How can I receive my financial statement electronically (e-delivery)?
You can choose to receive your financial statements online rather than in the mail by signing up for e-delivery.
- To sign up for e-delivery, you must register for online access on ameriprise.com.
- You will be prompted to choose your delivery preference after the registration process.
- If you are already registered, log in to the secure site:
- Click on your name in the upper right.
- Select “Communication Preferences” from the drop-down menu.
- Once enrolled, you will receive an email notification when documents are ready to view online.
- Your statement frequency will not change by signing up for e-delivery, unless your household statement group has a brokerage account. Brokerage clients receive electronic statements monthly, regardless of the level of account activity
How can I view or print my online statement?
Select Documents in the navigation and “Account Statements” from the drop-down menu.
To view or print your statement, you will need a recent version of Adobe Acrobat Reader and a current version of one of the following supported browsers: Chrome, Edge, Firefox, Internet Explorer or Safari (Mac users only).
How can I get a paper copy of my financial statement if I don't use the secure site?
If you are not able to access the secure site on ameriprise.com to get statement copies, you can request a statement reprint by contacting your Ameriprise financial advisor.
Changes that have been made to addresses, or any corrections made to groups and/or accounts after the original statement date, will not appear in the reprinted statement.
Note: To protect your privacy, statement reprints must be mailed to the address of record and cannot be emailed or faxed. Statements can be mailed to a third party with a signed letter of agreement or legal document from the client.
How far back can I access statements?
Clients and their financial advisors have online access to copies of monthly and quarterly statements dating back seven years. Clients must be registered for the secure site on ameriprise.com to view and/or print their Ameriprise Financial documents.
Clients should retain their own copies of statements, in a secure location, if they anticipate they will need a record of account activity dating back more than seven years.
Who will receive a monthly financial statement?
- Brokerage clients who have signed up for e-delivery of financial statements, regardless of their level of account activity
- Clients who have requested to receive a monthly statement
- Clients whose accounts are part of a pension plan
- Clients or client groups with a brokerage account or advisory (managed) account if any of the following types of brokerage activity occur with their accounts during the month:
- New account has been opened or dormant account reactivated
- Deposits of cash (other than a cash-only deposit from an ACAT transfer into the account) or securities such as a wire, an ACH transfer from a bank account, or an IRA rollover
- Transfers into the account such as a transfer from another financial institution or another Ameriprise account
- Ameriprise ONE® Financial Account features activity (check writing, returned checks, stop payment on checks, debit card, ATM, and other related transactions)
- Cash transfer out of the account such as systematic payouts, ACH transfers to a bank account, wires and related wire fees, and trades (sales and purchases)
- Discretionary account activity in Active Portfolios, SPS Advisor or Separately Managed Accounts
- Options activity
- Trade activity (sales and purchases)
- Margin interest
- Money Market account activity (not including AIMMA sweep activity)
- Wrap and Managed Account fees
Who will receive a quarterly financial statement?
- Clients without a brokerage account or advisory (managed) account will receive four financial statements per year on a quarterly cycle
- Clients with a brokerage account or advisory (managed) account will receive four financial statements per year generated on a calendar quarterly cycle (March, June, September, and December) unless specific activity requires a monthly statement (see "Who will receive a monthly financial statement?" above)
- Clients with only financial plans and no other active accounts
- Clients with a consolidated statement group(s) will receive four financial statements per year on a quarterly cycle unless specific activity generates a monthly statement.
Who will receive a yearly financial statement?
Clients who only have accounts with a $0.00 cash value (i.e., RiverSource® annuities in payout, Term Life or Disability insurance policies) will receive one statement during the year, mailed between October and December.
What is included in the "Value of your investment accounts" section on the first page of the statement?
- Beginning value –The value of the portfolio at the beginning of the year and of the statement period. Total of all the beginning values on the detail pages.
- Net deposits & withdrawals
- Deposits - The net sum of cash deposits or securities added to the account (equal to the sum of all additions on the account detail pages).
- Withdrawals - The net sum of cash or securities withdrawn, surrendered or transferred out (equal to the sum of all the withdrawals on the account detail pages).
- Dividends, interest & income –The total dividends and interest in each Income Summary section of the detail pages. Any account that can earn income has an Income Summary window on the detail page.
- Change in value – This value represents the effects of market fluctuations on holdings, including fees (excluding margin interest).
- Ending value –The beginning value of the portfolio plus/minus additions, withdrawals, dividends, interest, income and market fluctuations.
