In discussions I had with them -a broker and two managers- all that was suggested was Ameriprise/Riversource Mutual Funds, their insurance products and money market funds at Reserve. There seemed to be too much self-dealing and potential for conflicts. And then there were the layers of fund management fees, expenses and commissions. It seemed that everybody in the building got a piece of any trade. I asked about individual stocks and companies with no response.. I never did get a plan from them.