Financial Planning and Investment Management for Millennials

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Financial Planning

A financial plan is more than a budget; it connects your current circumstances to your goals, achieving freedom beyond constraints. 

Investment Management

A qualified professional will help you filter out the noise and apply a science-based investment management process that works for you.

A picture of Ryan Graves, CFA, the founder of Bemiston Asset Management. Bemiston Asset Management is a fee-only financial planning and investment management firm located in St. Louis, MO.

Ryan Graves, CFA

Ryan is the founder of Bemiston Asset Management, a financial planning and investment management firm. Ryan gained invaluable experience working for large institutional investors, investment consultants, and financial advisors in St. Louis, Missouri. With that experience, Ryan delivers detailed, customized, and unbiased financial advice to his clients, providing them with better financial planning and investing outcomes.

He works with clients ranging from mid-career professionals to millennial families. Clients choose Ryan for his transparent fee structure and goal-oriented plan design. Even though he is a financial advisor in St. Louis, Missouri, Ryan uses various methods to meet and engage with clients all over the country.

My Typical Client

The typical client I work with is an early-to-mid career professional with several hundred thousand dollars of investable assets seeking to make more of their opportunities.

Wanting to delegate responsibility and balance enjoying the now while planning for the future

Looking for a partner to help them through all of life’s challenges and transitions

Values achieving tangible investment outcomes as opposed to “beating the market”

Financial Planning

We craft your custom financial plan over several strategy meetings using engaging software, detailed analysis, in-depth discussions, and tailored reports.

I offer a complimentary meeting where we get to know each other as you share your goals.

Before the meeting, I ask that you provide details about your financial life and what you want to achieve.

After that, I can show you how we can work together to achieve your goals. 

Investment Management

Asset Management is for clients who want to delegate investment decisions in addition to a financial plan. 

We work together to determine your investment objectives, risk tolerance, and socially responsible investment themes. 

We meet regularly to discuss your investments, progress, and any changes to your circumstances.

As needed, I coordinate with your accountants, estate attorneys, mortgage brokers, and insurance representatives.

Fee Schedule

The financial planning fee scales with complexity to a maximum of $2,000.

The asset management fee is 1%. I usually waive financial planning fees with managed asset accounts.

Schedule Time With Me


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