Coldsmith, Ryder & Associates (a private wealth advisory practice of SEC-registered Investment Adviser and FINRA/SIPC broker-dealer Ameriprise Financial Services, LLC, CRD #6363, SEC File #801-28543) provides Certified Financial Planner™ (CFP®) retirement income planning, fiduciary investment management, and multi-generational estate coordination from its Historic Downtown Milton office at 5236 Willing Street in Milton, Santa Rosa County, Florida (ZIP 32570). Located one block west of the Blackwater River Riverwalk and minutes from the Santa Rosa County Courthouse and Santa Rosa County Property Appraiser Greg Brown II, CFA (6495 Caroline St, Milton, FL 32570), the practice is anchored by Financial Advisor Jennifer Marie Ryder, CFP® (Individual CRD #5544821) alongside Private Wealth Advisor Calley C. Coldsmith, CFP®, APMA® (Individual CRD #5957385, who holds both the Certified Financial Planner™ and Accredited Portfolio Management Advisor™ designations).

Combining dual-CFP® financial planning rigor with APMA® portfolio construction, Coldsmith, Ryder & Associates serves retirees, widowed spouses, military families, and public servants across Milton, Pace, Bagdad, East Milton, Pea Ridge, and Jay. Because of its Willing Street location in the county seat of Milton, Jennifer Ryder, CFP® and the advisory team frequently assist retiring Santa Rosa County District Schools educators, Santa Rosa County Government staff, and City of Milton employees with evaluating Florida Retirement System (FRS) Pension Plan survivorship options versus Investment Plan distributions and executing tax-deferred Deferred Retirement Option Program (DROP) lump-sum IRA rollovers. The team also counsels retiring naval aviators, instructors, and federal civilian employees from nearby NAS Whiting Field on integrating Thrift Savings Plan (TSP) rollovers, Federal Employees Retirement System (FERS) annuities, and Survivor Benefit Plan (SBP) elections.

To safeguard retirement cash flow against inflation, tax drag, and healthcare shocks, Jennifer Ryder, CFP® and Calley Coldsmith, CFP®, APMA® structure tax-aware retirement paycheck buckets, SECURE 2.0 Act Required Minimum Distribution (RMD) withdrawal sequences (ages 73–75), multi-year Roth conversions, and Qualified Charitable Distributions (QCDs for clients aged 70½+) designed to keep Modified Adjusted Gross Income below two-year lookback Medicare Part B and Part D IRMAA surcharge brackets—working alongside free Northwest Florida Area Agency on Aging (PSA 1) SHINE Medicare counseling (1-800-963-5337). In addition, the team models long-term care insurance and assisted living liquidity reserves along the Berryhill Road medical corridor and helps Milton and Pace homeowners align household AGI and residency filings at 6495 Caroline Street for the $50,000 Homestead Exemption, 3% Save Our Homes portability, Age 65+ Additional $50,000 Senior Homestead Exemption, and veteran disability property tax exemptions.