When you're making an important decision, who do you turn to for financial advice? Chances are, you seek help from the people who know you best, people who can help you make the right decision based on your values and goals.

There's a reason why more people come to Ameriprise for financial planning than any other company and it all begins with our unique Dream > Plan > Track >^® approach to financial planning. Working together we'll define your dream, develop your plan and track your progress, helping to make sure your dreams and your plans are one and the same.

Find out how I can help you plan to achieve your dreams.

What is the Dream > Plan > Track >^® approach?

Define your DREAM

We'll talk with you about the needs you have today and your dreams for tomorrow, from paying for college to saving for a comfortable retirement. Together we'll determine where you'd like to go, what you'd like to do and where you'd like to be in years to come.

Develop your PLAN

We provide a tailored financial plan based on a clear understanding of your needs, situation and goals. Then, we will determine the right combination of products and services needed to implement your financial plan.

TRACK your progress

Your needs and goals evolve over time. Through our ongoing relationship, we'll revisit your plan and make adjustments to your strategies and tactics, helping you stay on track.

Who is Ameriprise?

Today, we are America's leader in financial planning¹. We have 115 years of history, and offer our clients a broad array of products and services to help them save, spend, invest and protect the things that are important to them. Our unique and collaborative Dream > Plan > Track > ^® approach to financial planning offers each of our clients a one-to-one relationship with one of our more than 10,000 branded advisors.³

We have more than 2 million individual, business and institutional clients as of December 31, 2008² and reported $372 billion in assets owned, managed and administered.³

Ameriprise Financial is built on a 115-year heritage of helping people change how they think about money.

Why Ameriprise?

True financial planning is a comprehensive, ongoing approach to managing many areas of your financial life that takes into consideration your income, expenses, investments and debt; your short-term and long-term goals such as paying for college or retiring comfortably; your taxes and financial risks such as disability and death; and, finally, leaving a legacy.

From beginning a new career to leaving a legacy for your grandchildren, each stage of life comes with a new set of hopes and concerns. Ongoing financial planning can help you navigate all the changes in your life with more confidence.

An Ameriprise financial advisor can help you prepare for the life-changing events that impact your finances. Your advisor will take a look at your overall financial needs, including your current situation and your goals for the future. Together, you'll work to create a financial plan based on your dreams and goals, and track your progress toward achieving them.

Why financial planning?

Have you ever wondered if you need a financial plan? If you're like many consumers, you'll feel more in control of your financial future if you have a plan. According to a recent national study, people with a plan feel more confident and on track with their financial goals - even in today's volatile market. Nearly 9 out of 10 (88%) respondents with a comprehensive financial plan feel they have a clear financial direction, a number almost 50% higher than those without professional planning services.

Read more about this landmark study and find out how your views on financial planning compare with those in the survey.

Contact me to get your copy of The FPA and Ameriprise Value of Financial Planning study.

Leaving your employer? Consider your 401(k) plan options

If you're like many people today, you've been affected by a job loss - either directly or indirectly through family and friends. Although deciding what to do with your employer-sponsored retirement plan isn't a top priority when going through a job loss, once the dust settles and your more pressing needs have been addressed, it's time to weigh your 401(k) options.

Make the most of your IRA

Things to consider:

• What Is a Traditional IRA?
• Rules on Contribution Limits
• Tax Treatment of IRAs
• The Magic of Tax-Deferred Compounding
• Consider the Advantage of Tax Deferral
• Change Jobs, But Keep Your Retirement Money
• Withdrawing From Your IRA
• New Income Limits for IRA Deductibility
• Consult Your Financial Advisor

Using a rollover IRA to consolidate multiple retirement assets

Things to consider:

• Rollover IRAs Offer a Wide Range of Benefits
• Efficient Rollovers Require Careful Planning
• Special Considerations for Company Stock
• How much could that cash distribution be worth when you retire?
• Potential Downsides of IRA Rollovers to Consider

Your retirement plan assets may be one of the most important legacies you take with you when you move from one job to another. Intended to help provide financial security later in life, these assets need to be managed carefully and invested wisely in order to help ensure that they will be available when eventually required.

Products

Banking and cash management

• Find the solutions you need to streamline your financial life today - investment and cash management accounts, credit and debit cards, CD, savings and checking accounts.

Investments

• Ameriprise financial advisors give you access to numerous investment options and brokerage account types, so you can build a portfolio designed to help you achieve your financial goals.

Insurance

• Life can surprise you. So help protect your family and your assets with your choice of flexible products: life insurance, disability income, auto and home, long-term care, as well as annuities for retirement.

Lending

• Get the funds you need to make a purchase, buy a home or consolidate debt with an array of credit cards, mortgages and home equity lending solutions. We offer competitive rates, quick approvals, and convenient options.

Paul J. Di Palma, MS, CFP^®, ChFC^®, CLU^®, CRPC^®
Senior Financial Advisor | CERTIFIED FINANCIAL PLANNER^™ practitioner
175 Hillside Road, Cranston, RI 02920
(401) 824-2526

Paul is licensed and registered to conduct business in RI. Based on licenses and registrations he holds, he may also conduct certain business in WY, NV, AZ, CA, CT, FL, HI, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NY, OR, PA, SC, TX, VA, VT, WA, GA. CA Insurance #73055.

¹Ameriprise helped pioneer the financial planning process more than 30 years ago. Our unique Dream > Plan > Track >^® approach is about more than just numbers, it's both science and art. We have more financial planning clients and more CERTIFIED FINANCIAL PLANNER^™ professionals than any other company in the U.S. based on data filed at adviserinfo.sec.gov and documented by the Certified Financial Planner Board of Standards, Inc. as of Dec. 31, 2008.

²Source: Company Data

³Source: Ameriprise Financial Second Quarter 2009 Statistical Supplement, July 23, 2009

The Financial Planning Association (FPA) and Ameriprise Value of Financial Planning Study: Consumer Attitudes and Behaviors in a Changing Economy, was conducted online within the United States by Harris Interactive on behalf of the Financial Planning Association and Ameriprise Financial between June 27 and July 18, 2008 among 3,022 adults with greater than $50,000 in annual income or investable assets. While market volatility was significant during the study period, the dramatic financial developments later in the year, which may have affected attitudes and behaviors reflected in this report, had not yet occurred. No estimates of theoretical sampling error can be calculated; a full methodology is available.

Mortgage products, home equity loans and home equity lines of credit are offered by Ameriprise Bank, FSB, Member FDIC, an Equal Housing Lender, which is a subsidiary of Ameriprise Financial, Inc. Ameriprise Bank, FSB, also provides certain lending and deposit products and personal trust services for Ameriprise Financial, Inc.

Auto and Home insurance is underwritten by IDS Property Casualty Insurance Company, or in certain states, Ameriprise Insurance Company, De Pere, WI. Each company is a wholly owned subsidiary of Ameriprise Financial, Inc.

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services described may not be available in all jurisdictions or to all clients.

RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.

Ameriprise Financial cannot guarantee future financial results.

© 2009 Ameriprise Financial, Inc. All rights reserved.