Kristen Millard joined Raymond James in 2003. She has 13 years of industry experience concentrated in financings utilizing the USDA Rural Development programs and in general municipal government finance for both individual issuers and statewide lending programs. Kristen also manages a pooled lending program for the Kentucky Rural Water Association, and has served as financial advisor on more than 50 transactions for more than 180 cities and water districts through the Kentucky Rural Water Finance Corporation program. Prior to joining Raymond James, Kristen was employed by Kirkpatrick Pettis.
She graduated from the University of Kentucky in May 1998 with a Bachelor of Business Administration in finance and marketing. Kristen and her husband, Eric, have one daughter, Elise.