What is included in the "Your asset allocation" pie chart on the first page of the statement?
There are six different categories that may appear in the pie chart depending on the investments you own. Only the categories applicable to your investments will be displayed on your statement. The six asset classes include:
- Cash & cash investments
- Fixed income
- Other assets (any position that does not fall in the first five categories or new issues that have not yet been classified by Morningstar® Advisor Workstation)
Learn more about how we classify investments in your asset allocation.
To give you a deeper view of your investments, your asset allocation chart classifies the investments within your mutual funds and the sub-accounts of your variable insurance and annuities. What does this mean in practical terms? Take the example of a mutual fund that invests 90% of its value in equities, 6% in fixed income and 4% in cash investments. Unlike some allocation models that would assign 100% of that mutual fund to the equities category based on the primary investment strategy of the fund, your statement allocation chart assigns the correct percentage to each of the categories the fund invests in.
Are the asset class allocations the same on the statement and in the Portfolio Allocation tab of the secure site on ameriprise.com?
Historically, the financial statement and secure site have shown different views of asset allocation. Depending on your investments, the classifications on the secure site may be different from those on your statement. The secure site offers the ability to drill down into a more detailed asset class breakdown than the six summary-level categories shown on the statement.
How much cash can I withdraw using my banking features?
Below your asset allocation pie chart, the statement shows a value titled "Cash accessible with banking features in your Ameriprise ONE account." This amount includes the cash sweep balances available for withdrawal using features of your Ameriprise ONE® Financial Account like online bill pay, Ameriprise Visa® Debit card and check writing.
We show this useful number on the first page because, in many cases, this amount is different from the aggregate amount of "cash & cash investments" shown in the pie chart. The pie chart can include your accessible cash as well as many types of cash investments which are less readily withdrawn, including cash held in tax-qualified retirement accounts, illiquid cash investments, certificates, short-term treasury bonds and CDs, and the cash portion held within a mutual fund. Learn more about how we classify investments in your asset allocation.
Elan Financial Services is the creditor and issuer of Ameriprise® Visa Signature® credit cards, pursuant to a license from Visa U.S.A. Inc., and does not administer the account Rewards Program.
You may not use your Ameriprise Visa Signature Card account (including, but not limited to, the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities.
Where can I track payment activity and checks written from my Ameriprise ONE Financial Account?
The "Withdrawals" sub-section of "Account Activity Detail" provides information about all types of withdrawals out of your Ameriprise ONE Financial Account, including checks, ATM debits, and electronic payments. Check numbers are displayed in the Description column.
What is the "Value of your investment accounts over time" line graph on the first page of the statement?
This chart provides a five-year view of your account values. Clients who are new to Ameriprise will see this chart after their account(s) have been open for three statement periods.
The black line on the chart gives you up to a five-year view of your aggregate account values so you can quickly see trends over a longer period. This includes things like market performance, reinvested dividends, capital gains and earned interest.
The gray line on the chart shows your deposits and withdrawals over the last five years, including cash and securities. This line does not include market performance, reinvested dividends, capital gains or earned interest. Clients whose portfolio is older than five years may note influences from additions and withdrawals dating back to January 1, 2013 when the data used to plot the gray line was first assembled as an enhancement to the statement design.
- Additions are defined as cash or securities deposited into your accounts.
- Withdrawals are defined as cash or securities taken out of your accounts.
- Does not include additions to or surrenders from third party annuities held in a brokerage account in your portfolio prior to January 1, 2017.
- Does not include any additions to or surrenders from whole life insurance policies in your portfolio.
Where can I find my account numbers?
Account numbers are displayed in the upper right corner on the detail pages of each account.
How are my accounts organized in the "Summary of your accounts" section?
Accounts are organized first by account type, and then by owner within each type:
- Personal accounts (includes trusts, business and non-profits)
- Retirement accounts – tax-qualified (includes IRAs and other retirement plans)
- Education accounts – tax-qualified (includes 529 College Savings Plans held at Ameriprise and Coverdell Education Savings Accounts)
- Insurance (includes RiverSource® insurance)
- Accounts that don't affect your total value (includes non-cash value investments such as term-life, disability and third-party insurance policies, and annuities in payout)
- Ameriprise Rewards Program accounts
- Ameriprise Bank, FSB accounts
Summary of your accounts: lists accounts by title and account type with summary information
- Beginning value – The value of the portfolio at the beginning of the year and of the statement period. Total of all the beginning values on the detail pages.
