Reach Your Financial Goals
Republic Bank offers an investment services program through Ameriprise Financial Institutions Group, a channel of Ameriprise Financial Services, LLC. Through on-site financial planning, comprehensive investment solutions, and convenient digital capabilities, our partnership can help you reach your financial goals.
Patrick Murray
Financial Advisor & Program Manager
Denis Hedderman
Financial Advisor
Financial Advice to Help Achieve Your Goals
Why work with a financial advisor? You work hard for what you earn and owe it to yourself to make sure your savings and investments are preparing you for the future that you want.
Whether that is planning for a college fund, long term investments, retirement planning, estate planning, or whatever life throws your way, one of our financial advisors can help you achieve your short and long-term goals.
They can also help you prepare for any unexpected events that arise. Through an ongoing, collaborative relationship with a financial advisor, plus secure anytime access to your accounts online, you can track your progress toward your goals and receive timely advice when you need it. Your goals are within reach. Be more confident in your investing by working with a trusted professional from Republic Financial Services.
A Comprehensive Approach
Together, you and your financial advisor will evaluate your current financial situation. From there, your financial advisor will work with you to address key needs, consider tax strategies, and find ways to help fill any gaps that could keep you from achieving the lifestyle you want. Through personalized financial advice, your financial advisor will help set you up for success by prioritizing what’s important today while planning for a confident financial future.
Gain a more confident picture of your financial life with our Confident Retirement® approach.
Your advisor will look at all aspects of your financial life and identify steps to help you work toward your goals.
Solutions and Advice Aligned to Your Goals
Through Ameriprise Financial, you’ll have access to wide-ranging advice – from customized investment recommendations and asset allocation strategies to comprehensive financial planning that covers key aspects of your financial life – to help you meet your goals. And, your financial advisor can provide access to an extensive suite of solutions to meet your specific needs, including investments, insurance and annuities, and much more.
Products and Services Available Through Ameriprise
Financial planning can be very important to your financial success. A plan can help carry you to your goal, and there may be many aspects to consider including lifestyle preferences, budgeting for vacations or other big-ticket items, everyday budgeting, along with endless other possibilities. One of our financial advisors can help put you on the path to success with a comfortable plan for your future. We can help you create a budget that works and can help you keep your financial goals on track.
Retirement is supposed to be an easy and relaxing time of your life, but retirement planning can often be very difficult as there are so many different options and solutions out there. With help from our financial advisors, you can have more confidence in your retirement planning and achieving your goals. We offer traditional IRA’s, Roth IRA’s, 401k planning, and more. With our guidance, retirement planning can be much less stressful.
Today, it is more important than ever to wisely invest the money you make so it grows and works hard for you. We offer multiple investment solutions including stocks, mutual funds, bonds, and more. When investing, our financial advisors will assess your risk tolerance and find a comfortable fit that can help you achieve your goals. For example, the more risk averse you are, the lower return you may realize. However, if the investment loses value, it may decrease less than a more risk tolerant portfolio. Let our financial advisors collaborate with you to develop a plan in which you can be more confident.
Planning for college can be stressful. When working with our financial advisors, they can offer personalized plans to put money aside for college in the future. Potential solutions include 529 plans, which are tax-free — at the federal level and often times at the state level too — if used towards qualified education expenses1. 529 plans can be very advantageous as they offer tax-free growth when used on educational expenses from tuition to room and board to schoolbooks. Not only can 529 plans be used for college, but up to $10,000 can be used for qualifying K-12 school tuition each year.
Note: Clients contributing to a 529 Plan offered by a state in which they are not a resident should consider, before investing, whether their designated beneficiary(s) home state offers any state tax or other state benefits such as financial aid, scholarship funds, or protection from creditors that are only available for investments in such a state’s qualified tuition program.
1Earnings on nonqualified withdrawals are subject to federal income tax and may be subject to a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.
Our financial advisors offer insurance plans and annuity plans as well. These can be variable, fixed, or indexed. Having a conversation with one of our advisors is a great way to determine if these plans are right for you. If you have dependents that rely on your income, insurance and annuities can provide additional protection for you and your family.
When leaving wealth behind, it is important to properly prepare for those receiving what you have left to them. Often times, steep taxes can be imposed after inheritances get handed down, so it is important to find ways to lighten the tax burden. We may also be able to help invest inheritance accounts. Our goal here is to help reinvest the money you have given away, finding ways to help reduce potential gift or inheritance taxes.
Retirement can be a stressful financial time, living on fixed income, if you are not prepared. Retirement should be a time to live stress-free and comfortably. Guidance from a financial advisor can help strategize spending habits to keep you on budget and on track. Work with us and you will have much more confidence in your spending and planning than you did before.
Tax planning strategies can be very useful when receiving an inheritance, selling your home, or finding ways to mitigate the amount paid on taxes themselves. With the help of a financial advisor, we can design a plan and a smart investment strategy that can help control the impact of taxes on your investment portfolio. Tax planning can be very advantageous, so get in touch with a financial advisor and start on the path to success today.
Republic Financial Services is a financial advisory practice of Ameriprise Financial Services, LLC.
Ameriprise Financial has a partnership with Republic Bank to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise, but has a revenue sharing relationship with Ameriprise, which creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
About Ameriprise Financial
As a longstanding leader in financial planning and advice, Ameriprise Financial helps clients navigate the present without losing site of the future.
Ameriprise Financial has remained true to its vision of putting its clients’ interests first for more than 125 years. Ameriprise Financial and its subsidiaries serve more than 2 million individual, business, and institutional clients, and has more than $1 trillion in assets under management and administration.1
1Ameriprise Financial Q2 2024 Earnings Release.
Investment products are not insured by the FDIC, NCUA, or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Financial Services, LLC is not and FDIC-insured bank; FDIC insurance only covers the insolvency of FDIC-insured banks.
The Confident Retirement® approach will include a review of your existing financial retirement situation and potential opportunities, gaps, or general strategies. You will not receive a comprehensive review or financial planning services for which fees are charged. It is not a guarantee of future financial results.
Ameriprise Financial Planning services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change.
Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Before you purchase life insurance or an annuity, be sure to ask your financial professional about the features, benefits, risks and fees, and whether it is appropriate for you based on your financial situation and objectives. Variable annuities and variable life insurance are complex investment vehicles that are subject to market risk, including the potential loss of principal invested. Annuities are long-term insurance products.
The financial institution and Ameriprise Financial, Inc. are not affiliated.
RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial Services, LLC.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
