Lowery & Associates

A financial advisory practice of Ameriprise Financial Services, Inc

Our Approach: What are your dreams and goals for retirement? We can help you achieve them with our exclusive Confident Retirement® approach. It all starts with a personalized conversation, where we'll discuss retirement needs - covering essentials, ensuring lifestyle, preparing for the unexpected, and leaving a legacy. By breaking retirement down into doable steps, we can help take the uncertainty out of planning for your financial future. Areas of Focus: •Retirement Planning Strategies •Investments •Retirement Plan Distribution •Wealth Preservation Strategies •IRA Rollover •Tax Planning Strategies •Retirement Income Strategies •Insurance •Saving for Education Rick Qualifications: Masters of Business Administration CRPC® Chartered Retirement Planning Counselor Rick's Education: Master of Business Administration, Wharton School, Univ of Pa., 1977, B.S. Mechanical Engineering, Univ. of Michigan, Ann Arbor, 1973 Mark Qualifications: CRPC® Chartered Retirement Planning Counselor APMA® Accredited Portfolio Management Advisor Mark's Education: B.S. Business Administration, Marquette University, 2002 Working with us: Meeting with an Ameriprise financial advisor is an important first step. It's an opportunity to get to know an advisor and share your goals and dreams. You're under no obligation; your initial meeting with an Ameriprise financial advisor will be relaxed and informal. Your meeting will include a review of your existing financial situation and potential opportunities, gaps or general strategies. While you won't receive a comprehensive review or financial planning services for which fees are charged, you should expect to get a sense of what it might be like to work together. What to expect: •Professional help in clarifying your financial goals and priorities •If you decide to purchase a financial planning service, you will receive sound financial advice at a fair price, tailored to your investment objectives •Accurate information about our tailored solutions, including risks, benefits and costs What to bring: •A list of any questions you have regarding your current financial situation •Any account statements, budget information or other areas of your financial life that you feel deserve immediate attention •A list of future dreams and financial goals you would like to achieve, including both short- and long-term goals Richard Lowery is licensed and registered to conduct business in WI. Based on licenses and registrations he holds, he may also conduct business in FL, AK, OH, WA, MN, CO, VA, GA, SD, MI, CA, AR, KY, NY. Mark Lowery is licensed and registered to conduct business in WI. Based on licenses and registrations he holds, he may also conduct business in FL, AK, OH, MN, CO, VA, GA, MI, CA, AR. Ameriprise Financial Services, Inc. is a broker-dealer and member of FINRA. Comments and "likes" should not be considered representative of client experiences, or indicative of future performance or success. While I appreciate the support of my clients, I cannot accept Recommendations or Endorsements due to Investment Advisers Act of 1940 rules which prohibit me from publishing a testimonial of any kind concerning the investment advice, analysis, reporting or other services I provide. For your privacy, please don’t post account or service-related information on this page. Instead, contact me directly. Please visit www.ameriprise.com/social for more important disclosures and information.

When it comes to retirement planning, we believe it’s important to ask the right questions to make sound decisions. Get in touch so we can start answering your questions.


How would a Fed rate cut affect your credit cards, home equity lines and bank savings

The Fed is hinting at a potential rate cut later this month. Learn how this could impact your everyday finances.

usatoday.com The Federal Reserve seems poised to cut rates for the first time in a decade. How would a cut affect your credit cards, home equity lines, savings.


3 economic factors to monitor in retirement

Markets will rise and fall, but there are many things you can do to protect your retirement savings. Together, we can fine-tune your investment portfolio to make sure you stay on track long into retirement.

ameripriseadvisors.com Learn what to keep tabs on with help from your advisor.


How to Save Money When Online Grocery Shopping

Do you shop for groceries online? Shopping online with a little planning could help keep more money in your pocket.

money.usnews.com Take advantage of online tools and budgeting strategies when shopping for groceries online.

Are home improvements on your to-do list this summer? Check in with us for help with saving or accessing funds for your next project.


Switching jobs? Don't make these mistakes with your retirement plan

If you’re changing jobs, you have options when it comes to your old employer’s 401(k).

cnbc.com If you're packing up your desk and heading for better career opportunities, don't forget to review your 401(k) plan. You can keep your money where it is, move it to your new 401(k) or roll it to an IRA. How to decide.


