Stages of Retirement

While everyone's vision of retirement may be different, we all share the same basic goals to help us be financially prepared. As you are planning your retirement, consider the following goals you may have at each stage.

Stage 1: Grow your retirement portfolio

When considering the stages of your investing life, the "grow" stage is perhaps the most important stage of all. After all, it's the basis for your future. Investing for your retirement involves some of the most important decisions you will ever make.

How fast is your money growing? How can you grow your portfolio and protect your investments from the ups and downs of the market? Are you paying money in income tax that you could otherwise invest in your future?

RiverSource® annuities can help you address these challenges and build your retirement portfolio in a number of powerful ways, including:

  • Simplified investing through professional management, diversification, and competitive performance
  • Guaranteed returns through fixed-rate solutions
  • Tax-deferred growth — allowing more money to work for you as you accumulate
  • An optional benefit for an additional fee that offers guaranteed income growth while accumulating and the ability to lock in gains when market performance is strong.

It's never too early — or too late — to take action toward planning your confident retirement. Talk with your Ameriprise financial advisor today to learn more about how RiverSource annuities can help you reach your retirement goals. Or, call our Ameriprise Advisor Center at (800) 257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.

The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource and are subject to our continued claims-paying ability. These guarantees do not apply to the performance of the investments in your annuity, which will vary with market conditions.

View important information about annuities, and how to request a variable annuity prospectus.

1 2015 EBRI Retirement Confidence Survey, Employee Benefit Research Institute.

Stage 2: Live the retirement you have envisioned

During your working years, you depended on a paycheck to cover your essential life expenses. With retirement comes greater freedom and new priorities — along with the need to create your own reliable and secure source of income. Fewer people will be able to depend on Social Security or an employer pension to cover all of their needs.

How can you create a guaranteed income for yourself to supplement other sources of income? Will you have the income you'll need to cover essential expenses such as food, housing and healthcare? Will your money last as long as you need it?

RiverSource® annuities can help you recreate a "paycheck" in retirement, allowing you to live more confidently. While an annuity does not provide a paycheck in the traditional sense, converting an annuity to a guaranteed income stream offers you:

  • Options for guaranteed lifetime income that can be tailored to your needs
  • Optional benefits that can help protect your investments from losses as you continue to participate in the market
  • Opportunities to help increase your income to keep up with cost of living increases

Your retirement could last 20, 30 or more years. How can you create a solid financial strategy that will help meet your needs over that time? RiverSource can help you take charge and replace uncertainty with the security of guarantees. Talk with your Ameriprise financial advisor today or call our Ameriprise Advisor Center at (800) 257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.

The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource and are subject to our continued claims-paying ability. These guarantees do not apply to the performance of the investments in your annuity, which will vary with market conditions.

View important information about annuities, and how to request a variable annuity prospectus.

1 2015 EBRI Retirement Confidence Survey, Employee Benefit Research Institute.

Stage 3: Share your legacy with those you'll leave behind

Smart retirement planning doesn't end with retirement. You may also consider your loved ones. But when there's no way to predict what the market will do, how can you make sure your legacy is protected? Some investments could lose value before being passed on to your heirs.

Will your heirs receive less because of losses in your investments? How can you grow your money so you can pass on as much as possible? Can you reduce the expense burdens your heirs may face after you're gone?

RiverSource® annuities can help you take control of your legacy, with a range of solutions that help you address the challenges of market risk and help increase what you leave behind. Our solutions offer:

  • Protection features that enable beneficiaries to get back at least what you invested (less withdrawals), no matter what happens in the market
  • Options to increase what you leave behind to help beneficiaries offset expenses and taxes
  • The ability for you to control how beneficiaries access what is left behind

RiverSource annuities offer you the ability to take control of your legacy. Talk with your Ameriprise financial advisor today to learn more about how RiverSource annuities can help you reach your retirement goals. Or, call our Ameriprise Advisor Center at (800) 257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.

The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource and are subject to our continued claims-paying ability. These guarantees do not apply to the performance of the investments in your annuity, which will vary with market conditions.

View important information about annuities, and how to request a variable annuity prospectus.

1 The Positioning of Assets in Retirement, a survey conducted by LIMRA Research, 2010.