Dufresne, Wayne & Associates

A financial advisory practice of Ameriprise Financial Services Inc.

Our Approach: Are you looking for ways to reach your financial goals in today's volatile market? Whether you’re saving for retirement, college for your kids or other needs, you may be unsure about what to do next or whether you can do anything at all. That's where we can help. We'll take the time to listen to you and understand your goals and dreams. We'll help you build a plan to get back on track toward reaching them. Working together, we will work to find investing opportunities in today’s uncertain market that are aligned with your financial goals. Together, we can bring your dreams more within reach. Areas of Focus:Tax Planning Strategies Estate Planning Strategies Retirement Planning Strategies Wealth Preservation Strategies Life and Health Insurance Licenses #20288249 Series 7 and 66. Tom Dufresne - CA Insurance #0D38511, AR Insurance #1012545. 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. Private Wealth Advisors Ameriprise Private Wealth Advisors have extensive experience in helping affluent clients preserve and grow their wealth. They possess the capabilities and resources to provide customized recommendations and support for tax, estate, and retirement planning. They help clients step back and explore the full range of opportunities their wealth can bring. With years of experience and an established network of expert resources, Private Wealth Advisors are among the most qualified and credentialed advisors in the industry. Ameriprise Financial gives this elite group the highest priority and quality of service and resources available to help ensure their clients receive the best possible client experience. 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.

Happy 4th of July to you and your family! All of us at Dufresne, Wayne & Associates wish you a safe and fun holiday weekend! We'd love to see photos of your festivities - please share them with us in the comments below!

Do you have documents in need of shredding? Bring them to our office and put them in a secure bin to be shredding by Shred Right Document Destruction Services!

Our office is proud to support the Steele County Food Shelf. In an effort to meet the tremendous demand for non-perishable food items such as: whole grain pasta, spices, salad dressing, canned meat and personal care items, we are having a Shredding Event and Food Drive. Between June 17th and July 10th, our office will gladly take documents that are in need of shredding. We are asking that along with your documents needing shredding, that you please consider bringing a non-perishable food item for the Steele County Food Shelf. Shredding and food items can be brought to our office during the week days during the above dates (note: we are closed July 4th and 5th) from 8:00am to 4:30pm. For more information, contact us at 507-444-0901.

Our office will be closed on Thursday, July 4th and Friday, July 5th for the holiday. We will return on Monday, July 8th at 8am. If you need more immediate attention please call our home office at 800-862-7919. Have a safe and fun holiday!

barrons.com

4 Ways to Protect Your Elderly Parents from Fraud

Learn what you can do to keep your elderly loved ones safe from financial abuse.

barrons.com One in 10 people age 60 or older in the U.S. experience some form of abuse each year. How adult children and other family members should help keep elderly loved ones safe.

newsroom.ameriprise.com

Central Banks Prepare for a Global Economic Slowdown | Ameriprise Newsroom

Stocks closed at a new all-time high last week on optimism about interest rates and trade. This week, attention turns to the G20 Summit.

newsroom.ameriprise.com The global economy is slowing, and central banks are preparing to respond.

Team member Kim Kubicek's son Nathan participated for the 4th year in the Ride for the Brand horseback riding program through AWD (Americans with Disabilities) out at Mowry's Lazy Meadow Ranch (Nancy and Monte Mowry). Nathan enjoys the horseback riding, yard games, checkers (at which he always beats Kim) and wagon rides. Kim enjoys being able to have one on one time with Nathan and seeing him in his "happy place"!

ameripriseadvisors.com

Get ahead of college debt now

If you’re considering a 529 plan to help you reach your education savings goals, let’s talk. We can help you compare available plans, call us today at 507-444-0901.

ameripriseadvisors.com Maintaining your children’s education fund and staying on track for retirement is a balancing act.

We can help you plan ahead to ensure that unexpected medical expenses are covered in retirement and that your assets are protected. We can help. give us a call at 507-444-0901.

