Financial WellnessTools & Resources
Retirement
Retirement is the biggest financial goal for most people – and often the source of many questions. Use the tools and resources below to help you start gauging your own retirement readiness and see where you stand.
The 3-minute Confident Retirement© Check
Gain a more complete picture of your financial life to help you work toward your dreams and goals.
Get Started![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1607202417540289638567492593510035.jpg)
How to plan travel in retirement: How much to budget?
Plan for your next trip with more confidence and enjoy your retirement.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1607202419525690638567563884758271.jpg)
Take control of your 401(k) in-service distributions (ISD)
Learn answers to three commonly asked ISD questions that can help you begin a conversation with your Ameriprise financial advisor.
Learn more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2105202421170382638519230265572354.jpg)
7 top retirement tips: Retirement advice for every age
Feel more confident about living the retirement you want, no matter what age or life stage you're in.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2004202317034779638176070372544509.jpg)
How new 529 plan rules can help with retirement planning
Find out how a recent change to U.S. law provides more flexibility for 529 plan assets.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2204202415461456638493976218460684.jpg)
![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2704202319243526638182202827257063.jpg)
Retirement countdown milestones: 4 strategic actions
This key pre-retirement planning checklist may potentially help you boost your future income.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2403202314573899638152666682402587.jpg)
Planning your ideal retirement lifestyle
Plan your ideal retirement lifestyle with Ameriprise Financial. Address essential retirement lifestyle questions and financial considerations for a more fulfilling retirement.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2403202315021610638152669411390505.jpg)
Retiring during a challenging market
Learn how to navigate retiring during a recession with strategies from Ameriprise Financial. Our tips can help you retire with more confidence, even in a down market.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2403202315043280638152670814806744.jpg)
How to maximize your 401(k) investment strategy
Find questions to consider as you evaluate how to maximize your 401k investments. Explore our 401k investment strategy guide to help reach your financial goals.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/22-049-fmp-june-web-banner-900x360-4637902016675672723.jpg)
6 FAQs about Social Security
Are you five years or less from retirement? If so, it’s time to start planning your Social Security income strategy. Reach out and let’s talk.
Read moreThe Confident Retirement® approach is not indicative nor a guarantee of future financial results.
Investing
History shows that when people invest and stay invested, they’re move likely to earn positive returns in the long run. Learn about investing strategies, concepts and more.
Investment Returns Calculator
Meeting your long-term goal is dependant on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon. This calculator helps you sort through these factors and determine your bottom line.
Get Started![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1607202417420934638567485330247198.jpg)
3 short-term investment tips
Short-term investment strategies differ from long-term strategies. Review our investment tips to help you plan for a short investment time horizon.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2004202317074296638176072856265273.jpg)
Passive income: 5 strategies for investors to understand
Learn which strategies may be right for you.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2802202421542365638447540887594934.jpg)
5 real estate investing strategies for building income and wealth
Find out how to invest in real estate, as well as potential advantages and risks.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2802202318092432638132045668379564.jpg)
Investing opportunities to consider when interest rates are high
Get an overview of investments that can do well in an elevated interest rate environment, including potential risks and tradeoffs.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2710202319562661638340334658375001.jpg)
How rebalancing can help you stay the course
Rebalancing your portfolio can help you fight instincts to sideline assets when markets get rough.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1309202219132012637986932211025026.jpg)
6 key principles for long-term investors
Time-tested basics to inform your investment portfolio decisions and support your financial goals.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2506202416254155638549295687919116.jpg)
Managing investment risk: 3 factors that can help reduce investment risk
Learn these time-tested ways to help reduce investment risk and feel more confident about your financial future.
Read moreCalculators: While Ameriprise has been diligent in attempting to provide accurate calculations on this site, the accuracy of the information cannot be guaranteed. The results provided by calculators are estimates based on the information supplied and are not meant to imply any specific investment or guaranteed rate of return. This information should not be used as a sole basis for investment decisions and may not meet the particular needs of an individual investor.
