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.

forbes.com

Retirement Planning Tips From Man’s Best Friend

From daily exercise to spending less, here are five retirement lessons you can learn from your furry friend.

forbes.com Your dog can inspire you to make important retirement decisions.

cnbc.com

'I wasted so much money ...' Millennials share their top financial regrets to help Gen Z get started

Set goals. Give back. Millennials share four financial lessons for the next generation. What tips would you add to the list?

cnbc.com We all have financial regrets. Here's what millennials want Gen Z to know about money behaviors they, too, might feel bad about in the future.

newsroom.ameriprise.com

Investors Appear Unfazed by the Surge in Coronavirus Cases – Are They Becoming Complacent? | Ameriprise Newsroom

U.S. COVID-19 cases and stock prices are both on the rise. Will the health care crisis take precedence in the mind of investors? Ameriprise Chief Market Strategist David Joy weighs in.

newsroom.ameriprise.com 07/13/2020 David Joy After their strongest quarter since 1998 in the second quarter, U.S. stocks have picked up right where they left off to start the third. After climbing 1.8 percent last week, the S&P® 500 index is higher by 2.7 percent since June 30, with positive returns in five of the seven t...

money.usnews.com

8 Myths About Social Security

Social Security is anything but simple – and mistakes can be costly. Here are some of the most common myths and misconceptions.

money.usnews.com Separate Social Security facts from fiction to make the most of your benefit during retirement.

If you’re saving for a new deck, an upgraded kitchen or any other home improvement project, we can help you plan to achieve these goals.

Setting financial goals may seem daunting in times like these but the sooner you document your goals, the sooner you can begin achieving them. Let's connect and begin outlining your goals.

time.com

5 Smart Ways to Grow Your Emergency Fund in 2020

Making ongoing contributions a habit will help ensure your emergency fund is there when you need it. No matter where you stand financially today, here are tips to increase your savings.

time.com Building an emergency fund can be hard, but there are simple ways you can make it easier.

Happy Independence Day!

Selling out of the market because of short-term volatility can lead to missed opportunities. Contact us to discuss your long-term investing goals.

ameriprise.com

How COVID-19 could change economies and markets forever | Ameriprise Financial

COVID-19's long lasting impact could fundamentally reshape consumer and corporate behavior. Here's how.

ameriprise.com The effects of COVID-19 are vast. Individuals, businesses and governments around the world have faced personal and financial impacts. As a result, material changes to spending patterns could have long-term implications as new habits emerge.

cnbc.com

Tax Day is about a month away. Are you ready?

Remember: Tax day is now July 15. If you have questions about your income taxes, we can help, along with your tax professional.

cnbc.com Whether you're rebuilding your cash cushion or you're squirreling away a few dollars for a summer getaway, make sure you claim your 2019 tax refund from the IRS. Federal income tax returns are due July 15.

ameriprise.com

Systematic savings

Continuing to save, even during challenging times, is more achievable when you automate your savings. We're here to help you with savings strategies and other ways to meet your long-term goals.

ameriprise.com Learn how a systematic savings plan can help build your cash reserve.

Summer is here! Wishing you a season filled with sunshine and warm memories.

[06/17/20]   Your health and well-being are a top priority to us, and we remain committed to helping you reach your goals. Following public health guidelines, we welcome clients to the office for a limited amount of onsite meetings and continue to support clients virtually by phone or online. We look forward to connecting with you soon in the way that is most comfortable for you.

ameripriseadvisors.com

What to know about Social Security survivor benefits

Social security survivor benefits are important, but often overlooked. We can provide personalized advice to help you maximize the benefit amount available to your family.

ameripriseadvisors.com Social Security survivor benefits are easy to overlook but can serve as an important source of financial protection for your family.

realsimple.com

5 Things You Shouldn’t Tell Your Kids About Your Finances—and 5 You Should

Talking with children about money – early and often – can help them develop strong financial habits as they grow. Here are helpful do’s and don’t to guide your conversations.

realsimple.com Yes, communication is important, and children deserve the truth. But not the whole truth, especially when it comes to your finances! Best-selling personal finance expert Beth Kobliner, author of "Make Your Kid a Money Genius," outlines healthy boundaries for talking about money with children.

ameripriseadvisors.com

When should you start collecting Social Security benefits?

