Investments

THE IMPORTANCE OF INVESTING

You've worked hard for what you have and deserve to have the future you want. Your financial future depends in large on decisions you make today. When you take the time to build a financial plan you are taking the first step in achieving your goals and we will be there with you every step of the way.


WHY INVEST?

Developing an investment plan requires you to quantify your goals and could greatly improve your chances of achieving the retirement you have dreamed of. It could help maximize the chances of meeting the objectives in your financial plan that best aligns with your financial goals.


Regardless of the state of your current financial picture, it's always a good idea review your financial plan and understand how it relates to your financial goals and be aware of the options you can take that can help your financial well-being.


WHY HAVE A FINANCIAL CONSULTANT?

Having the support and knowledge of a Financial Consultant may improve your chances of having a more secure future for you and your loved ones. We can help guide you through the process and navigate you through the steps you should be taking that best align you to reach your financial goals. You may even discover new opportunities that you didn't think of or better understand the ones you do have and how you can improve them to better fit your specific needs.


LIFE STAGES FINANCIAL PLANNING

The investment strategies and tactics for achieving short-term goals are very different from those used to accomplish long-term ones. Managing for tax efficiency plays a key role every step of the way.


ACCUMULATE

In the accumulation phase you are working hard to build assets, support the household, save for college and, hopefully, set aside money for retirement. When it comes to investing in this phase, every dollar counts because dollars invested early will work hardest for you later.

SPEND

Phase two is retirement. During this phase, you're likely living on a reduced income but now have the time to do things you enjoy. If you've planned adequately and factored in the potential for higher medical expenses along with your monthly bills, you should have enough extra money for a good quality of life.

RELEASE

The release phase begins upon your death when your heirs and charitable organizations can benefit from your generosity. Tax-efficient estate planning gives you the satisfaction of offering a leg-up to your children and grandchildren or a little bit of hope to the less fortunate.


HOW DO YOU GET THERE?

Below we outline the steps in the financial planning process, which is modeled on the recommendations of the Certified Financial Planner Board of Standards, Inc.

1. Establish Objectives

  • Discuss goals, means, dreams, time frame, risk tolerance & benchmarks

2. Gather Information

  • Documentation
  • Work through objectives & build planning consensus

3. Analyze + Evaluate

  • Analyze assets, liabilities, cash flows, insurance & tax strategies
  • Discuss likely scenarios & degree of comfort to achieve goals

4. Review Recommendations

  • Discuss & agree on approach
  • Finalize start plan

5. Implement Plan

  • Allocate existing holdings to reflect investor profile
  • Buy and/or sell financial instruments for allocation plan
  • Acquire and/or retire insurance policies as per plan
  • Set up automatic savings and/or investment plans

6. Review, Monitor, + Adjust

  • Monitor performance regularly
  • Review goals & objectives
  • Review new opportunities as they arise
  • Update plan as changes occur in life circumstances, goals & means

SERVICES FOR BUSINESS CLIENTS

From employee benefits programs to executive compensation plans to business exit and succession planning, we bring all the necessary knowledge and experience to the table to deliver innovative, tax-efficient solutions to help businesses stay competitive and thrive.

EMPLOYER BENEFITS PLANNING

  • We specialize in helping employers develop cost-effective benefits programs and executive compensation plans to help attract and retain valuable employees.
  • Group Insurance Plans
  • Disability Insurance
  • Health Insurance
  • Premium Financing
  • Retirement Plan Services
  • Defined Contribution Plan Services
  • Defined Benefit Plan Services
  • Insurance-based Retirement Plans

BUSINESS SUCCESSION AND EXIT PLANNING

We help small business owners prepare to exit or retire under the most favorable financial conditions. We look at key issues such as whether the business will be capable of distributing enough income to principals post departure and developing strategies to maximize value in the short and long terms. Where appropriate, we coordinate the development of a business succession and exit plan with bankers, attorneys and accountants.


About Ameriprise Financial

For more than 120 years, Ameriprise has remained true to its vision of putting its clients' interests first. Ameriprise is passionate about helping clients live the full and rich life they've earned, today, tomorrow and in the future. Ameriprise has helped millions of people invest billions of dollars for what's important to them. Today, Ameriprise is a leading global financial institution, with more than $875 billion in assets under management and administration.1 View the Ameriprise FINRA BrokerCheck listing.


Products and services available through Ameriprise

• Financial planning

• Retirement planning

• Investments

• Funding education expenses

• Insurance and annuities

• Estate planning strategies

• Retirement income strategies

• Tax planning strategies



1 Company data, as of Q1 2018

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Not Federally Insured | No Financial Institution Guarantee | May Lose Value


References to financial institutions are solely to indicate location.


Any financial institution referenced is not affiliated with Ameriprise Financial, Inc.


The Confident Retirement® approach is not a guarantee of future financial results.

Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor's practice fee schedule. Your fees and financial advisor may be subject to change.


Investing involves risks, including changes in value and possible loss of the entire amount invested.


Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.


Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.


Ameriprise Financial Services, Inc. Member FINRA and SIPC.


© 2018 Ameriprise Financial, Inc. All rights reserved.