Taxes
You spend years accumulating retirement savings. So it’s important to not let taxes diminish your savings more than necessary. Read these tax tips so that you can help your assets last longer and seek to optimize savings towards financial goals.
![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1903202420152365638464761293317050.jpg)
Proactive tax planning: 7 steps
Strategize for income taxes throughout the year — so you’re less stressed when it’s time to file.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2908202320281371638289384332733505.jpg)
Tax diversification: A tax strategy to help your assets last
Discover tax diversification strategies to help retain your savings. Learn how tax diversification in retirement could help your assets last longer.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2601202417243532638418866967840161.jpg)
11 tax deductions and credits to know
Reduce your tax liability by taking advantage of the different tax breaks that may be available to you.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2601202417404854638418876529978877.jpg)
Use your tax refund to reach your financial goals
Consider these 7 ways to make your tax refund work for you.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2911202315274700638368685774716457.jpg)
3 actions to consider before the 2017 tax cuts expire
Find out how to take advantage of current tax provisions before they potentially sunset at the end of 2025.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1910202319424444638333413680778277.jpg)
6 common tax mistakes for investors to avoid
Watch for these common missteps to help lessen the impact of taxes on your investment portfolio.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2609202320183306638313563974154608.jpg)
8 ways to potentially lower your taxes
Consider these strategies to potentially reduce your taxes.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2508202216562575637970435090560256.jpg)
Tax-loss harvesting: Turn investment losses into tax-savings opportunities
Investment losses can be turned into a tax-savings opportunity through tax-loss harvesting. Learn what tax-loss harvesting is and how it can benefit you.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/2021-mod-october-fmp-nua-web-banner-900x360-1193688718637660217424684723.jpg)
Retiring soon? Here’s a tax strategy for employer stock
A smart strategy to help mitigate the impact of taxes on employer securities when you retire.
Read morePersonal Finance
As your life changes, your finances change with it. Whether you are preparing for the next milestone in your life, looking to have a financial comeback, or preparing for the unexpected, check out the resources below to help you make intentional choices with your finances.
![](https://cdn.ameriprisecontent.com/cds/alwp/insights/401k-illustration-hero637630134244662334.jpg)
What should you do with your old 401(k) when you change jobs?
Congratulations. You’ve worked hard to save money in your 401(k) or 403(b). But, if you’re like most Americans, you’re likely to change jobs (and employers) multiple times during your career. So, what should you do with your old 401(k) when you get a new job?
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0608202416561458638585601770875126.jpg)
How to handle student loan debt: 7 strategies
Manage your student loans efficiently, while also staying on track with your other financial goals.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2105202421023327638519221724759157.jpg)
How to plan for the costs of big trip
Create a travel budget that allows you to experience new places and cultures ? without added financial stress.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1905202316353859638201109515330661.jpg)
Caring for aging parents and loved ones
As loved ones age, families often find themselves providing more support. How to navigate the unique challenges of caring for aging loved ones.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1905202316401794638201112199483076.jpg)
Financial literacy for kids: Teaching kids about money
Financial literacy for kids is imperative to your family’s financial health. Learn how to teach kids about money with these tips.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2404202414490067638495669459805425.jpg)
Artificial intelligence and your financial life
Safely take advantage of AI’s benefits and mitigate the potential risks.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2103202417055307638466375924955574.jpg)
6 strategies to manage economic uncertainty
Tips on managing the economic uncertainties of a difficult job market, inflation and high interest rates.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2202202419035253638442254355078482.jpg)
Smart strategies for minimizing expenses
Cut spending and save more by incorporating these strategies into your financial routine.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2202202419000789638442252310303217.jpg)
Downsizing your home in retirement
Are you considering downsizing your home in retirement? Learn more about what financial aspects to consider when creating a retirement downsizing strategy.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/international-womens-day637822887397485124.jpg)
4 financial considerations for women
Women face several unique factors that can have a big impact on their financial life.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0503202421203335638452704377944304.jpg)
