Upcoming events

Passive Income Streams

  • Erin J Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor - Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc.
  • Heritage Wealth Advisors, A Private Wealth Advisory Practice of Ameriprise Financial Services, Inc.

It is said that we are in the most difficult time in history to retire, largely because interest rates are so low. In fact, in September rates dropped to the lowest they’ve ever been (the average bank account is paying 1.9%* and the 30 year US Treasury rate fell to 1.95%**) making it challenging for investors to produce income for their retirement. That said, there are still ways to get healthy income. Come learn ways to produce more income that is sustainable, reliable, and that can grow over time.

• Investments that are currently producing healthy income

• 3 Vehicles that may provide Tax Free Retirement Income
• Investments that may provide recession proof income

• What the large endowments are investing in presently to produce better income

For more information: or email us at lori.aest@ampf.com

This is an informational presentation. There is no cost or obligation. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. There are risks associated with fixed-income investments, including credit risk, interest rate risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer term securities. Heritage Wealth Advisors is a Private Wealth Advisory Practice of Ameriprise Financial Services, Inc., Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2019 Ameriprise Financial, Inc., All rights reserved. 2782108ACMR1019

Year End Tax Strategies

  • Erin J Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor - Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc.
  • Heritage Wealth Advisors, A Private Wealth Advisory Practice of Ameriprise Financial Services, Inc.

Most tax work is done in April for the previous year, after that tax year is over, after many deadlines have passed. Join us for a discussion around how to get more proactive, using strategies that need to occur before the year is over, including new ones now available with the recent Tax Reform.

• Strategy Overview - 10 Tax Strategies with a 12/31 Deadline
• 5 Shrewd Family Money Moves - Including having kids sell highly appreciated stock, funding tax shelters in their names
• RMDs - How to reduce or even avoid the tax on required distributions from IRAs and 401(k)s

For more information: or email us at lori.aest@ampf.com

This is an informational presentation. There is no cost or obligation. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Heritage Wealth Advisors is a Private Wealth Advisory Practice of Ameriprise Financial Services, Inc. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2019 Ameriprise Financial, Inc., All rights reserved 2782109ACMR1019

Financial Bootcamp for Kids - Elementary and Middle School Session

  • Erin Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor - Heritage Wealth Advisors
  • Heritage Wealth Advisors, A Private Wealth Advisory Practice of Ameriprise Financial Services, Inc.

“Teach the children so it will not be necessary to teach the adults.”- Abraham Lincoln

We don’t teach kids enough about money in school, and young adults are sent into the world with little to no formal education in how to make smarter money decisions.

Join us and bring your kids for a discussion around important financial concepts that will not only help put them on a better trajectory, but leave them excited about making better financial decisions.

Mindset:

What reallymakes us happy? (Hint: It's not necessarily money)

Making Money

  • Careers versus jobs
  • Chores
  • Helping neighbors
  • Starting a business

Investing

  • Getting your money to make money for you
  • Why Einstein called compound interest the 8th Wonder of the World
  • Where Money Goes

Needs Versus Wants

  • Save
  • Spend
  • Give

Borrowing
•The Plastic Piranha and
•Tyrannosaurus Debt

For more information: or email us at lori.aest@ampf.com

This is an informational presentation. There is no cost or obligation. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2020 Ameriprise Financial, Inc., All rights reserved. 2969516ACMR0320

Planning to Give

  • Erin J Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor - Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc.
  • Heritage Wealth Advisors, A Private Wealth Advisory Practice of Ameriprise Financial Services, Inc.

Our money can only go to three places: Our heirs, the IRS, or to charity...Many of us have some level of control over what percentage goes to the IRS. Join us to learn strategies for reducing what goes to the IRS and increasing what can go to the charities you support.

• Lessons Learned - Why Rockefeller lost 64% of his estate to taxes while Kaiser only lost 2%.

• Family First - How some families are able to significantly reduce taxes with Estate Planning Strategies
• Pass It On - Why 70% of inheritances don't make it past the first generation to inherit it. - Learn strategies to help heirs from overspending their inheritance.

• Strategy Overview - Donor Advised Funds, Charitable Remainder Trusts, Dynasty Trusts, Marital Trusts, Foundations, Legacy Trusts, LLCs, LPs, & more

• Case Study - How one family reduced their taxes by $134,000, increased what went to their heirs by $226,000 AND made a $430,000 gift to charity

For more information: or email us at lori.aest@ampf.com

This is an informational presentation. There is no cost or obligation. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2019 Ameriprise Financial, Inc., All rights reserved. 2699459ACMR0919

Past events

Financial Bootcamp for Kids - Elementary and Middle School Session

  • Erin Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor - Heritage Wealth Advisors
  • Heritage Wealth Advisors, A Private Wealth Advisory Practice of Ameriprise Financial Services, Inc.

“Teach the children so it will not be necessary to teach the adults.”
- Abraham Lincoln

We don’t teach kids enough about money in school, and young adults are sent into the world with little to no formal education in how to make smarter money decisions.

Join us and bring your kids for a discussion around important financial concepts that will not only help put them on a better trajectory, but leave them excited about making better financial decisions.

Mindset

What reallymakes us happy? ( Hint : It's not necessarily money)

Making Money

  • Careers versus jobs
  • Chores
  • Helping neighbors
  • Starting a business

Investing

  • Getting your money to make money for you
  • Why Einstein called compound interest the 8th Wonder of the World
  • Where Money Goes

Needs Versus Wants

•Save
•Spend
•Give

Borrowing

•The Plastic Piranha

and

•Tyrannosaurus Debt

Next Session on Nov 18th

This is an informational presentation. There is no cost or obligation. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2020 Ameriprise Financial, Inc., All rights reserved. 2969516ACMR0320