Kristen M. Palme

Financial Advisor, Ameriprise Financial Services, Inc.

As an Ameriprise financial advisor, I believe success should be measured not just by your financial well-being, but by how confident you feel about your future. My mission is to help you reach your financial goals through a personal relationship based on personalized, knowledgeable advice. This focus is designed to help you reach your goals, giving you greater confidence. Areas of Focus: Retirement Planning Strategies Estate Planning Strategies Investments Saving for Education Retirement Income Strategies Small Business I am licensed and registered to conduct business in TX. Based on licenses and registrations I hold, I may also conduct business in SC, FL, NE, PA, DC, MO, OK, AL, MN, CO, VA, WI, MI, CA, NY, NC. CA Insurance #0D05222 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 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 for more important disclosures and information.

The U.S. stock market is on pace for its best year since 2013. Interestingly, the average stock in the S&P 500 is still 10.3% away from its 52-week high, with mid and small-cap stocks even further away. #AmeripriseResearch

Happy Thanksgiving! Wishing you and your family a wonderful, festive day, celebrating all there is to be thankful for.

Compared to 2018’s market peak, 2019’s trailing twelve-month sector performance (as of 11/18) is more balanced. Except for Energy, all sectors show relatively solid gains - #AmeripriseResearch. Let’s connect to discuss your allocation strategy.

What’s the outlook for holiday spending?

Holiday spending can be an indicator of the health of consumer confidence. See what could be in store this holiday season and what it means for the economy. We gauge shoppers’ financial sentiment and what that signals for holiday sales in November and December.

What’s the outlook for holiday spending?

Holiday spending can be an indicator of the health of consumer confidence. See what could be in store this holiday season and what it means for the economy. We gauge shoppers’ financial sentiment and what that signals for holiday sales in November and December.

Last week, in honor of Ameriprise National Day of Service, my practice assisted in the sorting of 15,018 pounds of bread at the San Antonio Food Bank. This will be used to provide 12,014 meals. Thank you to all my staff and other colleagues nationwide who volunteered. Together, we made a difference for individuals and families in our community facing hunger.

November 13th is World Kindness Day and I plan to pay it forward by volunteering my time with one of my favorite charities.

Thank you to all Veterans, including our friends, clients, family and colleagues, for your service and sacrifice.

It is possible to balance paying down debt while investing at the same time. Let’s talk about making choices to help you achieve your financial goals.

Caring for aging parents

Caregiving can have major financial implications for those who give care and those receiving it. If you’re caring for an aging parent, here are some considerations that could help relieve financial stress. Help ensure your loved ones age in comfort while still protecting their estate – and your assets.

Consumer confidence levels, both current and expectations for the future, are critical to keep tabs on. According to #AmeripriseResearch, if the gap between the two narrows and both measures decline, stock prices could face added headwinds. How confident are you feeling?

Did you know that a typical market cycle includes periods of volatility? Hear David Joy, Ameriprise Chief Market Strategist, explain why market swings are natural and to be expected.

Stocks Search for Direction Amid Mixed Economic News | Ameriprise Newsroom

The S&P 500 index closed last week one percent below its all-time high, despite three months of CBOE Volatility Index swings. Ameriprise Chief Market Strategist David Joy explains why the search for direction in U.S. stocks remains elusive. With rate reductions, trade tensions and Brexit making headlines, investors have had a lot to consider in the past three months.

A decline in the Q2 financial obligations ratio (consumer obligations relative to income) is an encouraging sign for the U.S. economy, according to #AmeripriseResearch. Consumers account for 70% of U.S. economic activity and their financial health is critical to the path ahead.

“I must not be rich while they go begging, nor enjoy good health without attempting to heal their wounds, nor have abundant food, good clothing, and a roof under which I can rest, unless I offer them a piece of bread and give them, as I can, part of my clothing and shelter under my roof.” – St. Basil of Caesarea. What resources can you spare for those in need?

“If your actions inspire others to dream more, learn more, do more and become more, you are a leader.“ – U.S. President John Quincy Adams. How can you inspire others?

How to raise a whiz kid investor

Many parents teach their kids about the importance of saving. But what about investing? Learn how teaching them a few simple concepts could help them become savvy investors down the road. Teaching your children to save money is a good start. However, they'll earn much more in the long run if they can grasp these key concepts about investing.

Medicare Enrollment Deadlines You Shouldn't Miss

Medicare open enrollment begins Oct. 15. Here are some key deadlines to help ensure you enroll on time and avoid higher premiums that could impact you for the rest of your life. If you sign up for Medicare late, you could face higher premiums for the rest of your life.

How important has globalization been to U.S. corporate profits? While nearly impossible to segment all influences of globalization on economic conditions, we can measure its influence on corporate profits - which offers implications for stock prices. #AmeripriseResearch

Markets Have Been Resilient – How Long Can it Last? | Ameriprise Newsroom

Despite the drag from trade talks, the U.S. economy continues to chug along – but for how long? Ameriprise Chief Market Strategist David Joy weighs in. The S&P 500 index lost one percent last week as trade tensions continued.

Your kids don't think your money skills measure up

Three-quarters of 18- and 19-year-olds say they mostly learn about money matter from their parents, according to Experian. If you’re interested in having a conversation with your kids about budgeting and saving, I’m here to help. Although 74% of 18- and 19-year-olds in a recent survey said that they learn about money from their parents, about the same share that said personal finance should be a required course in high school.

