A private wealth advisory practice of Ameriprise Financial Services, Inc.
***Our Approach*** Putting clients first; it’s what we do. Ameriprise Financial was named a Top Performer among investment firms in customer ratings on “unbiased and puts my interests first” by Hearts & Wallets. We’re proud to be associated with a firm that puts clients first because your interests are also our priority. We’re not only in the business of helping you build and protect your wealth; we offer comprehensive financial advice and a broad range of solutions to help you and your loved ones live brilliantly, now and in the future. When you have the right financial advice, life can be brilliant. ***Areas of Focus*** --Tax Planning Strategies --Domestic Partner Planning --Employee Stock Options --Retirement Planning Strategies --Retirement Income Strategies --Insurance --Charitable Giving --Wealth Preservation Strategies --Small Business --Executive Compensation and Benefit Strategies --Retirement Plan Distribution --Saving for Education --Investments --Estate Planning Strategies ***Working Together*** 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 *Disclosure* 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. CA Insurance #0I68518 CA Insurance #0I52058
[05/17/19] We are so proud to share that one of our advisors, Theresa Barnard, is fundraising for New Orleans Habitat Women Build 2019! She will be part of an all-woman accelerated build where they will finish a home for (and with!) a hard-working New Orleans woman in only 12 days!
Is screen time more distracting than it is productive in the workplace? It certainly can be. Giving employees distraction-free time and the right working environment can be a total game changer, especially since we are right on the cusp of summer! To ensure everyone can enjoy the season and maintain their productivity levels, reducing distractions is as important as ever.
forbes.com Few factors can have a greater impact on a business’s long-term success than providing employees with learning opportunities. Here's how to create more time for deep learning in the workplace.
Student loans are becoming a burden on, not only the borrowers but U.S. taxpayers as well. The latest data shows that the additional cost is not from the increased amount of new loans, but the cost of the almost $1.5 trillion in outstanding federal loans. Education and tax planning strategies are pillars to your financial success.
about.bgov.com Student loans, already a hardship for many young borrowers, now are projected to be a burden for another class of people: U.S. taxpayers.
Learn from it, but always keep pushing forward.
The gift of financial knowledge may not come wrapped in a box, but it is a valuable gift nonetheless. Making the transition from student to full-time employee is a big step in every new grad’s life, and it’s essential that they are fully prepared in every way. From student loan repayment to starting a budget, we are here for you and your new grad every step of the way. Please let us know how we can be of assistance!
forbes.com As the school year comes to a close, all of us who are parents start wondering if our children are ready for the next chapter in their lives, especially if it’s one of those pivotal years when we’re about to watch them receive a diploma.
Don’t find your passions; develop them! A 2018 study weighed two theories that impacted how people think of passions: fixed and growth. A person who follows the fixed theory believes our interests are unchanging and finite, but the person who follows the growth theory believes our interests are developed, and that almost anything we commit to learning can become a passion. So if there’s something you’re interested in, but not great at, stick with it. Failure is a part of the process, and it can be overcome.
nytimes.com Prepare for a hard truth: We’re pretty bad at most things when we first try them.
Financial literacy month has come to a close, but talking openly about money and feeling empowered to do so remains an important skill. Though our society tends to view money as a taboo topic, avoiding it can cause more problems and misunderstandings. As advisors, we hope to bring a human aspect to “the money talk” and help open the dialogue for others to feel comfortable and confident talking about their finances.
cnbc.com Financial services providers are uniquely positioned to change the conversation around literacy and address the elephant in the room: the "money talk" taboo.
From January to February, home prices grew the slowest they have since September 2012, only 3.0% higher compared to a year ago. The slower pace missed the forecast for a 3.2% yearly increase. Don't fear, the lack of growth is a potential opportunity for home buyers, and also indicates the chance for equity appreciation for owners.
marketwatch.com Price gains for the three months ending in February were the slowest since mid-2012, and the regional impacts were starkly delineated, according to the...
Work for it more than you talk about it.
I had the fantastic opportunity to attend the 401(k) Success Conference at the beautiful Omni La Costa Resort & Spa in Carlsbad, California! It was great to hear and share ideas with the other attendees, and I look forward to implementing them in my daily routine!
