Francisco Hernando is a financial advisor with Ameriprise in Miami, FL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 1992. Outside of advisory work, he is involved in business ownership through Hernando & Horvath, LLC, and serves as president of FJ Hernando Inc., which is used for his own tax planning. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial 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 companies.

Ferencz Horvath is a CFP® professional with 25 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2007 to 2020. Outside of his advisory role, he is involved in group health insurance through Horvath & Associates, Inc. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports delivered by a centralized consulting team.

Caeli William is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has worked with Ameriprise and Ameriprise Financial Services, Inc. since 1997. Outside of her advisory role, she owns a two-unit apartment building in St. Thomas, U.S. Virgin Islands. Ameriprise is a large institutional firm that offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide structured, non-discretionary recommendations.

Frank Del Busto is a financial advisor with Ameriprise in Doral, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at LPL Financial, LLC for 10 years before joining Ameriprise in 2025. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations primarily for clients who hold assets in Ameriprise-managed accounts. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Brandon Arana is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has prior experience at Equitable Advisors, LLC. Before entering the financial advisory field, he worked in education with Miami-Dade County Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focusing on retirement planning through written recommendations and ongoing advice, utilizing proprietary research and algorithmic tools.

Mark Marandino is a financial advisor with Ameriprise in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1994. Marandino serves on the executive board of Friends of Brandeis Athletics. Ameriprise provides retirement-income planning services for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Ralph Lichaa is a CFA® charterholder and holds a Series 66 license with nine years of industry experience. He is currently with Ameriprise and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, and Santander Securities among others. Outside of his advisory role, he provides tax planning services as a consultant and serves as an expert witness in forensic accounting cases. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Maria Fernandez is a financial advisor with Ameriprise in Miami, FL, holding a Series 66 designation and three years of industry experience. She has been with Ameriprise since 2018 and previously worked at the University of Miami and Rick Case Volkswagen. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver tailored, non-discretionary retirement recommendations.

Alec William is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2020. Outside of his advisory role, Alec is involved in music production, creating and releasing music on streaming platforms. Ameriprise is a large institutional firm that offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm provides a comprehensive approach combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations through a centralized consulting team.

Miguel Horvath Jr. is a financial advisor with Ameriprise in Palmetto Bay, FL, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he serves on the Board of Directors for the FIU College of Business Alumni Board and the Master of Science in Finance advisory board, and has ownership interests in office management service businesses. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Samantha Maysonet is a financial advisor at Ameriprise with seven years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2017. Prior to her financial services career, she was involved with Himmarshee Public House and Florida International University. Outside of her advisory role, she is co-owner of The Horvath Group, providing office management services, and serves on the board of directors for BNI-Pinecrest Visionaries. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. Its notable retirement-income planning service utilizes research, modeling, and tax-efficiency analysis to provide tailored, written recommendations primarily for clients with substantial investable assets.