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Customized advice that changes with your needs.

Everyone has different financial goals and priorities, and they change and grow as you do. That’s why it’s important for me to get to know you and understand what you’re working toward. Together, we can create a personalized financial plan that fits your needs today and helps you build the tomorrow you deserve.

Philip P Andriola, JD

Private Wealth Advisor Chief Executive Officer of

Forbes Best-in-State Wealth Advisors, 2019-2021 Andriola, Goldberg & Associates, Ameriprise Client Experience Award, 2020-2021

Andriola, Goldberg & Associates

A private wealth advisory practice of Ameriprise Financial Services, LLC

516.345.2600

401 Franklin Ave, Ste 101, Garden City, NY 11530 philip.p.andriola@ampf.com | philippandriola.com 401 Franklin Avenue, Suite 101 Garden City, NY 11530 516.345.2600Not Federally Insured | No Financial Institution Guarantee | May Lose Value

CA Insurance #0G20827 This ranking was developed by SHOOK Research and is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, and firm nominations; as well as a quantitative review that includes assets under management and revenue generated for their firms. Investment performace is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC and not indicative of future performance or representative of any one client’s experience. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information: www.SHOOKresearch.com The Ameriprise Client Experience Award is earned by a practice based on three measurable statistics that reflect the value of goal-based advice to our clients: client experience rating; percentage of clients over a certain asset level in advice relationships; and, once the practice has exceeded a minimum amount of net flows, the percentage of net flows derived from assets under management. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2022 Ameriprise Financial, Inc. All rights reserved.

5 Steps to Effectively Manage Today’s Market Volatility

The year 2022 has presented challenges for investors, with stock markets experiencing signi cant volatility and bond markets showing unpredictable movement. Much of this can be attributed to external events. The most notable triggers are Russia’s invasion of Ukraine, an extended period of higher in ation, and a shift in monetary policy by the Federal Reserve. Times like these can cause anxiety for investors. As you watch markets move up and down, sometimes dramatically in a day, it’s natural to wonder whether it’s time to make changes to your investments. Before you do so, it’s important to think about your nances in the context of the broader picture and seek advice from a professional who can help you evaluate what actions, if any, you should take. Here are ve tips to get started. Don’t let daily events overly influence your decision making. It is easy to become overwhelmed with the headlines of the day, particularly if seemingly bad news is piling up and having a negative impact on the markets. Keep in mind that we’ve seen many periods where markets suffered sharp downturns. Yet historically, markets as a whole 231488 S

have always recovered any ground lost during short-term setbacks. Headlines come and go, but building an effective, long-term strategy should remain your primary focus. Re-assess your risk tolerance If you’re feeling uneasy about market volatility, you may need to take another look at the level of investment risk with which you are comfortable. Periods of market volatility are often a true test of the ability to withstand temporary setbacks to your portfolio. Another consideration is your time horizon. For example, if you are within ve years of retirement, you may want to consider scaling back the level of risk in your portfolio to protect against the impact of a major downturn occurring at the wrong time – just when you need the money for retirement. Stay properly diversified Once you’ve determined your risk tolerance, the next consideration is diversi cation. Maintain an appropriate balance of stocks, bonds, and other types of investments. In addition, make certain you don’t have a concentrated position. As a rule of thumb, no individual holding should represent more than 20% of your asset mix. This includes company stock you may hold in your workplace retirement plan.

Continue or expand systematic investments While volatile markets can be concerning, they shouldn’t impact your ongoing investment plans. If you make regular contributions to your workplace savings plan or other accounts, it’s best to maintain those investments. If markets go down, your regular contribution will purchase more shares of the investment. That could bene t you over the long run. If you have the ability to save more through Philip P Andriola, JD systematic investing, don’t be hesitant Private Wealth Advisor, to boost those amounts you sock away Chief Executive Of cer regularly. Andriola, Goldberg & Associates Review your strategy with your A private wealth advisory practice of Ameriprise Financial Services, Inc. financial advisor. It can be helpful to discuss your nancial situation in the context of today’s markets with your 516.345.2600 nancial professional. They will be able 401 Franklin Ave, Ste 101 Garden City, NY 11530 edith.a.stahl@ampf.com to help you assess your current position, if your portfolio carries an appropriate level of risk and whether there may be investment opportunities you should philippandriola.com consider today. Having a conversation about the best way to approach today’s markets can make a difference and can help keep you on track to achieve your most important goals.

Philip P. Andriola, JD, is a Private Wealth Advisor and Chief Executive Of cer with Andriola, Goldberg & Associates, a private wealth advisory practice of Ameriprise Financial Services, LLC. You’ve prepared for a rewarding retirement. I can help you Your vision of retirement is unique, and your financial plan should be too. As an Ameriprise Private Wealth Advisor, I have the qualifications and knowledge to help you grow and preserve He offers fee-based nancial planning and asset management strategies and has been in practice make the most of it. your wealth. Whether it’s investment management, tax strategies or legacy planning, I’ll work with you to find the right financial for 23 years. To contact him: www.philippandriola.com solutions for your individual needs. And I’m backed by the 401 Franklin Avenue strength and stability of one of America’s leading retirement Suite 101 planning companies. Garden City, NY 11530 (516) 345-2600 Ameriprise Chairman’s Advisory Council 2012-2016philip.p.andriola@ampf.com FIVE STAR Wealth Manager 2014-2015 Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Philip P Andriola, JD Private Wealth Advisor, Chief Executive Of cer The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively employed as a credentialed professional in the Ameriprise Financial Services, LLC. Member FINRA and SIPC. Andriola, Goldberg & Associates A private wealth advisory practice of Ameriprise Financial Services, Inc. nancial services industry for a minimum of ve years; 3. Favorable regulatory and complaint history review (please note unfavorable feedback may have been ©2022 Ameriprise Financial, LLC. 516.345.2600 401 Franklin Ave, Ste 101 discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint All rights reserved. Garden City, NY 11530 edith.a.stahl@ampf.com process*); 4. Ful lled their rm review based on internal rm standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention philippandriola.com rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may opt to purchase additional pro le ad space or related award promotional products. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s

You’ve prepared for a rewarding Your vision of retirement is unique, and your financial plan retirement. I can help you should be too. As an Ameriprise Private Wealth Advisor, I have the qualifications and knowledge to help you grow and preserve make the most of it. your wealth. Whether it’s investment management, tax strategies or legacy planning, I’ll work with you to find the right financial solutions for your individual needs. And I’m backed by the strength and stability of one of America’s leading retirement planning companies. Ameriprise Chairman’s Advisory Council 2012-2016 FIVE STAR Wealth Manager 2014-2015 The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively employed as a credentialed professional in the nancial services industry for a minimum of ve years; 3. Favorable regulatory and complaint history review (please note unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process*); 4. Ful lled their rm review based on internal rm standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention