Hidden slide - for internal use only Presenter Instructions and Resources Before presenting the seminar, you will need to personalize some of the slides. Please complete only the requested information on those slides. Do not add any other information as that may trigger additional disclosures. Please be sure to include registration and trademarks as required. Seminar title: The Financially Confident Women Total number of slides: 16 Hidden slides: 2 Optional slides: 0 This seminar is approved for presentation by registered representatives of Ameriprise Financial and RiverSource wholesalers only. Seminar is only approved when used in its entirety. Do not combine, add or omit any content. Changes to content require review by ACMR. Advisor is responsible for associated review fees. Additional client materials for use with this seminar: –RiverSource Women’s Sales Brochure ( C) –Planning Activity ( D) –Invitation (291675) –Ameriprise Financial video loop ( D), expires 3/2017 Additional advisor materials for use with this seminar: - The Winning Combination - white paper ( C) AdTrax number: TBD FINRA filing number: N/A Expires: March

. © 2016 RiverSource Life Insurance Company. All rights reserved. The financially confident woman

Welcome “One of the most courageous things you can do is identify yourself, know who you are, what you believe in and where you want to go.” — Sheila Murray Bethel, PhD 3

Agenda Positioned for success Key retirement concerns Envisioning your retirement Ameriprise Financial Confident Retirement ® approach Creating confidence with a plan 4

Positioned for Success 45% of millionaires are women, 60% earning their own wealth % of working women are employed in management or professional occupations 2 Represent 50% of all individuals with at least $600,000 investable assets 3 Influence more than 85% of all family purchasing decisions 4 5 Sources: 1 Federal Reserve Board, U.S. Department of Labor, U.S. Bureau of Labor Statistics, ‘Women and Retirement’, Insured Retirement Institute, January The Trendsight Group, 2013

Key Retirement Concerns Source: Ameriprise Women and Financial Power SM study, March Source: rri retirement research institute, ‘Retirement Revealed Study’ Of women say they want to be able to give more financially to children or grandchildren of boomer women rate a sense of financial security as very important 49 % 54 % 78 % a women's savings at ages 65 to 69 is 78% less than a man's of extended care recipients are women 66 % 80 % 79 %

Envision the retirement of your dreams It starts with a plan: 1.Covering essential expenses 2.Ensuring lifestyle needs are met 3.Preparing for the unexpected 4.Leaving a legacy 7

Ameriprise Financial Confident Retirement ® approach 8

Covering essentials Set a foundation to help meet your needs Your assets may be exposed to volatile markets longer You will need to cover essential expenses (home, food, clothing, etc.) longer 9 Ameriprise Financial Confident Retirement ® approach

Ensuring lifestyle Build flexibility for the retirement you desire Save as much as you can Consider benefits of tax diversification 10 Ameriprise Financial Confident Retirement ® approach

Preparing for the unexpected Plan for the certainty of uncertainty Cost of extended care or disability Impact from loss of spouse’s income 11 Ameriprise Financial Confident Retirement ® approach

Leaving a legacy Create a legacy to make a difference Provide for surviving family Fund education for future generations Donate to a favorite charity 12 Ameriprise Financial Confident Retirement ® approach

© 2016 RiverSource Life Insurance Company. All rights reserved. Planning activity 13

Using the Ameriprise Financial Confident Retirement ® approach: 91 % 81 % 94 % Create confidence with a plan 14 Based on Ameriprise Financial client survey from the last two quarters of 2012 of survey respondents say “advice met my needs.” say they’d recommend to family and friends. say they are more confident in their retirement as a result of the conversation.

In summary Make the most of what you’ve achieved so you can look confidently toward your retirement. It starts with a plan and requires taking one step at a time. Get started today. 15

Important considerations Before you purchase a life insurance policy or annuity contract, be sure ask your financial advisor to explain the features, benefits, risks and fees, and whether the product is appropriate for you based upon your financial situation and objectives. Annuities are long-term insurance products. Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit, and negate any guarantees against lapse. Surrender charges may apply to the policy and loans may be subject to interest charges. Although loans are generally not taxable, there may be tax consequences if the policy lapses, or is surrendered or exchanged with an outstanding loan. Taxable income could exceed the amount of proceeds actually available. Surrenders are generally taxable to the extent they exceed the remaining investment in the policy. If the policy is a modified endowment contract (MEC), pre-death distributions, including loans from the policy, are taxed on an income-first basis, and there may be a 10% federal income tax penalty for distributions of earnings prior to age 59-1/2. Surrenders that do not qualify for a waiver may be subject to a surrender charge. Surrenders are subject to income taxes and surrenders before age 59½ may incur an IRS 10% early withdrawal penalty. The initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations. Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial Services, Inc. The Confident Retirement approach is not a guarantee of future financial results. Neither RiverSource Life Insurance Company, nor RiverSource Life insurance Co. of New York, nor their affiliates or representatives, offer tax or legal advice. Consult with your tax adviser or attorney regarding your specific situation. © 2016 RiverSource Life Insurance Company. All rights reserved B (03/16) RiverSource Life Insurance Company 968 Ameriprise Financial Center Minneapolis, MN riversource.com/insurance RiverSource Life Insurance Co. of New York 20 Madison Avenue Extension P.O. Box 5144 Albany, NY 12205