Kathryn R. Castro, CFP, CDFA

Kathryn R. Castro, CFP, CDFA

Financial Advisor at Ameriprise Financial Services, Inc. ph:

As an Ameriprise financial advisor, I believe success should be measured not just by your financial well-being, but by how confident you feel about your future. My mission is to help you reach your financial goals through a personal relationship based on personalized, knowledgeable advice. This focus is designed to help you reach your goals, giving you greater confidence. Financial priorities differ from person to person. They can also differ from year to year. At Ameriprise Financial, we think it's important to have a financial plan that's tailored to your needs and has the flexibility to evolve with you. We take a comprehensive approach to financial planning, based on an ongoing relationship with a personal advisor. That's how we get to know you personally: your goals, your worries and your dreams. Then we draw on our more than 110-year heritage to provide experienced guidance to help you develop a financial plan and to find a broad range of financial solutions to meet your needs. That's how The Personal Advisors of Ameriprise Financial help over two million people feel greater confidence about their financial futures. Life is full of surprises and opportunities. We can help prepare you for what's next. Areas of Focus: Retirement Planning Strategies Cash Flow Management Strategies Education Planning Investments Family Finances Meeting with an Ameriprise financial advisor is an important first step. It's an opportunity to get to know an advisor and share your goals and dreams. You're under no obligation; your initial meeting with an Ameriprise financial advisor will be relaxed and informal. Your meeting will include a review of your existing financial situation and potential opportunities, gaps or general strategies. While you won't receive a comprehensive review or financial planning services for which fees are charged, you should expect to get a sense of what it might be like to work together. What to expect: Professional help in clarifying your financial goals and priorities If you decide to purchase a financial planning service, you will receive sound financial advice at a fair price, tailored to your investment objectives Accurate information about our tailored solutions, including risks, benefits and costs What to bring: A list of any questions you have regarding your current financial situation Any account statements, budget information or other areas of your financial life that you feel deserve immediate attention A list of future dreams and financial goals you would like to achieve, including both short- and long-term goals Ameriprise Financial Services, Inc. is a broker-dealer and member of FINRA. Comments and "likes" should not be considered representative of client experiences, or indicative of future performance or success. While I appreciate the support of my clients, I cannot accept Recommendations or Endorsements due to Investment Advisers Act of 1940 rules which prohibit me from publishing a testimonial of any kind concerning the investment advice, analysis, reporting or other services I provide. For your privacy, please don’t post account or service-related information on this page. Instead, contact me directly. Please visit www.ameriprise.com/social for more important disclosures and information. I am licensed and registered to conduct business in NY. Based on licenses and registrations I hold, I may also conduct business in FL, NJ.

[07/25/19]   Regularly rebalancing your long-term investments can help you stay aligned to your asset allocation strategy and manage risks. Let’s review your portfolio soon to keep you on track to meeting your goals.


Planning to travel while on Medicare? Make sure you have coverage at your destination

If your summer travel plans include spending time outside the U.S., you may need additional medical coverage if you’re on Medicare.

cnbc.com Whether you're covered for medical services while away from home depends on where you're going and how you get your Medicare benefits, along with whether you need emergency or routine service.

See a more complete financial picture by quickly and securely adding all of your accounts to Total View. Get started by logging in to your ameriprise.com account.


Switching jobs? Don't make these mistakes with your retirement plan

If you’re changing jobs, you have options when it comes to your old employer’s 401(k).

cnbc.com If you're packing up your desk and heading for better career opportunities, don't forget to review your 401(k) plan. You can keep your money where it is, move it to your new 401(k) or roll it to an IRA. How to decide.

[07/05/19]   Postponing Social Security withdrawals until after your full retirement age could mean a higher monthly benefit. Let’s talk to see if this is the right choice for you.


As you save for retirement, remember these 6 key things about health savings accounts

Health savings accounts are rising in popularity, but many are still unaware of the benefits they offer. Learn more about how HSAs could be part of your retirement savings goals.

usatoday.com 6 things you should know about health savings accounts, or HSAs, such as tax benefits.

Ameriprise provides secure online access to all your accounts. You can see your financial goals and your progress toward them, as well as how the investments and solutions you own are performing.


How Much Can You Contribute to a 401(k) for 2019?

