Past events

College Planning

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Erin Scannell, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, Private Wealth Advisory Practice of Ameriprise Financial Services, LLC.

With college costs rising at a rate double thatof inflation, many kids end up buried in student loans. Join us as we look atthe benefits of planning ahead. We will cover the following topics:

  • Expected Family Contribution- how you may qualify for more aid
  • “Needs Based” Financial Aid including exploring new tax credits
  • Often Missed Sources- Running Start, WUE, Work Study, OneClass
  • Way to shelter assets and income
  • Tax shelters- 529, Trusts, GET, Education IRAs, Roth IRAs, etc

There is no cost or obligation.

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.

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.

Market Update

PST

You must RSVP to receive access credentials for this event or seminar

Erin Scannell, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, Private Wealth Advisory Practice of Ameriprise Financial Services, LLC.

2022 was certainly a challenging year for investors with the worst inflation in four decades, record breaking interest rate hikes by the federal reserve, and the fear of recession causing losses across most major market indexes. Some leading economic indicators are now pointed towards recession and the war in Ukraine continues to increase the threat of a global recession. On the other hand, some believe the recession is already “priced-in” to the market and that there are many reasons to be optimistic for a robust recovery, even if we do experience recession in 2023.

Our investment team is hosting a market update on what is expected for the economy. Plus, we’ll share strategies you can use to protect yourself from and take advantage of this volatility. We will cover many topics, including the following:

- How can we prepare our financial plans for the next virus

- Leading indicators –12 things that have historically foreshadowed recessions and what they are now saying

- Strategies to hedge your goals from the volatility

- Strategies to take advantage of the volatility

-Tax mitigation strategies to consider before April 15th

There is no cost or obligation.

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.

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.

Year End Tax Strategies

PST

You must RSVP to receive access credentials for this event or seminar

Erin Scannell, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, Private Wealth Advisory Practice of Ameriprise Financial Services, LLC.

If you’re like the average American, you spend more on taxes than food, clothing and housing combined. And, if you’re like the average American, you pay a higher tax rate than many billionaires. Why not take a page from the playbook of some of the wealthiest families in the world, and adopt amore proactive approach to your taxes?

That’s what this free Year-End Tax Strategy workshop is all about. Join us to learn top strategies to take advantage of before the yearends. We’ll share what we believe is the most comprehensive and actionable framework for helping you move past where most taxpayers exist, which is in the misery of simply “letting taxes happen”.

In this complimentary session, we’ll cover the following topics:

· How to get tax benefits from the volatility of the stock market

· The “window” of time we have before tax rates go up

· “Stacking” deductions in 2022 for a potentially bigger tax break

· How some taxpayers get tax deductions for buying certain SUVs

· Required Minimum Distributions – how to reduce or even avoid the tax on required distributions from IRAs and 401ks

· How to put in $20,000 above the typical 401klimit through catch-up and after-tax contributions

· How the backdoor Roth IRA works

· How to set up a Tax Holiday

· Whether to use your HSA or FSA

· Whether to do upstream or downstream gifting to take advantage of lower tax brackets

Special Guest: Trent Trailov, CEO, Trail CPA joining us for Q&A discussion

There is no cost or obligation to attend.

Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

A Roth IRA is tax free as long as investors leave the money in the account for at least 5 years and are 59 1/2 or older when they take distributions or meet another qualifying event, such as death, disability or purchase of a first home.

Ameriprise Financial, Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney.

Trent Trailov and Trail CPA are not affiliated with Ameriprise Financial, Inc.

Investment products are not insured by the FDIC, NCUA or any federal agency, 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.

Ameriprise Financial cannot guarantee future financial results. 5181379ACMR1122

Planning to Give

PST

You must RSVP to receive access credentials for this event or seminar

Erin Scannell, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, Private Wealth Advisory Practice of Ameriprise Financial Services, LLC.

Our money down the road can only go to three places: Our heirs, the IRS, or to charity - and many of us have control over how much goes to the IRS. Join us to learn strategies for redirecting what otherwise might go to the IRS to the charities you support. Topics that will be discussed are:

  • How to get tax benefits now for gifts that are made to charity sometimes in the future
  • How to avoid tax on RMD's (required withdrawals from IRAs and 401k's)
  • How to get certain benefits of trusts (probate avoidance, creditor protection, control over when kids get money, etc.) without the costs of setting up a trust
  • Donor Advised Funds, Dynasty Trusts, Capital Gains Bypass Trusts

There is no cost or obligation.

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.

Ameriprise Financial cannot guarantee future financial results.

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.

Year End Tax Strategies

PST

You must RSVP to receive access credentials for this event or seminar

Erin Scannell, CFP®, CLU®, ChFC®, AAMS®

Heritage Wealth Advisors, Private Wealth Advisory Practice of Ameriprise Financial Services, LLC.

If you’re like the average American, you spend more on taxes than food, clothing and housing combined. And, if you’re like the average American, you pay a higher tax rate than many billionaires. Why not take a page from the playbook of some of the wealthiest families in the world, and adopt amore proactive approach to your taxes?

That’s what this free Year-End Tax Strategy workshop is all about. Join us to learn top strategies to take advantage of before the year ends. We’ll share what we believe is the most comprehensive and actionable framework for helping you move past where most taxpayers exist, which is in the misery of simply “letting taxes happen”.

In this complimentary session, we’ll cover the following topics:

· How to get tax benefits from the volatility of the stock market

· The “window” of time we have before tax rates go up

· “Stacking” deductions in 2022 for a potentially bigger tax break

· How some taxpayers get tax deductions for buying certain SUVs

· Required Minimum Distributions – how to reduce or even avoid the tax on required distributions from IRAs and 401ks

· How to put in $20,000 above the typical 401k limit through catch-up and after-tax contributions

· How the backdoor Roth IRA works

· How to set up a Tax Holiday

· Whether to use your HSA or FSA

· Whether to do upstream or downstream gifting to take advantage of lower tax brackets

Special Guest: Trent Trailov, CEO, Trail CPA joining us for Q&A discussion

There is no cost or obligation to attend.

Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

A Roth IRA is tax free as long as investors leave the money in the account for at least 5 years and are 59 1/2 or older when they take distributions or meet another qualifying event, such as death, disability or purchase of a first home.

Ameriprise Financial, Inc. does not offer tax or legal advice. Consult with a tax advisor or attorney.

Trent Trailov and Trail CPA are not affiliated with Ameriprise Financial, Inc.