Jochim & Associates

Market volatility can often be uncomfortable. To help provide some perspective on today’s market activity, read today’s After the Close from .

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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.

By setting your own estate plan, you can avoid going through probate – a court process that would release your records publicly. https://bit.ly/3wxrbaD

What does your ideal retirement look like? We can partner with you to help you achieve your retirement savings goals and bring your dream retirement to life.

Ways to boost your retirement savings Rev up your retirement savings with these tips.

Annuities come in many different forms and can be challenging to understand. My team 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.

Without an estate plan, your loved ones may be left to navigate complex legal and financial challenges. Thoughtful planning can simplify a difficult process for your family in the future. https://bit.ly/3wxrbaD

How many years are you from retirement? Review these important milestones to make sure you’re on track.

Retirement countdown milestones Our pre-retirement checklist may help you improve your savings.

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.

End-of-life care is a difficult but important conversation to have between you and your loved ones. An estate plan allows you to specify your final wishes and establish special arrangements for your remains. https://bit.ly/3wxrbaD

“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.

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.

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.

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.

The markets rallied today and experienced solid gains. provides their thoughts on today’s market upturn in After the Close.

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August 8 is , commemorating the establishment of the U.S. monetary system. Fun fact: a normal piece of paper can withstand about 400 folds before it breaks while a dollar bill can be folded at least 8,000 times.

Trading activity was volatile today. Take a look at a summary of relevant events from .

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What if hedging against market downturns meant opening the door to another category of investing? Interested? Let’s talk about a solution that can help with your overall investment strategy.

Investment markets don’t move in a straight line but through periods of gain and loss. Check out the latest insights from on today's market swings.

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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.

Stock markets can be unpredictable in the short term. See what has to say about today’s activity.

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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.

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.

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

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

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.

Happy National Intern Day! Meet our summer 2024 intern Will Walker! We are lucky to have him!

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.

Whether you’re celebrating with your parents, honoring their memory or are a parent yourself, we wish you a Happy Parents’ Day!