Michael Graham is a financial advisor with Raymond James & Associates in St. Louis, MO, holding a Series 66 designation and 10 years of industry experience. His prior experience includes roles at Wells Fargo Clearing Services, Stifel Nicolaus & Co Inc, Edward Jones, and he is currently an independent contractor with TravelPlex, where he assists clients with travel arrangements outside of business hours. He also has experience as a part-time driver for Uber and Lyft. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services with a variety of portfolio management styles and affiliated research resources.

Janet Bone is a CFP® with 40 years of industry experience currently at Raymond James & Associates. She previously worked for Benjamin F Edwards & Co for 13 years before joining Raymond James. Based in St. Louis, MO, she holds a Series 63 license. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Richard Garrett is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, where he worked for a combined 15 years before joining his current firm. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and municipal entities—and offers services such as financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.