- Deposits – The net sum of cash deposits or securities added to the account (equal to the sum of all additions on the account detail pages).
- Withdrawals – The net sum of cash or securities redeemed, surrendered or transferred out (equal to the sum of all the withdrawals on the account detail pages).
- Dividends, interest & income – The total of the sums of dividends and interest in each Income Summary section of the detail pages. Any account that can earn income has an Income Summary window on the detail page.
- Change in value – This value represents the effects of market fluctuations on holdings, including fees (excluding margin interest).
- Ending value – The beginning value of the portfolio plus/minus additions, withdrawals, dividends, interest, income and market fluctuations. The Ending value does not reflect pending transactions in your account(s).
Plan contribution and distribution summary: lists contribution activity for qualified investments (retirement investments eligible for tax-deferral benefits)
- Retirement Plan name and ID - a retirement plan may hold more than one account or investment
- Previous year and current year contributions
- Current year distributions
Do cost basis and unrealized gain/loss values represent how much I invested "out-of-pocket" in each investment?
Cost basis and Unrealized Gain/Loss numbers can help you understand the potential tax implications of selling a holding, but do not reflect the performance or total return of that holding. These numbers are adjusted to include both the amount you've invested "out-of-pocket" over time and any automatically reinvested earnings. As the cost basis number is adjusted for each reinvested dividend, you may see lower-then-expected gains or unrealized losses even for holdings that generated income for you or are worth more than the amount you paid "out-of-pocket."
Do not rely on Cost basis and Unrealized Gain/Loss numbers to show how your holding have preformed. If you'd like to review the performance of your accounts, your financial advisor can help.
Can I get a statement that shows only specific accounts?
You can request that we create a special Consolidated Statement (CST) group if you want to combine or separate accounts that appear on your financial statement.
Note: Accounts in Pension Groups are not eligible for special CST arrangements. Household groups and pension groups cannot be combined into one statement using a CST group. The statements have different formats and they cannot be combined for legal reasons.
If you would like to combine or separate accounts on your statement, contact us using the information at the bottom of this page.
Why is my spouse's (child's, trust's, etc.) name displayed on the statement instead of mine? Why isn't my name listed first?
The financial statement summary pages and mailer page have room for two names and client IDs. If there are more than two account owners in the group, two names are selected each time a statement is created, based on a set of rules and in our statement system.
If you would like to request specific names to be listed or change the order in which the names appear on the summary and mailer pages, contact us using the information at the bottom of this page.
Where can I find required minimum distribution (RMD) information on my financial statement?
If you, or any clients within your household, have an RMD for the current year, your statement will display a section called "Required Minimum Distribution (RMD)." This section will include information for the products that are included in your year-end tax reporting from Ameriprise, including RiverSource® annuities held within an Ameriprise® brokerage account or Managed Account investment. Each time you receive a statement, you will see the current amount remaining by plan so you can see how much you still need to take to meet the requirement by year-end. For more information about the remaining RMD amount see the following question.
Note: The information on the financial statement doesn't take into consideration any IRA or retirement plan assets held outside of Ameriprise. This includes third party annuities that may appear on your Ameriprise financial statement but are not included in the tax reporting you receive from Ameriprise. You should receive RMD information from these plans directly from the company that issued the annuity.
For more information about RMDs, see Required minimum distribution FAQ.
How is the "Remaining RMD amount for this plan" calculated?
In the RMD section of the financial statement, each IRA plan you own is listed on a separate line. The calculations are done holistically across each of your plans.
Therefore, if you’ve taken your entire RMD distribution from just one of the plans, the financial statement will not show the remaining amount for the current year for any other plans that you own at Ameriprise.
If you close certain RiverSource® annuity IRA accounts during the year, that account and its distribution information will no longer appear on the financial statement or in the RMD window. However, distributions you took from that plan during the year may be counted towards fulfilling your RMD for that IRA plan for the year.
To make sure you take the full required amount you must consider and review the distributions taken from all your plans, at Ameriprise and elsewhere.
If I requested a copy of my statement to be sent to a third-party, can I view that information on my statement?
Yes, you will find this information on the mailer page of your statement. We can list up to two duplicate statement arrangements. If you have more than two arrangements, you can view them on the secure site at ameriprise.com under Account Statements.
Will my duplicate statement arrangements appear on the duplicate statement?
No, the duplicate information will not appear on the duplicate statements. It only appears on your version of the statement.