Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2007 Ameriprise Financial, Inc. All rights reserved.

Strong women, powerful financial strategies

Callie Baumann, Financial Advisor636-534-2007callie.n.baumann@ampf.com

Financial planning services and investments through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

© 2005-2008 Ameriprise Financial, Inc. All rights reserved. 12/08

Why I do what I do.

> Approximately 2.8 million individual, business and institutional clients1

> Ameriprise is America’s largest financial planning company2

> More people come to Ameriprise for financial planning than any other company2

Ameriprise Financial

1 Ameriprise Financial 2007 Annual Report2 Based on the number of financial plans annually disclosed in Form ADV, Part 1A, Item 5, available at adviserinfo.sec.gov as of December 31, 2007, and the number of CFP® professionals documented by the Certified Financial Planner Board of Standards, Inc.

Market headlines

> What should you do?

> What are you trying to achieve?

The three i’s of investing

> Introspection — a way of thinking

> Investigation — a way of planning

> Invitation — a way of acting

►Introspection – a way of thinking

Myths and Mindset

> You don’t have enough time, money or know

enough about investing

> There is too much to sort through, you’re afraid of making mistakes

> Someone will take care of you

The rules are different for women

> Women earn less

> Women live longer

> Women have greater financial responsibilities

1 U.S. Department of Labor, Bureau of Labor Statistics, Employment Earnings, January 2007

The good news

> Women represent 59.3% of the labor force, age 16 and older (as of January, 2007)1

►Investigation – a way of planning

Make a PACT — A promise and a plan

> To help you organize and achieve your financial goals, create a PACT:

PrepareAccumulateConsumeTransfer

How to progress with your PACT

All characters are fictional.

Molly Susan June Helen

Prepare Accumulate Consume Transfer

Think about cash reserves

Buildprimary

reserves first

1

Buildsecondary reserves

2

Investfor

long term

3

All characters are fictional.

Molly Susan June Helen

Prepare Accumulate Consume Transfer

Young single

Cash needsinclude:

Unexpectedcar repair

Home down payment

Emergency fund

Pre-retired

Cash needsinclude:

Rainy day fund

Checkbook balance

Kid’s braces

Kid’s tuition

Retired widow

Cash needsinclude:

12 month’s living expenses

Trip money

Retired 80s

Cash needsinclude:

Checkbook balance

Prescriptions

Cash reserves needs change

Think about fixed income

Short Medium Long

Treasury/agency

Investment-grade

corporate

Belowinvestment

grade

Average maturity

Quality[

There are risks associated with fixed income investments, including credit risk, interest rate risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa.

Think about equities

Value Blend Growth

Large

Medium

Small

Style

Short Medium Long

Treasury/agency

Investment-grade

corporate

Belowinvestment

grade

Average maturity

Quality[ Market capitalization[There are heightened risks associated with small cap, mid cap, and international investing. Small and midsized companies may be less liquid and their stocks may have greater price volatility than those of larger, more established companies.Investing in stocks involves risks, including possible loss of principal, and fluctuation in value.Investment decisions should always be made based on an investor’s specific financial needs, objectives, goals, time horizon and risk tolerance. Past performance does not guarantee future results.

Investors should consider the investment objectives, risks, charges and expenses of a mutual fund carefully before investing. For a free prospectus, which contains this and other important information about the funds, call your financial advisor or visit ameriprise.com. Read the prospectus carefully before investing.

Investment behaviors

> Have a long time horizon

> Diversify

> Think about asset allocation

> Dollar-cost averaging

Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit and does not protect against loss.

Dollar-cost averaging does not assure a profit or protect against loss in declining markets. Investors should consider their ability to continue investing through periods of low market prices.

What is the cost of waiting?

This hypothetical example assumes an 8% annual rate of return and is not meant to represent any specific investment, investment strategy or to imply any guaranteed rate of return. It does not take into account any investment fees or charges, or federal or state taxes that may apply.

$0

$50,000

$100,000

$150,000

$200,000

$118,589

< $48,000

$131,614

< $24,000

Investor A Investor B

Assumes an 8% rate of return with earnings reinvested.

Fluctuations

Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing. Lehman Brothers Aggregate Bond Index, an unmanaged index, is made up of a representative list of government, corporate, asset-backed and mortgage-backed securities. The index is frequently used as a general measure of bond market performance. Standard & Poor’s 500 Index (S&P 500 Index), an unmanaged list of common stocks, is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. Morgan Stanley Capital International EAFE Index, an unmanaged index, is compiled from a composite of securities markets of Europe, Australia and the Far East. The index is widely recognized by investors in foreign markets as the measurement index for portfolios of non-North American securities. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Citigroup one-month U.S. Treasury Bill Index, an unmanaged index, represents the performance of one-month Treasury bills. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Dow Jones Wilshire Real Estate Investment Trust Index includes equity owners and operators of commercial and/or residential real estate. Source: Morningstar Direct & Bloomberg (1978 to 1980 Citi T-bill returns, Citi T-bill incept is 12/31/77). You may not invest directly in an index.

Fluctuations

-30-20-10

01020304050607080

1977

1979

1981

1983

1985

1987

1989

1991

1993

1995

1997

1999

2001

2003

2005

2007

Citi Treasury Bill 1 Mon USD DJ Wilshire REIT TR USD LB US Agg Bond TR USD

MSCI EAFE GR USD S&P 500 TR

Missing the best days

The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The chart shows the S&P 500 total return. Dividends are reinvested. You cannot invest directly in an index. Source: Ned Davis Research, Inc. YS285, 2/07/2008.

