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Take charge of your retirement. 5 Realities you Need to Consider

Kevin Bjerke, Regional Vice President - RiverSource Annuities

Chris Korte & Winonah Doty McCluskey

To reserve a spot: call us at 515.223.1790, or email us at pamela.j.love@ampf.com or make your reservations online

Withdrawals that do not qualify for a waiver may be subject to a withdrawal charge. Withdrawals are subject to income taxes, and withdrawals before age 59-1/2 may incur an IRS 10% early withdrawal penalty.

Variable annuities are insurance products that are complex long-term investment vehicles that are subject to market risk, including the potential loss of principal invested.

Before you invest, be sure to ask your financial professional about the variable annuity’s features, benefits, risks and fees, and whether the variable annuity is appropriate for you, based on your financial situation and objectives.

You should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options carefully before investing. For free copies of annuity and underlying investment prospectuses, which contain these important considerations, call 1 (800) 333-3437. Read the prospectus carefully before you invest.

Ameriprise Financial Services, Inc. offers financial planning services, investments, insurance and annuity products. RiverSource products are offered by affiliates of Ameriprise Financial Services, Inc., Member FINRA and SIPC. CA License #0684538.

RiverSource Distributors, Inc. (Distributor), Member FINRA Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.

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