Nickolus L. Stephens, CFP, CRPC

The duration of an average long-term disability claim is 34.6 months, according to the Council of Disability Awareness. How would you maintain your lifestyle if you couldn’t work for that long? Let’s talk about planning like you would for other emergencies.

One way to understand the value of a company is to compare its stock price relative to the earnings analysts expect the company to produce in the next year. Since Covid-19, the price/earnings (p/e) of large companies has increased, while those of smaller companies has declined. This indicates that smaller companies are relatively cheap. These trends may move either direction in the short-term, however, they often revert to normal in the long-term. Long-term strategic investors should consider the valuation discrepancy as an opportunity to review their current allocation with their Ameriprise financial advisor.

Are you one of the 68% of people who plan to leave real estate to your heirs? Whether it’s a primary residence or a vacation home, communicating your intentions can help mitigate any confusion. Here are three tips to help you start the conversation.

3 tips to successfully passing on real estate to heirs Take proactive steps today to help ensure your legacy is carried out as you wish.

Choosing when to take Social Security is one of the most important decisions you’ll make as you near retirement. You don’t have to make it alone. Let’s work together to evaluate your options and plan for your future.

Geopolitical unrest, record debt levels, inflation, interest rates… Are you worried about how today’s environment is affecting your financial wellness? Let’s discuss the characteristics of different investment options and how to analyze whether they could potentially align with your long-term financial goals.

Employees consider retirement plans to be the most important part of financial wellness. Message me to learn how the Ameriprise Financial Wellness program can help your workplace support employees planning for retirement.

Achieving financial goals takes discipline and a long-range view. What actions are you taking today to reach your goals tomorrow?

As Hurricane Debby approaches, our thoughts are with everyone in the area. Please stay safe.

Curious which party in power will most impact the markets? Historically, the stock market has been resilient. Reach out to discuss ways we can prioritize your long-term investment strategies instead of short-term political events.

The potential for long-term care expenses can pose a significant risk to the wealth you’ve accumulated— wealth you want for retirement or to leave as a legacy. Let’s talk about what you can do to help protect it.

"There has been an important shift in the direction of market action over the last week or so and one where the underappreciated have suddenly sprung to life and are now exacting some revenge on the investors who have doubted (i.e., underweighted) their place within a portfolio.” - Anthony Saglimbene, Ameriprise Chief Market Strategist

A shift in market sentiment gives life to forgotten sectors Get more expert insights by reading the latest Weekly Market Perspectives.

Paying for college is stressful enough, but it’s even harder when you and your child haven’t set expectations on if or how you’ll share the financial burden. Reach out to learn steps you can take to make college more affordable.

Maintaining and balancing all aspects of your overall well-being has become increasingly important in today’s fast-paced world. During this complimentary session, we’ll explore the intersection between financial, physical and mental health, discuss preparing for known and unknown health care costs and explain how to adopt a healthy financial mindset.

Through the Ameriprise Financial Wellness program, we can help your employees understand investing and how they can align their financial strategy to short- and long-term goals. Message me to learn more.

Periods of interest rate changes can bring much uncertainty for the markets and economy. Let’s discuss how previous rate cycles can help you make informed investment decisions.

The path to financial independence looks different for everyone. Help your employees achieve financial freedom by offering them workplace financial education with the Ameriprise Financial Wellness program. Message me to learn more.

Have you checked your 401(k) so far this year? It may be time for a review. I can help you rebalance as needed.

Do you live with a partner but don't plan to marry? Ameriprise Senior Vice President of Financial Advice Strategy and Marketing Marcy Keckler shares why a cohabitation agreement may help you align on key areas like estate and retirement planning.

What Are Cohabitation Agreements and Who Are They For? Experts say issues like money, property, family support and retirement assets need to be part your cohabitation agreement.

Have you considered expanding your portfolio with global stocks? Reach out if you’d like help with your investing strategy.

Are you concerned about how the upcoming elections may affect your financial health? Don't let the noise surrounding the presidential election derail your long-term investment goals. Let’s discuss how to optimize your investment strategy as the 2024 elections approach.

Happy Pride Month!

Congratulations to the class of 2024! Best wishes on your next grand adventure.

Don't underestimate the challenge of getting back to even — the bigger the drawdown, the harder the climb back up. Get in touch to discuss your options.

How does life get better as you age?

Don’t let taxes get in the way of leaving the legacy you want. There’s a solution to help you pass on your wealth tax-efficiently to the next generation. Let’s talk about what you want.