Ian Malhoit is a financial advisor with Ameriprise in Toledo, OH, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors and as Secretary of the Genacross Lutheran Services Foundation, where he also participates on the finance committee overseeing endowment allocations and scholarship fund activity. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation to generate and tailor retirement income recommendations.

Jeffrey Smith is a financial advisor with Ameriprise in Toledo, OH, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior experience includes positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers services through a centralized consulting team working alongside advisors.