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.

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. 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.

Investment Research: Under a deteriorating trade backdrop, we would expect cyclical growth areas of the market (Technology, Industrials, Materials) and specific companies with high revenue from China to see outsized selling pressure and more price volatility near-term.

Expressing love and gratitude to all mothers today.

How to step up retirement savings

Consider these five strategies to fast-track your retirement savings. What’s the best way to save for retirement? Learn how to develop a smart retirement savings strategy and follow our advice on ways to save for retirement now.

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

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

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

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

Ameriprise Research: Market indices across asset classes posted strong returns to end Q1, regaining much of the ground lost in Q4 2018. We believe U.S. equity markets offer attractive opportunities over the next 6-12 months but stress that diversification and balance remain key.

The Great Recession split the millennial generation down the middle, creating 2 groups with very different financial habits

Millennials over 30 took the brunt of the Great Recession, while younger millennials entered a better job market and became risk-averse by watching the recession unfold. Millennials have their own generation gap thanks to the Great Recession, and it has affected each group's financial behavior.

Financial scam red flags

Can you spot a financial scam? Learn the red flags of the most common types of fraud. Every year, thousands of people fall prey to financial scams. Learn what to watch out for and how you can protect yourself.

3 tips to help you maximize your Social Security benefit amount

It can pay — literally — to know the Social Security rules. Social Security rules can be complex and confusing. Make sure you know the benefits you’re entitled to receive.

That college scholarship may actually be subject to income tax

If your child is deciding between schools based on financial aid packages, consider talking with your tax advisor to help weigh the tax consequences. Few people would expect to face a tax bite on a scholarship, yet there are situations in which that might be the case. Here's what you should know.

Here are some quirky tax deductions you may not know about

These lesser-known tax write-offs may come in handy if you are nearing the new, higher threshold for the standard deduction. Consult your tax advisor to see if any apply to your situation. If you are looking for a way to pay less to the IRS, think outside the box when it comes to deductions.

Ameriprise Research: Happy 10th anniversary bull market! While current conditions should lead to the longest bull market on record this summer, we believe the environment calls for more caution - but optimism and balance should remain essential in a well-constructed portfolio.

Investors Wait for Clarity on the Global Economic Outlook | Ameriprise Newsroom

Speculation about the latest global economic data has some investors concerned. Will it influence U.S. economic growth? Ameriprise Chief Market Strategist David Joy weighs in. A lower growth target in China was followed by a sharp downgrade of growth expectations in the Eurozone by the European Central Bank.

Want to lower your taxable income? Four tax-saving investments you can still make now

There is still time to lower your taxable income for your 2018 taxes. Here are some options to consider with your tax advisor. There are three ways that you can lower your taxable federal income and one potential way for your state taxes.

Why oil prices have dropped

The savings at the pump have provided consumers with a welcome stimulus, but how long will oil prices stay down? The recent decline in oil prices has a lot to do with the state of the economy. Read more about current oil prices and whether a rebound is likely.

I was honored to get to spend a few days last week with some smart and talented ladies at the Ameriprise Women Advisor Summit. I have great admiration for the leadership and achievements of women, not just within my industry but in all aspects of life. Wishing everyone all the best this International Women’s Day! #IWD2019

The biggest financial mistake women make? Not investing enough.

Even though challenges like the wage gap persist, women are more likely to seek out financial advice and invest for the long term. Women are much less likely than men to invest their savings — and miss out on significant wealth as a result. Here's how to narrow the gap.

[02/25/19]   According to America Saves, successful savers have a goal-based financial plan and contribute regularly to retirement savings. If you want to boost your savings for today and tomorrow, I can help. #AmericaSavesWeek

2018 IRA tax-saving strategies

Let’s talk with your tax professional soon to determine whether a traditional or Roth IRA could provide you with tax benefits and help you achieve your goals. Help lower your 2018 tax bill and boost your retirement savings by contributing to an IRA. Check out our last minute tax tips for both traditional and Roth IRAs.

Be Brilliant | Ameriprise Financial Commercial | “Familiar Face”

You are unique, and so are your goals. That’s why I take the time to understand what’s important to you and offer personalized advice tailored to you. Let’s talk about how I can help you feel more financially confident by preparing for the expected and unexpected.

