Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2007 Ameriprise Financial, Inc. All rights reserved.

Charting a path to your Financial Future

[Kamal Wadhwa], [Financial Advisor][650 Poydras Street, Suite 1417, New Orleans, 70130

Ameriprise Financial Services, Inc. offers financial advisory services, investments, insurance and annuity products. RiverSource® products are offered by affiliates of Ameriprise Financial Services, Inc., Member FINRA and SIPC. CA License #0684538.

© 2007 – 2008 Ameriprise Financial, Inc. All rights reserved. 12/08

Why I do what I do.

> Approximately 2.8 million individual, business and institutional clients1

> Ameriprise is America’s largest financial planning company2

> More people come to Ameriprise for financial planning than any other company2

Ameriprise Financial

1 Ameriprise Financial 2007 Annual Report2 Based on the number of financial plans annually disclosed in Form ADV, Part 1A, Item 5, available at adviserinfo.sec.gov as of December 31, 2007, and the number of CFP® professionals documented by the Certified Financial Planner Board of Standards, Inc.

Agenda

Financial position

Protection planning

Investment planning

Tax planning strategies

Retirement planning

Estate Panning strategies

►Financial Position

Calculate your net worth

What you own– What you owe

= Your net worth

Cash flow

Money coming in– Money coming out

= Discretionary income

Jill’s opportunity cost

> What was her opportunity cost for buying the car?

$25,000 distribution – $8,750 taxes and penalty

$16,250

This hypothetical story is for illustrative purposes only. It is possible the fictional character could have sustained an investment loss instead of the gain discussed.

Rule of 72

> Begin with the number 72

> Divide it by your rate of return — how much your investment earns in a year

> The result is the approximate number of years it will take for your money to double

Rate of return is for illustrative purposes only and not intended to reflect a specific investment or investment strategy. The value of your securities will fluctuate.This illustration is only intended to demonstrate mathematical principles and should not be regarded as absolute. Furthermore, periodic declines in markets will result in diminishing the effective application of the Rule 72.

9 years to double

Rate of return 8% 72

Jill’s opportunity cost

> What was her opportunity cost for buying the car?

Rate of return is for illustrative purposes only and not intended to reflect a specific investment or investment strategy. The value of your securities will fluctuate. Number of years is approximate.

This example does not reflect taxes or applicable fees or expenses that an investment may charge.

Rollover $25,000

8% return Nine years to double money, four doubling periods by the time Jill is age 65

$25,000 to $50,000 to $100,000 to $200,000 to $400,000 in 36 years

Cash Reserves

For opportunities

and emergencies

Cash = Flexibility

►Protection planning

Auto and home

> Auto and homeowner’s insurance

> Look at the cost of the premiums vs. the deductible• Look for greatest coverage for smallest premium

> Lower annual premiums improve your cash flow

> Homeowner’s insurance• Buy enough to insure your home for at least 80% of its

replacement value

Auto and home insurance is underwritten by Ameriprise Insurance Company, AMEX Assurance Company or IDS Property Casualty Insurance Company, De Pere, WI. Each company is a wholly owned subsidiary of Ameriprise Financial, Inc.

Most valuable asset

> Your ability to earn an income

Long-term care

> You and/or your eligible family members can apply for group long-term care insurance at any time.

> The cost of coverage is based on your coverage selections and your age at the time your coverage takes effect.

> You may be able to continue coverage when you retire.

The importance of life insurance

> Provide for the needs and security of people you love

> Provide for your own security

> Leave your legacy

Types of life insurance

> Term

> Whole life

> Universal life

> Variable universal life

► Investing planning

Investing short course

> Get invested

> Diversify

> Stay invested

Types of risk or “volatility”

> Specific risk

> Market risk

> Industry risk

> Interest rate risk

Riding out volatility

S&P 500 historic rates from 1977 to 2007

26.3%

16.9%14.7%

-2.2%5 years

+0.8%10 years

+4.2%20 years

34.1%

This graph shows the historic range of average annual returns for the Standard & Poor’s 500 Index as documented by Ameriprise Financial Services, Inc., January 2008. The Standard & Poor’s 500 Market Index (S&P 500) is an unmanaged list of common stocks frequently used as a measure of market performance and may not necessarily be substantially similar to your portfolio. It is not possible to invest in the index directly. The highest return is represented by the top of each bar and the lowest annual return is shown at the bottom. The rolling 5- and 10-year ranges are also shown. Over time, lower performing years will be offset by higher performing years and vice versa. Therefore the range of the historical returns over the entire period is narrower than the range of returns in any single year. Past performance is no guarantee of future results.

-23.4%1 year

Dollar cost averaging

> Put market fluctuations to work for you

> Can be an effective means of accumulating shares

> Does not guarantee profit or protect against losses due to declining prices

Dollar cost averaging

Dollar-cost averaging not guarantee a profit or protect against losses in a declining market. Investors should consider their ability to continue investing during periods of low markets. This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

Average price per share: (10+8+5+7+9+10)/6= $8.17Average cost per share: (600/77.9)= $7.70

Month You invest Share price Shares purchased

January $100 ÷ $10 = 10

February $100 ÷ $8 = 12.5

March $100 ÷ $5 = 20

April $100 ÷ $7 = 14.3

May $100 ÷ $9 = 11.1

June $100 ÷ $10 = 10

Total $600 = 77.9

What helps the market determine performance?

> Market timing

> Security selection

> Asset allocation

►Tax planning strategies

2009 marginal tax rates

Single Married, filing jointly

$372,950+

$208,850

$137,050

$67,900

$16,700

$372,950+

$372,950

$171,550

$82,250

$33,950

$8,350

$372,950

15%25%

28%33%35%

10%

Roth IRA

> Non-deductible contributions potential for:• Earnings grow tax-deferred and distribution of earnings can be tax-

free if requirements are met

• Tax-free withdrawals after a five-year requirement has been met by any Roth IRA, and age 59½, death, disability or first-time home purchase (up to $10,000 lifetime limit)

• Contributions allowed after age 70½

What will it cost?

> Percentage of current income• 20%

• 70%

• 80%

• 120%

Sources of income

> Social Security

> Employer retirement plans

> Personal savings/investments

> Part-time work

Estate planning strategies

Important documents

> Will

> Durable power of attorney

> Health care power of attorney

> Living will

►Summary

next steps

Let’s get started.

Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 1998-2008 Ameriprise Financial, Inc. All rights reserved.

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