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.

ameriprise.com

Systematic savings

Connect with us to help set up a systematic savings plan – a simple and effective way to build up a cash reserve to prepare for life’s unexpected twists and turns.

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

Our office is proud to support the Steele County Food Shelf. In an effort to meet the tremendous demand for non-perishable food items such as: whole grain pasta, spices, salad dressing, canned meat and personal care items, we are having a Shredding Event and Food Drive. Between June 17th and July 10th, our office will gladly take documents that are in need of shredding and place them in one of our secure locked containers which will then be shredded on site on July 10th by Shred Right Document Destruction Services. We are asking that along with your documents needing shredding, that you please consider bringing a non-perishable food item for the Steele County Food Shelf. Shredding and food items can be brought to our office during the week days during the above dates from 8:00am to 5pm. For more information, contact us at 507-444-0901.

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.

usatoday.com

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 to all the Dads, Grandpas and any other special people who have been like a dad to us over the years! We hope you enjoy your special day!

newsroom.ameriprise.com

Investors Feeling Optimistic as the Fed Takes a Dovish Tone | Ameriprise Newsroom

Remarks by Fed Chairman Jerome Powell helped bolster the S&P 500 by more than 4 percent last week – but the June rally has since paused. Read more from Ameriprise Chief Market Strategist David Joy.

newsroom.ameriprise.com Stocks enjoyed their best week in six months, spurred on by dovish remarks by Fed Chairman Powell.

money.usnews.com

What Teens Must Know Before Starting a First Job

There can be many benefits for teens who work seasonal jobs, like gaining work experience and developing practical money-management skills. If your teen is looking for a summer gig, here are some tips to help get them started.

money.usnews.com A primer on everything teens must know before starting a new gig, from taxes to the interview process.

kiplinger.com

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.

money.usnews.com

15 Financial Steps to Take Your First Year After Graduation

The money decisions your college grad makes today could benefit – or haunt – him or her in the future. Here are 15 financial steps to consider in the first year after graduation.

money.usnews.com Start off your first year on the right financial foot.

Donut you know what day it is today??? National Donut Day!!!! Advisor Jacob Norrid wasn't in the office today, so no pics of him eating a donut! Kim Kubicek may have enjoyed a donut along with her coffee.........................

[06/05/19]   The cost of life insurance during your 50s and 60s may be more accessible than during your more senior years. Let’s discuss what you can do to help ensure that your protection needs support your retirement goals.

money.usnews.com

Why Women Should Handle Financial Planning

Nearly all women will become the sole financial decision maker in their household at some point in time. Learn why it’s important that women take an active role in financial planning.

money.usnews.com It’s time to understand the true impact of living longer, avoiding risk and prioritizing others.

cnbc.com

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.

usatoday.com

You should be checking your social security statements. Here's why:

Checking your Social Security statements each year can help ensure that you’re on track to receive the benefits you have earned.

usatoday.com They may not make for the most exciting read, but you need to review them nonetheless.

newsroom.ameriprise.com

Investors Get a Closer Look at Global Economic Growth | Ameriprise Newsroom

The trade dispute with China tops the list of investor concerns, according to Ameriprise Chief Market Strategist David Joy.

newsroom.ameriprise.com 05/29/2019 David Joy The S&P 500 fell for the third straight week, during which time it has fallen 4.1 percent. For the Dow Jones Industrial Average, it was the fifth straight week of losses, totaling 3.7 percent. The extent of the declines is so far surprisingly modest, given both the breakdown in....