If your financial advisor saw you on the street, would they recognize you? Developing a relationship with an advisor who knows you and understands what’s imp...

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

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

Four things to consider when picking funds in a 401(k) plan

Experts are saying you should see an advisor to help you determine how to select 401(k) funds appropriate for you. Here are guidelines for evaluating and picking funds from a 401(k) plan run by your employer.

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? 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.

It’s National Compliment Day: You’re brilliant!

10 Ways to Improve Your Retirement Finances in 2019

Savers can contribute more money to retirement accounts in 2019. Learn about strategies that could boost your savings this year. Try these strategies to boost your retirement investments in the new year.

[01/21/19]   Social Security is a source of income you can’t outlive, so deciding when to file for it is a critical step in retirement planning. Let’s talk about timing your Social Security benefits as part of an overall cash-flow strategy.

Today and every day we respectfully honor the legacy of Rev. Martin Luther King, Jr.

Small-business retirement plan limits increased in 2019. Here's what you need to know

If you are a small business owner, learn about the tax-advantaged retirement savings options available to you. Own a small business? You should know that you have savings plans at your disposal that allow you to sock away funds for retirement.

An IRA tax hack for retirees 70 and over

For those 70 ½ or older, a qualified charitable distribution from a retirement account could mean a lower tax bill. Talk with your tax advisor to see if this is an option for you. With the new tax law changes all but wiping out itemized deductions, filers are looking for any ways they can to catch a break. Account holders over the age of 70 1/2 are subject to RMDs — required minimum distributions — which is the amount they’re obligated to withdraw from their tax-deferre...

Ameriprise Research: Economic activity has been moderating and is likely to slow further (yet remain positive) until there is some material resolution to the US/China relationship, but we continue to believe our US real GDP forecast for this year (+2.4%) remains reasonable.

Tax refunds will go out despite government shutdown, with early filing date on Jan. 28

This will be first year taxpayers will see how the tax law passed in December 2017 will affect their federal returns. The IRS says tax refunds will go out despite a government shutdown. Early filing starts Monday, Jan. 28.

Why the Dow has spiked 2,000 points since Christmas Eve

The Fed played a central role in both the market rout and the ensuing rebound, according to Ameriprise Chief Market Strategist David Joy. Investors have decided that maybe the world isn't coming to an end after all.

Take a Hike, 2018 | Ameriprise Newsroom

As stocks are tested, Ameriprise Chief Market Strategist David Joy discusses factors that could help them continue the fight in 2019. If stocks are truly going to mount a comeback, they are going to need some help in 2019. Read the analysis.

Wishing you a wonderful 2019 with health, happiness and brilliant moments.

2019 Economic Risks to Investors

There are two challenges ahead in 2019, according to Ameriprise Senior Economist Russell Price. Learn how, despite potential 2019 economic risks, such as rising interest rates and trade tensions with China, the U.S. could see another year of expansion .

[12/27/18]   Have you thought about increasing your recurring retirement savings? Upping your contributions even a small amount can mean substantial growth over time.

Wishing you and yours a wonderful holiday season!

Dow slides to 2018 low after Fed disappoints

"The market talked itself into expecting a more dovish outcome from the Fed than they got.” Ameriprise Chief Market Strategist David Joy weighs in on the market’s reaction to the Fed’s rate hike. The Dow tumbled to the lowest level in more than a year on Wednesday after the Federal Reserve signaled a more aggressive stance than investors had hoped for.

Dec. 31 is a Crucial Tax Deadline for Many Retirement Savers. Here's What to Know

If you or a loved one are 70 ½ or older, now is the time to take your required minimum distributions from your 401(k) or IRA. Neglecting the deadline will result in a stiff penalty.

[12/17/18]   ‘Tis the season for generosity. Despite changes to the tax law, revisiting your charitable donation plan before year-end could decrease your 2018 taxes while helping someone in need.

[12/13/18]   Now’s the time to revisit your financial goals for 2019. Let’s get together to prioritize your list based on what’s most important to you.

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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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