The 401(k) contribution limit increased by $500 for 2019. Learn what advantages you may have by contributing to an employer-sponsored retirement plan during your peak earning years and consult a tax professional.

kiplinger.com The 401(k) contribution limit increased by $500 to $19,000 for 2019. Workers 50 and older can save an extra $6,000 for retirement.


Do you plan to retire by 50? Great, but can you cover your health care?

If your goal is to retire early, you may be too young for Medicare. Learn about options that could help bridge the healthcare gap for younger retirees.

usatoday.com Don’t let health insurance derail your early retirement. Without a job or Medicare, what health care options remain? A handful, it turns out.

Take the time now to talk to your loved ones about their estate plan.

[06/12/19]   Our work together to help you reach your financial goals is ongoing. That’s why we’ll have regular meetings – either in person or online – on a schedule that works best for you.


You should be checking your social security statements. Here's why:

Checking your Social Security statements each year can help ensure that you’re on track to receive the benefits you have earned.

usatoday.com They may not make for the most exciting read, but you need to review them nonetheless.


Credit Cards - Compare Credit Card Offers at CreditCards.com

Sixty-five percent of Americans lose sleep because of financial stress according to CreditCards.com, the highest percentage since the Great Depression. Contact me to learn more about what you can do to help ease financial stress for you, your family or your employees.

creditcards.com Compare Credit Cards & Credit Card Offers at CreditCards.com. Search credit cards and reviews about the best low interest, 0% balance transfer, reward, cash back, prepaid, student, airline, business and instant approval credit cards. Apply for Credit Cards Online.

[06/05/19]   As we work together, you can expect regular conversations to review your investments and progress toward your goals to help ensure you’re staying on track.


15 Financial Steps to Take Your First Year After Graduation

The money decisions your college grad makes today could benefit – or haunt – him or her in the future. Here are 15 financial steps to consider in the first year after graduation.

money.usnews.com Start off your first year on the right financial foot.


More baby boomers stay in their homes as they reach retirement, skipping downsizing

Many boomers are opting to stay in their homes rather than downsizing. Where do you plan to live in retirement?

usatoday.com Many Baby boomers are staying in the houses in which they raised their kids even when they become empty-nesters and retire

Setting goals and reviewing your progress can help you achieve what’s important to you. Let’s discuss how we can work together.

Talking about money

More than half of millennials say it’s more acceptable to talk about money today than it was a decade ago, according to the Ameriprise Modern Money study. Learn how financial attitudes and actions are shifting among investors.

Talking openly about finances can help investors of all ages become more financially confident. Here are a few tips to help you get started.


Planning for a new baby

Are you getting ready to welcome a new baby? I can help set new financial goals to support your growing family.

ameriprise.com It’s never too soon to start adjusting your finances for a child.


Trade Likely to Cast a Shadow Over Investor Sentiment and Corporate Decision Making | Ameriprise Newsroom

The trade dispute between the U.S. and China remains the elephant in the room for investors, according to Ameriprise Chief Market Strategist David Joy.

newsroom.ameriprise.com The latest escalation in the size and scope of tariffs reduces the likelihood that an agreement between the U.S. and China will be reached anytime soon.


Why Women Should Handle Financial Planning

Nearly all women will become the sole financial decision maker in their household at some point in time. Learn why it’s important that women take an active role in financial planning.

money.usnews.com It’s time to understand the true impact of living longer, avoiding risk and prioritizing others.

Employees are hungry for help from employer-sponsored #financialwellness resources. Contact me to learn more about how you can set up a financial wellness program.

Five For The Road

Maybe you have saved for months on end or you are gifting this amazing experience to your kids and grandkids...either way, you want to brush up on all the tips and tricks to make every penny count!

Are you planning your first visit to Walt Disney World? Our best tips for your visit.


Five For The Road

It’s so hard to find a balance between all the demands on your money. Saving for retirement is important, saving for college is important too. What about enjoying the fleeting moments you have with your children while they are still young? You can make that a priority as well!

I'm sharing a few ways we save money when traveling.


Rochester Divorce Source

If you’ve been wondering where to begin...here it is.

Second Saturday covers the legal, financial, family and personal issues of divorce in a logical, yet compassionate way. Our workshops are presented by a team of qualified legal and financial professionals and family counselors. This classroom format will give you ample opportunity to ask questions, meet with divorce professionals, connect with resources for your specific situation, and connect with other women in similar situations. Second Saturdays provides unbiased information that reviews and explores your options and helps you move through the process.

