Dream Book - The Wall Street Journal

1 Dream book . Planning Beyond the Numbers The future belongs to those who believe in the beauty of their dreams . Eleanor Roosevelt 4 Envision the possibilities. Joining the Peace Corps. Starting your own business. Learning piano. Biking across Tuscany. Buying a new home. Finding new ways to relax. Life has many opportunities whether you're starting your first job, starting a family People who write down or entering retirement. Just ask yourself, What could I do next? . their dreams are much Financial planning has traditionally been about numbers. How more likely to achieve them. much money you have. How much you will need. How long it will last. Now there is a new way to plan for tomorrow.

2 And it starts This guide is the first step with your dreams . to help you think about Sure, there's still a lot of math involved. But we're good at that. That's why more people come to Ameriprise for financial planning your dreams and which ones than any other We helped pioneer financial planning more than 30 years ago and our financial planning process is are most important. From defined by the Certified Financial Planner Board of Standards, Inc. there, we can work together Our unique and collaborative Dream > Plan > Track > approach to financial planning starts with your dreams , not just the numbers. An to help make your vision Ameriprise financial advisor can help you turn your dreams into reality2.

3 By first helping you define your dreams , then developing your plan and come to life. tracking progress toward your personal vision of fulfillment. Take the first step toward the life you've imagined starting with this Dream book guide. 1 . Source: SEC Form ADV, Part 1A, Item 5, Dec. 31, 2006. Based on the number of financial planning clients annually disclosed in Form ADV, Part 1A, Item 5, available at as of December 31, 2006. 2 . Ameriprise Financial cannot guarantee future financial results. 4 1-800-AMERIPRISE.. Sit down by yourself or with loved ones and start to imagine your future. Consider what drives you in your life and how that has changed over time.

4 Start by recording where you are today: Name(s). Current age(s). Date What milestones do you see in your future? start a family, send kids to college, buy a new home, retire, others If you could do anything, time and money aside, what would it be? spend time with family, buy a vacation home, start your own business Top 10 life dreams 1. Lose weight What would you like to add in your life? more time, Become debt more money , others free E xercise more Write a book Stay healthy Take a cruise Go to Hawaii What would you like to reduce in your life? debt, Travel to job stress, others Europe Pay off the mortgage Retire 1 Source: EONS , Inc., survey of members over 50, 2007.

5 7. What would you like to do? Use your imagination to create the possibilities for your future. Does anything stand out as most important? Top 20 second careers Career change careers, start a new business, continue the 1 . Nonprofit executive work you love 2 . Patient representative 3 . Celebrant/religious leader 4 . Financial adviser 5 . Public school teacher Hobbies restore an old car, make quilts, garden, write a novel 6 . Appraiser (residential real estate). 7 . College professor 8 . Day care center teacher 9 . IRA specialist 10 . Labor relations manager Volunteer work build homes for the homeless, volunteer for a political party, teach people to read 11.

6 Leasing consultant 12 . Lobbyist 13 . Medical records coding technician 14 . Pension administrator 15 . Religious educator Learning go back to school, learn another language, get your 16 . Department retail sales manager pilot's license 17 . Retail sales staff 18 . Staff nurse (RN). 19 . Tax accountant 20 . Tutor Relaxing and enjoying life travel with family, read more, savor quiet time Source: Research by money magazine and , 2007. 9. Who do you want to spend time with? Maintaining social connections can be challenging throughout our lives. Young parents are often surprised by how much they miss just talking to adults. The newly self-employed may miss the watercooler.

7 And the loss of work friends is the most unforeseen challenge of It's important to take an active role in building and maintaining your support network of friends, family and acquaintances throughout your lifetime. Spouse or partner consider new activities you may participate in together. Family how far away are your parents, children and grandchildren? What activities do you like to do together? Some ways to develop new Do you desire or need to travel to see family members? friendships: 2. et out with G. your pet. ork out at a W. local gym. o breakfast, D Friends how much do you like to entertain and lunch or dinner stay socially active? with an acquaintance.

8 Accept invites. Volunteer. J oin a cause you believe in. New friends how can you meet new people? J oin a hobby group. (consider classes, clubs and organizations). o back to G. school. ang out on H. your porch. 1. ew Retirement Mindscape study, conducted in August 2005 by N. Ameriprise Financial in conjunction with Age Wave and Harris Interactive. 2. Source: , 2007. 10. Where do you Dream of going? Travel is one activity that can satisfy many of your deepest desires. It can provide solitude, companionship, adventure or relaxation. The possibilities are endless. Destination , overseas, historical sites, places from your roots, homes of friends or family Did you know?

9 1. The 2007. average U. S. vacation cost per day for food and lodging, for a family of four is $269. In 1950. that number was $13. How do you want to travel? motor home, car, bicycle, motorcycle, plane, train Furthermore, the most expensive states for food and lodging for a family of four are: Hawaii $650 How much traveling do you want to do? number istrict of D of trips each year, duration Columbia $611. hode Island R. $345. New York $326. ew Jersey N. $324. Who are your travel companions? spouse or partner, friends, children, tour groups 1. S. ource: AAA's Annual Vacation Costs Survey, 2007. 12. Where do you see yourself living? Where you want to live is an important part of your vision for the future.

10 Do you want to be part of a community? Do you want to try a new climate or lifestyle? Do you want to live in multiple locations? Stay in the area loft in the city, current home, smaller/. maintenance-free home Move closer to family spend time with children, grandchildren or parents Move for work be in a hot spot for your field, start a business with a colleague Relocate near activities you love vacation home, overseas, learning community, active outdoor setting 15. How do you intend to stay healthy and active? As your lifestyle and your health change throughout life, think about how you will take care of yourself. Consider it in broad terms, including mental and physical well-being, a healthy soul and a nurturing environment.