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

cnbc.com

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.

msn.com

School Janitor, 83, Moved to Tears as Students Throw Him Surprise Retirement Party

Do you need some GOOD news to read on this gloomy Friday? Read this quick story, it is sure to put a smile on our face! Congratulations on your retirement Mr. John.

msn.com Students Throw School Janitor, 83, a Surprise Retirement Party

cnbc.com

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.

ameripriseadvisors.com

Ameriprise Advisor

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 Ameriprise Advisors - Dufresne, Wayne & Associates in Owatonna, MN

ameriprise.com

How to determine your retirement age

Let’s talk about your ideal retirement age at our next meeting. It will help us set your long-term financial goals. Call us today at 507-444-0901.

ameriprise.com Here are some factors that might influence the age you retire.

ameriprise.com

IRA rollover evaluator

If you have retirement accounts from previous employers, you may want to consider rolling them into an IRA. Try our IRA rollover evaluator and let’s discuss options to achieve your retirement goals.

ameriprise.com Get a personalized report on the pros and cons of consolidating or rolling over your retirement assets.

newsroom.ameriprise.com

What’s the Economic Cost of a Trade Battle? Time will Tell | Ameriprise Newsroom

While trade talks left markets spinning, there was encouraging news elsewhere. Ameriprise Chief Market Strategist David Joy weighs in.

newsroom.ameriprise.com U.S. equities in the S&P 500 endured their worst week of the year, falling nearly 2.2 percent.

barrons.com

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.

See how you’re doing at the touch of a button with secure online access to your Ameriprise accounts and investments.

Happy Mother's Day to all the moms out there! A special wish goes out to those whose moms are no longer with them or who long to be a mom and are not able or struggle with infertility. Wishing you all a peaceful day!

newsroom.ameriprise.com

Trade Negotiations Make the Path Forward for Markets Difficult | Ameriprise Newsroom

After ending last week on a positive note, trade talks have investors feeling uncertain.

newsroom.ameriprise.com Last week ended with investors feeling good about the prospects for the global economy.

ameriprise.com

Downsizing your home

Have you thought about where you’ll live in retirement? Together, We can talk through different scenarios and discuss the impact each could have on your financial goals.

ameriprise.com Review these tips to help determine what type of retirement housing is best for you.

usatoday.com

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.

southernminn.com

A day at the lake: From the Heart draws more than 800 out for race day

We are proud to work in Owatonna! You don't have to look far to see the generosity in our community! Just today there are 2 good articles in our local paper of individuals, organizations and big corporations helping our community through their generosity! Thank you to all of those who make Owatonna a great place to live, work and play!

southernminn.com OWATONNA — Despite an unsettling winter and unpredictable spring, the sun was shining down on Lake Kohlmeir this weekend as more than 800 people gathered to support four local families.

Happy May Day!! Any one out there remembering delivering May Day baskets when they were little?? We hope you have a happy first day of May!

ameriprise.com

Retirement milestones: Mark your calendar

Let’s connect to make sure you are taking advantage of important financial milestones as you work toward your retirement goals. Call to schedule a time to meet 444-0901.

ameriprise.com Being aware of these age milestones can help ensure you’re prepared for the future.

msn.com

Family meets man who received their loved one's heart -- at a baseball game

Need a good heart warming story on a gloomy day? Here you go! By the way no pun intended on the heart warming part Brandon Wayne!

msn.com It was a chance encounter that had everyone in tears.

ameripriseadvisors.com

Investing globally

If you’re looking for ways in boost your portfolio’s income potential, it may be time to pack your passport.

ameripriseadvisors.com Despite market fluctuations, companies globally generated record dividend payouts across many regions last year. Learn what could be in store for 2019.

ameripriseadvisors.com

Has the Tax Cut and Jobs Act worked?

The U.S. economy, corporate earnings and business investment got a short-term boost with the new tax law. Find out what could happen longer term.

ameripriseadvisors.com Read more about the effects of the 2017 tax law and how the tax cuts have impacted the economy.

southernminn.com

From the Heart registrations down by half one week from race day

There is still time to sign up for the From the Heart race/walk. Come out for a great cause! Let's show this community and the recipients our support!

southernminn.com OWATONNA — It has been a long, hard winter that has slowly transformed into a difficult spring.

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Location

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Address


1850 Austin Rd Suite 104
Owatonna, MN
55060

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 - 16:30
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