Jay Howard is a financial advisor with Ameriprise Financial Services and holds Series 63 and Series 65 credentials. He has 17 years of industry experience, with prior roles at Edward Jones, Merrill, Fifth Third Bank, and J.P. Morgan Securities. Outside of his advisory work, he serves as a Trusted Advisor for Vistage Michigan, advising CEOs and business leaders without compensation. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing, tax-aware advice tailored to clients approaching or in retirement.

Tyler Schram is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Ameriprise in 2025, he worked at PNC Investments LLC, JP Morgan Securities LLC, and JPMorgan Chase Bank, N.A. He also manages an advisory business through OKL LLC, serving clients independently. 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 written recommendations and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.