Kardesch & Associates

A private wealth advisory practice of Ameriprise Financial Services, Inc. Private Wealth Advisor at Ameriprise Financial Services, Inc.

Ameriprise Financial Services, Inc. is a broker-dealer and member of FINRA. Comments and "likes" by visitors to its social media pages should not be considered representative of all 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. CA Insurance #0D38527 AR License #864582

[07/05/19]   Postponing Social Security withdrawals until after your full retirement age could mean a higher monthly benefit. Let’s talk to see if this is the right choice for you.

Wishing you and yours a safe Independence Day.


As you save for retirement, remember these 6 key things about health savings accounts

Health savings accounts are rising in popularity, but many are still unaware of the benefits they offer. Learn more about how HSAs could be part of your retirement savings goals.

usatoday.com 6 things you should know about health savings accounts, or HSAs, such as tax benefits.


How Much Can You Contribute to a 401(k) for 2019?

The 401(k) contribution limit increased by $500 for 2019. Learn what advantages you may have by contributing to an employer-sponsored retirement plan during your peak earning years and consult a tax professional.

kiplinger.com The 401(k) contribution limit increased by $500 to $19,000 for 2019. Workers 50 and older can save an extra $6,000 for retirement.

The things you do for yourself and others can have an impact now – and in the future.

Happy Father's Day!


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.

Graduation season is here. After the party’s over, bring your graduate in for a conversation about their financial future. The future is brightest for those who set financial goals at an early age.

Donut holes, raised glazed, cake donuts… you name it. We love them all on National Donut Day!

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


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

Today we honor and give thanks to all those who’ve sacrificed their lives serving and protecting our country.


How to Protect Your Retirement Plans From a Sudden Health Scare

Unexpected health issues may cause some people to retire earlier than expected. Learn what you can do to help prepare.

barrons.com Suffering a sudden health scare can force someone into retirement earlier than expected. There are ways, though, to prepare for this possibility and make sure you stay financially secure.

Expressing love and gratitude to all mothers today.


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.

If you own a small business or plan to start one, let’s talk about your goals and make sure you have the professional resources you need for success. #SmallBiz


Reasons to consider an early 401(k) roll over

Rolling over your 401(k) while still working could help you manage your retirement savings more effectively. Learn more about your options and let’s connect to discuss.

ameriprise.com Learn how in-service distributions could help you better manage your retirement savings.

What are you doing to protect our planet today?


5 reasons seniors should consider getting a pet

Owning a pet can get even better with age. A new poll suggests that retirees in particular can benefit from an animal companion.

marketwatch.com The National Poll on Healthy Aging finds that pets fetch health benefits for older adults — but there’s some risks, too.

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.

[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.

Teaching your kids how to manage money can help them establish good financial habits to last a lifetime. #TeachYourChildrentoSave

[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.

[04/08/19]   Let’s take a fresh look at your retirement plan. We’ll discuss your goals and needs and help plan the steps you can take to achieve them. #NationalRetirementPlanningWeek

[04/08/19]   Let’s take a fresh look at your retirement plan. We’ll discuss your goals and needs and help plan the steps you can take to achieve them. #NationalRetirementPlanningWeek


Americans are more confident about saving for retirement, CNBC survey finds. But worries remain

Putting a plan in place could go a long way toward having financial peace of mind – and helping you reach your goals.

cnbc.com Despite more confidence among retirement savers, their ability to put away enough ranks as the top personal finance concern, a CNBC survey finds.


Will the Second Quarter Provide an Inflection Point for Markets? | Ameriprise Newsroom

The first quarter of 2019 was the best for the S&P 500 index since the third quarter of 2009, when the economy was first coming out of recession.

newsroom.ameriprise.com The S&P 500 rose 1.2 percent last week as stocks ended the first quarter on a strong note.


These 'super savers' are retiring earlier than most. Here's what they're doing differently

Learn about uncommon money hacks super savers are using to reach their goals of retiring early.

cnbc.com Some Americans ages 45 and up are managing to save $1 out of every $5 — and retiring earlier. Here's what they're doing differently from the average investor.


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.


How to Invest When You Retire Abroad

Many older Americans are seeking lower costs, better weather and adventure in retirement. Learn what you need to know about managing your finances if you plan on retiring outside the U.S.

money.usnews.com Carefully weigh the move to expatriate status, with special attention to banking and investments.

Spring is a time of renewal, growth and possibilities — an ideal time to take a fresh look at your financial goals and how to achieve them. Let’s set up time to meet.

I am honored to have been named to the Forbes Best-in State Wealth Advisors List for 2019. It is awarded to advisors who provide clients with a high-quality experience and lead the way in the industry. My No. 1 priority is delivering personalized financial advice to help my clients achieve their goals. Thank you to my clients for your trust and for the opportunity to continue working together.


7 ways to make next year's taxes less painful than this year's

Saving more for retirement in a tax-deferred account can help lower your tax bill. Talk with your tax advisor and then let’s discuss how this might work for you.

businessinsider.com You might ask yourself,"What can I deduct on my taxes?" You have a lot of options, and now is the time to lower your tax bill next year.

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

Spring forward! Daylight Saving Time begins Sunday, March 10. Remember to set your clocks forward one hour.


Will Your Kids Be Able to Retire?

Parents have been predicting doom and gloom for the next generation for decades, but so far it hasn’t happened. Young people have several options to consider when saving for retirement.

money.usnews.com Here's why your children will survive in retirement.


'I Knew It Wouldn't Last Long.' What These Former Pro Athletes Can Teach Us About Preparing for Retirement

Avoiding financial duress in retirement is something most people can relate to.

money.com The same principles apply, whether you're running for a first down or climbing the corporate ladder.

Pets can improve our well-being, according to the Centers for Disease Control. During National Love Your Pet Day today, how will you pamper your pet?

Happy Valentine’s Day! Happy couples make time to discuss their finances and work toward their goals together, according to Ameriprise research.

[02/11/19]   Are you in retirement or close to it? If so, let’s talk about your income sources and how a personalized distribution strategy could help make your money last longer.

[02/08/19]   Exercise and a healthy diet are good for the heart – and could help you reduce health care costs throughout life, especially in retirement. #AmericanHeartMonth


How to wean grown kids off your payroll, freeing up more retirement cash

Sixty-one percent of parents with at least one adult child over 18 said they gave them financial help. Learn what you could do to help them gain financial independence.

usatoday.com Empty nesters can free up a lot of cash for themselves and their retirement investments once they get their kids settled and stop paying their bills.


Pros and Cons of Private Student Loans

This time of year, students are learning which colleges have accepted them – and how much they will receive in financial aid. Learn whether a private student loan could help your student fill a financing gap.

loans.usnews.com Private student loans can fill financing gaps in your aid package but may come at a price.


Here's how to invest that windfall for retirement if you're 40-something or older

If you’ve recently received an inheritance, learn how you could put it toward retirement savings.

cnbc.com The best options depend on a combination of factors, including your income, your age and whether you already have some savings.


Super Bowl sends prices up for fan favorite chicken wings but your dip could be a bargain this year

Prices for foods popular among football fans, like avocados and chicken wings, tend to rise this time of year. What are your favorite snacks for the big game?

cnbc.com As Super Bowl celebrations become increasingly focused on food over the last 10 years, prices for game day favorites rise and fall with fans' demand.

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11 Greenway Plz, Ste 3000
Houston, TX

Opening Hours

Monday 08:30 - 17:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 08:30 - 17:00
Friday 08:30 - 17:00
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