Jeff Roberts & Associates
An Ameriprise Private Wealth Advisory Practice
We shape ﬁnancial solutions for a lifetime®
Our premier level of service, ongoing financial
planning and product solutions tailored specifically
to your needs and goals.
As an Ameriprise Private Wealth Advisory Practice, Jeff Roberts & Associates is comprised
of knowledgeable financial professionals who can help simplify your complex wealth
management needs and provide the superior level of experience, wisdom and service you
deserve. They deliver personal, one-to-one attention to help you grow and preserve your
wealth, transfer it to those you care about, or use it to more fully achieve your dreams. As
leaders of the practice, Jeff Roberts & Associates are exceptional financial advisors who have
provided sophisticated financial planning and advice to high-net-worth clients for years —
attaining the highest levels of financial planning credentials, receiving specialized training
and offering access to exclusive product solutions.
D. Jeffrey Roberts
ChFC®, CRPC®, CFS
Senior Financial Advisor
Chartered Financial Consultant
Certifications and Degrees
To earn the Chartered Financial Consultant
designation advisors must complete
experience and ethics requirements. To retain
the designation they must also maintain
ongoing continuing education and ethics
By completing coursework focused on key Awards and recognition
retirement issues such as asset management 2006–present, Chairman’s Advisory Council
and estate planning, a Chartered Retirement
Planning CounselorSM is trained to help clients Personal information
assess retirement preparedness and confidently Avid runner and often cross-trains biking
address their pre- and post-retirement and swimming.
financial needs. Enjoys traveling, hunting, fishing, scuba
diving, snow skiing, water sports, reading and
Education spending time with family and friends.
Samford University, BS in Finance, 1992 Member of St. Luke’s Episcopal Church.
Business experience Professional associations
2006–present Million Dollar Round Table, 2007–present
Senior Financial Advisor Financial Planning Association
Ameriprise Financial Services, Inc
Birmingham, AL Community service
Samford University undergraduate
1992–2006 alumni advisor
Ameriprise Financial Services, Inc Vestavia Hills Chamber of Commerce,
Birmingham, AL member
Associate Vice President Coach, thought leader and mentor for
Ameriprise Financial Services, Inc advisors throughout the country, teaching
Birmingham, AL practice management strategies.
1995–2002 Frequently sought after as guest lecturer and
District Manager financial education specialist.
Ameriprise Financial Services, Inc
Education Personal information
The University of Alabama, MA Married, wife Peggy
in Communications, 1970 One daughter, two grandchildren
Business experience Enjoys golfing
2007–present Professional associations
Associate Financial Advisor Financial Planning Association
Ameriprise Financial Services, Inc. Other
Birmingham, AL The University of Montevallo
2002–2007 Foundation, Board Chairman
Robert A. Altman Senior Financial Advisor Montevallo, AL
ChFC®, CRPC®, Ameriprise Financial Services, Inc. Riverchase United Methodist
CLU® Birmingham, AL Church, Board Member
Associate Financial Advisor 1997–2002 Birmingham, AL
Financial Advisor Kiwanis Club, Member
Ameriprise Financial Services, Inc. Birmingham, AL
Education Personal information
The University of Alabama, BS Married, wife Annie
in International Marketing, 1990 Enjoys sports and music
Business experience Member of Alabama Skunks
2005–present as Pets
Associate Financial Advisor Professional certifications
Ameriprise Financial Services, Inc. and associations
Birmingham, AL Chartered Financial Consultant
Buchanan 1998–2005 Chartered Retirement Planning
ChFC®, CRPC® Financial Advisor CounselorSM
Associate Financial Advisor Ameriprise Financial Services, Inc.
The University of Alabama, BS in Advisor Coach
Finance, 2002 Ameriprise Financial Services, Inc.
Business experience Birmingham, AL
2007-present Personal information
Associate Financial Advisor Married, wife Stacey
Ameriprise Financial Services, Inc. Enjoys fishing, hunting, golf,
Birmingham, AL landscaping/gardening and
Robert “Vaughn” Alabama football.
Sparks III 2002-2007
Financial Advisor Member of Our Lady of Sorrows
CFP®, CRPC® Catholic Church
Associate Financial Advisor
Ameriprise Financial Services, Inc.
“We make a living by what
we get, but we make a life
by what we give.”
