How To Stay Safe from Cyber Crime and Identify Theft
Jeff Lanza, Retired FBI Agent, Keynote Speaker
Ameriprise Financial Services, LLC
The presentation will focus on these areas:
The impact of technology
Understanding the Threats
Protecting You and Your Family
Accountability and Support
John Hancock Investment Management and its representatives are not affiliated with Ameriprise Financial.
This is an informational event. There is no cost or obligation.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.
© 2021 Ameriprise Financial, Inc. All rights reserved.
How to cover long-term or extended care costs
Cameron Crocker, Regional Vice President - RiverSource
Todd Mackler, Branch Manager, Ameriprise Financial
Join us for a special presentation:
- How to cover extended and long-term care costs
• Identify potential long-term and chronic care needs
• Understand how these needs could affect your lifestyle
• Protect yourself financially from long-term or chronic care expenses
? FIXED LIFE INSURANCE, ADVANCESOURCEACCELERATED BENEFIT RIDER ? NOTA DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOTBANK, CREDIT UNION OR SAVINGS & LOAN GUARANTEED ? Before you purchase, be sure to ask your advisor about the life insurance policy’s features, benefits and fees, and whether the life insurance is appropriate for you, based upon your financial situation and objectives.
The Confident Retirement approach is not a guarantee of future financial results. ?The Advance Source rider is added to a life insurance policy at application; as part of the life insurance policy underwriting process, a medical exam may be required. ?The Advance Source rider accelerates the death benefit for qualified long-term care services. This rider is not considered long term care insurance in some states, does not qualify for state long term care partnership programs and is not a Medicare supplement policy. Receipt of accelerated death benefits may affect eligibility for public assistance programs. ?The Advance Source rider benefit is intended to qualify for exclusion from income within the limits of the Internal Revenue Code in effect at the issuance of the rider. Benefits received in excess of those limits may be taxable (e.g., insured receives benefits from multiple sources, such as an individual long-term care policy and the Advance Source rider). ?Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit, and negate any guarantees against lapse. Surrender charges may apply to the policy and loans may be subject to interest charges. Although loans are generally not taxable, there may be tax consequences if the policy lapses, or is surrendered or exchanged with an outstanding loan. Taxable income could exceed the amount of proceeds actually available. Surrenders are generally taxable to the extent they exceed the remaining investment in the policy. If the policy is a modified endowment contract (MEC), pre-death distributions, including loans from the policy, are taxed on an income-first basis, and there may be a 10% federal income tax penalty for distributions of earnings prior to age 59?. ?Neither RiverSource Life Insurance Company, nor RiverSource Life insurance Co. of New York, nor their affiliates or representatives, offer tax or legal advice. Consult with your tax adviser or attorney regarding your specific situation. ?This material does not constitute tax, legal, or accounting advice, and neither the issuing company nor any of its agents, employees, or registered representatives are in the business of offering such advice. This material cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. Anyone interested in tax, legal or accounting advice should seek advice based on his or her particular circumstances from independent, professional advisors. ?Neither RiverSource Life Insurance Company nor RiverSource Life Insurance Co. of New York can guarantee future financial results. ?Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. ?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. © 2020 RiverSource Life Insurance Company. All rights reserved.
The Power of Feeling Your Best! Virtual Health and Wellness
Chris Johnson, Founder and CEO, On Target Living
Exercise, healthier eating habits and a good night’s rest all contribute to higher performance, to be at our best. This informative session will offer focused strategies to achieve positive results.
There is no cost or obligation to attend. Putnam Investments and its representatives are not affiliated with Ameriprise Financial Services, LLC, Member FINRA and SIPC