Having a child is a joyful occasion, but due to the gender pay gap, it impacts mothers and fathers differently at work. A study shows that while men are considered steady family-men and make about 20% more than men with no children, women encounter a “motherhood penalty” and their income drops 30% after having their first child, further widening the gender pay gap. Financial planning for women is important regardless, but more so considering the fact that as mothers, they're playing catch up.
cnbc.com For women, incomes drop 30% after giving birth for the first time and never catch up, according to a study. Conversely, dads make 20% more than men with no children.
Most of us have experienced a slow morning before when it’s easier to keep hitting the snooze button on the alarm than to start the day on a productive note. But a good start to your morning can reap benefits all day long. Getting time to yourself in the morning – without the constant buzz of distractions – can set you up not only to be less stressed but also be more productive. These are some great tips!
forbes.com Wakey, wakey... These morning routines will set your whole day up for success before 8am.
All of us at Waterfront Wealth Management want to congratulate Ellen Morvant on her new APMA designation! Ellen has completed a course of study encompassing client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, investor psychology, and much more.
We are so proud of her hard work and achievement. Congratulations, Ellen!
It is our goal to educate and guide you on your financial planning journey, but we also recommend doing your own research. Here’s a great article that lists a few movies you can watch on your favorite streaming services right now, and afterward we can get together to talk about any questions they might’ve raised.
money.usnews.com These money movies will help teach you about financial tools and concepts.
The apprehension over last month's interest rate projections from the Federal Reserve has waned now that yields on 10-year notes have almost settled on where they were before. Last month's announcement had many preparing for a recession, but this is a good example of how news headlines influence our emotions and can lead to irrational financial decisions. Remember, leave the fear out of your investing, or it can lead to impulsive decisions that could hurt your portfolio.
bloomberg.com The Federal Reserve-induced angst that overwhelmed the Treasury market a month ago has -- by one key metric -- disappeared.
It’s important to help others, but don’t forget to take care of yourself.
If you’re approaching retirement and don’t have alternative forms of income in place, you might want to consider a plan. A recently released report revealed that the expense of running Social Security will soon exceed its revenue, and it’s much sooner than you think. As soon as next year the costs will exceed expenses, and by 2035 funds will be depleted.
marketwatch.com The expense of running Social Security will exceed the revenue next year, a new report released Monday showed, in a sign of the upcoming challenges to the...
Warren Buffett is known for his investing prowess, and people often seek to replicate his financial success in the markets. But the so-called Oracle of Omaha also has some personal development advice that could, in turn, lead to financial and professional success. The best investment, according to Buffett, is the one you make in yourself. It can’t be taxed or lose value via inflation, and the more work you put into it, the more you will get out. The biggest takeaway is never stop learning. That’s something we can get behind!
cnbc.com "Everybody has potential they haven't used yet."
It’s possible that you spend more time surrounded by your co-workers than your own family each week. By spending that much time with them, it’s important to create a positive and enriching environment. A positive experience for employees can influence and improve trust, performance and retention. How do you spread positivity in the office?
forbes.com The voice of the individual continues to gain strength in the workplace. That’s why HR and business leaders should focus on diversity, digitalization, and an employee-first culture. Read more from Workday Chief People Officer Ashley Goldsmith.
Estate planning is an integral part of your overall financial wellbeing. As the saying goes, hope for the best, but prepare for the worst, and estate planning will allow you to have your wishes carried out in a worst-case scenario. Both a HealthCare Power of Attorney and a Living Will are important pieces to the estate planning puzzle. We can help you with the details.
kiplinger.com Don't confuse a health care proxy with a living will. Each serves a different purpose, but you'll need both to make sure your medical wishes are honored.
Stand out from the crowd!
Responsible and sustainable investing has grown in popularity recently. Is climate-conscious investing something you are interested in? We can help you find the right areas to incorporate it into your overall financial and investment plan. The good news is there are ways to intentionally invest your money if you hope to make a difference.
cnbc.com If global warming keeps you up at night, you're not alone. Here are ways to make sure your portfolio is helping, not hurting, the cause.
Freelancing offers a much different work life than the traditional in-office career. As with most things, there are pros and cons. The pros include working for yourself, making your own hours and choosing which projects you want to work on, but the cons can include social isolation and a lack of a reliable and stable income. What are your thoughts? Are the freedoms and flexibility offered by freelancing too good to pass up?
forbes.com The freelance life is demanding, and anxiety is often part of the package. Here are six ways to reduce the angst and move on to more productive activity.
