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.

How to plan travel in retirement: How much to budget?

Plan for your next trip with more confidence and enjoy your retirement.

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.

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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.

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.

4 ways to boost your retirement savings

Rev up your retirement savings with these tips.

Retirement countdown milestones: 4 strategic actions

This key pre-retirement planning checklist may potentially help you boost your future income.

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.

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.

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.

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.

The 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.

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.

Passive income: 5 strategies for investors to understand

Learn which strategies may be right for you.

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.

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.

How rebalancing can help you stay the course

Rebalancing your portfolio can help you fight instincts to sideline assets when markets get rough.

6 key principles for long-term investors

Time-tested basics to inform your investment portfolio decisions and support your financial goals.

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.

Calculators: 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.

Proactive tax planning: 7 steps

Strategize for income taxes throughout the year — so you’re less stressed when it’s time to file.

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.

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.

Use your tax refund to reach your financial goals

Consider these 7 ways to make your tax refund work for you.

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.

6 common tax mistakes for investors to avoid

Watch for these common missteps to help lessen the impact of taxes on your investment portfolio.

8 ways to potentially lower your taxes

Consider these strategies to potentially reduce your taxes.

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.

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.

Personal 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.

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?

How to handle student loan debt: 7 strategies

Manage your student loans efficiently, while also staying on track with your other financial goals.

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.

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.

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.

Artificial intelligence and your financial life

Safely take advantage of AI’s benefits and mitigate the potential risks.

6 strategies to manage economic uncertainty

Tips on managing the economic uncertainties of a difficult job market, inflation and high interest rates.

Smart strategies for minimizing expenses

Cut spending and save more by incorporating these strategies into your financial routine.

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.

4 financial considerations for women

Women face several unique factors that can have a big impact on their financial life.

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.

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.

5 smart actions for the new year

Start 2024 on a strong note by reviewing this beginning-of-the-year financial checklist.

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.

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.

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.

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.

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.

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.

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.

Education

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.

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.

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.

How to save for college and retirement at the same time

Consider these steps to balance two of life’s most significant financial goals.

Student debt and college loans, explained

Get answers to your most pressing questions about school loans and student debt.

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.

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.

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.

Samuel Vaughan

CFP^®, CRC^®

Associate Financial Advisor

Hanley & Associates

A financial advisory practice of Ameriprise Financial Services, LLC

737.201.1422 Samuel.Vaughan@ampf.com

Visit my website Request consultation

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