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Ameriprise
 


 
 

 
https://click.afs.ameriprise.com/?qs=2a2f1907c2c16a28b4e89ab6207e7958d0f9bbfa0fbfa0cd75d303c0e2013de1dad4608325a479c05e7a3ead7d2a16aef216966b867738c7e56329d8305947e7 
Dalton and Associates

 
 
  
 

February 2024

 Prepared for: Danny Groina

https://click.afs.ameriprise.com/?qs=b79201079269e294a43023aafd65bff3f85ff4af634d77db62a2dd8de0b019489567b3e3f4c1449f60e840e0886b5d00487ba8b1749798badfa0a171ffe96f83 

When will interest rates fall — and how fast?

The direction of interest rates will be one of the most important and closely watched economic indicators of 2024.

https://click.afs.ameriprise.com/?qs=b79201079269e294a43023aafd65bff3f85ff4af634d77db62a2dd8de0b019489567b3e3f4c1449f60e840e0886b5d00487ba8b1749798badfa0a171ffe96f83 
Read our forecast
   
 

https://click.afs.ameriprise.com/?qs=b79201079269e2944abc4c21a4e0db9f937a491fb4a0d1ed15baa9d532bdf63b551b2709bd735f6e8e6b8dd8495e5fd533332945939a363644207571bf78abb4 

Why return to fixed income, now?

The window of opportunity may be closing for investors seeking to lock in elevated returns.

https://click.afs.ameriprise.com/?qs=b79201079269e2944abc4c21a4e0db9f937a491fb4a0d1ed15baa9d532bdf63b551b2709bd735f6e8e6b8dd8495e5fd533332945939a363644207571bf78abb4 
Get the insights
  
 
https://click.afs.ameriprise.com/?qs=b79201079269e29482f980165fc60c5e8b1f1ca77a148daffac5447b5fc6d583c4e3b721d431c6228fe92915d647b398dcf61e35763ac8ca8e2a8b7bae39598e 

The 60/40 portfolio is not obsolete

It’s been a difficult couple of years for the traditional 60/40 portfolio, but don’t discount its value.

https://click.afs.ameriprise.com/?qs=b79201079269e29482f980165fc60c5e8b1f1ca77a148daffac5447b5fc6d583c4e3b721d431c6228fe92915d647b398dcf61e35763ac8ca8e2a8b7bae39598e 
Find out why

  
 
 
Where <i>can cash investors turn</i> if interest rates fall?


https://click.afs.ameriprise.com/?qs=2a2f1907c2c16a289c63b6dca8a5426c9ed74ae08a206cd0c996703d254184262f9f04655922ed7cedc29f19da3b6365daaf311f0ce7f6ecf29aa60c653d6db1 
  

https://click.afs.ameriprise.com/?qs=2a2f1907c2c16a289c63b6dca8a5426c9ed74ae08a206cd0c996703d254184262f9f04655922ed7cedc29f19da3b6365daaf311f0ce7f6ecf29aa60c653d6db1 
Watch the video 





 
 

 

  
 Connect with me

  
  
 
 Scott Durrett 
  Financial Advisor 
  Associate Vice President 
  Dalton and Associates
  A private wealth advisory practice of Ameriprise Financial Services, LLC 
      
 
  
 562.308.4526562 


  

 
mailto:scott.durrett@ampf.com 

  
mailto:scott.durrett@ampf.com 
Email me  


  

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Visit my site 


  

  
 
  
 
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https://click.afs.ameriprise.com/?qs=667c400dd54b48b4cc02e02b83065105429cedd159c8fcbfec13309ca98ba82ce4f4f1193099dd0e03607a968b56c5226af28a30df3c9e19c376b07122c9af40 

 Scott Durrett

 Financial Advisor

  Associate Vice President

   Dalton and Associates

  A private wealth advisory practice of Ameriprise Financial Services, LLC 

  

    2029 Century Park E Ste 2550

  Los Angeles, California 90067-2936

 

  

  Office Phone: 562.308.4526562

   Email: scott.durrett@ampf.com

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  .heroScale { width:100% !important; height:auto !important; }
  .mobileFullWidth { width:276px !important; float:left !important; }
  .mobileStack { width:276px !important; float:left !important; display: block !important; }
  .mobile300px { width:300px !important; }
  .mobile236px { width:236px !important; }
  .mobile274px { width:274px !important; }
  .mobile76px { width:76px !important; }
  .mobileHeight20px { height:20px !important; font-size:20px !important; line-height:20px !important; }
  }


@media only screen and (min-width: 480px) {
        .desktopShowInline { display: inline!important; /*no space before !important because of Yahoo bug*/ }
        }
  
