Krista Tarbox is a financial advisor with Ameriprise in Tempe, AZ, holding a Series 63 designation and 12 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver these services, with a focus on assets held in Ameriprise-managed accounts.

Kristi Simerman is a Series 66-licensed financial advisor with Ameriprise in Scottsdale, AZ, with 18 years of industry experience. She has been with Ameriprise and its affiliates since 2009. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies. The firm’s approach includes detailed written Recommendation Reports and ongoing advice produced by a centralized team and typically applies restrictive enrollment criteria and proprietary investment and distribution arrangements.

Jason Ayala is a financial advisor at Ameriprise with 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005 and holds a Series 66 designation. Ayala serves as Treasurer on the Board of Directors for Los Ojos de la Familia, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.