Kristin K. Nendza, CRPC - Ameriprise Financial Advisor

10/09/2026

If you haven't looked at your financial plan since January, now is a great time.

Ask yourself:

✅ Am I spending according to my priorities? ✅ Am I making progress toward financial independence? ✅ Do I have enough emergency savings? ✅ Are my investments aligned with my goals?

Sometimes one small adjustment can keep an entire plan on track.

https://bit.ly/3TwdDfn

10/07/2026

When people hear "tax planning," they often think it only applies to the wealthy.

The reality:

Families in their prime earning years often have the most opportunities to improve tax efficiency.

Examples include:

✔️ Retirement contributions ✔️ HSA contributions ✔️ Charitable strategies ✔️ Tax-efficient investment decisions

The earlier you plan, the more options you typically have.

https://bit.ly/4rQnU2q

Kristin Nendza is an Ameriprise Financial Advisor serving the Warrenville, IL area. Get the personal financial advice you need to achieve your goals.

10/05/2026

Quick check-in:

Are you on pace to maximize your retirement contributions this year?

For many families, life gets busy and retirement savings become "whatever is left over."

Instead, try asking:

• Am I contributing enough to my 401(k)?
• Have I increased my contributions this year?
• Could I save more before year-end?

Small adjustments now can make a significant difference over time.

https://bit.ly/4y53sMV

10/01/2026

Believe it or not, there are only about 90 days left in the year.

The financial decisions you make between now and December 31 can have a meaningful impact on:

✅ Taxes
✅ Retirement savings
✅ Investment accounts
✅ Cash flow goals

Many people wait until tax season to think about planning. By then, most opportunities are already gone.

October is the perfect time to take a fresh look at your financial picture before the clock runs out.

09/30/2026

⏳ Many families say they'll start saving "when things settle down."

The challenge?

Life rarely settles down.

There will always be: • Home repairs • Child activities • Vacations • Holidays • Unexpected expenses

Rather than waiting for the perfect time, consider starting with an amount that feels manageable today.

Small beginnings often lead to big results.

09/28/2026

🎯 As a new week begins, take five minutes as a family to discuss one goal you'd like to accomplish in the next year.

Examples: • Build emergency savings • Maximize retirement contributions • Pay down debt • Save for a home upgrade • Start investing for children

Small conversations today often lead to big outcomes tomorrow.

What's one goal your family is working toward?

09/25/2026

Friday: Family Finance Friday

🏡 Quick Financial Check-In

Can you answer these questions?

How much are we saving each month?

Do we have an emergency fund?

Are we investing consistently?

Do we know our biggest financial goal?

If not, today might be a good day to begin the conversation.

www.ameripriseadvisors.com/kristin.nendza/

Kristin Nendza is an Ameriprise Financial Advisor serving the Warrenville, IL area. Get the personal financial advice you need to achieve your goals.

09/25/2026

Friday: Family Finance Friday

🏡 Quick Financial Check-In

Can you answer these questions?

How much are we saving each month?

Do we have an emergency fund?

Are we investing consistently?

Do we know our biggest financial goal?

If not, today might be a good day to begin the conversation.

www.ameripriseadvisors.com/kristin.nendza/

Kristin Nendza is an Ameriprise Financial Advisor serving the Warrenville, IL area. Get the personal financial advice you need to achieve your goals.

09/23/2026

Poll Question:

What financial goal is your family prioritizing right now?

🔘 Building emergency savings
🔘 Investing for the future
🔘 Paying down debt
🔘 Saving for education

09/21/2026

💡 Wealth isn't just about numbers on a statement.

For many families, wealth means:

✅ More choices ✅ Greater flexibility ✅ Reduced financial stress ✅ Opportunities for children ✅ Confidence about the future

The goal isn't simply accumulating money.

It's creating options.