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Take Charge of Your Retirement - Five Realities You Need to Consider

Peter J. Bonfilio, Senior Regional Vice President - RiverSource Annuities

Ameriprise Financial Birmingham and Tuscaloosa Branches

Please join us for an informative seminar on your retirement

Riversource Annuities; PJ Bonfilio

VARIABLE ANNUITIES:

Are not a deposit of any bank or bank affiliate/ Are not FDIC insured. Are not insured by any federal government agency/ Are not bank guaranteed. May lose value. 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. RiverSource products are offered by affiliates of Ameriprise Financial Services, Inc., Member FINRA and SIPC. CA License #0684538. RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial Services, Inc. RiverSource does not provide investment advice.

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