Ameriprise Financial Services LLC

Types of Clients
available to financial advisors from the Ameriprise              AFPS is generally appropriate for individuals who seek
Personal Wealth Group.                                           an ongoing fee-based financial planning relationship
                                                                 and who have financial goals and sufficient assets and
Institutional Services
                                                                 income to begin addressing those goals. AFPS is
Ameriprise Financial Services may enter into written             intended for individuals; couples; and entities with
agreements with corporate, institutional or                      financial planning needs, such as trusts, estates,
membership organizations to provide AFPS to their                nonprofit organizations and businesses.
employees, partners, independent contractors or
members. The fees for institutional services vary by             Methods of Analysis, Investment
agreement. These agreements may include other
services and fees that are lower than the AFPS fees
                                                                 Strategies and Risk of Loss
paid by other AFPS clients. These promotions and                 Methods of Financial Analysis
programs are not available to financial advisors from
                                                                 When developing recommendations for you, your
the Ameriprise Advisor Center.
                                                                 financial advisor compares your stated financial goals
                                                                 with your financial situation, investment risk tolerance,
                                                                 investment horizon and the risk and potential

investment solutions. Your financial advisor may use             Before you actually sell any such assets, consult
asset value, current and projected rates of return, and          with your legal and tax professionals regarding the
other assumptions you provide, as well as historical             tax and other implications of any such sales.
return analysis prepared by Ameriprise Financial
                                                                 The asset allocation analysis does not provide a
Services or an affiliate. Your financial plan may be
                                                                 comprehensive financial analysis of your ability to
prepared through the use of one or more software
                                                                 reach your other financial planning goals, and it does
packages that take a needs-based approach to
                                                                 not identify the impact of your investment strategy on
analyze your goals using one or more methods of
                                                                 your tax and estate planning situations. Asset
analysis, including deterministic and probability
                                                                 allocation does not guarantee a profit or protect
modeling. The analysis and projections generated by
                                                                 against a loss.
the tools or other analysis described in this section of
the Brochure include information regarding the                   Sources of Information
likelihood of various potential investment outcomes.
                                                                 The principal source of information used by your
They are hypothetical in nature, vary depending on
                                                                 financial advisor is the data provided by you, such as
which tool of analysis is used and with each use and
                                                                 your personal data, assets and liabilities, income
over time, do not reflect actual investment results,
                                                                 expectations, assumed overall rates of interest and
and are not guarantees of future results. Investing in
                                                                 inflation, short-term and long-term financial goals, tax
securities involves the risk of loss and you should be
                                                                 information, risk tolerance associated with goals, and
prepared to bear this loss. The probability of success
                                                                 other relevant information. When developing product
also varies based on differing assumptions, on
                                                                 recommendations, your financial advisor may also use
different tools and from one Engagement Period to the
                                                                 training and marketing materials and prospectuses
next based on changing circumstances and market
                                                                 and annual reports for a particular investment product.
information. Results may reflect one point in time only
                                                                 In addition, your financial advisor may also utilize
and are only one factor you should consider as you
                                                                 research produced by Ameriprise Financial Services or
determine how best to plan for your future.
                                                                 its affiliates, such as material prepared by the
Your financial plan also may include an asset                    Ameriprise Investment Research Group ("IRG") or from
allocation analysis designed to assist you in                    third-party research providers that have been approved
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