Tony Winter is a CFP®, ChFC®, and Series 63-licensed financial advisor with 31 years of industry experience. He has been with Ameriprise since 2024 and previously worked for 25 years at Hantz Financial Services, Inc. Winter is based in Midland, MI. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations, primarily for clients with assets managed within Ameriprise.

Chelsea Kroll is a financial advisor at Ameriprise with CFP®, ChFC®, and Series 66 designations and 16 years of industry experience. She previously worked for Hantz Financial Services for 14 years before joining Ameriprise in 2024. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service providing written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.