@media only screen and (max-width: 619px) {
            /* force Gmail iOS email body to full-width */
            .body { min-width: 100vw; }
            /* force link styling on addresses, etc. in the Gmail App */
            #body a,
            #body a:hover,
            #body a:visited{ color:inherit; font:inherit; text-decoration:none; }
        }
  
body { margin: 0 auto!important; padding: 0; background-color: #ffffff; -webkit-text-size-adjust: none; }
table { border-spacing: 0; font-family: sans-serif; color: #4d4e53; }
td { padding: 0; }
img { border: 0; }
/* outlook visited link state */
span.MsoHyperlink { mso-style-priority:99; color:inherit; text-decoration: inherit; }
span.MsoHyperlinkFollowed { mso-style-priority:99; color:inherit; text-decoration: inherit; }
/* end outlook visited link state */
.wrapper { width: 100%; table-layout: fixed; -webkit-text-size-adjust: 100%; -ms-text-size-adjust: 100%; }
.webkit { max-width: 620px; /* set to max-width of full email */ 
   margin: 0 auto; }
.full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto; }
.multi-column-align-top .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */ }
.multi-column-align-middle .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;vertical-align: middle; /* this will align the column just as if it's a table cell */ }
.multi-column-align-bottom .column { width: 100%; max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
   display:inline-block; vertical-align: bottom; /* this will align the column just as if it's a table cell */ }
</style>
      <!--[if gt mso 15]>       <style type="text/css" media="all">          /* Outlook 2016 Height Fix */          table, tr, td {border-collapse: collapse;}          tr { font-size:0px; line-height:0px; border-collapse: collapse; }       </style>       <![endif]-->
      <!--[if mso]>       <style>          td{          font-family: Arial, Helvetica, sans-serif !important;          }            </style>       <![endif]-->

      <!--[if gte mso 9]>       <style>          .outlookfix{font-size:0%; line-height:0;}  </style> <![endif]-->
 
<style type="text/css">
 body { margin:0; padding:0; width:100% !important; overflow-y:scroll; -ms-text-size-adjust:100%; -webkit-text-size-adjust: 100%; font-family:Helvetica, Arial, sans-serif; }
 table { mso-table-lspace:0pt; mso-table-rspace:0pt; border-collapse: collapse; }
 a[href^=tel]{ color:inherit; text-decoration:none; }
 a { color:inherit; text-decoration:none; }
 .ExternalClass * { line-height: 100%; } 
</style>

<style>
        /*Outlook.com does not support media queries. Target Outlook.com using this format.*/
        /*Force Outlook 365 to full width so it doesn't look broken when browser window is smaller than max width.*/
        [owa] .webkit{
            width:620px!important;
        }
        [owa] .desktopShow{
            display:block!important;
        }
        [owa] .desktopHide {
            display:none!important;
        }
        [owa] .desktopDisplayInline {
            display: inline!important;
        }
        [owa] .desktopWidth360px {
            max-width: 360px!important;
        }
        [owa] .desktopWidth300px {
            max-width: 300px!important;
        }
        [owa] .desktopWidth290px {
            max-width: 290px!important;
        }
        [owa] .desktopWidth280px {
            max-width: 280px!important;
        }
        [owa] .desktopWidth240px {
            max-width: 240px!important;
        }
        [owa] .desktopWidth220px {
            max-width: 220px!important;
        }
        [owa] .desktopWidth206px {
            max-width: 206px!important;
        }
        [owa] .desktopWidth186px {
            max-width: 186px!important;
        }
        [owa] .desktopWidth180px {
            max-width: 180px!important;
        }
        [owa] .desktopWidth160px {
            max-width: 160px!important;
        }
        [owa] .desktopWidth154px {
            max-width: 154px!important;
        }
        [owa] .desktopWidth142px {
            max-width: 142px!important;
        }
        [owa] .desktopWidth130px {
            max-width: 130px!important;
        }
        [owa] .desktopWidth120px {
            max-width: 120px!important;
        }
        [owa] .desktopWidth64px {
            width: 64px!important;
        }
        [owa] .desktopWidth40px {
            width: 40px!important;
        }
        [owa] .desktopWidth20px {
            width: 20px!important;
        }
        [owa] .desktopFont36px {
            font-size: 36px!important;
            line-height: 40px!important;
        }
        [owa] .desktopPaddingBottom40px {
            padding-bottom: 40px!important;
        }
        [owa] .desktopPaddingBottom35px {
            padding-bottom: 35px!important;
        }
        [owa] .desktopPaddingBottom0px {
            padding-bottom: 0px!important;
        }
        [owa] .desktopPaddingTop40px {
            padding-top: 40px!important;
        }
        [owa] .desktopPaddingTop35px {
            padding-top: 35px!important;
        }
        [owa] .desktopPaddingTop30px {
            padding-top: 30px!important;
        }
        [owa] .desktopPaddingLeft40px {
            padding-left: 40px!important;
        }
        [owa] .desktopPaddingRight40px {
            padding-right: 40px!important;
        }
        [owa] .desktopPaddingRight30px {
            padding-right: 30px!important;
        }
        [owa] .desktopPaddingRight20px {
            padding-right: 20px!important;
        }
</style>

