Anand & Associates

Not all financial goals have the luxury of time. With today’s higher interest rates, a short-term investment is an accessible place to park money for near-term goals, while also earning interest. Let’s review your options during our next meeting.

Tips on short-term investments Short-term investment strategies differ from long-term strategies. Review our investment tips to help you plan for a short investment time horizon.

What goals have you set to create a happy and healthy life for you and your loved ones?

Did you know that all families should fill out the FAFSA, regardless of how much they earn? Let’s connect if you’d like to discuss strategies to save for your child’s education — and how FAFSA may play a role.

New FAFSA rules: How changes may affect your student’s financial aid eligibility Plan for college expenses with more confidence.

Don’t let emotions and market headlines impact your long-term goals. I’m here to help you feel more confident during periods of market stress.

Strategies for navigating market volatility Find out how to prepare and stay the course during the market’s ups and downs.

Will Medicare cover all of your health care costs? Don't let common myths like this get in the way of building your dream retirement.

Breaking down 6 common retirement planning myths aking into account these 6 common retirement myths can help you create a more realistic retirement plan and withdrawal strategy.

79% of employees find that receiving resources from their employer on retirement planning is important. Message me to learn how your workplace can help support and deliver retirement planning education to your employees.

In the unfortunate circumstance that you lose a loved one, Social Security survivors’ benefits can offer financial peace of mind. I’m here to help and guide you through the process of applying for these benefits.

What to know about Social Security survivors benefits Social Security survivor benefits can help aid your family if a loved one passes. Here’s what you need to know about the program.

“It's mid-August, and we are in a seasonally weak period for stocks. Volatility usually climbs in August and September, and an upcoming election in November may keep markets wound tight and susceptible to periodic downdrafts.” – Anthony Saglimbene, Ameriprise Chief Market Strategist

Stocks recently posted their best week all year: where did all the market volatility go? Get more expert insights by reading the latest Weekly Market Perspectives.

Stocks and bonds: What’s the optimal mix? While both can help grow your money, there are several important distinctions to consider. I can help you get started.

Investing in Stocks and Bonds Learn about the benefits and risks of investing in stocks and bonds.

The first half of 2024 is in the books. Ameriprise Financial Chief Economist Russell Price provides his insights on what may be in store as the year progresses.

2024 midyear economic outlook Find out what the future may hold for the U.S. economy.

I can help you tune your bond and fixed income allocation for what may lie ahead.

Where are bond yields heading? Why investors may want to make a move to fixed income before interest rate cuts transpire.

If you have questions about the market and economic trends shaping your investments, let’s connect.

Midyear market pulse check Get the outlook for the second half of 2024.

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

Finding the right balance between risk and reward can help minimize financial stress. In times of turbulence, rebalancing can help bring your portfolio back in line with your long-term strategy. I can review your investment mix and see if rebalancing is right for you.

How rebalancing can help you stay the course Rebalancing your portfolio can help you fight instincts to sideline assets when markets get rough.

Fact or fiction?: Annuities are only for retirees. Get the truth behind this myth and more in this article.

www.ameripriseadvisors.com

Protect yourself and your loved ones financially from life’s uncertainties so they could carry on with the lifestyle you want for them. Let’s set up time to review your protection plan.

For many, long-term care costs are an overlooked expense in their retirement planning. Here’s an overview of this topic.

How to plan for the cost of long-term care Find out how you can plan now for potential long-term care costs in the future.

With the Tax Cuts and Jobs Acts set to expire at the end of 2025, investors may want to consider how they can take advantage of the lower tax brackets. This strategy is one way to do so.

Tax-gain harvesting, explained Potentially save on taxes when selling appreciated assets with this lesser-known tax strategy.

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.

Annuities come in many different forms and can be challenging to understand. I can help you make sense of them ― and how they may fit into your retirement income strategy.

6 common annuity myths — debunked Clear up common misunderstandings about this investment product.

“The economy is growing, which is a positive for corporate profits, which should be a positive for stock prices outside of some near-term volatility.” - Anthony Saglimbene, Ameriprise Chief Market Strategist

Market rotation continues as investors eye big tech earnings, fed decision Get more expert insights by reading the latest Weekly Market Perspectives.

Fluctuating markets can sometimes lead to emotion-driven investment choices. Before you make a move, let’s connect to discuss any changes to your risk tolerance and time horizon.

3 ways to help reduce investment risk How can you mitigate investment risk? Consider these investment strategies to help reduce investment risk and potentially earn more consistent returns over time.

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.

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.

Make the most of your 529 plan contribution. Contact me to learn how accelerated gifting can make a difference.

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.