Stephen Gray

Stephen Gray serves as the Managing Director and senior advisor at the Hrkac Group, where his extensive experience in the industry spans over 36 years. His journey began in the insurance sector and evolved into a thriving career in financial planning. In 1994, Stephen began collaborating with John, and the merger with the Hrkac Group in 2006 marked the integration of the Financial Planning arm, which he has adeptly developed into a comprehensive and client-focused service. Stephen's passion lies in helping clients achieve their goals through expert diagnosis and strategic guidance. He has transformed the Financial Planning division into a holistic service, ensuring that advisers understand the complete financial landscape before providing tailored advice. His approach is grounded in the family-based values he shares with John, fostering a supportive and collaborative environment for both clients and team members. Residing in Geelong, Victoria, Stephen has been the Principal Financial Adviser at SGA Private Wealth Management since 1985, where he continues to provide insightful advice and build lasting client relationships. His leadership at HG Financial Services since 2011 has further cemented his position as a key figure in the financial planning community. Beyond his professional accomplishments, Stephen is a family man with four daughters and nine grandchildren. He enjoys spending time with them along with his pets, and embraces his interests, from golfing and indulging in fine wines to nurturing his family's apple orchard. With a longstanding love for playing the guitar, Stephen aspires to one day have a recording studio at home. Stephen's qualifications from Kaplan Professional underpin his ability to remain relevant and effective, making substantial contributions to the ongoing success of his clients and the evolving landscape of financial planning. His unique blend of experience and client-centric philosophy continues to drive meaningful connections and results.