<style>
        /*Modules*/
        h2 {
            font-family: Arial, Helvetica, sans-serif; 
            color: #4d4e53;
            font-size: 18px;
            margin: 0 0 0 20px;
            padding: 20px;
            border: solid 1px #4d4e53;
            background-color: #fad7b1;
            text-transform: uppercase;
        }
        
        /* Basics */
        body {
            margin: 0 auto!important;
            padding: 0;
            background-color: #ffffff;
            -webkit-text-size-adjust: none; 
        }
        table {
            border-spacing: 0;
            font-family: sans-serif;
            color: #4d4e53;
        }
        td {
            padding: 0;
        }
        img {
            border: 0;
        }
        /* outlook visited link state */
        span.MsoHyperlink {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        span.MsoHyperlinkFollowed {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        /* end outlook visited link state */
        .wrapper {
            width: 100%;
            table-layout: fixed;
            -webkit-text-size-adjust: 100%;
            -ms-text-size-adjust: 100%;
        }
        .webkit {
            max-width: 620px; /* set to max-width of full email */
            margin: 0 auto;
        }
        .full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto;
        }
        .multi-column-align-top .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: top; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-middle .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: middle; /* this will align the column just as if it's a table cell */
        }
        .multi-column-align-bottom .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: bottom; /* this will align the column just as if it's a table cell */
        }   
 </style><style type="text/css">
.ExternalClass * { line-height: 112%; }
.ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td { line-height: 112%; }
a[href^=tel], .nolinkcolor > a { /* this is the iOS and Outlook.com styling override */
 color: inherit;
 text-decoration: none;
}
.sup, td { -webkit-text-size-adjust: none; }
table, td {
 border-collapse: collapse;
 padding: 0px;
 margin: 0px;
 mso-table-lspace: 0pt;
 mso-table-rspace: 0pt;
}
em { font-style: italic; }
strong { font-weight: bold; }
.link { /* use this span insde the link tag to fix links for Outlook 2013/16 */
 color: inherit;
 text-decoration: inherit;
}
.appleLinks a {
 color: inherit !important;
 text-decoration: none !important;
}
.appleLinks2 a { color: inherit !important; }
a[x-apple-data-detectors] {
 color: inherit !important;
 text-decoration: none !important;
 font-size: inherit !important;
 font-family: inherit !important;
 font-weight: inherit !important;
 line-height: inherit !important;
}
th { font-weight: normal; }

@media screen and (max-width: 550px) {
/***** Global Styles *****/
*[class].full, .full { width: 100% !important; }
*[class].table-main, .table-main { width: 100% !important }
*[class].table90, .table90 { width: 70% !important }
*[class].fullgmail, .fullgmail {width: 100% !important; min-width: 320px !important;}
*[class].hide, .hide { display: none !important; }
*[class].mobileshow, .mobileshow {
 display: block !important;
 width: auto !important;
 overflow: visible !important;
 float: none !important;
 max-height: none !important;
 line-height: normal !important;
 visibility:visible !important;
 font-size:inherit !important;
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padmain, .padmain {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 0 !important
}
*[class].padmain2, .padmain2 {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 20px !important
}
*[class].displayBlock, .displayBlock {
 width: 100% !important;
 display: block !important;
}
*[class].widthauto, .widthauto { width: auto !important }
*[class].borderadius, .borderadius { border-radius:3px !important;-moz-border-radius:3px !important;-webkit-border-radius:3px !important; height:40px !important; width:auto !important}
*[class].padT10, .padT10 {
 padding-top: 15px !important;
 padding-bottom: 15px !important;
 padding-left: 0 !important;
}
*[class].padbot2, .padbot2 { padding: 42px 0px 21px 0px !important; }
*[class].padbtm, .padbtm { padding-bottom: 20px !important; }
*[class].padbtm10, .padbtm10 { padding-bottom: 10px !important; }
*[class].padBTM, .padBTM { padding-bottom: 20px !important }
*[class].alignleft, .alignleft {
 text-align: left !important;
 padding-bottom: 5px !important;
 padding-left: 20px !important
}
*[class].alignleft2, .alignleft2 {
 text-align: left !important;
 padding-bottom: 22px !important;
 padding-left: 20px !important
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padR20, .padR20 { padding-right: 50px !important; }
*[class].padterms20, .padterms20 { padding-right: 20px !important }
*[class].imgwdth90, .imgwdth90 { width: 90% !important }
*[class].heroheading, .heroheading { padding-top: 38px !important; }
*[class].heroheadPadBtm, .heroheadPadBtm { padding-bottom: 38px !important; }
*[class].brkblk, .brkblk {
 display: block !important;
 margin-bottom: 15px;
}
*[class].aligncenter, .aligncenter {
 text-align: center !important;
 padding: 0 30px 12px 30px !important
}
*[class].heightinher, .heightinher { height: inherit !important }
*[class].padleft20, .padleft20 { padding-left: 20px !important;padding-right: 20px !important; }

