Rowley, Hoffman, Sparrow & Associates A financial advisory practice of Ameriprise Financial Services, Inc. Financial Advisor at Ameriprise Financial Services, Inc.
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.
Operating as usual
Wishing you a safe, fun and spooky Halloween!
Don’t forget to set your clocks back this weekend. What will you do with your extra hour?
Investors are still watching and waiting for any movement on a new stimulus package, according to Ameriprise Chief Market Strategist David Joy.
newsroom.ameriprise.com 10/27/2020 David Joy No movement on a new stimulus package last week left investors watching and waiting. Stocks fell slightly on the lack of movement, with the S&P 500® index losing 0.5 percent. That broke a string of three consecutive weekly gains and left the index roughly flat over the past two...
Is maxing out your 401(k) enough? For high earners, only saving up to the annual IRS contribution limit may not be enough to meet spending needs in retirement.
forbes.com How do 401(k) contributions translate into retirement income? Depending on your lifestyle and retirement goals, maxing out your 401(k) may not be enough.
Regularly rebalancing your long-term investments can help keep your risk tolerance and asset allocation aligned and keep you on track to your goals.
National Retirement Security Week is a great time to begin planning for your retirement or to update your existing plans. What are you looking forward to in retirement?
What will the increasing infection rates and the upcoming election bring to the U.S. markets? Ameriprise Chief Market Strategist David Joy shares his perspective.
newsroom.ameriprise.com 10/19/2020 David Joy Despite no additional fiscal stimulus, surging virus infections, and an election now just two weeks away, U.S. equities managed to deliver another week of gains, albeit by the slimmest of margins. The S&P 500® index gained only 0.2 percent, but it was the third straight week of...
In a new Ameriprise videocast, experts share insights on drivers of the economy and capital markets, including COVID-19 developments, corporate profit trends, monetary policy actions and federal policy proposal.
ameriprise.com The outcome of the 2020 U.S. election could have long-term effects on taxes, markets and the economy. Our experts share some possible implications for investors.
Together, we can track your progress and update your strategies as circumstances change. Let's work to keep you moving toward your goals, in any market conditions.
Last week, U.S. stocks reached their highest gains in months. What will the start of third-quarter earnings season bring? Ameriprise Chief Market Strategist David Joy shares his insights.
newsroom.ameriprise.com 10/14/2020 David Joy U.S. stocks enjoyed their best week in several months, as the S&P 500 gained 3.8 percent. Variously ascribed to the on again off again stimulus talks in Washington and the potentially salutary effects of possible blue wave election, stocks edged within less than one percent of t...
Work toward your financial goals with personalized advice you can trust, and online tools to track your progress.
October is National Cyber Security Awareness Month. This month and every month, it’s important to be alert and aware of threats to your investments and personal information.
ameriprise.com Financial scams targeting retirees are becoming increasingly common. You can help protect yourself if you know what to watch out for.
Working toward your long-term financial goals starts with making the next right move.
Staying focused amidst uncertainty can help you reach your future financial goals.
Celebrating National Daughter’s Day!
Curious about how elections influence market behavior? The U.S. Election Guide from #AmeripriseResearch explores historical market responses during election cycles, uncertainty and market volatility, and the role that the makeup of Congress plays.
When determining how much to save for your future, it’s important to know what your spending will look like once you retire. What’s one expense you won’t miss when you enter retirement?
kiplinger.com We spend a lot of time worrying about running out of cash in retirement. But you might be surprised to see some of the things you'll find yourself spending less on in your golden years.
Today’s the perfect time to make the next right step toward your long-term financial goals.
If you have someone in your life with college ambitions, let’s talk about saving strategies.
“Don't save up love like you're trying to retire on it; give it away like you're made of it.”