An introduction to wills and trusts
Explore an introduction into what is a trust and a will. This article covers the basics of trusts and wills and their role in estate planning.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1512202320482705638382701153900496.jpg)
New for 2024: Retirement limits, tax brackets and more
Stay on top of the latest cost-of-living changes from the IRS and Social Security Administration with this guide.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1512202320410460638382696704806671.jpg)
5 smart actions for the new year
Start 2024 on a strong note by reviewing this beginning-of-the-year financial checklist.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/21-135-aws-article-illustration-hero-image-death-of-a-loved-one-900x360637648020852284884.jpg)
Financial steps to take after the death of a parent, spouse or loved one
Learn the financial steps needed after the death of a parent, spouse or other loved one.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0503202422165885638452738847938215.jpg)
Getting started on estate planning: Key actions to take
View 9 estate planning considerations to help you craft your estate plan, including assigning beneficiaries, drafting a will, naming an executor and more.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0603202417311855638453431544572738.jpg)
How to choose an estate planning team: Attorneys, trustees and executors
Find tips for choosing an estate planning team. Learn key responsibilities to help you choose an attorney, a trustee or power of attorney for your estate.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1910202319385745638333411411328913.jpg)
How to plan for the cost of long-term care
Find out how you can plan now for potential long-term care costs in the future.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2309202220002079637995600329910997.jpg)
7 things to consider during open enrollment
Understanding your health insurance open enrollment options can help ensure you choose a plan suited for you. Review these health insurance tips today.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/2021-mod-september-fmp-5faqsaboutmedicare-web-banner-900x360-690315256637649957105836657.jpg)
6 FAQs about Medicare
It’s common to have questions about Medicare, given the costs and milestones for enrollment. Read these frequently asked questions and their answers.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights/21-169-getting-married-aws-article-900x360637680941463978287.jpg)
Getting married: The money conversation
Before you get married, openly discussing finances can help you start off with a strong foundation. Use our checklist to help guide your conversation.
Read moreEducation
If paying for education – yours, a child’s or a loved one’s – is among your financial goals, learn about several strategies to consider below.
![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0609202319415258638296261376023906.jpg)
Saving for college options: What to know about your choices
Understand the different saving vehicles to help stay ahead of rising education expenses and reach your goals.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2908202315391346638289203723754604.jpg)
Financial planning for college: What to know before you start saving
Keep these financial considerations in mind as you set a savings goal for your child’s education.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-2808202319410774638288488161179243.jpg)
How to save for college and retirement at the same time
Consider these steps to balance two of life’s most significant financial goals.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0609202320235253638296286453119939.jpg)
Student debt and college loans, explained
Get answers to your most pressing questions about school loans and student debt.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1109202319073697638300560623372502.jpg)
529 plans: frequently asked questions
Learn the ins and outs of 529 plans with this FAQ, including why they’re a popular savings vehicle for paying for college.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-1109202321103131638300634403224435.jpg)
Tax strategies for college savings and gifting
Use the tax code to your benefit when saving or gifting money for a loved one’s college education.
Read more![](https://cdn.ameriprisecontent.com/cds/alwp/insights-new/insights-hero-0609202319560600638296270792395590.jpg)
How to pay for college: Financial steps to take as school nears
Learn how to pay for college tuition and costs as your child applies to school and prepares to embark on their higher education journey.
Read moreA preferred workplace financial planning partner.
![Profile photo](https://cdn.ameriprisecontent.com/cds/alwp/advisor/derek.packett/derek-packett_ae916_400x490.jpg)
Derek Packett
CRPS™, AIF®
Financial Advisor
Resolute Point Private WealthA private wealth advisory practice of Ameriprise Financial Services, LLC
203.262.8005 Derek.Packett@ampf.comComplimentary financial wellness
initial consultation
Whether you’re planning to retire soon or just getting started, an Ameriprise financial advisor can help you achieve your goals. Submit this form and we will schedule a complimentary initial consultation to check-in on your financial health.
![loading](/fw/assets/images/loading.gif)