# Ameriprise Financial, Inc. *Also known as Ameriprise* - Website: https://www.ameriprise.com - Location: Minneapolis, MN, United States - Agent profile: https://directory.haycion.ai/agents/ameriprise-com > Global financial services firm delivering planning and advisory services to millions of clients. Ameriprise Financial, Inc. is a diversified financial services company that primarily engages in business through its subsidiaries listed below, and provides broker-dealer, advisory, wealth management, asset management, insurance, lending and related products and services. With more than 10,000 financial advisors and over 3.5 million clients, Ameriprise has guided clients for more than 130 years. **Mission:** To help people feel more confident about their financial future. ## Products & Services ### [Investment Products](https://www.ameriprise.com/products/investments) *Product* Comprehensive investment options to support diverse client portfolios. - **Managed Accounts** — Receive Personalized Management - **Stocks** — Access Equity Investments - **Bonds** — Invest in Fixed Income - **Sustainable Investing** — Build a Sustainable Portfolio - **Mutual Funds** — Participate in Managed Funds - **Structured Products** — Invest in Structured Products ### [Retirement Accounts](https://www.ameriprise.com/products/investments/iras-retirement-plans) *Product* Comprehensive retirement accounts to help individuals secure their financial future. - **401(k)** — Offers Tax Advantages - **IRA** — Defers Taxes Until Withdrawals - **Roth IRA** — Provides Tax-Free Withdrawals - **403(b)** — Supports Non-Profit Employees - **Rollover Options** — Maintains Tax-Deferred Status - **SEP IRA** — Provides High Contribution Limits - **Required Minimum Distributions (RMD)** — Ensures Compliance with IRS Rules - **SIMPLE IRA** — Easy To Set Up and Maintain ### [529 Plans](https://www.ameriprise.com/financial-goals-priorities/education-planning/529-plan-faq?cid=FGPtopicfront-education=promo) *Product* Tax-advantaged savings for education with flexible contributions and withdrawals. - **529 Plan Education Savings** — Provide Tax-Advantaged Growth - **Flexible Contribution Limits** — Invest Up to $400,000 - **Roth IRA Transfers** — Utilize Tax-Free Retirement Savings - **Gifting and Tax Considerations** — Explore Gifting Benefits - **Beneficiary Control** — Ease of Beneficiary Changes - **FAQs** — Clarify 529 Plan Details ### Life Insurance *Product* Providing financial security for beneficiaries in the event of the policyholder's death. - **Beneficiary Designation** — Secure Your Legacy - **Flexible Coverage Options** — Customize Your Policy - **Accelerated Death Benefits Rider** — Manage End-of-Life Expenses - **Policy Loans** — Borrow Against Your Policy ### Disability Income Insurance *Product* Provides financial support during periods of disability and illness. - **Income Protection** — Provides Income Replacement - **Tax-Free Benefits** — Receive Tax Exempt Payments - **Comprehensive Coverage Options** — Customize Coverage Plans - **Affordable Premiums** — Offers Manageable Costs ### Trust Services *Product* Secure and manage your legacy through comprehensive trust services. - **Comprehensive Trust Management** — Facilitates Effective Asset Management - **Estate Settlement Support** — Assists with Estate Settlement - **Trustee Services** — Provides Professional Oversight - **Beneficiary Designation Assistance** — Ensures Your Wishes Are Honored - **Educational Resources** — Enhances Client Understanding ### Ameriprise Bank Deposit Products *Product* Secure and convenient deposit accounts with competitive rates from Ameriprise Bank. - **Deposit Accounts** — Offers Flexible Banking Solutions - **FDIC Insurance** — Provides Safe Investments - **Mobile Banking** — Access Accounts Anytime - **Competitive Interest Rates** — Earn More on Your Savings - **No Monthly Maintenance Fees** — Keep More of Your Money ### Home Loans *Product* Offering competitive home loans for purchasing or refinancing properties. - **Rocket Mortgage Origination** — Enables Fast Loan Processing - **Loan Servicing Partners** — Provides Reliable Servicing Support ### [Ameriprise Visa Signature credit cards](https://www.ameriprise.com/products-services/cash-cards-lending/credit-cards/) *Product* Offers valuable rewards and personalized financial support for