Upcoming events

State of the Markets Update

  • 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

In 2009, the Dow Jones dropped to 6600 points. Since then, it has roughly quadrupled, during a time when the economy has grown at a below average rate. This growth has occurred in spite of the COVID crisis and historically bad unemployment and GDP levels.

Will the markets continue their rebound or will the deep recession finally impact the markets? Join us as we share thoughts on the state of the markets, leading national & international trends, and how best to prepare for what is next.

• How to take advantage of the volatility
• What the "Smart Money" is doing with their money
• What to do if this recession results in a 50%+ decline

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. Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2019 Ameriprise Financial, Inc., All rights reserved. 2864018ACMR1219

Estate Planning

  • 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

While it might not be the most exciting subject in the world, Estate Planning is foundational is every financial plan. We want our money to serve us during our lives, with whatever remains going to our kids and family, to causes we support, and to our community. Join us as we share strategies that balance simplicity and effectiveness, that provide for us if we become sick or incapacitated, and that can help minimize taxes, allowing us to make potentially a larger impact on our family and charities we support.

• Basics – Strategies for preserving your estate and avoiding probate

• Advanced – Strategies for potentially reducing taxes

• Planned Giving – Strategies for tax efficiencies to support causes you believe in and still provide a legacy for your loved ones

• Easy Wins -Strategies to use now that you can implement yourself

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. Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2020 Ameriprise Financial, Inc., All rights reserved. 3063611ACMR0520

From the Hill to the Street: An Insider's Perspective

  • Paul Nicely, Regional Sales Representative - Eaton Vance Investment Managers
  • Erin Scannell, CFP®, CLU®, ChFC®, AAMS®, Private Wealth Advisor

Join us for "inside the beltway" insights on the latest developments in Washington and the information you need to navigate any changes that lie ahead for Investors
• The 2020 Election Landscape
• Tax Cuts & Jobs Act and its residual effect on business owners, investors and the markets
• President Trump's trade & legislative initiatives

To reserve a spot: call us at 253.851.0717 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. Paul Nicely & Eaton Vance Investment Managers are not affiliated with Ameriprise Financial, Inc. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
Ameriprise Financial Services, Inc., Member FINRA and SIPC. Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc. Ameriprise © 2019 Ameriprise Financial, Inc., All rights reserved. 2827833ACMR1119

Creating Tax Free Retirement Income

  • 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 significant amount of the wealth in the US is in common retirement plans, such as 401(k)s and IRAs. The majority of these monies will be fully taxable as ordinary income.

Join us for a discussion around how to help mitigate this future tax issue, by creating Tax Free Retirement Income.

• How to diversify the taxation of your money and reduce long term tax rates
• Case Study- how one family has an income of $150,000/year with an average tax rate of 7%
• Three Vehicles that can provide Tax Free Retirement Income
• While Roth IRAs have contribution limits of $6,000/year, learn which other vehicles have no limits

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. Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, Inc. Ameriprise Financial Services, LLC., Member FINRA and SIPC. © 2020 Ameriprise Financial, Inc., All rights reserved. 3063342ACMR0520

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

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

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

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

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

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

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

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 – May 5th, 2020 - Middle & High School Age 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.

For Middle School and High School kids (but we encourage kids as young as 6 to attend)
“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 really makes us happy? (Hint: It's not necessarily money)

Common mistakes adults make and how to avoid them

Making Money

• Careers versus Jobs• Entrepreneurship• Negotiating Pay Raises• Side Hustles• Building a Network

Setting Goals

Why does a small percentage of the population make significantly more than the rest?

Where Money Goes

• Needs versus Wants• Save or Spend?• Major Expenses
- Cars
- Moving Out
- College

Borrowing & Investing

• Borrowing Money• The Plastic Piranha• "Be the Bank"• Investing - Getting your money to make money for you

Next Sessions On June 20th, Sept 12th, & Nov 21st

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. 2590652ACMR0619

Financial Bootcamp for Kids- Elementary Age Session May 5th 2020

  • 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.

For Elementary School kids (but we encourage kids as old as 14 to attend)

“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 really makes 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 Sessions On Sept 12th, Nov 21st

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. 2590652ACMR0619

Financial Bootcamp for Kids - Middle & High School Age 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.

For Middle School and High School kids (but we encourage kids as young as 6 to attend)

“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 really makes us happy? (Hint: It's not necessarily money)

Common mistakes adults make and how to avoid them

Making Money

  • Careers versus Jobs
  • Entrepreneurship
  • Negotiating Pay Raises
  • Side Hustles
  • Building a Network

Setting Goals

Why does a small percentage of the population make significantly more than the rest?

Where Money Goes

  • Needs versus Wants
  • Save or Spend?
  • Major Expenses
    - Cars
    - Moving Out
    - College

Borrowing & Investing

  • Borrowing Money
  • The Plastic Piranha
  • "Be the Bank"
  • Investing - Getting your money to make money for you

Next Sessions On June 20th, Sept 12th, & Nov 21st

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. 2590652ACMR0619

Financial Bootcamp for Kids - Elementary Age 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 really makes 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 Sessions On June 20th, Sept 12th, Nov 21st

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. 2590652ACMR0619