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, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at PNC Investments LLC and JPMorgan Chase Bank, N.A. He also acts as a servicing advisor for Osborneklein clients through an affiliated LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering a specialized retirement income service that emphasizes dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.