Monterey, CA Lower Ragsdale Dr Office

Charles Evans is a financial advisor at Ameriprise with seven years of industry experience. He previously worked at City National Bank and RBC Capital Markets, LLC, as well as Cisco Systems. Outside of his advisory role, he is a co-owner of MECA Worldwide LLC, a business unrelated to investments. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm provides written Recommendation Reports using a combination of research, modeling, and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts.

Michael Mccloud is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 16 years. Outside of his advisory role, he is involved in multi-family real estate ownership in Salinas, California. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

John Giammanco is a financial advisor with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Wells Fargo Clearing for seven years before joining Ameriprise in 2023. Outside of advisory work, he is a co-owner of Sahara Sun Tanning, a retail business in Monterey. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement planning advice through a centralized team. The firm’s approach includes asset allocation, withdrawal strategies, and Social Security planning, with recommendations supported by proprietary research and third-party data.

John Giammanco is a financial advisor with Ameriprise in Salinas, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Shine, Coastal Dispensary, New Level Collective, and Genuine Restaurant Concepts. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized retirement-income consulting team and uses a combination of research, modeling, and algorithmic tools to generate tailored recommendations.

Paul Cahalan is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. Prior to joining Ameriprise in 2024, he spent 16 years with Stifel Nicolaus & Co Inc and 11 years at A. G. Edwards & Sons, Inc. He is based in Monterey, California. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice, utilizing a centralized service team and a range of proprietary and third-party tools.

David Panziera is a financial advisor at Ameriprise with three years of industry experience. Prior to joining Ameriprise, he worked for Intel Corporation for 19 years. He holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Nathan Steen is a Series 66-licensed financial advisor at Ameriprise with 22 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley DW Inc. He serves as Vice President on the Board of Directors for the MPC Foundation in Monterey, CA. 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 provides tailored recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Thomas North is a financial advisor with Ameriprise in Monterey, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of his advisory work, he owns True North Productions, LLC, a publishing company established to market his book, *True North, The Shocking Truth about Yours Mine and Ours*. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with 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.

James Williams is a financial advisor at Ameriprise with 32 years of industry experience. He has worked at Morgan Stanley Private Bank and Prudential Equity Group in prior roles. Williams serves on the boards of Meals on Wheels of Monterey as Treasurer and the Hospice Giving Foundation. 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 recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.