Kyle Putnam - Ameriprise Financial Advisor

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Managing finances independently doesn’t mean every decision is made alone.Ameriprise Financial research highlights how m...
05/28/2026

Managing finances independently doesn’t mean every decision is made alone.

Ameriprise Financial research highlights how many financially solo adults seek guidance when navigating major or unfamiliar decisions — especially as they look to the future.

For many financially solo adults, independence isn’t a temporary phase.New research from Ameriprise Financial shows long...
05/27/2026

For many financially solo adults, independence isn’t a temporary phase.

New research from Ameriprise Financial shows long‑term financial autonomy shapes how people set priorities, plan ahead, and define their goals — regardless of future relationship changes.

They did it!But if you have a 529 plan, this is often where the questions start.Is your graduate continuing their educat...
05/26/2026

They did it!

But if you have a 529 plan, this is often where the questions start.

Is your graduate continuing their education? Entering the workforce? Are there other family members who could use those funds? Do you want to roll a portion into a Roth IRA down the road?

Is there anything else worth considering?

After the celebrations, feel free to reach out and talk through the transition from “they did it” to “what’s next?”

Connect today: https://bit.ly/4f9SC2i

Financial independence is sometimes misunderstood as isolating or risky.Ameriprise Financial research shows many financi...
05/26/2026

Financial independence is sometimes misunderstood as isolating or risky.

Ameriprise Financial research shows many financially solo adults feel confident in their financial situation and take pride in managing money on their own.

A closer look at the data offers a more accurate picture of today’s solo adults.

For a second, they got me. Oh, they were good.I got a voicemail telling me a firm had been retained to schedule and deli...
05/21/2026

For a second, they got me. Oh, they were good.

I got a voicemail telling me a firm had been retained to schedule and deliver legal documents to my home or place of employment. They would only make two attempts to deliver the documents, after which the pending matter would proceed without my consent.

Jolt. Fear.

One of the first signs of a scam is the jolt - that feeling that you have done something wrong or that something bad is about to happen. Even with a law degree, I still had the jolt of fear that I was getting served in a lawsuit.

The jolt should be the signal to check the source.

At Ameriprise, we talk with clients about recognizing scams—so they can pause, verify, and protect themselves before reacting.

A quick internet search indicated the number was associated with a scam. No one was suing me. Even then, my brain was temporarily worried that I was in trouble. I even felt the need to double check.

That is how scammers work. They create urgency and fear to override logic and push you into reacting before you verify.

Even very savvy people can be caught up in a scam. Take time to educate yourself before the next one arrives in your inbox. To learn how to identify the red flags of the fake process server scam, here is an article from the Better Business Bureau: https://bit.ly/4eWsTu8

Last night, I attended the first annual Talk with a Farmer dinner in Enumclaw.As someone with a background in horticultu...
05/20/2026

Last night, I attended the first annual Talk with a Farmer dinner in Enumclaw.

As someone with a background in horticulture, I already feel connected to the challenges around farming—but having the chance to sit down and talk one-on-one with farmers was a powerful reminder of what they are up against.

Every season brings uncertainty: weather, market forces, regulation. Farming is a constant balance of adaptation, risk management, land stewardship, and intergenerational planning—work that has to withstand both literal and economic storms.

I also really enjoyed hearing from the passionate students in the local FFA program. Farming isn’t just critical to our economy and maintaining green space—it also gives young people an outlet and a real source of pride. In a world increasingly dominated by screens, engaging with living systems is more important than ever.

If you have the chance to talk with a local farmer or attend an educational event like this, I encourage you to do so. These are hardworking people doing essential work—and it matters that their communities show up and support them.

Status quo bias is the tendency to stick with something simply because it is familiar, even when it no longer fits, or b...
05/18/2026

Status quo bias is the tendency to stick with something simply because it is familiar, even when it no longer fits, or because we do not have the energy to find a more suitable alternative.

If an investment has been around for years, if it once worked well, if nothing has gone visibly wrong, staying put can feel like a safe choice.

But even buy‑and‑hold investments require regular review.

- Are you building up capital gains that could create a tax trap?
- Is this investment still a high‑quality product?
- If you did not already own it, would you buy it today?
- Has your portfolio allocation drifted heavily in one direction, either increasing risk or limiting growth?
- Is there something else that could serve you better now?

To me, the last one is the big one. Performance is always relative. If there is an alternative that could reasonably improve outcomes or reduce unnecessary risk, it is worth understanding.