You’d like to continue investing for growth, but also want to help protect your investments from potential losses. Let’s talk about how to prepare for whatever happens next in the market.

Since 1929, there have been 26 bear markets that lasted, on average, for 40 months (source: S&P 500 index). Let’s talk about how to prepare for the next one—whenever it happens.


6 Economic Indicators to Understand

To help understand the overall health of the economy, pay attention to these key financial market indicators.

money.usnews.com If you're worried about the health of the economy, look at these important metrics.

Would you ever downsize? Let’s talk about strategies that could boost your comfort in retirement.


Small-business retirement plan limits increased in 2019. Here's what you need to know

If you are a small business owner, learn about the tax-advantaged retirement savings options available to you.

usatoday.com Own a small business? You should know that you have savings plans at your disposal that allow you to sock away funds for retirement.

Today and every day we respectfully honor the legacy of Rev. Martin Luther King, Jr.

Ameriprise Research: Anticipated Q4 S&P 500 earnings growth of 10.6% YOY, moderate expectations for Q1 earnings growth at 1.8% YOY. Key takeaway from this earnings analysis is that diversification matters amidst increased volatility and macro uncertainty.


Fears of housing downturn may be overblown

Home builder confidence spiked last month thanks to a drop in interest rates. That could be good news if you’re planning to move this year.

cnn.com The housing market is flashing signs of a bounce back in 2019.

Your health is critical to your well-being and living brilliantly. How do you invest in your health?

For those who need a little extra motivation, it’s National Get Organized Month. What will you tackle first?

5 financial habits of affluent families

The core financial habits of millionaire families are surprisingly consistent. How many does your family use?

Research shows that affluent families share certain financial habits. Learn what they are, and how your family can put them to use as you work toward achievi...

When you break down your big financial dreams into manageable goals, they feel more attainable. Accountability is also an important part of reaching those goals. I help my clients stay accountable to their own goals that they have decided are important to living a financially successful life. Do you need an accountability partner?


Smart tips for starting a new venture

Do you dream of starting your own business? Learn how to help turn that dream into reality.

ameriprise.com Here are three important financial considerations you may want to make.


12 Money-Smart Gifts to Give During Retirement

While big ticket wish-list items can be fun, now could be a good time to give a money-savvy gift that could have a lasting impact on a loved one’s financial life.

money.usnews.com Choose meaningful, lasting financial gifts for loved ones this holiday season.


Identity theft: What you need to know

Are you protecting yourself online? Learn three of the most common types of cybercrime, and how you can stay safe.

ameripriseadvisors.com Identity fraud hit an all-time-high in 2017 with 16.7 million U.S. victims. Learn about types of cybercrime and financial fraud so that you can stay protected.


Investors Search for Progress on Key Issues | Ameriprise Newsroom

Last week, the S&P 500 slid 1.6 percent, falling below its 200-day moving average, despite gains on Thursday and Friday. Our Chief Market Strategist David Joy explains.

newsroom.ameriprise.com Investors are hoping for evidence of a breakthrough on trade as the G20 meeting approaches.

Stocks in negative territory for the year as tech rout deepens

Tech and trade worries are contributing to the latest bout of volatility. If you’re concerned, let’s talk.

The losses among tech giants such as Apple and Facebook come amid fears of slowing sales growth and increased trade tensions


Stock market: 5 ways to keep Dow losses from scaring you and messing up your financial plan

While volatility can be unnerving, the markets have historically always rebounded. Experts recommend looking at a broader picture keep things in perspective.

usatoday.com Advice on how to keep stock market losses in perspective and stick to your financial plan.


Year-end tax planning

The Tax Cuts and Jobs Act of 2017 changed what you can deduct in 2018 and beyond. Familiarize yourself with the changes and talk with your tax advisor about strategies to minimize the impact on your tax bill.

ameripriseadvisors.com With the 2018 tax act in effect, planning for April returns is crucial. Review these year-end tax tips to help you offset high tax bills and stay on track.


Tax-Savvy Ways to Manage an Inheritance

Receiving an inheritance could transform your financial life if you manage it wisely. Experts recommend working with a financial advisor to help avoid a large tax bill.

money.usnews.com Receiving an inheritance is helpful, but don't let the potential tax bill surprise you.

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2338 RT 96, PO Box 635
Clifton Springs, NY

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00