A select team of
As a Private Wealth Advisory Practice, we
possess strong leadership capabilities and
years of experience serving the needs of high-
net-worth individuals. So we know when
to leverage the expertise and knowledge of
specialists who focus on everything from Our team
retirement, tax and estate planning strategies, Vaughn Sparks, Associate Financial Advisor
to insurance and asset management. We Renee Lay, Client Contact Specialist
also understand the expectations of affluent Shawn Buchanan, Associate Financial Advisor
Jeff Roberts, Senior Financial Advisor
clients, and are committed to meeting your
Julie Shropshire, Paraplanner
expectations while helping you grow and Robert Altman, Associate Financial Advisor
protect your wealth.
Keeping it personal
Financial planning is not just about the
numbers, it’s also about your dreams. We
work one-to-one with each of our clients to We help shape financial solutions for
understand what is most important to them
a lifetime through a comprehensive
and their families. This information provides
the foundation to develop a financial plan and personalized financial planning
tailored to your short- and long-term goals.
While you have the benefit of working with a approach built on a long-term,
team of financial professionals, your personal
one-to-one relationship with a
Ameriprise Private Wealth Advisor will help
you create and implement your personal knowledgeable advisor.
financial plan. Together, we’ll track your
progress toward your goals as your situation
evolves and market conditions change.
Our goal is to provide you with effective,
personalized financial solutions that help
make it possible for you to truly live the life
Because you deserve the highest level of service.
Whether your goals include growing your assets, preparing for retirement, planning
your estate or transferring family wealth, we’ll provide highly personalized service
— assisting with details and nuances important to you and your family, not just
your investments. We’ll apply our experience and integrate the advice of outside
experts to help simplify the most complex financial situations and free you to enjoy
your life more fully.
The Ameriprise Private Wealth Advisory to determine the mix of product solutions
Program embraces a high standard of and services that best meet your financial
professional excellence to help ensure you needs, including:
enjoy a superior client experience. Your
■ Stocks and bonds
Private Wealth Advisor will use proven
■ Mutual funds
processes to help you set goals and take
■ Annuities and insurance
action toward achieving them. You’ll receive
■ Tax-deferred retirement plans
a written financial plan and follow up
■ Educational savings plans
documentation at least once a year to track
■ Personal trust services
progress toward your goals.
■ Real Estate Investment Trusts (REITS)
To help formulate the most effective financial
plan, your advisor will work closely with you
As your life progresses, your dreams
and goals may change. We’ll track your
progress over time and propose new
recommendations, as needed.
It’s a difference you see every time we get together.
From the personal greeting at the door, to our advisors’ access to the latest
technology, our office is dedicated to you. While you’ll always be the center of our
attention, we also want you to feel comfortable and relaxed when you visit our
offices. Rest assured, we will always treat you and your privacy with the highest
level of respect.
Helping you identify and prioritize
We understand you have a variety of Wealth protection and transfer
sophisticated financial needs and objectives. Managing, protecting and transferring your
We can help you evaluate investment assets for future generations or charitable
alternatives and identify strategies in critical purposes through our estate planning and
areas such as: trust services. At the same time, helping you
manage risk through a complete evaluation of
Retirement planning your insurance needs.
Helping you make sound financial choices
now to maintain your preferred lifestyle into Guidance for small business owners
the future. Providing specialized advice for business
transition planning, cash flow and debt
Income and asset management management, employee benefits and
Recommending effective strategies for taking estate planning.
distributions from retirement savings and
rebalancing your portfolio to appropriately Advanced planning services are optional
manage risk. with fees based on your specific needs and
complexity. Whatever your needs, we will
Tax management remain dedicated to helping you plan for
Identifying appropriate strategies for your your financial goals with the personal
specific tax situation — from managing capital attention you deserve.
gains, to leveraging tax-advantaged investments.
Neither Ameriprise Financial nor its affiliates or representatives may provide tax or legal advice. Consult with your tax
advisor or attorney regarding specific tax issues.
Personal connections that can last a lifetime.
At Ameriprise Financial, we believe financial planning is a long-term, collaborative
relationship. It’s what sets us apart. You and your advisor will work together to
define your dreams, develop a plan to help you get there, then track your progress
along the way, making changes when needed. It’s our unique and collaborative
approach to financial planning called Dream > Plan > Track >®.
Define your DREAM.
Before discussing numbers, we can help you determine where you’d
like to go, what you’d like to do and where you’d like to be in years
Develop your PLAN.
