Louis Frates is a financial advisor with Ameriprise in Midlothian, VA, holding Series 63 and Series 65 licenses and 13 years of industry experience. His prior roles include positions at Thompson Davis & Co., LPL Financial, Wealthcare Capital Management, and Securities America. He is also the owner of BRDG Generations, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies to develop written recommendation reports tailored to clients approaching or in retirement. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Robert Schinsky is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is a co-owner of Red Gator LLC, which manages his Ameriprise business, and he operates Spotted Hound Inc., an S corporation established for tax-efficient management of his advisor compensation. Ameriprise offers specialized retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce customized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Debra Marble is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Megastar Financial, UnitedHealthcare, and the Seattle School District. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendations delivered through a centralized consulting team.

Carter Raymond is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and three years of industry experience. Before joining Ameriprise, he worked in various roles including at Murry and Kuhn Dentistry and Lexus of Richmond, and spent 13 years with Chesterfield County Public Schools. Outside of his advisory work, Carter operates the scoreboard for men’s basketball home games at Richard Bland College in Petersburg, VA. 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 recommendation reports and ongoing annual planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Amy Huff is a financial advisor at Ameriprise with four years of industry experience. She has been with Ameriprise since 2018 and previously worked at RetailData, LLC. Amy holds the Series 66 designation. 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 tailored recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Cash Allen is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and 3 years of industry experience. Prior to joining Ameriprise, he was involved with Agees Bicycle for four years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Erik Ott is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise Financial Services, Inc. and Ameriprise since 2014. Outside of his advisory role, he owns Monroe Lane, LLC, a business focused on managing his Ameriprise practice. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm uses a combination of investment research, third-party data, and algorithmic tools to provide ongoing retirement advice centered on income sources and tax-aware withdrawal strategies.

Kelly Barnes is a financial advisor at Ameriprise with 17 years of industry experience. She holds the Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2008. Outside of her advisory role, she serves as President of the Parent Teacher Association at AM Davis Elementary School. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Joseph Lively is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Ameriprise. Before joining Ameriprise in 2021, he worked at Call Federal Credit Union and Essex Bank. He holds a Series 63 license and is based in Goochland, VA. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Eva Rennalls is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Her prior work includes positions at Janney Montgomery Scott, Northwestern Mutual, Space IQ, McKesson, and MAPEI Corporation. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Hunter Seay is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Seay Custom Irrigation and Atlantic Coast Settlement, and served five years in the United States Marine Corps. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines algorithmic tools with advisor input and a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Justin Martin is a financial advisor with Ameriprise in Powhatan, VA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of his advisory role, Martin serves on the board of directors for the nonprofit organization Together for Tanzania and owns a financial planning business called Prestige Planning. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to generate tailored retirement-income recommendations.

Nathaniel Urso is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with individuals, families, and businesses to develop customized financial strategies that focus on long-term financial security and growth. Nate emphasizes building lasting relationships based on trust and transparency, aiming to guide clients through their unique financial situations. His expertise includes corporate executive services, divorce transition planning, executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Nate also provides access to Bank of America specialists for additional financial services such as banking, credit, home financing, and small business solutions. Nathaniel holds a Bachelor's Degree from Virginia Polytechnic Institute & State University. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA) and Personal Investment Advisor (PIA). Outside of work, he enjoys camping, golfing, hiking, reading, skiing, spending time with his family, surfing, and traveling.

Richard La Rose Jr. is a financial advisor with Ameriprise, holding the Series 66 designation and 25 years of industry experience. He has worked with Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves on the finance team at New Life United Methodist Church, overseeing the church’s financial statements and investment programs. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice. The firm’s approach incorporates proprietary investment research and third-party data within a framework influenced by affiliated product relationships.