The age you begin collecting Social Security impacts your lifetime benefits. We can help you choose a date that fits your long-term financial goals, and your current priorities.

ameripriseadvisors.com Here are important factors to consider before you decide when to start collecting Social Security.

Together, we can help you stay focused on achieving your long-term goals – no matter what the short-term might bring.

ameripriseadvisors.com

How to step up retirement savings

A down market may be an ideal time to save more for retirement and take advantage of lower prices on investments. Here are five ways to boost your retirement savings. For more insights, contact US.

ameripriseadvisors.com What’s the best way to save for retirement? Learn how to develop a smart retirement savings strategy and follow our advice on ways to save for retirement now.

money.com

The New Graduate’s Guide to Finding a Job, Paying Off Loans, and Saving Money in the Age of Coronavirus

Life after college can be overwhelming – especially during a global crisis. For the recent college grads in your life, here are some tips for navigating their financial future.

money.com MONEY spoke to numerous experts about the best path forward.

This Memorial Day, we remember and honor all the brave men and women who gave their lives in service to this country.

Despite the large swings from the market top and bottom, stocks have hardly budged in 2020. An optimist calls this resiliency. The pessimist says the year isn't over yet. Both views are correct and argue for a cautious but balanced approach. #AmeripriseResearch

Start young and invest often. Families should look to set aside money to invest as early and as often as possible. It can make a big difference.

The key to achieving your goals is to keep moving toward them. We can work together to help you stay on track toward your goals, even in uncertain times.

forbes.com

Are You Overestimating Your Expenses In Retirement?

How much money do you need saved to retire comfortably? We can help you plan for your retirement– without overestimating the income you’ll need for it.

forbes.com How much money do you need saved to retire comfortably? Individuals sometimes overestimate the income they'll need to maintain their current standard of living in retirement.

Sending love and gratitude to all mothers today.

ameripriseadvisors.com

How the CARES Act impacts your 2020 RMDs

The CARES Act waived most RMDs for 2020. Here are answers to the most common questions about these changes. Still have questions? Give us a call.

ameripriseadvisors.com The CARES Act stimulus package has suspended 2020 required minimum distributions (RMDs) across retirement accounts.

cnbc.com

If you left or lost your job, here is what you can do with your 401(k)

Wondering what to do with a 401(k) from a former employer? Together, we can assess your options and determine the best plan of action for you and your goals.

cnbc.com There are a number of things to take into account when deciding if you should roll over your 401(k) from a former employer.

cnbc.com

This is the biggest money lesson kids will learn during the coronavirus pandemic

The economic impacts of COVID-19 may have a hidden impact on children — it may help them develop a money mindset earlier.

cnbc.com Children are witnessing a pivotal moment in history. Here's what they may learn about money, and what you can do to help.

Teach Your Children to Save Day is the perfect day to discuss the importance of smart spending and saving habits. We're happy to join the conversation, now or in the future.

forbes.com

How The New Law May Affect Your Mortgage

The CARES Act provides some help for homeowners in need. If you have questions, let’s connect.

forbes.com The Coronavirus Aid, Relief, and Economic Security (CARES) Act offers relief to those with government-backed loans who are facing a hardship as a result of the coronavirus in two ways.

Legacy planning and keeping family conversations open, even from a distance, is as important now as ever before. Let us if you would like ideas or support for talking with your family about financial matters.

realsimple.com

8 Ways to Thank and Support Frontline and Essential Workers Right Now

We are incredibly grateful for the tireless efforts of all frontline and essential workers. Here are some ideas on how we can all express our thanks – without even leaving the house.

realsimple.com Here's how to express thanks and show support for essential workers during the coronavirus crisis, including healthcare workers, cashiers, mail carriers, delivery drivers, sanitation workers, and many others. All without leaving your house.

usnews.com

10 Teaching Resources for Parents During COVID-19

Are you filling the difficult roles of parent and teacher? Here are some online resources to consider.

usnews.com With schools closed due to the coronavirus, here are online resources parents can use to keep students' skills sharp.

[04/15/20]   #TaxDay is traditionally April 15, but income tax payers now have until July 15 to file their returns. Whether you're expecting a refund or not, we can discuss the impact on your financial goals.

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Location

Telephone

Address


35 Park Pl, Ste 300
Appleton, WI
54914

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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