Financial Planning Built Around Your Chapter
Meet Matthew Grelck, CFP®
ABOUT US
Matthew founded Gray Colt Financial Planning with a simple belief: everyone deserves access to honest, conflict-free financial advice.
As a CERTIFIED FINANCIAL PLANNER™ practitioner and state-registered investment advisor in Florida and Illinois, Matthew is legally and ethically required to put your interests first. That means no commissions, no hidden fees, and no products pushed for someone else's benefit.
Based in St. Petersburg, FL, Matthew works with clients across the Tampa Bay area in person.
Clients outside Florida or Illinois are welcome — additional state registrations can be added as needed.
CFP® Certified - State-registered RIA - St. Petersburg, FL
Who We Serve
Three life moments.
One trusted advisor.
Great financial advice looks different depending on where you are in life. We've built our practice around three audiences who each have distinct needs — and distinct blind spots we help you avoid.
Young professionals
You're earning well but money feels chaotic. We help you get intentional fast — before years of compounding slip by.
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Cash flow & spending plan
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401(k) & Roth strategy
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Student loan & debt payoff
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Emergency fund & insurance
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First investment portfolio
Inheritors
An inheritance is an opportunity — and a responsibility. We help you honor it without making costly, rushed decisions.
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Inherited IRA & RMD planning
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Lump-sum investment strategy
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Tax-efficient asset allocation
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Trust & estate coordination
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Charitable giving strategies
Retirees & pre-retirees
Your goal shifts from accumulation to sustainable income. We build a plan so your money outlasts you — not the other way around.
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Retirement income modeling
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Social Security optimization
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Medicare & healthcare planning
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Roth conversion ladders
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Estate & legacy planning
Services
What we do for you
Comprehensive planning that goes beyond picking investments — we look at your whole financial picture.
Financial planning
A living plan that evolves with your goals — budgeting, debt, savings targets, and major life milestones mapped out clearly.
Investment management
Custom portfolios built around your risk tolerance and time horizon. We manage it actively so you don't have to.
Retirement planning
From projecting your retirement date to structuring withdrawals — we make sure the numbers work for the life you want.
Estate coordination
We work alongside your attorney and CPA to make sure your estate plan, beneficiaries, and titling are all aligned.
Risk management
Insurance audit, life coverage analysis, and protection strategies — so a single event can't derail your entire plan.
Financial literacy
On-demand seminars and ongoing education so you always understand the reasoning behind every recommendation we make.