5 Money Mistakes That Recent Grads Make

For the recent college grads in your life, here are some tips to help them avoid overspending and start “adulting.”

forbes.com Since most universities don’t provide financial literacy education, college graduates are left with little to no knowledge when it comes to managing their money. For those of you that have recently entered the real world, avoid making these mistakes and you’ll already be ahead of the game.

Wishing you and yours a safe Independence Day.

Ameriprise provides secure online access to all your accounts. You can see your financial goals and your progress toward them, as well as how the investments and solutions you own are performing.

Happy first day of summer! We are looking forward to boat rides, swimming in lakes, spending time with friends and family outdoors. What are your summer plans?


Do you plan to retire by 50? Great, but can you cover your health care?

If your goal is to retire early, you may be too young for Medicare. Learn about options that could help bridge the healthcare gap for younger retirees.

usatoday.com Don’t let health insurance derail your early retirement. Without a job or Medicare, what health care options remain? A handful, it turns out.

Happy Father's Day!

Mark is enjoying spending some time in Michigan, and one highlight was showing his daughters one of his favorite places. Amelia is on the left; Hannah is on the right.

Investors are confident about their financial futures but are worried for the next generation, according to the Ameriprise Modern Money study (ameriprise.com/modernmoney). Let’s talk soon about helping the young people in your life get started on the right financial path.


How to maximize Social Security

Knowing when to start taking Social Security benefits is an important part of your retirement strategy.

ameripriseadvisors.com Did you know you have some control over how much social security benefits you receive? Check out these tips to maximize your Social Security benefits.


Kids are increasingly worried about paying for college

High school students are more cost-conscious than ever when it comes to choosing a school. Find out how they plan to pay for college.

cnbc.com As college tuition skyrockets, the next generation of students is more cautious about higher education costs than ever before, according to the College Savings Foundation's survey of high school students across the country.


More baby boomers stay in their homes as they reach retirement, skipping downsizing

Many boomers are opting to stay in their homes rather than downsizing. Where do you plan to live in retirement?

usatoday.com Many Baby boomers are staying in the houses in which they raised their kids even when they become empty-nesters and retire

Setting specific financial goals can help boost your financial confidence and increase your chances for success.


Should you really do nothing amid market volatility? It depends on whether you're 27 or 63

Market swings can mean different things depending on your stage in life. Learn how fluctuating markets can have an impact at any age.

cnbc.com As the longest bull market in history possibly wanes, it can be helpful to turn your attention to your own timeline. Here's how you should react and plan for volatility, depending on your age.


What does a financial advisor do?

We work hard to help you feel financially confident. Here’s a glimpse of what we do behind the scenes to support each of our clients.

ameripriseadvisors.com Find out more about financial advisory services and the value advisors bring.

To all the men and women in our armed forces, thank you for your service.


Dow stock swings are exhausting, but here's how to survive

While market swings can be concerning, it’s important to keep things in perspective. If you have concerns about the impact of volatility on your finances, let’s talk.

usatoday.com Massive intraday swings in the Dow Jones industrial average can test even the steeliest investor. What you need is a little perspective.


7 out of 10 adults over age 50 get this wrong about Social Security: Survey

Claiming Social Security benefits earlier than full retirement age could have an impact on your cash flow down the road. We can help you see how Social Security can fit with your potential retirement income sources.

cnbc.com It's tempting to file for Social Security benefits as soon as you can, yet you're risking a permanent hit to your cash flow if you file too early. Here's what people misunderstand about this key stream of retirement income.


Scammers Like to Target Retirees. Here Are Some Ways to Protect Yourself.

Learn what steps you can take to help protect yourself or a parent from scammers.

barrons.com Even among healthy older adults, age-related changes in the brain can make people more susceptible to financial exploitations, according to research.


The Conversation Gen Xers Must Have With Their Boomer Parents

When it comes to caring for their Boomer parents, Gen X is learning that communication is key. Learn how having family money talks can help lower stress down the road.

forbes.com As Gen X enters middle age, helping their parents with financial issues is a right of passage. Gen X and personal finance expert, Megan Gorman, discusses how Gen X can help their Boomer parents navigate these financial challenges.


