# Ryan Graves

> Ryan Graves is a fee-only financial advisor at Bemiston Asset Management in Webster Groves, Missouri, who holds the CFP and CFA credentials. Ryan charges a percentage of assets and a one-time planning fee (one-time plans from $3,000 and 1% a year on the first tier of assets managed) and focuses on student loans.

Page: https://find.wellspent.co/advisors/ryan-graves/
Built from public directory listings; last checked October 28, 2026.

## Facts

- **Firm:** Bemiston Asset Management
- **Based in:** Webster Groves, Missouri
- **Fee model:** Percentage of assets; One-time planning fee
- **Fees (firm's website):** one-time plans from $3,000; 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $5.0M across 17 accounts
- **Credentials:** CFP, CFA
- **Specialties:** Student loans
- **Works with:** Early-career professionals
- **CRD:** 6833217 (https://adviserinfo.sec.gov/individual/summary/6833217)
- **SEC registration:** Investment adviser representative in MO
- **Exams passed:** Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://bemiston.com

## Frequently asked questions

### Is Ryan Graves a fee-only financial advisor?

Yes. Ryan Graves is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ryan's firm.

### How does Ryan Graves charge for financial advice?

Ryan Graves charges a percentage of assets and a one-time planning fee.

### How much does Ryan Graves charge?

According to Bemiston Asset Management's website, checked October 28, 2026: one-time plans from $3,000; 1% a year on the first tier of assets managed.

### Does Ryan Graves work with clients virtually?

Yes. Bemiston Asset Management says on its website that it works with clients remotely.

### Where is Ryan Graves based?

Ryan Graves is based in Webster Groves, Missouri.

### What does Ryan Graves specialize in?

Ryan Graves's specialties include student loans. Ryan works with early-career professionals.

### What credentials does Ryan Graves hold?

Ryan Graves holds the CFP and CFA credentials.

### Is Ryan Graves registered with the SEC?

Yes. Ryan Graves is registered as an investment adviser representative in MO (CRD 6833217), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Bemiston Asset Management manage?

Bemiston Asset Management reports $5.0M across 17 accounts in assets under management.

### How do I contact Ryan Graves?

Through Ryan Graves's website, bemiston.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/ryan-graves-10262): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://bemiston.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.