Elizabeth Cruz is a financial advisor with Ameriprise Financial Service, LLC, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Ameriprise since 2013, initially at Ameriprise Financial Service, Inc., before continuing at the current entity since 2020. Outside of her advisory role, she has involvement in real estate ownership. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides detailed Recommendation Reports addressing income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice, primarily for clients with significant investable assets managed within Ameriprise.

Joseph Martin is a financial advisor with Ameriprise in Silver Spring, MD, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Ameriprise since 1984. Outside of his advisory role, he leases land for cow grazing and farmland leasing in West Virginia. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.