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Matthew Gray Matthew Gray, CFP®

Originally from Charlotte, NC, I attended college at Wingate University where I graduated with a bachelor’s degree in Finance in 2019. During my time as a student, I learned the value of genuine service working at Chick-fil-A and honed my Coaching skills tutoring high school debaters.

After graduating, I attained my Series 7 and 66 registrations, currently held by LPL Financial, along with the Virginia Life & Health Insurance license. In 2022, I was named a CERTIFIED FINANCIAL PLANNER™ professional. It is my conviction that I am called to serve those around me with the utmost honor and respect. This is why I believe in having a positive impact on everyone I meet while striving to go the extra mile.

I moved to the Shenandoah Valley after meeting my beautiful wife and best friend, McKenzie. We are blessed to have our son, Spencer, with us and two children in heaven, Hope and Camden. My favorite hobbies include disc golf, basketball and reading. I am an avid football fan, Love the Carolina Hurricanes, and appreciate great food.

Recent Content

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S2 E12: Biblically-Based Investing With Josh Hanna &Raquo; R0F1013Svxhm1Ffwz2Trcshdb2Xu
S2 E12: Biblically-Based Investing with Josh Hanna

Matthew Gray interviews Josh Hanna, of Inspire Investing, about faith-based, biblically responsible investing. Josh explains his shift from broad index funds after discovering exposure to abortion and…

Matthew Gray intervi…

Matthew Gray interviews Josh Hanna, of Inspire Investing, about faith-based, biblically responsible investing. Josh explains his shift from broad index funds after discovering exposure to abortion and pornography, and describes stewardship as owning part of a business and profiting from its activities. Inspire uses a proprietary Inspire Impact Score with eight negative screens—abortion, pornography, exploitation, LGBT activism, cannabis, alcohol, tobacco, and gambling—with a no-tolerance exclusion approach, plus a positive scoring system that rewards best-in-class ethical practices. He al…

Listen · 33:31
S2 E11: Teaching Your Kids About Money With Rebecca Irey &Raquo; Ofwps86Fwlk8N2Hfi40Eq9Df967C
S2 E11: Teaching Your Kids About Money with Rebecca Irey

Matthew Gray interviews Rebecca Irey, founder and CEO of Blue Sky Financial and a mother of seven, about raising financially independent kids through practical, hands-on experiences. Rebecca shares ea…

Matthew Gray intervi…

Matthew Gray interviews Rebecca Irey, founder and CEO of Blue Sky Financial and a mother of seven, about raising financially independent kids through practical, hands-on experiences. Rebecca shares early lessons like having her daughter earn Money for a “My Size Barbie,” using savings interest as incentive, and teaching budgeting by assigning kids responsibility for planning and buying groceries to cook for the Family. They discuss why many adults lack basic financial skills due to limited schooling and busy households. Rebecca emphasizes making money tangible with envelope systems and te…

Listen · 48:14
S2 E10: Money Matters In Marriage With Carine &Amp; Joe Keenan &Raquo; M1X6H25Qdw7H3Ehkvb0Tmds672Mi
S2 E10: Money Matters in Marriage with Carine & Joe Keenan

Host Matthew Gray welcomes Carine Keenan, a Marriage and family therapist, and Joe Keenan, a CFP and CPA, to discuss why money commonly fuels conflict in busy marriages and how couples can turn disagr…

Host Matthew Gray we…

Host Matthew Gray welcomes Carine Keenan, a marriage and family therapist, and Joe Keenan, a CFP and CPA, to discuss why money commonly fuels conflict in busy marriages and how couples can turn disagreements into Growth. They explain that money issues often connect to safety and Security, with saver–spender differences frequently rooted in childhood “money classroom” experiences and personal values like status or future security. Communication breaks down through avoidance, poor timing, and Stress (HALTS: hungry, angry, lonely, tired, stressed), which amplifies Anxiety. Tools include bu…

Listen · 54:21
S2 E9: Money Talk For Couples With Sarah Carr &Raquo; 10Zwnunr9Ytdu3Nv5Qiy9Si4Kcbp
S2 E9: Money Talk for Couples with Sarah Carr

