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About the Mobile Chamber

The Mobile Chamber is a private business organization with more than 1,700 members and the economic developer for the City of Mobile and Mobile County. The Mobile Chamber’s focus is to provide members with networking, marketing and professional development opportunities, expand jobs in the area, develop the local workforce, advocate legislative priorities and offer resources to help small businesses grow. Additional information is on the Chamber’s website, Facebook, Instagram, LinkedIn, Twitter and YouTube.


Business View – April 2020 / Small Business of the Month
Coldsmith, Ryder & Associates – Ameriprise Financial Services Inc.



A track and cross country head coaching job at the University of South Alabama initially brought Bruce Coldsmith to the Mobile area. Later, when he and his wife started a family, he decided it was time to be home more regularly. He answered an ad seeking a financial planning professional, and his new career began.


“In many ways, I still feel like I teach and coach in this position,” says Coldsmith, who founded Coldsmith, Ryder & Associates in 1992. The company is the Mobile Area Chamber’s Small Business of the Month.


For nearly 30 years, the financial advice team at Coldsmith, Ryder & Associates has helped its clients reach financial and investment goals. The firm is a private wealth advisory practice of Ameriprise Financial Services, an American diversified financial services company headquartered in Minneapolis.


Partner Jennifer Ryder, who joined the firm in 2008, says industry trends have changed over the past five to 10 years. “People want more than investment advice,” she says. “They want to know if they should refinance their house, contribute to a pretax or Roth 401k and how to make sure they have enough money to retire. That’s the value we provide. And it’s very rewarding.”


Both Coldsmith and Ryder are certified financial planners who offer a comprehensive approach to helping clients reach their investment goals, says Coldsmith.


The firm’s clients are primarily individuals, many of them small business owners. Planning options available include retirement, education and small business succession. “We focus on providing quality, client-specific and actionable advice, as well as excellent service,” says Coldsmith.

Each of the firm’s seven employees is involved with an area charity, says Coldsmith, and everyone participates in the Dog River Clearwater Revival and Ronald McDonald House.


“The Chamber has helped us gain a broader and deeper understanding of the vibrant business community in Mobile,” he says. “The Chamber also creates a great platform to meet and network with other businesses, government and community members.”


“We focus on providing quality,

client-specific and actionable

advice, as well as excellent

service,” says Coldsmith.


COMPANY NAME: Coldsmith, Ryder & Associates – Ameriprise Financial Services Inc.

OWNER: Bruce Coldsmith

PHONE: 251.344.5551

WEBSITE: www.ameripriseadvisors.com/team/coldsmith-associates




To read about previous Small Business of the Month stories, click here.


Additional information is on the Mobile Area Chamber of Commerce’s website at mobilechamber.com, on Facebook at @MobileChamber and Twitter at @MobileChamber.