The future is now! We found this interesting and wanted to share. The U.S. is currently building a $500 million supercomputer that can reach “exascale” performance. That’s a quintillion calculations per second, seven times faster than today’s fastest system. Once complete, the impacts of such a computer could be felt across many different industries and various aspects of life.
nytimes.com Lab officials predict it will be the first American machine to reach a milestone called “exascale” performance, surpassing a quintillion calculations per second.
Spring flowers are blooming and (hopefully) so is your investment portfolio. If it's not doing as well as you'd hoped, or you don't have a well-rounded understanding of how your investments are doing, this is your reminder to check in. Take a look at what's not doing so well, foster the investments that are thriving, and find a way to plant the seed for new opportunities. Remember, what was once aligned with your wants and needs may no longer serve you. You are constantly changing, so checking in on your portfolio and helping it evolve along with your life is essential. That’s where we can help!
forbes.com The arrival of spring encourages many of us to clean our homes, freshen up décor, and renew our fitness regimens. It can also be a good time to update your financial plan and take inventory of your accumulated assets
I had the privilege to attend the Million Dollar Celebration event commemorating Delaware Nation Industries presenting a $1M check to the Delaware Nation Executive Committee in Anadarko, OK. Congratulations to The Delaware Nation and DNI for a remarkable achievement! --BJ
How are you spreading kindness this week?
Following its last meeting in March, the Federal Reserve announced its intentions to not raise its benchmark interest rate for the remainder of 2019. Some analysts think this could go even further, with the Fed potentially lowering interest rates. In the past five cycles, the time between the Fed’s final rate hike and its first cut averaged roughly six-and-a-half months. Rates were last raised by the central bank in December 2018, placing the benchmark interest rate in a range of 2.25 to 2.5 percent.
cnbc.com The market's swift move this week to price in a quarter point interest rate cut so soon after the Fed's December's rate hike should come as no surprise.
Happy Tax Day! Today is the federal filing deadline, so let’s take a look at just how much taxes are paid by various income brackets in the United States. The latest available data from the IRS (tax year 2015), shows that the top 50 percent of wage earners accounted for 97.2 percent of the total income tax paid. Meanwhile, the top 1 percent accounted for 39 percent of the total tax paid, while the top 0.1 percent represented 19.5 percent, the top 0.01 percent paid 8.7 percent, and the top 0.001 percent accounted for 3.5 percent.
cnbc.com Data from the IRS shows how much you need to be considered part the 1 percent. Find out how you measure up.
Waterfront Wealth Management's cover photo
Big banks and credit card companies have already ditched the requirement for a signature to process plastic transactions. Could card numbers be next? In an effort to boost security in case a card is lost, some financial institutions are testing the idea to remove numbers from the front of credit and debit cards. Good or bad idea? What are your thoughts?
bloomberg.com First it was the signatures. Now the biggest U.S. banks could be looking to get rid of card numbers, too.
[04/12/19] Here's an important reminder that not only is April 15th Tax Day, it's also the last day to make any traditional IRA, or Roth IRA contributions. Let us know if we can help outline your contribution strategy for this year.
Many people rely on Social Security to fund a portion of their retirement. Maximizing your Social Security benefit amount can help provide a stable form of income during your golden years. The rules surrounding Social Security are confusing, and we can help break them down for you. If you are able, waiting to claim Social Security can result in a 76 percent benefit increase between the ages of 62 and 70.
ameriprise.com Social Security rules can be complex and confusing. Make sure you know the benefits you’re entitled to receive.
You're never too old, and it's never too late to get started. What about you?
Support for adult children has grown in recent years, and the impacts are starting to be felt by those preparing for retirement. According to some estimates, parental support for adult children sits at roughly $500 billion per year, or roughly twice the amount the same cohort puts aside for their retirement accounts. It’s a tough decision. You want to support your children, but you need to prepare for your own retirement! Reach out to us, and we can help with a plan to get you there.
barrons.com Parents are spending $500 billion a year supporting their adult children—more than twice the amount they’re saving for retirement. How to help your kids without imperiling your golden years.
Emulating those who have found success should in turn lead to personal victories, so why not take some tips from successful CEOs across the business spectrum. We all deal with procrastination, so how do those at the top of their company push through and get things done? Setting timelines, crafting to-do (and won’t-do) lists, and batching are good places to start!
entrepreneur.com Once begun, half done.
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