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.

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.


These 100-Year-Old Retirees Are Running, Teaching Yoga, and Living Their Best Lives. Here Are Their Secrets to Happiness

The world’s centenarian population is expected to grow eightfold by 2050. Learn the secrets to longevity and what the impact could be on your retirement savings.

time.com Welcome to the future of retirement.


5 things to save your financial life when you're in your 30s

For many people in their 30s, saving for retirement is a top financial priority, according to the Ameriprise Ages, Stages and Money study. Learn what you can do to help stay on track toward your goals.

cnbc.com How to set up a safety net for the top financial challenges in your 30s.


When to begin collecting Social Security

When is the best time to start drawing your Social Security benefits? I can help you weigh all the factors so you can arrive at a decision.

ameriprise.com Your income needs, life expectancy and retirement income plans are just a few considerations in deciding when to take benefits.


How to avoid these common money mistakes in college

Here are some financial tips for you and the college student in your life before they head to campus this fall.

cnbc.com Most students are navigating new financial territory when they reach college. Here's how to avoid costly mistakes.

Fall means shorter days, cooler weather and a return to a more set routine. It can be a good time to pause and reflect on your short and long term financial goals.


Retirement checklist: Tips to help you organize and manage your finances

Organizing your finances can help you manage them better for yourself or your loved ones. Here are some tips to help you put your finances in order.

ameriprise.com Learn how to organize your financial accounts for your peace of mind or for your beneficiaries.

What are you looking forward to in the next 1-3 years? Exciting life events can be expensive. Let's talk about how you could make the most of your cash to help cover those expenses. Call or email me today!


From investing to debt to budgeting, 19 financial mistakes millennials should avoid

Young people have the benefit of time when it comes to money matters. Learn the pitfalls to avoid as you begin your financial journey.

usatoday.com The money moves you make when you're young are going to set the stage for future financial success, or make it harder for you to achieve your dreams.


These are the 5 largest college savings plans in the country

More than 30 states offer a tax break for 529 plan contributions. Learn the benefits and then let’s discuss whether this is a fit for your education savings strategy.

cnbc.com It's no secret that 529 plans can help you save on both college expenses and taxes. These five plans are picking up the largest shares of families' cash. See if your state's plan made the list.

September was College Savings Month. If you missed it, don't worry, it's not too late. I can help you determine a savings plan for yourself or a loved one.


Investors Turn to Third Quarter Earnings for Signs of Trade Tension Impacts | Ameriprise Newsroom

Investors have put aside the issue of trade uncertainty until there is further tangible evidence of its impact and are focusing on the ongoing strength of the economy.

newsroom.ameriprise.com With the new North American trade deal, and negotiations between the U.S. and the European Union seemingly in abeyance, the focus is on China.

What advice would you share with someone just starting out, or making a late career change by opening their own business?


How to pay for a college degree when you have bills, kids and a mortgage

Thinking about going back to school later on in life? Here are some tips for financing your education.

usatoday.com Many Americans pursue higher education not after high school, but in later years when they have to juggle obligations such as children or a mortgage. Between 2005 and 2015, the enrollment of people 25 and over in degree-granting institutions increased by 13 percent.


4 Questions to Ask about Car and Home Insurance When You Move

Preparing to move? Don’t forget to add these insurance items to your to-do list.

ameriprise.com Car and home insurance coverage can change significantly when you move to a new home. Ask these 4 questions to find out what insurance policy changes you may see when you move.


Here are some easy steps women can take to shore up their retirement savings

Women can expect an average five-year income gap in retirement. Learn what you can do now to help bolster your savings.

cnbc.com The income gap for women during their earning years seems to persist once they've left the workplace. Here's how to plan for that.

Whether you're saving for a special trip or unexpected life events, when it comes to your cash, balance is key. I can help review your cash strategy.


This Is the Single Best Way Divorced Women Can Secure a Successful Retirement

Many women going through a divorce fight to retain the family home. There are many risks that come with that asset. Here is one article that explains why it might make sense for some, despite the risks.

time.com Alert your lawyers.


5 financial mistakes to avoid

People today are living longer, more active lives. That’s why it’s important to plan well for your retirement, even if it’s many years down the road. Here are some tips to help you avoid common financial missteps along the way.

ameripriseadvisors.com Avoiding — or fixing — retirement planning mistakes can help you prepare for a secure future. Review common retirement mistakes and strategies to fix them.

A family vacation can be a valuable outcome of careful planning. It's not against the rules to save money in order to spend it on something like a family vacation. Let’s discuss incorporating a travel fund into your financial goals.


What you need to know about your employee stock purchase plan

Does your employer offer a stock purchase plan for employees? Learn how it could boost your bottom line.

cnbc.com Your employer may let you buy company stock at a discounted price. Here's how to factor this into your financial plan.

[08/18/18]   Some people don't get serious about estate planning until they are nearing retirement. But it can be part of your financial goals long before then. If we haven’t already, let’s begin talking about your legacy plan the next time we meet.


6 Factors to Consider Before Using Your Retirement Savings for Caregiving

Caring for an aging parent can mean additional expenses. Avoid tapping your retirement savings by sticking to these strategies.

money.usnews.com Explore options to preserve your own retirement nest egg when providing care for a loved one.

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2338 RT 96, PO Box 635
Clifton Springs, NY

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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