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Stephen Carter Ameriprise Financial Advisor

Stephen Carter

CFP®, MBA, CEP®, ChFC®

Financial Advisor

512.986.5569 | stephen.a.carter@ampf.com

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Retirement

Retirement Income Calculator

Explore how much monthly income your retirement savings can provide.

Retirement Planner

Create a model retirement plan that includes retirement account balances, anticipated annual withdrawals and several Social Security options.

Roth IRA Conversion

Decide whether a Roth IRA conversion is right for you.

Investing

Investment Returns

Learn whether your anticipated investment returns will meet your long-term investment goals.

Asset Allocator

Estimate how much you should invest in stocks, bonds and cash, based on your age, assets, savings rate and risk tolerance.

Impact of Inflation on Investment Returns Calculator

Determine the effect inflation has on your investment returns over time.

Personal Finance

Enhanced Loan Calculator

Analyze loan payments, terms and interest rates, and receive a complete amortization schedule by month or year.

Accelerated Debt Payoff

Discover how much you could save in interest expenses by consolidating and increasing payments on your debt.

Amortizing Loan Calculator

Determine your desired loan payment or your loan amount, and review your monthly payment schedule.

Refinance Interest Savings

Determine how much refinancing may save you, plus learn the number of months to break even on closing costs with a reduced monthly payment.

Compound Interest

Add up your interest and see how it’ll really benefit your savings over time.

Education

College Savings

Estimate whether you’re saving enough to fund your educational goal.

Taxes

1040 Tax Calculator

Get a preview of your next tax refund or payment when you enter your filing status, income, deductions and credits.

Marginal Tax Calculator

Estimate taxes for your investment, retirement or unexpected income.

Savings, Taxes and Inflation

See how much your savings will be worth after taxes and inflation.

Market Perspectives

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    • The FIVE STAR Wealth Manager Program (“Program”) research was conducted (Insert survey dates from the Five Star table: www.fivestarprofessional.com/wm2012researchdates.htm.) All identified broker dealers, RIA firms and FINRA-registered representatives in the area were contacted to gather wealth manager nominations. Fewer than seven percent of wealth managers in the area receive the recognition. The quality of client service provided by nominated wealth managers was evaluated using ten objective criteria, but results may not represent a particular client experience. Not all wealth managers use discretionary control to manage clients’ assets. Five Star Professional, manages the Program, but does not endorse listed wealth managers. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. For details go to: www.fivestarprofessional.com/wm2012researchoverview.htm
    • As part of the FIVE STAR Wealth Manager ("Program") research process, surveys were administered to at least 20% of high–net–worth households in the area, along with financial service professionals (survey dates and details at: www.fivestarprofessional.com/wmresearchspecs). Fewer than seven percent of wealth managers in the area receive the recognition. Wealth managers were evaluated based on customer service, knowledge, overall satisfaction and other criteria. A score averages all responses and may not represent a particular client experience. Not all wealth managers use discretionary control to manage clients’ assets. Crescendo Business Services, LLC, manages the Program, but does not endorse listed wealth managers. Working with this wealth manager is not a guarantee of future financial success. Investors should conduct their own evaluation of a financial professional.
    • The information in this document is provided by a third party and has been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Ameriprise Financial Services, Inc. While the publisher has been diligent in attempting to provide accurate information, the accuracy of the information cannot be guaranteed. Laws and regulations change frequently, and are subject to differing legal interpretations. Accordingly, neither the publisher nor any of its licensees or their distributees shall be liable for any loss or damage caused, or alleged to have been caused, by the use or reliance upon this service.
    • Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
    • Ameriprise Financial cannot guarantee future financial results.
    • Ameriprise Financial and its representatives do not provide tax or legal advice. Consult with your tax advisor or attorney regarding specific tax issues.

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