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.
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Retirement countdown milestones: 4 strategic actions
This key pre-retirement planning checklist may potentially help you boost your future income.
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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.
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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.
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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.
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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.
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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.
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Retire and roam: Financial tips for traveling in retirement
For many, retirement means the freedom and flexibility to travel. Before you pack your bags, here are a few tips.
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Take control of your 401(k) in-service distributions
An in-service distribution lets you transfer money from your 401k to an IRA while still employed. See if an ISD is right for you.
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Is your 401(k) ready for market volatility?
With more market fluctuations likely ahead, here’s what to consider with your 401(k) and steps you can take to prepare.
Read moreRetirement Savings Calculator
Get a better sense of what you may need to save for retirement.
Try this calculator to get a comparison
Compare these figures with or without help from Social Security
- In today's money
- In 2039 money
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.
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Passive income: 5 strategies for investors to understand
Learn which strategies may be right for you.
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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.
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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.
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How rebalancing can help you stay the course
Rebalancing your portfolio can help you fight instincts to sideline assets when markets get rough.
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3 tips for short-term investing
Short-term investment strategies differ from long-term strategies. Review our investment tips to help you plan for a short investment time horizon.
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Preparing your investment portfolio for the unexpected
Stock market movements from deep lows to record highs over the past year reaffirm the importance of maintaining a balanced mix of investments.
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6 key principles for long-term investors
Time-tested basics to inform your investment portfolio decisions and support your financial goals.
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3 strategies to help reduce investment risk
How can you mitigate investment risk? Consider these investment strategies to help reduce investment risk & potentially earn more consistent returns over time.
Read moreTaxes
You spend years accumulating retirement savings. So it’s important to not let taxes diminish you savings more than necessary. Read these tax tips so that you can help your assets last longer and optimize savings toward 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.
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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.
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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.
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Use your tax refund to reach your financial goals
Consider these 7 ways to make your tax refund work for you.
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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.
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6 common tax mistakes for investors to avoid
Watch for these common missteps to help lessen the impact of taxes on your investment portfolio.
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8 ways to potentially lower your taxes
Consider these strategies to potentially reduce your taxes.
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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.
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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.
Accelerated Debt Payoff Calculator
Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.
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6 strategies to manage economic uncertainty
Tips on managing the economic uncertainties of a difficult job market, inflation and high interest rates.
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Smart strategies for minimizing expenses
Cut spending and save more by incorporating these strategies into your financial routine.
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4 financial considerations for women
Women face several unique factors that can have a big impact on their financial life.
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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.
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5 smart actions for the new year
Start 2024 on a strong note by reviewing this beginning-of-the-year financial checklist.
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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.
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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.
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Organizing your financial records: 6 steps
Explore strategies to efficiently organize, retain and dispose of important financial documents.
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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.
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7 things to consider during open enrollment
Open enrollment is your annual chance to ensure all your benefit selections are aligned with your financial and health goals. Here are 7 things to keep in mind during this window.
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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.
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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.
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Creating an expense management strategy
Learn 5 best practices for balancing your income, savings and spending.
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3 ways estate planning can benefit you and your family
You can help your loved ones carry out your wishes someday. Learn 3 reasons why estate planning is beneficial for you and your family.
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What should you do with your old 401(k) when you change jobs?
When you change jobs, you have several choices regarding what to do with your 401(k). Learn about your options.
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How to plan for a major purchase
Planning for a significant purchase or financing a major life event can be exciting. How to create a strategy that works for you.
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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.
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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.
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How to prepare for the unexpected in 3 key areas
As priorities shift, 62% of respondents to our Financial Priorities study said financially preparing for uncertainty is more important now. Consider taking action across three key areas.
Read moreHousehold Budget Calculator
Use this household budget calculator to identify your income and how you spend your money to bring more awareness to your budget.
Fill out your budget below
While Ameriprise has been diligent in attempting to provide accurate calculations, the accuracy of the information cannot be guaranteed. This information should not be used as a sole basis for investment decisions and may not meet the particular needs of an individual investor.
Start with your monthly income.
While Ameriprise has been diligent in attempting to provide accurate calculations, the accuracy of the information cannot be guaranteed. This information should not be used as a sole basis for investment decisions and may not meet the particular needs of an individual investor.
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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.
529 plans: frequently asked questions
Learn the ins and outs of 529 plans and why they’re a popular savings vehicle for paying for college.
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Tax strategies for college savings and gifting
Find out how you can you use the tax code to your benefit when saving or gifting money for a loved one’s education.
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Saving for college: What to know about your options
Understand the different saving vehicles to help stay ahead of rising education expenses and reach your goals.
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Student debt and college loans, explained
Get answers to your most pressing questions about school loans and student debt.
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Paying 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.
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Financial planning for college: What to know before you start saving
Whether your child is an infant or in elementary school, learn what to consider as you begin to set a goal for your child’s education.
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How to save for college and retirement at the same time
Follow these 3 simple steps for help balancing 2 of life’s most significant financial goals.
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7 strategies for managing student loan debt
How to strategically manage your debt and balance student loan repayment with other financial priorities.
Read moreCollege Savings Calculator
Estimate how much you might need to save up for when planning education expenses for you or a loved one.
Step (1) Select who is attending college below
Step (2) Enter how many years until they start college
The results provided by this calculator are estimates based on the information supplied and are not meant to imply any specific investment or guaranteed rate of return.
We've made some assumptions that you can change below to show a more accurate cost figure.
You will need to save
The results provided by this calculator are estimates based on the information supplied and are not meant to imply any specific investment or guaranteed rate of return.
If this number is too big, see how you can reduce out-of-pocket costs below.
You will need to save approximately
The results provided by this calculator are estimates based on the information supplied and are not meant to imply any specific investment or guaranteed rate of return.
A preferred workplace financial planning partner.
Joseph John Skwara Jr
CFP®, CFS®
Financial Advisor
CERTIFIED FINANCIAL PLANNER™ practitioner
856.741.8000 joseph.j.skwara@ampf.com
Complimentary 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.
