Our approach

Navigate the present while staying focused on your financial future with our exclusive Confident Retirement® approach. Ameriprise advisors will guide you – first by gaining an understanding of your goals, then by providing the personalized advice to help you reach them.

How the Confident Retirement approach works

Our Confident Retirement approach can help ensure you’re prepared for your financial future starting with your current situation. Together, you and your advisor identify actionable steps to help you bring your goals to life. The strategies you design together will address four key needs:

 

Covering Essentials

Essentials are the necessities - the monthly expenses that keep your life running. Your advisor helps you make the most of your income, build a cash reserve and cover essential expenses in retirement with guaranteed or stable income.

 

Ensuring Lifestyle

Lifestyle is about the things you want to do and how you want to live today and in the future. Your advisor helps you build an investment strategy based on your specific goals. In retirement, they’ll help identify a flexible and effective withdrawal plan.

 

Preparing for the Unexpected

The unexpected are events that could derail your plans. Your advisor helps you protect yourself from the certainty of uncertainty by covering the unexpected.

 

Leaving a Legacy

Legacy is about the impact you'll make on the people, charities, and causes that are important to you. Your advisor can help you plan now to maximize your giving and make your wishes known.

 

Prepare for your financial future no matter where you are in life

Get an idea of how a conversation with an advisor can help you. Check your financial confidence and see how you compare to Ameriprise clients in four key areas of your finances.

How confident are you that you'll be able to afford any unexpected expenses in the future? THE 3-MINUTE CONFIDENT RETIREMENT®CHECK

of clients who have had the Confident Retirement conversation feel more confident about retirement.1

of Ameriprise clients who have gone through the Confident Retirement approach feel confident they can cover these costs, making them 4% more likely to feel this way than the U.S. average.2

 

Great! Let's look at some other aspects of your finances.

of Ameriprise clients who have gone through the Confident Retirement approach feel confident they can cover these costs, making them 4% more likely to feel this way than the U.S. average.2

 

Nice start; let's plan next steps.

of Ameriprise clients who have gone through the Confident Retirement approach feel confident they can cover these costs, making them 4% more likely to feel this way than the U.S. average.2

 

It's never too late to start.

Our advisors care about what matters most to you.

Plan for your financial future through personalized financial advice from our advisors. Read more about what it’s like working with an Ameriprise financial advisor.

Ameriprise Financial Confident Retirement Client Survey results form May 2012 through March 2020.  Question presented to survey participants: “Please share with us your overall evaluation of the retirement-related conversation you had with the Ameriprise financial advisor. To what extent do you agree or disagree with the following statements?” Results reflect top-2-box scoring methodology, wherein the percentage of the top two scores (“strongly agree” and “somewhat agree”) are presented. 
2 Based on a sample of 1,170 clients surveyed in January 2017 who have had the Confident Retirement approach conversation with their advisor and 1,000 general population respondents.
Ameriprise Financial cannot guarantee future financial results.
The Confident Retirement approach is not a guarantee of future financial results.
Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.