cardholders. - **24/7 card support** — Receive Assistance Anytime - **Credit card rewards** — Earn Rewards Points - **Travel benefits** — Get Travel Perks - **Integrated financial advice** — Work With Advisors - **Secure online access** — Access Anytime, Anywhere ### Ameriprise Visa Debit Card *Product* Simplified access to funds for everyday spending and secure online banking. - **Visa Debit Card Access** — Access Funds Seamlessly - **Zero Liability Policy** — Eliminate Fraud Risk - **2-Step Verification** — Secure Account Access - **Mobile Banking Access** — Manage Finances Conveniently ### [OmniView](https://www.ameriprise.com/financial-goals-priorities/online-financial-advising-and-digital-tools) *Platform* OmniView offers a comprehensive view of all financial accounts, enhancing client-advisor collaboration. - **Consolidated Account View** — View All Accounts Together - **Security Guarantee** — Protect Your Funds Online - **Goal Tracking** — Monitor Financial Goals - **E-signature** — Sign Documents Electronically - **Secure Document Sharing** — Share Documents Securely - **Online Trading and Market Data** — Execute Trades Online - **Secure Messaging** — Communicate Securely ### [Workplace Financial Wellness Program](https://www.ameriprise.com/about/workplace-financial-wellness) *Service* Empower Employees To Manage Their Finances And Reduce Financial Stress. - **Advisor Access** — Connect With Local Advisors - **In-Workplace Education** — Participate In Workshops - **Digital Tools** — Access Digital Resources Anytime - **Custom Financial Planning** — Build Custom Financial Plans ## Market Segments - **Wealth management and financial planning**: Holistic advisory services that create and implement personalized financial plans, consolidate client accounts, track goals, and enable secure advisor collaboration. - **Retail banking and payments**: Deposit, payment and card services for everyday banking needs, emphasizing FDIC-insured accounts, competitive rates, mobile access and card security. - **Investment management and advisory services**: Portfolio construction and active management offerings including managed accounts, mutual funds, bonds and trading/market data to support investment decision-making. - **Retirement plan services and fiduciary trust**: Retirement account administration, employer-sponsored plan services, rollover guidance and trust/estate management to support retirement readiness and fiduciary needs. - **Insurance and income protection**: Life and disability insurance products that provide income protection, policy flexibility and riders to address mortality and disability risk. ## Ideal Customer Profiles ### Affluent Wealth Management Clients Wealthy households seeking integrated portfolio and risk management. - Industry: Financial Services, Wealth Management - Geography: North America - Pain points: Complex financial goals; tax efficiency; legacy planning; coordination across specialists - Business goals: Grow and protect wealth, optimize taxes, plan for retirement - Positioning: Integrated wealth management and advisory services for high-net-worth households, delivering a cohesive view and tailored strategies for long-term stability. #### Persona: Chief Financial Officer - Needs: Holistic portfolio oversight, tax planning, and estate coordination - Goals: Maximize after-tax returns, protect family wealth, ensure smooth wealth transfer - Challenges: Finding time for detailed planning, coordinating among advisers - Pain points: Siloed advice and fragmented reporting - Solution: Integrated wealth management and consolidated reporting via a unified platform and personalized guidance. #### Persona: Senior Executive - Needs: Simplified planning, retirement readiness, access to trusted advice - Goals: Achieve retirement readiness and preserve wealth - Challenges: Balancing time with complex options - Pain points: Fragmented advice and high fees - Solution: Coordinated planning and advisor access to simplify decisions. #### Persona: Small Business Owner - Needs: Business and personal wealth alignment, risk management - Goals: Stability and succession planning - Challenges: Cash flow and regulatory complexity - Pain points: Fragmented advice, conflicting recommendations - Solution: Integrated wealth and risk planning with advisor support. ### Education Savings Focused Families Families