5 ways to cut your 2019 tax bill now

Now that 2018 tax season has ended, it may be a good time to take another look at your withholdings. Talk with your tax advisor about what you can do now to help lower your 2019 tax bill.

usatoday.com You filed your 2018 tax return. Don’t stuff it in a file cabinet just yet. Review it to uncover steps you can take now to lower your 2019 tax bill.

[05/02/19]   Nine in 10 adult children say a life-altering event prompted an estate planning talk with their parents. We can help your family with money talks across generations.

Ameriprise Research: Although the S&P 500 is near an all-time high, the average stock in the Index is still 12.3% away from its 52-week top, suggesting room for equity prices to rise if the environment continues to improve.


How rebalancing helps you weather the market’s waves

Rebalancing your investments could help you manage risk and stay on track toward your goals. Let’s talk about how it could work for you.

Did you know that regular rebalancing can help manage risk and keep you aligned with your goals? Learn more about how it can work for you.


These 4 Work Perks Are Basically Free Money

Are you taking advantage of the perks offered by your employer?

realsimple.com Here’s how to take advantage of them.

When you prepare for whatever life brings — both the expected and the unexpected – you feel more confident. Let’s talk about your goals and how you can achieve them.


Modern Money: Financial attitudes are shifting

The Ameriprise Modern Money study reveals that parents today are helping children more with financial milestones than past generations. Learn how to stay on track with your financial goals and talk with your family about money.

ameriprise.com Learn how financial circumstances and attitudes towards money have evolved over time.

[04/15/19]   Today is the deadline to file your 2018 tax return. If you expect a refund, let’s talk about how you can put it to work toward achieving your goals.

[04/10/19]   Families who openly discuss financial topics like estate planning feel more confident, according to the Family Wealth Checkup study from Ameriprise (https://bit.ly/2TOrNmP). Celebrate #NationalSiblingsDay by reaching out to your family members to start the conversation.


Financial scam red flags

Can you spot a financial scam? Learn the red flags of the most common types of fraud.

ameripriseadvisors.com Every year, thousands of people fall prey to financial scams. Learn what to watch out for and how you can protect yourself.


Ameriprise Advisor

Did you know that we have financial articles on our website? If you see something that interests you, let’s discuss how you can use it to help achieve your goals. #FinancialLiteracyMonth https://www.ameripriseadvisors.com/team/lowery-associates/

ameripriseadvisors.com Ameriprise Advisors - Lowery & Associates in Appleton, WI

Today is a special day at Lowery & Associates--it's Rick's birthday! We hope you have a Happy Birthday, Rick! This picture features Rick's fan club, his 10 grandchildren (and his wife, Jane).


Saving For Specific Goals May Keep You More Disciplined

Whether you’re saving for college, a new home, a wedding or even a dream vacation, setting specific goals could potentially change your financial behavior for the better.

thestreet.com While some financial planners favor looking at overall returns, others see value in dividing up pools of money depending on the goals involved.


3 tips to help you maximize your Social Security benefit amount

It can pay — literally — to know the Social Security rules.

ameriprise.com Social Security rules can be complex and confusing. Make sure you know the benefits you’re entitled to receive.

Mark's girls, Amelia and Hannah, are excited for the basketball tournament to begin today! They love to show off their favorite team! Who are you cheering for?


Less debt, more savings

Working to increase your savings can sometimes mean reducing debt. We can help you develop an approach to save more toward your goals so you’ll feel more confident about your financial life.

ameriprise.com Here are tips to pay debt down so you can save more and achieve your goals.


Top financial mistakes in retirement

Stay confident in retirement by steering clear of these common pitfalls.

ameripriseadvisors.com You've worked hard to earn your retirement. Make your assets last by avoiding these common retirement mistakes.

Want to sweeten your financial life? Let’s talk about how to prioritize all the pieces of the pie to achieve your goals. #piday

Mark had so much fun at the minor league basketball game last week, that his nephews and niece wanted to check out a game too. Logan, Luke, and Jennifer Wallace also had a great time! They were star struck! Has anyone else been to a Wisconsin Herd game?

The team at Lowery & Associates loves to follow their favorite basketball teams. On Wednesday, Mark and a group of fellow sports fans attended a local minor league basketball game. A good time was had by all!

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35 Park Pl, Ste 300
Appleton, WI

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 15:30
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