Lance Mackall is a financial advisor with Ameriprise in Bakersfield, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at Wells Fargo Advisors before joining Ameriprise in 2019. Mackall is a managing partner of two non-investment-related business entities. Ameriprise provides a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver non-discretionary, point-in-time recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Ricardo Yanez is a financial advisor with Ameriprise in Bakersfield, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Ameriprise since 2019 and previously spent seven years at Wells Fargo Advisors. Outside of his advisory role, he is involved as a managing partner in LR & Associates, Inc. and owns a business named YM & Associates LLC. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Rick Scott is a Certified Financial Planner (CFP®) with 40 years of industry experience. He is currently an advisor at Ameriprise, having joined in 2023, and previously worked at Wells Fargo Clearing and WELLS FARGO Advisors from 2013 to 2023. Outside of his advisory role, he manages his own business, Rick L. Scott, LLC, which is not investment-related. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations in partnership with its advisors.

Bobby Stewart is a financial advisor at Ameriprise in Bakersfield, CA, holding a Series 66 designation. He has one year of experience in the financial industry, joining Ameriprise in 2025 after working at WholeFoods and San Joaquin Refining. Stewart’s background also includes roles in education at Cal Poly San Luis Obispo, Independence High School, and Lakeside Elementary. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides a written Recommendation Report and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Arvizu is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 licenses. He has 15 years of industry experience, including 13 years at J.P. Morgan Securities prior to joining Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides tailored retirement income planning through written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.