Ameriprise Financial Planning

Ameriprise
Financial Planning
A complete way to plan for your
dreams and goals.
Feel more optimistic
about your financial future.
People who have a financial planning relationship with an
advisor tend to have a more optimistic financial outlook:
> 81% of those with a financial plan feel they have a clear
financial direction.
> 74% of those with a plan feel confident that they can cope
with the financial impact of unexpected events.
> 69% of people in a financial planning relationship feel prepared
to reach their goals even in today’s turbulent markets.
Source: Ameriprise Financial Longitudinal Study—1st quarter 2010

A complete and
disciplined strategy
Reaching all your dreams and goals requires
integrated, long-term financial planning strategies.
We’ll provide the insights and planning required
to help you fulfill all of your dreams.
At Ameriprise Financial, we know that solving
financial issues one at a time makes it harder for you
to get to where you want to be. Taking a disciplined,
integrated approach to planning for your dreams
and goals is the best way to reach them.
Getting the support you need through a strong,
long-term personal financial planning relationship
can help you feel confident that you’re:
> Leveraging the opportunities — and addressing
the issues — that come with each life milestone.
> Finding and closing gaps that could prevent you
from achieving your dreams.
> Addressing the more complex—and meaningful
—areas of your financial life, such as caring for
your heirs.
> Tracking progress toward all of your goals at
once and making adjustments to your plan.
Time and time again, we’ve seen the Ameriprise
financial planning process work for our clients—
and that’s why we believe it is the right one for you.
> Taking a coordinated and thoughtful approach
to planning for all your dreams and goals and
making decisions based on an integrated view of
your financial life today and in the future.
At the core of our relationship is our Dream > Plan > Track > ® approach. It’s guided by a
financial planning process defined by the Certified Financial Planner Board of Standards, Inc.
Here’s how it works:
Identify
and prioritize
objectives
Gather
information
Analyze
information
Propose
recommendations
Take
action
Track
ongoing
progress

The Ameriprise Advantage
A strong and stable company
We’re America’s largest financial
planning company 1 , with more
CERTIFIED FINANCIAL PLANNER
professionals and financial planning
clients than any other firm. 2
A broad client-focused reach
We have approximately 10,000
branded financial advisors serving
clients nationwide. 3
A unique approach
Our approach to planning centers on
establishing a personal relationship
with our clients, developing an
understanding of their dreams and
goals, and committing to working in
their best interests over the long term.

We’ll take a look at seven key areas
Once you’ve defined your dreams, creating a financial plan focuses on seven key areas that will
help you identify and avoid obstacles, and establish clear strategies to get you where you want to be
at every stage of your life.
1. Gain a clear understanding of your current financial situation
We’ll analyze where you are today and where you want to be at various points in the future.
• What are your goals and dreams for the future?
• What steps have you already taken to achieve your goals?
• How do you track and manage your cash flow?
2. Help you protect what’s important
Together, we can devise strategies to help protect you, your loved ones, and your assets against unexpected situations.
• How could unexpected events derail your dreams and those of the people you care about?
• What can you absolutely not afford to lose?
• How will you provide for your dependents after you’re gone?
• What steps have you taken to prepare for illness, disability and long-term care needs?
3. Help you build your wealth
We’ll create interdependent strategies to align saving, borrowing and investing with each of your goals.
• What are your short-term, medium-term and long-term goals?
• How are your current financial strategies aligned with these goals?
• How will you know when you’ve saved enough to achieve a specific goal?
• What are your feelings about market risk versus the risk of falling short of your goals?
4. Manage your tax situation
We’ll examine ways to manage current taxes and create flexible tax-planning options for the future.
• What are you currently doing to manage your taxes?
• Do you take steps to manage the timing of income and deductions?
• How do you stay up on tax-law changes that may affect your situation?
• What investing strategies, such as 401(k)s, IRAs, and Roth IRAs, are you using to help manage taxes?

5. Plan for retirement
For retirement, we’ll plan ahead to take advantage of potential growth opportunities and establish effective distribution options.
• What do you dream of doing in retirement?
• What steps have you taken to lay the foundation for your dream retirement?
• Have you planned for your tax situation after you retire?
• How long do you plan to spend in retirement? Are you sure your assets will last through it?
6. Help you leave a meaningful legacy
We’ll design ways to help ensure you leave something meaningful to the people and organizations you care about.
• How would you like your assets distributed after you are gone?
• What estate planning decisions have you already made?
• Do you want to leave assets to individuals, charities, community organizations, schools or a combination
of beneficiaries?
• Are you confident your estate plan will give you the control to fulfill all your wishes?
7. Integrate your workplace benefits into your overall plan
We’ll integrate your workplace benefits into your plan to achieve your goals and mitigate potential problems.
• Are you taking full advantage of all of your workplace benefits?
• Do you feel you are managing all your sources of income, including employer contributions and stock, effectively?
• Do you need to supplement your workplace life and disability coverage with personal policies?
• How do your workplace benefits fit in with your other investment portfolios, insurance policies and overall financial
diversification strategies?
Next Steps
Are you ready to enjoy the benefits of taking
a complete, holistic and integrated approach
to planning your financial life and achieving
your dreams? We can do it together. Let’s get
started today.

Financial Planning Retirement Investments Insurance Banking
Ameriprise Financial
589 Ameriprise Financial Center, Minneapolis. MN 55474
ameriprise.com
1 Based on the number of financial plans annually disclosed in Form ADV, Part 1A, Item 5, available at adviserinfo.sec.gov as of Dec. 31, 2009,
and the number of CFP® professionals documented by the Certified Financial Planner Board of Standards, Inc.
2 Source: Certified Financial Planner Board of Standards, Inc. and based on the number of financial planning clients disclosed annually, as of
each firm’s year-end, by registered investment advisors on www.adviserinfo.sec.gov as of Dec. 31, 2009. There is no guarantee that you will
work with an advisor with a CFP® certification.
3 Source: Ameriprise Financial Second Quarter 2010 Statistical Supplement, July 28, 2010.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
Some products and services may not be available in all jurisdictions or to all clients.
Ameriprise Financial cannot guarantee future financial results.
Neither Ameriprise Financial nor its affiliates may provide tax or legal advice. Consult with your tax advisor or attorney regarding specific tax issues.
© 2010 Ameriprise Financial, Inc. All rights reserved.
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