Jane was born in 1848 in Aberystwyth, Wales GB, the first child of David Morgan and Jane James. As an infant, she immigrated to the United States with her parents.
In 1873 she married Thomas Roger Richards and together they had six children who survived to adulthood: Mary, Elizabeth "Lizzie", David, Arthur, Amelia, and Anne "Annie".
Jane passed away in 1909 and was buried in the Richards gravesite at Tabernacle Cemetery, Wales, Wisconsin visited by David Richards.
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