S&P 500 Index 1977-2007

10.88%

9.40%

8.09%

6.89%

12.90%All 7,571 Trading Days

Less Best 10 Days

Less Best 20 Days

Less Best 30 Days

Less Best 40 Days

Performance of Stocks, Bonds and 50/50 Mix 1988 to 2007

50%

40%

30%

20%

10%

0%

-10%

-20%

-30%

1988 1998 2007

Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing. Lehman Brothers Aggregate Bond Index, an unmanaged index, is made up of a representative list of government, corporate, asset-backed and mortgage-backed securities. The index is frequently used as a general measure of bond market performance. Standard & Poor's 500 Index (S&P 500 Index), an unmanaged list of common stocks, is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. You can not invest directly in an index.

S&P 500 Index 50/50 MixLehman Brothers Aggregate Bond Index

Diversification: Year 1

Initial $10,000 investment

Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return.

?

?

?

?

6%

Joyce Karen

Diversification: Year 1

Karen earned $23,367 more

Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit and does not protect against loss. Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return. This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

%

Joyce

Karen

$42,919

$66,286

12%

8%

4%

Loss

Investment A: $42,500

Investment B:$17,121

Investment C: $6,665

Investment D: ($2,500)

Sample Target Portfolio

Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary.

This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice.

International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

International30%

Stocks30%

Bonds30%

Cash10%

Risk comfort level

Time frame

Tax bracket

Goals

Sample Target Portfolio

Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary.

This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice.

International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

Risk comfort level

Time frame

Tax bracket

Goals

Five years laterInternational

3027%

Stocks3038%

Bonds3027%

Cash108%

Option 1: Reinvest

Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary.

This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice.

International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

Risk comfort level

Time frame

Tax bracket

Goals

Manually or automatically

International3027%

Stocks3038%

Bonds3027%

Cash108%Cash8%

3%3%

International27%

Bonds27%

Stocks38%

Cash 8%

Option 2: Add money

Asset allocation, or this investment strategy, does not assure a profit or protect against loss in declining markets. Individual financial situations will vary.

This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment advice.

International investing involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

International3027%

Stocks3038%

Bonds3027%

Cash108%

$$$

Most investors would choose?

$100 invested per month for six months:

Dollar-cost averaging does not assure a profit or protect against losses in a declining market. However, over longer periods of time it can be an effective means of accumulating shares. Investors should consider their ability to continue investing through periods of low market prices. This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

A $10 $12 $14 $16 $18 $20

B $10 $8 $5 $5 $8 $10

C $10 $8 $5 $1 $1 $4

Option Share price

You would choose?

$100 invested per month for six months:

Dollar-cost averaging does not assure a profit or protect against losses in a declining market. However, over longer periods of time it can be an effective means of accumulating shares. Investors should consider their ability to continue investing through periods of low market prices. This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

A $10 $12 $14 $16 $18 $20

B $10 $8 $5 $5 $8 $10

C $10 $8 $5 $1 $1 $4

Accumulated option value Share price

$850

$1,070

$850

Molly Susan June Helen

Prepare Accumulate Consume Transfer

Matching your strategy to your progress through PACT

Young single

A more aggressive portfolio that reflects her long timehorizon

Pre-retired

A more balanced portfolio that includes multiple asset classes and a variety of products

Retired widow

A portfolio that starts leaning toward fixed income in order to address increasing cash needs

Retired 80s

A portfolio geared toward providing cash needs while also having an eye on efficient transfer

This section is not intended to offer you financial planning or investment advice. Rather, the examples are hypothetical scenarios that provide information that may be helpful to you as you begin to think about investment choices. All characters are fictional.

You can always be more prepared for change

Wedding

Fire/Flood

First house Education RetirementDream house

Travel Transfer

Unexpected events

Extended illness

Death

Planned events

Client suitability and individual objectives must be the priority in all product recommendations.

Client suitability and individual objectives must be the priority in all product recommendations. All characters are fictional.

Molly Susan June Helen

Prepare Accumulate Consume Transfer

Young singlePrimary protection needs:Disability incomePropertyLife

Pre-retiredPrimaryprotection needs:Life Disability incomeProperty

Retired widowPrimary protection needs:Long-term careAsset transferProperty

Retired 80sPrimary protection needs:Asset transferLong-term careProperty

Disability income insurance

Property and casualty insuranceProperty loss

Long-term care insuranceIllness

Disability

Life insuranceDeath

AnnuityLong life

Choosing your strategy

►Invitation — a way of acting

Find the numbers

The benefits of advice

> Better saving habits

> Increased confidence

> More accurate planning

Source: The Financial Planning Association (FPA) and Ameriprise Value of Financial Planning Study, was conducted by Harris Interactive in June/July, 2008 among 3,022 adults. While market volatility was significant during the study period, subsequent financial developments, which may have affected attitudes and behaviors, had not occurred.

> Investors with a financial advisor and a written plan:• Are nearly twice as likely to report feeling confident

about their financial futures

> Of this group:• 88% have a clear financial vision

• More than three quarters feel well prepared for retirement

• Three times as likely to have taken pro-active steps during the volatile market

• Twice as likely to have added money to their accounts in the volatile market

Source: The Financial Planning Association (FPA) and Ameriprise Value of Financial Planning Study, was conducted by Harris Interactive in June/July, 2008 among 3,022 adults. While market volatility was significant during the study period, subsequent financial developments, which may have affected attitudes and behaviors, had not occurred.

Remember the three i’s

> Introspection — a way of thinking

> Investigation — a way of planning

> Invitation — a way of acting

next stepsAmeriprise Financial cannot guarantee future financial results.

Let’s get started.

Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2005-2008 Ameriprise Financial, Inc. All rights reserved.

[Presenter name], [Presenter title][Contact Information]