Financial Advisor with Ameriprise Financial Services, LLC Putting clients first; it’s what we do
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Many Americans aren’t saving enough for retirement. Consider these three strategies to maximize your savings plan.
usatoday.com Most Americans aren't saving enough for retirement, so consider these three tips on building wealth for comfortable golden years.
Global stock funds received record inflows last week. Chief Market Strategist David Joy discusses fiscal stimulus and elevated valuation risks.
newsroom.ameriprise.com 02/17/2021 David Joy It is getting increasingly difficult to ignore the signs of market excess. The list has long included absolute measures of stock valuation that are near their historical highs, including Price/Earnings, Price/Sales, Price/Book Value, and Price/GDI. Of course, the counter argumen...
Even the most successful professionals benefit from professional financial advice. Let’s talk.
U.S. stocks roared to a record high as COVID-19 infections slow and investor anxiety drops. Chief Market Strategist David Joy discusses key drivers.
newsroom.ameriprise.com 02/08/2021 David Joy After suffering through their worst weekly loss since the end of October two weeks ago, U.S. equities came roaring back with their best gain since the first week in November, closing on Friday at a new record high. The S&P 500® Index surged to a 4.6 percent gain while shrugging...
From Monopoly to Financial Football, these online and board games can help teach your kids basic money management. What games would you add to the list?
cnbc.com Children learn best while engaged and active, experts say. Here is how gaming can help drive important money lessons home to your kids.
Recent market activity reflects new dynamics. Chief Market Strategist David Joy sums up prices, Q4 earnings and a potential stimulus package.
newsroom.ameriprise.com 02/02/2021 David Joy After reaching a new record closing high on Monday at 3855, the S&P 500® index turned lower to record its worst week since the end of October. The index subsequently fell 3.7 percent, seemingly unnerved by the spectacle of the extraordinary short squeeze in GameStop stock, and ...
From family to taxes, there are numerous factors to consider when planning where to live in retirement. What’s at the top of your location wish list?
money.usnews.com These states don't tax pension or Social Security income.
It’s appropriate that National Time Management Month is the shortest month of the year. This February, let’s find time to talk.
While kids can learn many beneficial financial lessons from their parents, they can also absorb negative ones. Consider these common family money mistakes and how to avoid them.
huffpost.com Experts share the harmful financial messages children learn from their parents.
Get the personalized advice you need to envision and build a confident financial future.
Required minimum distributions from retirement accounts were waived for 2020 but resume in 2021. Let’s connect on the best RMD strategy for your situation.
money.usnews.com The CARES Act waived required minimum distributions from IRAs and 401(k)s for 2020, but the waiver was not extended with the most recent COVID relief package.
One of the best ways to teach kids about money is to involve them in financial discussions and decisions. How often do you talk to your kids about money?
ameriprise.com Find out how to teach kids about money so they can be financially responsible in life.
Markets have reached record highs amid the pandemic, economic dynamics and a leadership transition in Washington. Watch experts discuss the economy, stock valuations, fiscal stimulus and corporate profits.
ameriprise.com Explore current analysis and perspectives, webcast videos and other market resources; use our financial calculators and tools; read financial articles, and learn about current tax resources.
A new president brings plans for additional stimulus and an increase in administered vaccines. Ameriprise Chief Market Strategist David Joy weighs in on investor response.
newsroom.ameriprise.com 01/19/2021 David Joy Last week’s economic reports showed the ongoing bifurcated impacts of the coronavirus. Retail sales in December fell for the third straight month, and the November decline was revised lower. Small business optimism fell for the second straight month, to its lowest level since ...
In retirement, structure and community are things you may be surprised to miss. Here are some tips on finding a sense of purpose and connection in this new phase of life.
marketwatch.com A happy, successful retirement needs goals just like any other stage of life
2020 brought many ups and downs. Have your financial goals changed? Let's review and update them to keep you on track in 2021.
Debt, caregiving, and other financial stresses heavily impact Gen Xers, according to recent studies. Together, we can work towards a more confident financial future – no matter what generation you fall in.
forbes.com Advice and empathy for the often-overlooked generation
Stocks have continued to climb since the November elections – but will it last? Ameriprise Chief Market Strategist David Joy explains.
newsroom.ameriprise.com 01/12/2021 David Joy It is somewhat remarkable that domestic equity prices surged to a 1.8 percent gain last week. Not even the shocking assault on the U.S. Capitol Building on Wednesday was enough to derail the powerful rally that has been underway since the election in November. Stocks have climbe...