We provide a tailored financial plan based on a clear understanding of
your needs, situation and goals. Then, you and your Private Wealth
Advisor will determine the right combination of products and services
needed to implement your financial plan.
TRACK your progress.
Your needs and goals evolve over time. Through our ongoing
relationship, we’ll revisit your plan and make adjustments to your
strategies and tactics, helping you stay on track.
Financial planning is about more than numbers.
It’s also about dreams.
At Ameriprise Financial, we believe a life well-lived is a result of those things
money can’t buy: a purpose, accomplishment and living one’s dreams.
Our comprehensive financial planning approach looks beyond the numbers to
get a clearer understanding of your financial needs, goals and dreams. One of the
more important aspects of this approach is our collaborative relationship.
Working together, we’ll develop sound financial strategies to help meet your
needs now and in the future. Strategies that include developing your customized
investment plan, planning for your retirement and retirement-income needs,
saving for education expenses, managing your taxes more effectively, managing
the impact of assets and liabilities on your cash flow and protecting what matters
most to you.
Whether you’re preparing for the years ahead or for tomorrow, together we can
help you plan to achieve your dreams.
Ameriprise Financial cannot guarantee future financial results.
“Go confidently in the
direction of your dreams!
Live the life you’ve imagined.”
Henry David Thoreau
We look forward to discussing your personal
dreams and goals and helping you plan to
achieve them. Please contact us with any
questions or to get started.
Jeff Roberts & Associates D. Jeffrey Roberts, ChFC®, CRPC®, CFS
A private wealth advisory practice of Senior Financial Advisor
Ameriprise Financial Services, Inc. email@example.com
An Ameriprise Private Wealth Advisor
33 Inverness Center Parkway, Suite 300
Birmingham, AL 35242 Robert A. Altman, ChFC®, CRPC®, CLU®
Tel: 205.313.9150 Associate Financial Advisor
Fax: 205.313.9159 firstname.lastname@example.org
Toll Free: 800.587.9702, Ext. 207
Shawn T. Buchanan, ChFC®, CRPC®
www.jeffrobertsandassociates.com Associate Financial Advisor
Robert “Vaughn” Sparks, CFP®, CRPC®
Associate Financial Advisor
Transforming a lifetime of savings into a lasting legacy.
With an Ameriprise IRA, you have flexible How does the stretch IRA strategy work?
This strategy works by allowing the beneficiary of the
options that can help you preserve your original IRA to take distributions over his or her own life
wealth for future generations to enjoy. expectancy — thereby easing their immediate tax burden.
Subsequent beneficiaries continue distributions calculated
This strategy, called a stretch IRA, could using the life expectancy of the initial beneficiary as if he or
benefit anyone, but it especially benefits she were still living.
those who don’t plan to use all of their To help ensure there are assets remaining in your IRA in the
IRA assets during their lifetime. Not all event of your death, work with your financial advisor to help
determine an appropriate withdrawal rate, if any, prior to age
IRA custodians nor employer-sponsored 70½. Then, after age 70½, you may want to only withdraw
plans offer this flexibility. the required minimum amount.
Beneficiaries of an Ameriprise IRA will have different
options depending on whether or not they are the spouse
Take steps today to ensure you can use the stretch of the decedent, under the stretch IRA strategy.
Review your IRAs and other retirement accounts. Spouses have two options:
If your plans don’t allow you to provide for future generations, > Move the inherited IRA into their own name and become
consider consolidating your accounts in an Ameriprise IRA. the owner of the account, subject to current IRA rules.
Update your beneficiaries. Remember, the beneficiaries > Maintain the IRA in beneficial status. Depending on when
named in your accounts, not in your will, receive the assets the original IRA owner dies, distributions from an IRA in
upon your death. Consider adding a special beneficiary beneficial status may not be required for many years.
restriction to help ensure a lifetime of income for your Non-spouses have one option:
beneficiaries. > Maintain the IRA in beneficial status and begin taking
Plan a withdrawal strategy. Your financial advisor can help distributions based on the beneficiary’s own single life
you plan your withdrawals in order to leave the amount you expectancy. Distributions are required to start in the year
wish to your heirs. following the year of death. Subsequent beneficiaries
must continue distributions based on the life expectancy
of the initial beneficiary, not their own.
Non-individuals may have one option:
> Maintain the IRA in beneficial status and begin taking
distributions based on the deceased IRA owner’s life