Augie Djerdjaj - Ameriprise Financial Advisor

02/14/2025

Happy Valentine’s Day! May your day be filled with happiness and love. How are you planning to create meaningful connections today?

12/16/2024

As loved ones age, it’s normal to find yourself providing more support. This can often come with unique financial, medical and legacy challenges. I can help you take steps now to reduce stressors for you and your loved ones in the future.

How to manage the unique financial, medical and legacy challenges.

11/28/2024

Wishing you and your loved ones a Happy Thanksgiving. What are you thankful for this year?

11/13/2024

Passing on real estate to heirs often comes with financial and emotional challenges. Here are three ways to provide clarity and reduce worries for everyone involved:

1. Audit important property information
2. Understanding tax and other financial implications
3. Have a proactive and candid conversation

Take proactive steps today to help ensure your legacy is carried out as you wish.

11/12/2024

Did you know that achieving the “American Dream” now comes with a projected cost of $4.4 million, according to recent estimates by Investopedia? As financial advisors, we understand the challenges rising costs can present to those working toward their financial goals.

From retirement planning to homeownership, the financial landscape is changing. Retiring comfortably remains a significant goal, as Americans live longer and face rising healthcare expenses. Meanwhile, homeownership and the costs of raising children — from childcare to education — are increasingly challenging for many families.

At Tier 4 Planning, we help clients navigate these financial demands through thoughtful financial planning. Our approach is designed to address common life milestones, with a focus on strategies that align with each client’s unique situation. Whether it’s identifying tax considerations in savings, strategizing for homeownership, or creating a plan that considers inflation, we aim to help clients feel more informed and prepared.

Here is a link to the full article below:

The American Dream now costs $4.4 million—that’s the estimated lifetime household cost of common milestones, including getting married, raising two children, buying a home, having new cars, saving for retirement, going on yearly vacations, and more.

11/12/2024

Discussing your estate plan with loved ones can be difficult – but it is an important conversation to have. Here are tips for how to have a healthy estate planning conversation, and ways I can help facilitate the conversation.

Learn what goes into having a successful and productive estate planning conversation.

11/11/2024

This Veterans Day, we express our gratitude to all those who have served our country, including our friends, clients, family and colleagues. Thank for your service and sacrifice.

11/08/2024

Every day, I'm grateful to be a part of this incredible team, Tier 4 Planning at Ameriprise. These two photos, taken six months apart from when I joined the team to today, remind me just how quickly time flies when surrounded by great people working to make a positive impact together. Looking forward to continued success in the future as we continue to grow and help our clients reach their financial goals. Wishing everyone the best today and happy Friday!

11/08/2024

You've likely heard of capital gains tax, but have you heard of Net Investment Income Tax, or NIIT? Implemented in 2013, it is a relatively new tax impacting many investors, many of whom are unaware. Strategic planning can help can those who may be subject to this tax, lower their overall liability.

Get a deeper insight from this Ameriprise article:

Consider strategies to help lower your exposure to this tax.

09/16/2024

If possible, avoid taking early withdrawals or loans from your 401(k). Taking money out of your account can offset the account’s tax advantaged benefits. bit.ly/3RK0Z8Y