Reviewing a plan or portfolio should not be activity for its own sake. It is about checking in at prudent intervals and making sure each asset still belongs there. An investment may be familiar, but familiarity alone does not mean it is still serving its purpose.

If you have not revisited your strategy in a while, that does not mean something is wrong. It may simply mean the hidden cost of doing nothing is starting to add up.

If you would like help assessing whether the status quo is working for you, reach out today: https://bit.ly/3R7G7dP

For many people, their home is their largest asset.The Northwest Multiple Listing Service recently reported a 5.3% decre...
05/14/2026

For many people, their home is their largest asset.

The Northwest Multiple Listing Service recently reported a 5.3% decrease in median home prices in King County from April 2025 to April 2026. For those of us who have lived in the area for a long time, that can feel like quite a shift.

Even if you aren’t in the market, a change like this can still impact your financial plan. Here are a few things to consider during this market cycle:

- If your home is your largest asset, your net worth may plateau instead of continuing to climb—even in the Seattle area, we see short-term market cycles.
- You may want to be more thoughtful about tapping into home equity. The assumption that your home value will always “cover it” isn’t as reliable in a shifting market.
- When home values rise quickly, it’s easy to feel wealthier. When they level off, it’s a good reminder to ground your plan in long-term expectations—not short-term market highs.
- In King County, property taxes are based on assessed values, so changes in the market can influence what you pay over time. This is hard to predict but worth keeping an eye on.

If you’d like to dig deeper into how your home value fits into your overall financial plan, feel free to reach out: https://bit.ly/49M0DXy

For more detail on current inventory and pricing trends, I’ve linked a recent article from KING 5 here: https://bit.ly/4nxWQmz

Sometimes you know there’s a gap, but you’re not quite sure what to do next.You might want to talk it through… but not g...
05/12/2026

Sometimes you know there’s a gap, but you’re not quite sure what to do next.

You might want to talk it through… but not go too far down a path until you know it’s the right one.

This is your invitation to reach out with your questions.

While I can’t provide specific financial advice here, I can help you understand where you are, think through where you want to go, and point you in that direction.

Feel free to message me or connect here: https://bit.ly/4doh5OY

Happy to just talk it through with you.

One of my favorite strength coaches regularly shares the saying, “small hinges move big doors.” Eat real food. Lift weig...
05/04/2026

One of my favorite strength coaches regularly shares the saying, “small hinges move big doors.” Eat real food. Lift weights. Drink water. Go for walks. Get enough sleep.

Financial planning works the same way.

Keep enough cash on hand to avoid forced decisions. Automate your savings. Separate your short‑term and long‑term money. Fund your tax‑deferred retirement accounts. Review and rebalance on a schedule.

If you keep those hinges oiled, the door will swing open...and you might even have more time to go for walks and get enough sleep.

If you would like help keeping it simple, reach out today: https://bit.ly/4tPMQax

If you live in the greater Seattle area, you are likely experiencing a higher inflation rate than the national average, ...
04/27/2026

If you live in the greater Seattle area, you are likely experiencing a higher inflation rate than the national average, even before accounting for the full effect of the conflict in Iran.

Recent data from the U.S. Bureau of Labor Statistics shows that prices in the Seattle area rose 3.9 percent over the 12 months ending in February. By comparison, the national all items inflation rate over the same period was 2.4 percent.

At the time of writing, the yield on one commonly used money market mutual fund is 3.58 percent. For households experiencing inflation closer to the national average, excess cash held in a money market fund has generally been keeping pace with rising prices. For those living in the greater Seattle area, that may not be the case.

So, what does this mean?

First, if excess cash is sitting in a checking or savings account earning a low rate of interest, it is likely losing purchasing power over time. Reviewing available cash equivalent options with a financial professional may help improve efficiency while preserving appropriate liquidity.

Second, it may be worth thoughtfully evaluating whether a portion of excess cash should be repositioned based on time horizon and purpose. Cash needed in the near term plays an important role. Cash held well beyond near term needs may warrant a different approach, particularly in higher inflation environments.

Inflation is local. Planning should be too.

Reach out to learn more: https://bit.ly/4mRbMM2

Sources:
U.S. Bureau of Labor Statistics, Seattle area CPI
https://bit.ly/4tIartU
U.S. Bureau of Labor Statistics, National CPI
https://bit.ly/41UZyZp

Address

11201 SE 8th Street #115
Bellevue, WA
98004

Telephone

+14256993505

Website

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