The Ameriprise Confident Retirement® approach can help you create a plan that gives you reliable retirement income for life and manages risk so you don't outlive your savings.1 You'll have the confidence to enjoy retirement to the fullest.
1
Cover essential expenses
Use guaranteed and stable income sources2
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Understand your options for claiming Social Security
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Consider an annuity for a lifetime of income
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Manage cash flow with a bucket strategy to ensure you have enough income to pay bills
2
Create lifestyle income
Focus on what you want today and in the future
- Carefully plan a sustainable withdrawal rate that can be adjusted as spending patterns change
- Apply the principles of a sound retirement portfolio to your investments
- Manage cash flow using the bucket strategy to help protect savings to use in the future
3
Effectively manage taxes
Keep more of your savings
- During your earning years, create tax diversification for tax-efficient withdrawals
- Understand how asset location can impact taxes
- Learn about tax-loss harvesting
The Confident Retirement® approach
Income that can last a lifetime
The Ameriprise Confident Retirement approach provides pre-retirees and retirees a straightforward framework to create a sound retirement plan to create income that can last a lifetime.
This exclusive approach is designed to help plan an income stream that covers both essential and lifestyle expenses, prepares you to address unexpected events and leave a legacy to family or charitable organizations.
1 The Confident Retirement approach is not a guarantee of future financial results.
2 Guarantee, as used in this material, depends upon the ability of the issuing entity to honor and pay the amount you may be entitled to. U.S. government bonds are backed by the full faith and credit of the U.S. government. CDs are FDIC-insured up to $250,000 per depositor. Insurance and annuity products are backed only by the continued claims paying ability of the issuing company. It is possible that an issuing entity may not be financially able to meet income guarantee obligations.