Hearthstone Wealth Management

Today, we recognize the dedication, skill and contributions of workers across our communities.

We hope you have an opportunity to step away from your usual routine, spend time with people you care about and enjoy the final weeks of summer.

Happy Labor Day from Hearthstone Wealth Management.

September often brings a return to routines. School begins, calendars fill up and the final months of the year start to come into view.

It can also be a useful time to revisit the priorities behind your financial decisions.

Consider asking:

• Have my goals changed since the beginning of the year?
• Are there decisions I have been postponing?
• Which financial topics should I discuss with my family?
• What would I like to address before year-end?

Your financial strategies should have room to evolve as your life changes.
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Financial information is often more useful when it is easy to access.

The Ameriprise app allows clients to view account information, track progress toward goals and access financial documents from a mobile device.

Clients who need help getting started are welcome to contact our office.
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A career change can affect more than your daily routine.

Before beginning a new role or leaving an employer, it may be helpful to review:

• Your workplace retirement plan
• Health and insurance benefits
• Stock options or deferred compensation
• Emergency savings
• Tax withholding
• The timing of major financial decisions

Understanding the available choices can help you evaluate how the transition fits into your broader financial plan.
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Happy National Dog Day!

The years between retirement and required minimum distributions (RMDs) can present unique tax planning opportunities. Taking a thoughtful approach during this time may help you better manage taxable income and support your long-term retirement strategy.

Explore six tax strategies that may be worth discussing with your financial and tax professionals in our article:

Early retirement tax planning strategies Consider these 6 tax-saving moves ahead of your RMD birthday.

When was the last time you reviewed the beneficiaries listed on your financial accounts?

Marriage, divorce, births, deaths and other life changes may affect how you want assets distributed. Beneficiary designations can also take precedence over instructions in a will for certain accounts.

A periodic review can help identify information that is outdated or no longer reflects your wishes.
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We're energized by our colleagues at the Ameriprise Financial Circle of Success National Conference in Denver last week! We shared ideas and best practices for enhancing your experience and helping you achieve your financial goals.

Retirement looks different for everyone. Whether your vision includes travel, spending more time with family, pursuing new hobbies, or giving back to your community, having a thoughtful financial strategy can help you prepare for the future you envision.

Read our latest article for ideas on defining your ideal retirement and the financial considerations that can help support your goals:

Planning your ideal retirement lifestyle Refine your retirement dreams by asking yourself these 7 questions.

We are pleased to welcome Rita to Hearthstone Wealth Management!

Rita is becoming an important part of the work that happens behind the scenes to support our team and the people we serve.

We look forward to sharing more about her in the months ahead.
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