From the Advisor

Stephen Gray

Stephen Gray, CLU, ChFC
Financial Advisor

Payton Gray

Payton Gray
Financial Advisor

As LPL financial advisors with Wheatland Wealth Management, we help simplify the complexity in our clients' financial lives. At the heart of our philosophy is a passion to build lasting relationships with individuals, families and small businesses through our commitment to placing your needs first and foremost. We take the time to listen and get to know you. We will review your individual financial situation, your goals, time-frame, risk tolerance and your preferences before creating a customized wealth management strategy that is aligned with your short and long term objectives. 

Our mission is to help each client plan for a financial future in a way that best meets their goals. When working with us, you can expect the same Honest, Integrity, Knowledge, & Enthusiasm (H.I.K.E.) that has guided us our entire professional careers. You can look forward to personalized service as well as the support and resources of a world class financial institution. 

We look forward to extending our services to you and your family. Together, we can discuss financial services and strategies designed to fit your individual situation. Our services and strategies include:

  • Social Security claiming strategies

  • Retirement planning - IRA, ROTH, 401k

  • Retirement income planning

  • Investment planning and advice

  • Estate planning strategies

  • Insurance - Life and Long Term Care

  • Business continuation strategies

  • Small business strategies

  • Risk management

  • Tax strategies

  • Gifting strategies


About Steve

Steve joined Wheatland Wealth Management at the beginning of 2021.  Steve has been in the financial services industry here in Spokane for over 30 years.  He graduated from Washington State University (Go Cougs!) with a degree in Business Administration with an emphasis in Finance and Accounting.  He lives here in the Spokane area (Silver Lake) with his wife, Kathi and their dog Charlie. They enjoy fishing together and spending as much time as possible with their 3 kids, their spouses and grandchildren.  


About Payton

Payton also joined Wheatland Wealth Management at the beginning of 2021. Payton has been working in the financial services industry, since he graduated from Grand Canyon University in 2017 (Go Lopes!). Payton graduated Summa Cum Laude from the Colangelo College with a bachelor of Science in Finance and Economics. Payton enjoys spending his time with his wife, Ashley and their son Maverick.  Payton brings a fresh perspective on the direction of the industry as well as the evolving services that advisors of the future will provide to their clients.

Check the background of investment professionals associates with this site on FINRA's BrokerCheck.


Products: Stocks, bonds, mutual funds, exhange traded funds (ETF), market-inked CDs, structured notes, life insurance, long term care insurance, key employment insurance, unit investment trusts (UIT), fixed annuities, variable annuities, multi-year guaranteed annuities, education savings plans (529). 



Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates.  Wheatland Bank and Wheatland Weatlah Management are not registered as a broker-dealer or investment advisor.  Registered representatives of LPL offer produces and services using Wheatland Wealth Management, and may also be employees of Wheatland Bank.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Wheatland Bank or Wheatland Weatlth Management.  Securities and insurance offered through LPL or its affilitiates are:      

Not Insured by FDIC or Any

Other Government Agency

Not Bank


Not Bank Deposits

or Obligations

Not Bank Deposits

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states:  Washington, Idaho, Montana and Arizona.