prioritizing education funding through 529 plans. - Industry: Financial Services, Education Savings - Geography: North America - Pain points: Education funding timing, gifting options, tax considerations - Business goals: Maximize education funding efficiency, optimize gifts and transfers - Positioning: Education‑focused savings with flexible gifting and tax‑advantaged options, supported by advisor guidance and digital tools. #### Persona: Parent Planner - Needs: Education funding strategy, tax considerations - Goals: Fund child's education, maximize savings - Challenges: Understanding 529 plan rules, transfer rules - Pain points: Gift tax confusion, contribution limits - Solution: 529 plans education savings, gifting options, and FAQs to simplify contributions. #### Persona: Financial Advisor - Needs: Guidance on 529 options, tax efficiency - Goals: Deliver value to clients, grow advisory relationships - Challenges: Coordinating multiple clients, staying compliant - Pain points: Fragmented data, unclear reporting - Solution: 529 plans and gifting options with digital tools to streamline client conversations. #### Persona: Tax Specialist - Needs: Understanding tax implications of gifts and transfers - Goals: Optimize tax outcomes for education funding - Challenges: Keeping up with changing tax rules - Pain points: Outdated information, complex documentation - Solution: Gifting and tax considerations with clear FAQs and plan specifics. ### Workplace Financial Wellness Programs Employers seeking employee financial well‑being programs. - Industry: Human Resources, Corporate Services - Geography: North America - Pain points: Employee financial stress and productivity loss, retention challenges - Business goals: Improve well-being, attract and retain talent, boost engagement - Positioning: Helps employers boost employee financial literacy and decision-making with tailored planning resources and advisor access as part of the workplace program. #### Persona: HR Director - Needs: Scalable benefits, compliance, employee engagement - Goals: Increase benefits value, improve productivity - Challenges: Budget constraints, compliance - Pain points: Low adoption, data privacy concerns - Solution: Workplace program features and advisor resources to support employees. #### Persona: Benefits Manager - Needs: Enrollment workflows, reporting, partner coordination - Goals: Smooth program rollout, measurable outcomes - Challenges: System integration, data fragmentation - Pain points: Enrollment friction, inaccurate usage data - Solution: Digital tools, onboarding support, and retirement/investment options. #### Persona: Finance Officer - Needs: Cost optimization, ROI tracking - Goals: Improve financial wellness metrics, reduce benefits costs - Challenges: Budget approval, measurement - Pain points: Unclear impact of programs - Solution: Advisory access, digital tools, and reporting. ### Personal Insurance And Protection Seekers Individuals seeking income protection and life coverage. - Industry: Insurance, Financial Services - Geography: North America - Pain points: Income disruption risk, coverage gaps, affordability - Business goals: Secure income, protect dependents, manage premiums - Positioning: Affordable, flexible protection solutions with digital enrollment and advisor support to secure income and protect loved ones. #### Persona: Small Business Owner - Needs: Affordable coverage, tax-efficient premiums - Goals: Protect business and family, continuity - Challenges: Budget constraints, underwriting complexity - Pain points: High premiums, complicated terms - Solution: Disability and life insurance with flexible premiums and digital enrollment. #### Persona: Mid-Career Professional - Needs: Income protection and life coverage to secure dependents - Goals: Maintain lifestyle and protect family - Challenges: Affordability, unclear coverage options - Pain points: Policy jargon, underwriting time - Solution: Disability and life insurance with clear terms and digital access. #### Persona: Health Care Professional - Needs: Reliable protection for dependents and income - Goals: Ensure financial security during illness or disability - Challenges: Rising premiums, complex policy language - Pain points: Confusing terms, long underwriting process - Solution: Flexible protection options with digital tools and quick quotes.