Ameriprise 2015 Annual Report Download - page 10

8 | Annual Report 2015
Through our investments in technology, advisors
can share information with clients more easily
and securely, and process business even faster.
We continue to see good advisor uptake of
the tools we’ve put in place, including eFile
delivery, money movement systems and our
paperless ofce.
We also enhanced our digital presence,
including incorporating responsive design within
ameriprise.com making it easy for clients to
access their information from multiple types of
devices. And we further strengthened our wealth
results in our Advice & Wealth Management
business. In 2015, client net inows in fee-
based investment advisory accounts were more
than $11 billion and overall advisor productivity
reached an all-time high of $514,000 in
operating net revenue per advisor. Operating
revenues and earnings were up nicely, even
in a more challenging environment. And
as we grow the business and navigate the
environment, we continue to manage expenses
prudently — operating margin in Advice & Wealth
Management increased 60 basis points last year
to a competitive 17.1%.
management platform, including enhancing our
research function and adding to our growing
managed account product line.
Advisors recognize the strength of the Ameriprise
value proposition. In 2015, 347 experienced,
highly productive advisors joined the rm —
bringing our three-year total to nearly 1,000
advisors — which has added thousands of new
client relationships and signicant assets to
the rm.
The combination of personal client relationships,
broad capabilities and strong reputation
translated into strong metrics and nancial
Annuities and Protection — providing important
solutions within our Condent Retirement®
approach and strengthening asset persistency
From helping clients maintain their lifestyles in
retirement to preparing for the unexpected and
leaving a legacy — we help protect assets and
retirement income. For shareholders, our Annuity
and Protection businesses are solid and stable
with strong risk characteristics that generate
attractive returns across market cycles and
contribute to our ability to retain client assets
over time.
Our Condent Retirement® approach
Our exclusive Condent Retirement approach
brings together our capabilities to help address a
critical consumer need — planning and preparing
for retirement. It links together dreams, goals,
recommendations, product solutions and action
steps in a way that’s easy for people to understand.
Using the approach, clients work with their advisors
to address four key retirement needs: covering
essentials, ensuring lifestyle, preparing for the
unexpected and leaving a legacy. ®
Leaving
a legacy
Preparing for
the unexpected
Ensuring
lifestyle
Covering
essentials