– Bob Goff, author of Love Does
Last week’s jobless claims report was the latest example of the economy’s third quarter economic recovery flattening, according to Ameriprise Chief Market Strategist David Joy.
newsroom.ameriprise.com 09/15/2020 David Joy Stocks endured another week of choppy trading last week, full of down days followed by up days. In total, the S&P 500® index was down 2.5 percent. This followed its 2.3 percent decline of the previous week. From its peak on September 2 the index is now lower by 6.7 percent. It ...
From the classic piggy bank to dedicated savings accounts, here are some tips for teaching your kids or grandkids the value of a dollar.
time.com How do you teach the value of a dollar? Start with the classic piggy bank, and then graduate to these guides and resources.
The current conditions are a reminder that while momentum investing can be rewarding, it is not without risk.
newsroom.ameriprise.com 09/08/2020 David Joy The passage of Labor Day typically begins a season of renewal. We feel a sense of anticipation and rising energy as the languid days of summer are replaced by the brisk days of fall. School is back in session, with all of the promise of a new year, full of learning and growth. A...
Track your progress toward your financial goals, check your investments, and connect with me through Ameriprise’s secure digital tools.
Wishing you a safe, fun and relaxing Labor Day!
For most Americans, a 401(k) strategy is a key part of your retirement plan. Here are tips to optimize.
ameriprise.com Read these 5 tips for maximizing your 401(k)
College students and young adults are increasingly concerned about their financial future – and the impact the pandemic may have. If there’s a young adult in your life who could use financial guidance, let’s connect.
cnbc.com Amid extreme economic uncertainty and rising student debt balances, most college students say the coronavirus crisis has changed how they feel about their financial future.
Last week, after a thorough review, the Fed announced a change in its approach. Ameriprise Chief Market Strategist David Joy shares the details in this week’s market commentary.
newsroom.ameriprise.com 08/31/2020 David Joy At the Kansas City Fed’s annual monetary policy symposium, held virtually last week, Fed Chair Powell announced a significant shift in the future conduct of monetary policy. The changes could have a meaningful impact on the pace of the economic recovery and the price of financ...
Creating solid money habits early can make it second nature for kids when they are older. What lessons would you add to the list?
cnbc.com With kids stuck at home thanks to coronavirus closures and virtual learning, there may never be a better time to teach your kids about money.
Does the pandemic have you re-considering your retirement timeline? Before you make any decisions, let’s meet and evaluate your options.
forbes.com This is the fifth in a 10-part series on “The Future of Retirement” that we are posting over the course of several months. If you are interested in better understanding what’s ahead, we invite you to check out our new book "What Retirees Want: A Holistic View of Life’s Third Age."
We are proud to announce that Chris Rowley, Craig Hoffman, and Greg Sparrow have all been awarded 2020 FIVE STAR WEALTH MANAGERS. They are among the 239 chosen out of 1000’s of advisors in the greater Houston area being recognized for their excellence as defined by a list of 10 different criteria including Educational and Professional Designations, Client Service and Regulatory Compliance.
Organizing all your financial accounts and documents will make it easier, when needed, for you, and your loved ones, to manage your finances.
ameriprise.com Learn how to organize your financial accounts for your peace of mind or for your beneficiaries.
Although President Trump signed an executive action Saturday to extend unemployment benefits at a lower amount, it’s unclear when and if it will take effect. Ameriprise Chief Market Strategist David Joy weighs in on investor’s response.
newsroom.ameriprise.com 08/10/2020 David Joy Despite the fact that the economic stimulus negotiations in Washington broke down ahead of the weekend, equity futures are fractionally higher ahead of the start of Monday trading. Through executive order, the president has attempted to fill the gap by extending unemployment ben...
Millennials and other generations are using their 401(k)s to cover costs during the current recession. While Congress temporarily waived some of the costs of early withdrawals, accessing these accounts could still have long-term consequences on your retirement goals.
time.com More than any other generation, millennials are dipping into their 401(k)s to help get by during this recession. “It’s very concerning,” says one researcher.
Our digital tools enable anytime, anywhere access to your goals and investments, so you’ll always know where you stand.
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