2019 market outlook

Market volatility is a natural characteristic of investment markets. I can help ensure that you have the personalized financial advice you need to maintain a well-diversified portfolio regardless of market conditions.

Market volatility is a natural characteristic of investment markets. Ongoing communication with your financial advisor can help ensure that you have the pers...

Life Insurance Awareness Month is a good time to consider protecting your loved ones. Let’s chat about life insurance and other coverage solutions to help protect your family.

Investors Respond to Strikes on the Saudi Arabia Oil Facilities | Ameriprise Newsroom

Investors were reminded this week of the impact that oil supply disruption can have on the global economy. Ameriprise Chief Market Strategist David Joy explains how this has interrupted the recent rise in investor confidence. The attack on Saudi oil facilities deflected attention away from what had been a renewal of risk appetites among global investors.

I often encourage my clients to create financial goals to help prepare for their retirement years. Have you ever considered the joy you might receive by also including a plan to give generously?

There are 4 major reasons why those about to retire don't have enough money in their 401(k)s

A 401(k) through your employer can be an important component of your overall financial picture. Learn about four things to watch for – then let’s talk about what you can do to ensure you’re maximizing your savings potential. IRA and 401(k) balances for older workers are well below where they should be, according to the authors of a new report, thanks in part to inconsistent coverage, fees and early withdrawals.

There's a key tax deadline right around the corner. Here's how to prepare

If you’re an entrepreneur, an employee with a side gig or an investor with a sizable capital gain, September 16 is key tax deadline. When it comes to taxes, Sept. 16 doesn't quite have the same ring as April 15. However, this deadline is an important one for entrepreneurs, investors and people in the side-gig economy. Here's why.

Avoiding real estate wire fraud

Buying a home? Learn what you can do to help ensure your real estate transactions are safe from this new form of cybercrime. Real estate fraud is a growing concern for home buyers. Learn about real estate wire fraud and how to protect yourself from wire fraud with these tips.

4 Ways to Protect Your Elderly Parents from Fraud

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

How should investors react to the news?

When world events cause market swings, it’s important to look beyond the headlines to keep things in perspective. I can help ensure your decisions are driven by your goals, not emotions. Major world events can often cause market volatility . Read up on how investors can keep perspective when the news causes waves in the market.

Here’s What the Inverted Yield Curve Means to Investors

Investors have been keeping an eye on the yield curve in recent weeks – but what happens if it inverts? If you’re concerned about the headlines and the impact an inverted yield curve could have on your finances, let’s talk soon. Inverted yield curves don’t happen often, but they tend to make investors worry.

Retirement checklist: Tips to help you organize and manage your finances

Do you know where all your financial documents are? Let’s talk about how to get organized with a retirement checklist. Learn how to organize your financial accounts for your peace of mind or for your beneficiaries.

Although market sentiment does not predict future stock prices, extremes in bullish and bearish sentiment tend to be a positive for stock returns over time on average. The caveat for investors? Stay balanced and prepared for both bullish and bearish outcomes. #AmeripriseResearch

[07/28/19]   Inflation, interest rates and stock market shifts are all factors to consider in retirement. Talk to me and together we can fine-tune your portfolio to help you protect your investments and live confidently in retirement.

This Week Could Be a Turning Point for Markets | Ameriprise Newsroom

The start to earnings season wasn’t strong enough to keep stocks in record territory. Ameriprise Chief Market Strategist David Joy weighs in what investors will be watching in the coming days. 07/23/2019 David Joy The start to earnings season wasn’t strong enough to keep stocks in record territory. The major banks, by and large, exceeded tempered expectations, but results for the group overall were mixed. Strength in consumer activity was offset, in some cases, by softness in business a...

The new American consumer

The current economic expansion is the longest in American history, according to Bureau of Economic Analysis. Learn how we reached this milestone — and what could be ahead for the economy and markets. The current economic expansion has investors wondering about the next recession, but the new American consumer may provide a defense.

[07/24/19]   Giving back has been part of the Ameriprise culture since the company began 125 years ago. My practice is proud to continue the tradition in this community where my clients live and thrive.

When it comes to retirement planning, I believe it’s important to ask the right questions to make sound decisions. Get in touch so we can start answering your questions.

Have you discussed your legacy plans with your loved ones? Contact me to discuss planning for a smooth and successful wealth transfer.

Savvy financial strategies for singles

Nearly half of U.S. adults today are unmarried. If you’re single, let’s discuss your retirement options. Whether single by choice or circumstance, here are some key considerations for retiring solo.

While expectations for lower interest rates may play the most influential and immediate role in shaping stock direction over the near-term, subdued investor confidence and softer global growth could temper large shifts in stock prices over the quarter. #AmeripriseResearch

Get ahead of college debt now

If you’re considering a 529 plan to help you reach your education savings goals, let’s talk. I can help you compare available plans. Maintaining your children’s education fund and staying on track for retirement is a balancing act.

My practice is proud to be part of Ameriprise, which has a 125-year tradition of putting clients first. I am grateful to you for including me on your journey to reach your financial goals.

Financing lifelong learning

Do you dream of going back to school? Here are some ways you can finance your education without depleting your savings. Let’s discuss how your education dreams fit into your financial goals. A growing number of professionals and retirees are pursuing adult education. Get tips on financing your education.

Investors who talk more openly about their finances tend to be more financially confident than those who don’t, according to the Ameriprise Modern Money study ( When you’re ready for a family money talk, let’s connect to start the conversation.

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1314-4 E Sonterra Blvd, Suite 401
San Antonio, 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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