John Rivera is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Ameriprise in Scottsdale, AZ. His prior experience includes three years at The Vanguard Group, Inc. and various roles outside the financial industry. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement planning recommendations and ongoing advice focused on income and tax-aware withdrawal strategies.

Kristel Ashcraft is a financial advisor at Ameriprise with 11 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2015. 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 annual planning advice focused on retirement income strategies.

Daniel Bertolet is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wedbush Securities Inc for 11 years before joining Ameriprise in 2025. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria. The firm provides written Recommendation Reports addressing income sources, Social Security options, and tax-efficient withdrawal strategies, using a combination of research, modeling, and algorithmic tools to support its recommendations.

Nicholas Dyer is a financial advisor at Ameriprise with 20 years of industry experience and holds a Series 63 designation. He has been with Ameriprise Financial Services since 2016, currently working in Scottsdale, AZ. Ameriprise Financial Services is a large, diversified advisory firm serving both 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 income sources and tax-aware withdrawal strategies.

Norman Lemus is a financial advisor at Ameriprise with 17 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services Inc. for 11 years before joining Ameriprise in 2022. Outside of his advisory role, he is involved with the Phoenix Children’s Hospital Foundation’s 50 under 50 group and manages youth soccer teams with the Plamaker Futbol Academy. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports that include income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research-driven modeling and automated processes to deliver tailored, non-discretionary advice in partnership with its financial advisors.

David Kutz is a financial advisor with Ameriprise in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. Prior to joining Ameriprise in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2018. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, 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 deliver tailored, non-discretionary advice, primarily focused on assets managed within Ameriprise accounts.

Kevin Wilkison is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Cardinal Management AZ LLC, Royal Alliance Associates, Inc., and AXA Advisors, LLC. He serves as a board member for the Arizona Municipal School Board Leaders (AZMSBL). Ameriprise is an institutional firm that provides retirement-income planning services for individuals approaching or in retirement, typically serving clients with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Nayankumar Ranchhod is a financial advisor with Ameriprise in Scottsdale, AZ, holding a Series 66 designation and 20 years of industry experience. He has worked with Ameriprise and Ameriprise Financial Services, Inc. since 2006. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies for clients near or in retirement.

David Cabral is a financial advisor at Ameriprise in Scottsdale, AZ, holding Series 63 and Series 66 designations with three years of industry experience. His prior work includes roles at U.S. Bancorp Investments, U.S. Bank, Letter Stream, and Kelly-Moore Paints. Ameriprise offers a retirement-income planning service for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers advisory, brokerage, and insurance solutions through affiliated entities, with a centralized consulting team supporting its financial advisors.

Matthew Rea is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual planning advice focused on retirement income strategies.

Erin Daniels is a Series 66-licensed financial advisor at Ameriprise in Scottsdale, AZ, with 20 years of industry experience. Prior to joining Ameriprise in 2026, Erin worked at Stifel Nicolaus & Co Inc and BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. 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 retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sean Riley is a financial advisor at Ameriprise with 28 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2018, previously working at Wells Fargo Advisors from 2009 to 2018. Outside of advisory work, he is involved in several business ventures, including a holding company for a patented product and a partnership related to bakery distribution. 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 clients approaching or in retirement with written recommendation reports and ongoing retirement-income planning advice.

Tina Anne Mc Donald is a financial advisor with Ameriprise in Mesa, AZ, holding a Series 63 designation and 21 years of industry experience. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors. Outside of finance, she maintains a cosmetology license. Ameriprise serves clients primarily through a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, employing a research-driven, algorithm-supported approach combined with personalized advisory support.

Chase Witthuhn is a financial advisor at Ameriprise in Scottsdale, AZ, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Charles Schwab & Co., Charles Schwab Bank, and Esporta/LA Fitness, as well as time spent in full-time education. 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 combines written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Brian Juda is a financial advisor with Ameriprise in Scottsdale, AZ, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of financial advising, he is co-owner of Happy Jack's Hospitality LLC. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach while offering a broad range of advisory, brokerage, and insurance solutions.

Eileen Mcarthur is a financial advisor at Ameriprise with 35 years of industry experience and holds a Series 63 designation. She has been with Ameriprise since 2012, including six years at the current firm. Outside of her advisory role, she serves as Vice President of the Breast Cancer Research & Assistance Fund and as Secretary for the Cancer Aid and Research Fund. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement-income planning advice through a written Recommendation Report and tax-aware withdrawal strategies.

