Comprehensive financial planning
Turn today’s finances and tomorrow’s goals into an actionable, measurable plan built around your real life.
Cash flowEmployee benefitsTax planningEducationMajor purchases
Fee-only advice · St. Louis + nationwide
Your money should support your life.
Financial planning and investment management for mid-career millennials who want to make smart decisions—without making money their full-time job.
Independent fiduciaryCFA® + CFP® professional
100% fee-only
Always a fiduciary
CFA® charterholder
CFP® professional
The good kind of clarity
You’ve built momentum. Now make it mean something.
The decisions get bigger as your life gets fuller. Bemiston connects the pieces—cash flow, investing, taxes, benefits, family goals—so you can move forward with confidence.
- 01Am I saving enough without putting life on hold?
- 02Are my investments actually aligned with my goals?
- 03What should I prioritize next?
How Bemiston helps
One thoughtful plan for your whole financial life.
Advice is most useful when the moving pieces work together—not in separate spreadsheets and forgotten tabs.
Evidence-based investment management
Delegate the day-to-day decisions to a qualified professional, with a portfolio designed around your goals, risk, and values.
Portfolio designRisk alignmentRebalancingTax efficiencyCoordination
Who we work with
Built for the messy middle.
Most clients are early-to-mid career professionals with several hundred thousand dollars to invest—and more complexity than time.
- You want to enjoy life now while planning seriously for later.
- You’re ready to delegate the details, not the decisions that matter.
- You value real-world outcomes over trying to “beat the market.”
- You want one trusted partner through career, family, and life transitions.
The process
Not a sales call.
Start with a real conversation. If it feels like a mutual fit, we organize the details, build the plan, and keep it moving.
Explore the full process →- 01
Talk about what’s on your mind
A complimentary 45-minute conversation about your goals, questions, and what working together could look like.
- 02
Get the full picture organized
Gather the information, clarify priorities, and identify the decisions with the biggest impact.
- 03
Build and put the plan to work
Create clear recommendations, implement them together, and adjust as your life evolves.
St. Louis local. Finance nerd. Taco enthusiast.
Meet your advisor
Ryan Graves,
CFA, CFP®
Ryan founded Bemiston to give investors a better experience: detailed advice, honest communication, and a plan that makes sense outside the finance world.
His background spans institutional investment managers, consultants, and financial advisory firms. Today, he works directly with millennial professionals and families in St. Louis and across the country.
Fee-Only NetworkXY Planning NetworkNAPFA associate member
More about Ryan Transparent pricing
No commissions. No mystery.
You should know how your advisor gets paid before you ever sit down together.
Financial planningFrom $3,000
Scaled to the complexity of your plan and the work involved.
Investment management1% annually
Billed on managed assets. Financial planning fees are usually waived for managed asset accounts.
Fresh thinking
Money, minus the hot takes.
Your Target Date Fund Has a Blind Spot. It’s Costing You.
Why the simplest retirement option may be overlooking a meaningful part of your financial picture.
Trump Accounts: What Parents Actually Need to Know
A clear-eyed look at how the new child savings accounts compare with the alternatives.
Are We in an AI Bubble?
What history can teach investors about booms, buildouts, and staying disciplined.
Good questions
Straight answers.
No fine print gymnastics. Here are a few things people ask before we talk.
View every FAQ →Are you a fiduciary?
Yes. Ryan does not receive commissions or kickbacks for the advice or investments he provides and is obligated to put clients’ interests first.
Do you only work with clients in St. Louis?
No. Bemiston is based in St. Louis and works virtually with clients across the country.
Where is my money held?
Your assets are held with an independent custodian. Bemiston can manage investments within your accounts but cannot write checks from them.
Your first step
Bring the question you keep putting off.
The first meeting is complimentary, low-pressure, and built to help both sides decide whether it’s a good fit.
Schedule a 45-minute intro