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Gary S

Series 63, Series 65

Vermillion, SD

Ameriprise

Gary Schaap is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for Beresford Housing and Redevelopment and is President of Living Word Free Lutheran Church. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm offers a combination of advisory, brokerage, and insurance solutions, leveraging algorithmic tools alongside personalized recommendations to support clients’ retirement income strategies.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Crystal H

Series 66

Vermillion, SD

Ameriprise

Crystal Hekrdle is a financial advisor at Ameriprise with four years of industry experience. She holds a Series 66 designation and previously worked at Abenov LLC for six years. Outside of her advisory role, she serves as Treasurer for the Vermillion Youth Soccer League. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides customized retirement income planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Sheri O

ChFC®, Series 66

Vermillion, SD

Edward Jones

Sheri Ouellette is a financial advisor at Edward Jones with the ChFC® and Series 66 designations and nine years of industry experience. She has worked at Edward Jones since 1990, including her current tenure starting in 2020. Outside of financial advising, she holds executive roles in Ouellette Trucking Inc and serves on the board of Domestic Violence Safe Options Services as secretary, and as treasurer for the United Way of Vermillion. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Retirement plans for business owners (SEP, solo 401k) Business ownership considerations Business succession planning General estate planning guidance Multi-generational wealth transfer Founder/Business Owner Educators, Teachers, and Academics
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Patrick H

Series 66

Vermillion, SD

Edward Jones

Patrick Higgins is a Series 66-registered financial advisor with Edward Jones, based in Vermillion, SD, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed solutions. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices, providing discretionary and non-discretionary strategies alongside affiliated mutual funds and tax-efficient services.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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M R

Series 63, Series 66

Vermillion, SD

Edward Jones

M Robinson is a financial advisor with Edward Jones in Vermillion, SD, holding Series 63 and Series 66 credentials and having 39 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1986. Outside of his advisory role, he is involved in ownership and management of several agribusiness and ethanol plant investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of financial advisors and branch offices nationwide.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Thomas O

Series 66

Vermillion, SD

Edward Jones

Thomas Overby is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2019. Prior to his career in financial advising, he worked at Amgen Inc for thirteen years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and access to affiliated mutual funds and separately managed accounts.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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