Matthew Gray hosts an episode of the Financially Fit Couple with guest Sarah Carr, a CFP® and certified financial therapist, to discuss how couples communicate about money. Sarah explains financial t…

Matthew Gray hosts a…

Matthew Gray hosts an episode of the Financially Fit Couple with guest Sarah Carr, a CFP® and certified financial therapist, to discuss how couples communicate about money. Sarah explains financial Therapy as the convergence of financial planning and Mental Health, clarifying she is not a licensed mental health clinician and does not diagnose or create treatment plans, but helps identify emotional barriers that block follow-through on financial plans. They explore why money is a top source of conflict, how it can represent many different piece of our identity, and how subconscious “money s…

Listen · 54:18
S2 E8: Selling Your Home With Rick Williams &Raquo; Lvfsllfc09Vzewhk9Mgxlvot09Jf
S2 E8: Selling Your Home with Rick Williams

Matthew Gray hosts and welcomes repeat guest Rick Williams, a licensed Virginia realtor with Kline May Realty, to explain the home-selling process. Rick emphasizes that selling is more than listing an…

Matthew Gray hosts a…

Matthew Gray hosts and welcomes repeat guest Rick Williams, a licensed Virginia realtor with Kline May Realty, to explain the home-selling process. Rick emphasizes that selling is more than listing and waiting, and outlines common seller mistakes such as doing major renovations without advice, waiting for “perfect timing,” and leaning on friends instead of professionals. He describes how he prices homes using comparative market analysis with AI tools plus manual MLS review and broker input, and why pricing too high or too low can deter buyers. They discuss preparing a home, listing steps,…

Listen · 46:29
S2 E7: Becoming A Business Owner With Michael Sharp &Raquo; J0Bttnmumifup8W971Tit9Nmlqsp
S2 E7: Becoming a Business Owner with Michael Sharp

Matthew Gray interviews attorney Michael Sharp about the risks and process of leaving stable Employment to start a business while married with young children. Sharp, owner of Sharp Litigation, PLC in …

Matthew Gray intervi…

Matthew Gray interviews attorney Michael Sharp about the risks and process of leaving stable employment to start a business while married with young children. Sharp, owner of Sharp Litigation, PLC in Harrisonburg, Virginia, describes moving from associate to partner and managing partner at a larger firm, then realizing partnership has a different vision of ownership, values, teamwork, and strategic business focus he expected. After clarifying essentials such as connected teamwork, a narrowed civil-litigation focus, and a supportive culture, he planned the transition with his wife—including …

Listen · 40:45
S2 E6: How To Make Good Financial Decisions With Jeff Hulett &Raquo; Cq8Ad62Q5E74Rrf87Ghz4Dowejpa
S2 E6: How to Make Good Financial Decisions with Jeff Hulett

Host Matthew Gray, welcomes personal finance professor and behavioral economist Jeff Hulett to discuss why people struggle to make good financial decisions even when they know what they should do. Jef…

Host Matthew Gray, w…

Host Matthew Gray, welcomes personal finance professor and behavioral economist Jeff Hulett to discuss why people struggle to make good financial decisions even when they know what they should do. Jeff contrasts objective business decision-making with common consumer behavior and explains three drivers of poor decisions: human neurobiology, short-term thinking, and an American “buy now, pay later” commercial culture. He describes “choice architecture” as a structured, repeatable decision process supported by Technology that helps people define and weight their personal criteria, consi…

Listen · 1:01:39
S2 E5: Aligning Investments With Your Values Featuring Jordan Tucker &Raquo; Uhoku425Y8A3Ukrf3T3Osnlzz2Ax
S2 E5: Aligning Investments with Your Values featuring Jordan Tucker

In this episode of the Financially Fit Couple, host Matthew Gray, a certified financial planner, is joined by Jordan Tucker from Impax Asset Management to discuss ethically screened investing. The con…

