Our Confident Retirement® approach
Available only from Ameriprise Financial, our exclusive Confident Retirement approach focuses on what you want out of retirement and what you need to do to make it happen. It's practical and realistic. It breaks down a comprehensive planning process into understandable, doable steps.
Our Confident Retirement approach is designed to help people feel confident about their financial future by addressing the four key needs that are critical to planning for retirement.
Essentials are the necessities — the monthly expenses that keep your life running, like housing, food, utilities and medical expenses. Cover these expenses with guaranteed or stable income sources. This addresses your basic needs first so you can have more peace of mind.
Lifestyle is about the things you want to do and how you want to live, today and in the future. Build a flexible investment and withdrawal plan to help ensure your lifestyle. Develop a plan for income that can allow for the things that will make your retirement enjoyable — traveling, dining out, perhaps a second home.
Preparing for the unexpected
The unexpected are events that could derail your plans. There are three aspects of unexpected events that have the potential to derail an otherwise smooth retirement journey: illness that requires long-term care or rehabilitation, accidents that involve property loss or personal liability, and the premature death of a spouse or other loved one.
Leaving a legacy
Legacy is about the impact you'll make on the people, charities and causes that are important to you. Plan now to maximize your giving and make your wishes known. Everyone leaves a legacy. Thinking about it now can help ensure that more of what you've worked so hard for goes where you want it to go.
Our Confident Retirement approach helps take the stress out of planning for retirement. Our 3-Minute Confident Retirement® check can help you start to gauge your own retirement readiness and see where you stand.
Get a confidence boost
Through your company’s financial wellness program, you have the opportunity to sit down for a no-obligation complimentary initial consultation. It’s a chance for you to ask questions; talk informally about your dreams, goals and financial needs; and get to know your financial wellness provider. The conversation will include a review of your existing financial retirement situation and potential opportunities, gaps or general strategies. You will not receive a comprehensive review or financial planning services for which fees are charged.