Patricia Gradl is a financial advisor with Ameriprise in Tempe, Arizona, holding a Series 63 designation and 18 years of industry experience. Her career includes prior roles at OSAIC Wealth, Inc and Lincoln Financial Securities Corporation. Outside of her advisory work, she is a commissioned notary public in Arizona. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research-driven modeling and tax-efficient strategies to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Bryce Cook is a financial advisor with Ameriprise Financial Services, LLC in Scottsdale, AZ, holding Series 63 and Series 65 registrations with 14 years of industry experience. He has been with Ameriprise since 2016. Outside of his advisory role, Cook works as a basketball referee. Ameriprise Financial Services is a large, diversified advisory firm serving both 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.

Dewey Darwin is a financial advisor with Ameriprise in Scottsdale, AZ, holding a Series 63 designation and 32 years of industry experience. He has worked with Ameriprise and its affiliate, Ameriprise Financial Services, Inc., since 1994. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools, primarily for clients maintaining assets in Ameriprise-managed accounts.

Connor Isaacson is a financial advisor at Ameriprise with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Ameriprise, he worked at Charles Schwab and held various roles outside financial services, including positions at ADP and TPC Scottsdale, as well as periods focused on full-time education. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, delivered in partnership with its financial advisors, and emphasizes the use of Ameriprise-managed accounts in its approach.

Nicholas Fisher is a CFP® and Series 66-registered advisor at Ameriprise with eight years of industry experience. He has worked at firms including Merrill Lynch, Bank of America, and Silverhawk Private Wealth. Fisher serves as a council member on the Board of Directors for Wishmakers Council in Scottsdale, AZ. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing tax-aware, income-focused planning for clients approaching or in retirement.

Katie Whalen is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 63 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Outside of advising, Whalen is involved in independent insurance brokering focused on fixed annuities. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations primarily for clients with Ameriprise-managed accounts.

Brian Bratspis is a financial advisor with Ameriprise in Scottsdale, AZ, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing, before joining Ameriprise Financial Services in 2018. Ameriprise provides a retirement-income planning service designed for individuals nearing or in retirement who meet specific asset thresholds. The firm delivers non-discretionary, research-based recommendations combining modeling and tax-efficiency analysis, supported by a centralized consulting team, and offers a broad range of advisory, brokerage, and insurance solutions.

Julie Mitchell is a financial advisor with Ameriprise in Cave Creek, AZ, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, 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 in its approach and delivers recommendations through a centralized consulting team in partnership with advisors like Mitchell.

Scott Lorenzen is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate since 2009. Lorenzen is based in Scottsdale, AZ. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Joshua Winston is a financial advisor at Ameriprise in Scottsdale, Arizona, holding a Series 66 designation with 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, he serves on the Board of Directors for Gesher Disability Resources. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports based on detailed research and modeling, combining advisory, brokerage, and insurance solutions through a centralized consulting team.

Robert Lenz is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Ameriprise in 2021, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, 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 in its approach and provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Julia Beatty is a Certified Financial Planner™ with 21 years of experience in the financial services industry. She has been with Ameriprise since 2005, currently serving at their Scottsdale, AZ office. Outside of her advisory work, she owns and operates Uniquely Frosted, a custom cookie business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Timothy Hughes is a Certified Financial Planner (CFP®) with 32 years of industry experience. He is currently with Ameriprise and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. 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 retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Nicole Mckelvey is a financial advisor at Ameriprise in Phoenix, AZ, holding a Series 66 designation with eight years of industry experience. Her career includes roles at Ameriprise and Dewey Darwin of Ameriprise Financial Services Inc., along with a period focused on homemaking. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, utilizing a centralized consulting team to deliver tailored, research-based recommendations that integrate tax efficiency and adaptive withdrawal strategies.

Philip Delord is a financial advisor with Ameriprise in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jules Freeman is a financial advisor at Ameriprise in Scottsdale, AZ, with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc. from 2008 to 2019. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm provides written Recommendation Reports using a combination of research, modeling, and tax-efficiency analysis, delivered through a centralized consulting team in partnership with advisors like Freeman.

Rachel Rabin is a financial advisor at Ameriprise with the ChFC® designation and Series 66 license. She has two years of industry experience, including prior roles at Columbia Management Investment Advisers and Columbia Management Investment Distributors. Rabin’s background also includes several years associated with the University of Arizona. 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 recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

John Santillo is a financial advisor with Ameriprise in Glendale, AZ, holding a Series 63 designation and 31 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Ameriprise Financial Services Inc and subsequently Ameriprise. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to create written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.