We take pride in shining a light on retirement’s hidden complexities and insulating you from the biggest threats to your financial future.
Ken’s journey into the world of finance began early — he made his first stock market investment at the age of 11. At 18, he enlisted in the United States Marine Corps Reserve. While serving, Ken participated in joint training operations with the Royal Moroccan Army and completed a combat deployment to Helmand Province, Afghanistan. There, he worked alongside the Afghan Border Patrol, conducting drug and arms interdiction missions as well as operations targeting Taliban forces.
When he returned home, Ken used the GI Bill to pursue his education at Idaho State University. Still in his twenties, he channeled his entrepreneurial spirit into launching and scaling several successful ventures in the automotive and residential construction industries.
Ken entered the financial services industry in 2014 as a licensed financial advisor with an independent firm, where he rose to the role of partner by 2020. Recognizing the need for a more personalized and comprehensive approach to retirement planning, he founded Retirement Risk Managers, LLC in 2025. Through this firm, he developed the “Retire with MERIT” financial strategy. Now as a financial professional who can offer insurance and investment products and services, he enjoys helping people plan for what he calls life’s longest vacation: retirement.
As an entrepreneur, Ken realized many people excel at building wealth but often overlook planning for retirement. This insight led him to specialize in income planning that focuses on strategies that can help safeguard retirement savings from potential risks.
Ken now lives in Las Vegas and is eager to continue growing and learning new skills. He spends some of his free time studying aviation and learning Portuguese — Brazil is one of Ken’s favorite vacation destinations.
Client Relationship Manger
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Client Experience Specialist
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CCO
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Client Relationship Manger
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Client Experience Specialist
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CCO
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President
Gradient Investments, LLC
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Senior Portfolio Manager
Gradient Investments, LLC
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Senior Portfolio Manager
Gradient Investments, LLC
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President
Gradient Investments, LLC
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Senior Portfolio Manager
Gradient Investments, LLC
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Senior Portfolio Manager
Gradient Investments, LLC
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* This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.
Tammy is a Client Relationship Manager with Investor FAN and joined the company in 2023. She graduated from Washington State University in 1996 with a degree in Business Administration with Accounting and Finance concentrations. She worked in the accounting and finance industry for 25 years as a Certified Public Accountant and spanned several industries including public accounting, telecommunications, high tech, and financial professional services. Tammy passed the Series 65 securities exam in 2021.
Originally from England, Emma brings a background in social work, where she developed a strong foundation in empathy, discretion, and thoughtful communication. Her people-first approach now guides the care and attention she brings to each client relationship.
At Retirement Risk Managers, Emma is dedicated to delivering a seamless and highly personalized experience for every client whether in person, over the phone or through video call. Everything from the customized scent of our office to the curated drink selection, Emma ensures the experience of our brand is everything it’s meant to be.
Outside of work, Emma enjoys attending live music and traveling. She especially looks forward to exploring more of the United States now that she calls it home, as well as spending time with her cats and husband.
Rod is the principal of Investor FAN and RIA Systems, which he runs on a daily basis. Prior to starting Investor FAN in 2011, he was the Vice President of Advisory Services at Pacific West Financial Consultants, Inc. from 2003 to 2012 where he served as Chief Compliance Officer and then VP of Advisory Services overseeing more than 200 Representatives and approximately $1.3 billion under management. He graduated from Kansas State University in 1991. Prior to working at Pacific West, he was at Merrill Lynch as a retail broker from 2000 to 2003.
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.