Kristin K. Nendza, CRPC - Ameriprise Financial Advisor

10/26/2026

One of the most common questions I hear:

"Should I save for college or retirement first?"

While every situation is unique, many families are surprised to learn the answer isn't always "college."

A thoughtful balance between both goals can help prevent future financial stress.

10/23/2026

The goals you had in January may not be the goals you have today.

This is normal.

Career changes. Kids grow. Expenses change. Priorities evolve.

The best financial plans are designed to adapt.

What financial goal has become most important to your family this year?

10/21/2026

If your employer offers a retirement match, make sure you're capturing the full benefit.

Too many people unintentionally leave free money on the table each year.

A quick benefits review could potentially boost your long-term retirement savings without changing your investment strategy.

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

10/19/2026

What if you added just one extra investment contribution before year-end?

One contribution may not seem significant today.

But over time, consistent investing often matters more than finding the "perfect" investment.

Building wealth usually isn't dramatic.

It's disciplined.

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

10/16/2026

A great question to ask before year-end:

"Where did my money go this year?"

Reviewing spending patterns often reveals opportunities to:

• Save more • Reduce waste • Increase investments • Better align money with family goals

Awareness is usually the first step toward progress.

10/14/2026

Changing jobs? Together, we can evaluate your 401(k) options and determine what's best for your long-term plans

10/12/2026

One of the most powerful accounts available today may be your HSA.

Triple tax advantages:

✔️ Tax-deductible contributions ✔️ Tax-deferred growth ✔️ Tax-free qualified withdrawals

If you're eligible and haven't reviewed your contribution level this year, October is a great time to do so.

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.

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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