The planning process may cover an individual’s current financial position and the appropriate areas of financial planning for each unique situation.  These areas may include planning for life and health protection, income tax planning, investment planning, retirement planning, and estate planning.  The individual will recieve a written analysis with recommendations to help him or her plan to meet his or her financial goals.  AFPS is priced according to the individual’s needs, goals, and complexity.  See the Client Disclosure Brochure for more information.  Ameriprise cannot guarantee future financial results.