In this episode of t…

In this episode of the Financially Fit Couple, host Matthew Gray, a certified financial planner, is joined by Jordan Tucker from Impax Asset Management to discuss ethically screened investing. The conversation covers the history, principles, and current practices of sustainable investing, emphasizing how investors can align their investments with their values without sacrificing performance. Jordan explains the rigorous screening process used by Impax, the importance of ongoing due diligence, and how they engage with companies to drive positive change. The episode also addresses common miscon…

Listen · 44:42
S2 E4: Financial Coaching Vs Planning With Lindsey Scott &Raquo; Ordddn6T13Qph1Bim0Ngd3Dytnr4
S2 E4: Financial Coaching vs Planning with Lindsey Scott

In this episode of the Financially Fit Couple podcast, host and certified financial planner Matthew Gray welcomes financial coach Lindsey Scott to discuss the practical and emotional aspects of financ…

In this episode of t…

In this episode of the Financially Fit Couple podcast, host and certified financial planner Matthew Gray welcomes financial coach Lindsey Scott to discuss the practical and emotional aspects of financial coaching and planning. The conversation explores their different yet complementary roles, with Lindsey emphasizing the importance of understanding personal finance basics and building good habits, while Matthew discusses the more technical side of financial planning. They dive into the process of working with clients, defining success, and finding the right financial support. Key topics includ…

Listen · 36:10
S2 E3: Embracing Career Changes With The Stevens &Raquo; G6Fzdfv9Aniq0Aalnh7Uto2Ke7Tn
S2 E3: Embracing Career Changes with The Stevens

In this episode of the Financially Fit Couple podcast, host Matthew Gray interviews John and Alexis Stevens, a married couple from Harrisonburg, Virginia, who share their unique career journeys and th…

In this episode of t…

In this episode of the Financially Fit Couple podcast, host Matthew Gray interviews John and Alexis Stevens, a married couple from Harrisonburg, Virginia, who share their unique career journeys and the financial implications of making significant career changes. John recounts his transition from a high school math teacher to a meteorologist and then to an IT trainer, while Alexis discusses her stable career as a university professor. They explore the challenges and rewards of pursuing one's dream job, the importance of family values in career decisions, and the financial strategies that …

Listen · 1:00:20
S2 E2: Navigating Student Loans With Mackenzie Ellis &Raquo; Zh1Xv5Pvg33Yr8Cxdvndpd0Dmbxk
S2 E2: Navigating Student Loans with Mackenzie Ellis

In this episode of the Financially Fit Couple podcast, host Matthew Gray, a certified financial planner, speaks with Mackensie Ellis from Grad Fin about financing Education through student loans. The …

In this episode of t…

In this episode of the Financially Fit Couple podcast, host Matthew Gray, a certified financial planner, speaks with Mackensie Ellis from Grad Fin about financing education through student loans. The discussion covers key points such as the difference between federal and private student loans, the application process, and various repayment and forgiveness options. The episode also delves into upcoming changes to student loan programs, refinancing strategies, and how Grad Fin provides free consultation services to help borrowers navigate these complex topics. The conversation aims to empower l…

Listen · 54:41
S2 E1: What You Need To Know For Home &Amp; Auto Insurance &Raquo; 15God68Nn32Avvnk2Xqtx1Xfebzz
S2 E1: What You Need to Know For Home & Auto Insurance

In this episode of the Financially Fit Couple podcast, host Matthew Gray welcomes Teri Janes from LD&B Insurance to discuss essential insurance policies for married couples. They delve into the intric…

In this episode of t…

In this episode of the Financially Fit Couple podcast, host Matthew Gray welcomes Teri Janes from LD&B Insurance to discuss essential insurance policies for married couples. They delve into the intricacies of home and auto insurance, including dwelling coverage, personal property, liability, comprehensive, and collision coverages. Teri explains various endorsements like guaranteed replacement cost, water coverage, and the importance of reviewing policies during life events. The conversation also explores umbrella insurance, detailing its benefits and real-life scenarios where it becomes cruci…

Listen · 38:08