Passing along financial guidance to those you love doesn't have to come in the form
of a family meeting. As his daughter and son were about to embark on careers as a violist and cellist,
opted to write them a letter to share some of the financial wisdom he has gained as a wealth advisor. He provides them with four money lessons, explains the 20/50/30 rule, and draws the line between needs and wants. Gray also shares this message with his children: "Just as our performance improves when we become more aware of our full selves, so does our relationship with money. With the right mindset, we can develop habits that make for better financial outcomes and sustainable artistic careers."