Pay down debt or save? I can help you make choices that reflect your goals, financial situation and risk tolerance.
ameripriseadvisors.com Trying to strike a balance between paying off debt and saving toward your goals? These insights can help.
Start a new tradition this year; pick your favorite local shop or non-profit and make a commitment to helping them thrive. I have some ideas to help. #communitystrong
What are your expectations for the markets in 2021?
ameripriseadvisors.com What can we expect from markets in 2021?
With the latest COVID-19 relief bill, Congress extended numerous tax breaks for individual taxpayers. I can consult with you and your tax professional to evaluate your situation.
cnbc.com Congress gave taxpayers a little more certainty when they wrapped up the Covid relief bill. A basket of expiring tax provisions will remain in effect.
How will the latest stimulus package and pace of vaccine distribution impact the markets? Ameriprise Chief Market Strategist David Joy shares his insights.
newsroom.ameriprise.com 01/04/2021 David Joy The pace of economic growth in 2021 will largely be determined by the pace of distribution of Covid-19 vaccine. In the U.S., the total number of infections during the pandemic now exceeds 20 million, with 350 thousand deaths. Worldwide those totals are 85 million cases and 1.9 m...
While money is an important piece, setting your goals and finding your purpose are key steps toward feeling confident and happy in retirement.
kiplinger.com You know the saying: Money can’t buy happiness. While that may be true, there is one thing you can do financially to impact your happiness in retirement, and that’s proper planning.
What are your financial goals for 2021? Together, we can work towards achieving your priorities for this year and beyond.
Give a gift that can make a difference long into the life of a child – a head start on growing their finances.
money.usnews.com These gifts can help your kids, grandkids or friends get a head start on their financial futures.
Negotiations over additional economic stimulus and government funding in the U.S. continue without resolution. Ameriprise Chief Market Strategist David Joy weighs in on investor’s response.
newsroom.ameriprise.com 12/14/2020 David Joy Stocks stumbled last week as negotiations over both additional economic stimulus and government funding in the U.S., and a Brexit trade deal in Europe, continued without resolution. Both the S&P 500® index and the Stoxx600 indices fell 1.0 percent. The MSCI All-Country World in...
It can be a tough balance to strike – providing for your children while also assisting in their journey to financial independence. Here are some tips on helping them navigate their road to self-sufficiency.
kiplinger.com If you’ve spoiled your kids – or are worried you might spoil them – here are some steps to take to help ensure they become financially independent.
Running out of money in retirement is a scary prospect – but can be avoided. Here are a few things you can do to help your savings last as long as possible.
usatoday.com Running out of money in retirement is a huge concern. In fact, 43% of Social Security recipients have this fear, reports SimplyWise.
Giving back can be rewarding. I can help you create a charitable giving plan that reflects your values and takes tax considerations into account.
ameriprise.com Like many other things in life, your giving path is likely to be more effective if you plan well for it. Learn some considerations and financial tips to help you get started.
Financial stress can disrupt employee productivity. If you own or manage a local business, contact me to learn how you can help curb the effects of financial stress on your employees by offering a #financialwellness program.
Despite a poor November jobs report, markets ended on a high note last week with anticipation of an upcoming stimulus package.
newsroom.ameriprise.com 12/08/2020 David Joy In an example of when bad news is good news, the weaker than expected November jobs report on Friday sent stocks higher in the belief that labor market weakness would make it more likely that Congress would pass another round of stimulus. Instead of the creating the expected 460...
It’s not too late to save on your 2020 taxes. I can join a conversation with your tax professional to discuss strategies to help lower your tax bill.
ameripriseadvisors.com Here are four strategies that could help reduce your 2020 tax bill.
Increases in online shopping usually lead to increases in online fraud attempts. Learn how to protect yourself from scammers this holiday season.
time.com A holiday shopping spike could put you at increased fraud risk. We asked experts how you can protect your information from scammers this year.
Holiday shopping can be a great opportunity to teach children about saving money for gifts and other financial goals.
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