TN

Disclosures

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

Business activities & affiliations

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Dominic E

Series 65

Cookeville, TN

RidgeBrooke Capital Management LLC

Dominic Emord is a financial advisor at RidgeBrooke Capital Management LLC with Series 65 credentials and two years of industry experience. Prior to joining RidgeBrooke, he worked at Oculus Imaging and has been involved with Passio Language Academy since 2020. RidgeBrooke Capital Management LLC provides discretionary asset management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm employs a range of investment analyses and both long- and short-term approaches, with a notable focus on fee-based management of fixed indexed annuities.

Annuities Retirement income strategy Wealth management Tax-loss harvesting General estate planning guidance
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Caleb R

Series 65

Cookeville, TN

Cravens & Company Wealth Management

Caleb Rouse is a financial advisor at Cravens & Company Wealth Management in Cookeville, TN. He holds a Series 65 designation and has been with the firm since 2023. Prior to joining Cravens & Company, he has experience working in retail at Lowe's and has held roles in landscaping and education. Cravens & Company Wealth Management serves high-net-worth families, executives, healthcare and legal professionals, and retirees, offering a range of services including private client, family office, fixed-income, and business consulting. The firm emphasizes a holistic, multi-generational planning approach combined with discretionary investment management and Qualified Plan Fiduciary Services.

Wealth management Business exit / sale strategy Retirement income strategy General estate planning guidance Cash flow / budgeting Executive Doctor or Medical Professional Attorney Retired Established Professionals Retired
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Travis G

Series 66

Cookville, TN

Compass Advisory Partners LLC

Travis Giffey is a financial advisor with Compass Advisory Partners LLC, holding a Series 66 designation and over 20 years of industry experience. He has worked at firms including FSC Securities Corporation and Lion Street Financial, and has been with Compass Advisory Partners since 2012. Outside of his advisory role, he owns and operates agricultural businesses focused on cattle farming. Compass Advisory Partners provides financial planning and consulting services to individuals, corporations, charitable organizations, trusts, and estates. The firm offers written financial plans and consultations without discretionary portfolio management, focusing on retirement, cash flow, insurance, estate, and business succession planning through an hourly fee model.

Business succession planning
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Richard H

Series 63, Series 65

Cookeville, TN

RidgeBrooke Capital Management LLC

Richard Hofmann Warner is a financial advisor at RidgeBrooke Capital Management LLC with one year of industry experience. He holds Series 63 and Series 65 licenses and previously worked at NYLIFE Securities LLC and New York Life. Outside of advisory roles, he is involved with Auxilia Training LLC. RidgeBrooke Capital Management LLC provides discretionary asset management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm employs a range of investment analyses and strategies tailored to client goals, and is noted for its integration of fixed indexed annuity management alongside traditional portfolio services.

Annuities Retirement income strategy Wealth management Tax-loss harvesting General estate planning guidance
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David S

CFP®, Series 66

Cookeville, TN

Compass Advisory Partners LLC

David Stites is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Compass Advisory Partners LLC. He has held advisory roles at Integrity Alliance, Csenge Advisory Group, and Lion Street Financial, among others. Stites is also involved with Fidelis Financial Strategies, where he sells life, health, and annuity contracts as part of the financial planning process. Compass Advisory Partners provides financial planning and consulting services to individuals, corporations, charitable organizations, trusts, and estates. The firm focuses on delivering written financial plans and consultations without discretionary portfolio management, emphasizing client implementation through custodians of their choice.

Business succession planning
user avatar

Wayne C

Series 63

Cookeville, TN

Cravens & Company Wealth Management

Wayne Cravens is a financial advisor at Cravens & Company Wealth Management with 38 years of industry experience. He holds a Series 63 designation and has worked at firms including Osaic Wealth, Inc., Progressive Savings Bank, and FSC Securities Corporation. Outside of advisory work, he is involved in managing a grocery-anchored retail development through his role with 10th Street Capital Partners, LLC. Cravens & Company Wealth Management serves individuals, high-net-worth families, executives, healthcare and legal professionals, retirees, and business entities. The firm offers discretionary investment management, private client and family office programs, and fiduciary services, utilizing a collaborative multi-generational approach that integrates financial, tax, and estate planning with portfolio management.

Wealth management Business exit / sale strategy Retirement income strategy General estate planning guidance Cash flow / budgeting Executive Doctor or Medical Professional Attorney Retired Established Professionals Retired
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