Ralph Martin Ameriprise Financial Advisor

12/30/2024

As open enrollment season for Medicare continues, here’s an important reminder why you shouldn’t take a set-it-and-forget-it approach to your coverage. If you want help aligning your benefits with your lifestyle, health and financial situation, let’s connect.

Why should you revisit your Medicare benefits during open enrollment?

12/27/2024

Are you wondering when to start collecting your Social Security retirement benefits? The longer you wait, the more benefits you’ll receive, but what’s right for you depends on your unique situation. Let’s connect to discuss.

12/25/2024

Merry Christmas to you and yours!

12/23/2024

Tip: If you are relatively healthy, purchasing long-term care insurance between the ages of 50 and 65 is generally more cost-effective. Let's connect to discuss if purchasing long-term care insurance now is the right choice for you.

Find out how long-term care insurance works and if it’s the right solution for you.

12/20/2024

When it comes to estate planning, one size doesn’t fit all. Regardless of what unique considerations your family may have, I will work with you and your estate planning team to create a plan that fits your situation.

Understand your options and potential solutions.

12/18/2024

Have you contributed the maximum allowable amount to your IRA for 2024? If not, let’s connect. We can go over your savings rate and discuss what’s possible before the April 15, 2025, deadline.

Making the maximum contributions today can make a huge difference over time. We crunch the numbers.

12/16/2024

A growing number of Americans are subject to the net investment income tax (NIIT). Let’s connect if you’d like to discuss how you can potentially minimize its impact on your bottom line.

Consider strategies to help lower your exposure to this tax.

12/13/2024

Discussing your estate plan with loved ones can be difficult – but it is an important conversation to have. Here are tips for how to have a healthy estate planning conversation, and ways I can help facilitate the conversation.

Here’s how to create a positive and productive discussion with family and heirs.

12/13/2024

Stocks experienced significant positive momentum in 2024. Ameriprise Financial Chief Market Strategist Anthony Saglimbene shares his insights on whether that trend may continue in 2025.

12/11/2024

One key benefit of having estate planning conversations is creating transparency and trust with your loved ones. Have you checked all the important estate and legacy planning boxes? Let’s connect to help ensure you have a plan in place.

12/09/2024

Passing on real estate to heirs often comes with financial and emotional challenges. Here are three ways to provide clarity and reduce worries for everyone involved:

1. Audit important property information
2. Understanding tax and other financial implications
3. Have a proactive and candid conversation

Take proactive steps today to help ensure your legacy is carried out as you wish.

12/07/2024

On December 7, we remember those who lost their lives at Pearl Harbor.