*[class].pad11, .pad11 { padding-left: 20px !important;padding-right: 20px !important; }
*[class].txtalign, .txtalign { padding: 0px 0px 18px 15px !important; }
*[class].txtalign2, .txtalign2 {
 text-align: right !important;
 padding: 8px 4px 12px 15px !important;
}
 *[class].Acenter, .Acenter{text-align:center !important;}
 *[class].pdl30, .pdl30{padding-left: 30px !important;}
  *[class].setblock, .setblock{display: block !important;}
 *[class].Mtext, .Mtext{font-size: 14px !important; line-height: 16px !important; color: #000000 !important; letter-spacing: 0px !important; padding-top: 5px !important; }
 *[class].Lpad, .Lpad{ padding-left:10px !important;}
 *[class].set90P, .set90P{width:88px !important; height: auto !important;}
 *[class].set40P, .set40P{width:45px !important; height: auto !important;}
 *[class].set200P, .set200P{width:201px !important; height: auto !important;}
 *[class].padleft37, .padleft37 { padding-left: 40px !important;padding-right: 39px !important; width: auto !important; }
 *[class].paddr5P, .paddr5P{padding-right:5px;}
}
</style>
   </head>
   <body bgcolor="#ffffff" style="margin: 0px; padding: 0px; -webkit-text-size-adjust:none; -ms-text-size-adjust: none;"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">Plus, how to lock in elevated yields.</div>
      <img src="https://click.afs.ameriprise.com/open.aspx?ffcb10-fec3127774600178-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff2511757d6c&d=110042&bmt=0" width="1" height="1" alt="">
      <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%" style="table-layout:fixed;">
         <tr class="outlookfix">
            <td align="center" valign="top">
               <div align="center">
                  <table width="620" border="0" cellspacing="0" cellpadding="0" align="center" class="container" style="width: 620px;">
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table>
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
  <table border="0" cellspacing="0" cellpadding="0" width="100%">
    <tr>
      <td align="center">
        <!--Comerica brand--><!--PWA Qualified Branding-->
        <a href="https://click.afs.ameriprise.com/?qs=aae08b47ebcd029c49d59b350d241af4a2df7f12ddb0cbdd63a3ffd7229dc76b4fa3b8f16f243696602892beef94cd0c888ee0167b34020e52a736bcd2f02661" ><img width="176" height="" style="display: block;" alt="Ameriprise Private Wealth Practice" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" border="0"></a>
        <div style="width: 176px; text-align: center; color: rgb(94, 108, 117); line-height: 15px; font-family: &quot;PublicoHeadlineRoman&quot;, Georgia, serif; font-size: 13px;">Dalton and Associates<br>
        </div>
        <!--PWA Qualified Branding End-->
        <!--PWA Branding Start-->
        <!--End Standard Branding-->
        <div style="height: 4px; line-height: 6px; font-size: 12px;">
          &nbsp;
        </div>
        <table class="mobile320px" style="border-top-color: rgb(83, 98, 111); border-top-width: 0px; border-top-style: solid;" width="600" cellspacing="0" cellpadding="0" border="0" bgcolor="#ffffff">
          <tr>
            <td width="600">
              <div style="height: 4px; line-height:6px; font-size: 12px;">
              </div>
            </td>
          </tr>
        </table>
      </td>
    </tr>
  </table>
  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; ">
    <tr>
      <td class="stylingblock-content-wrapper camarker-inner">
        <table border="0" cellpadding="0" cellspacing="0" class="dashedBorder" width="100%" style="padding-top:20px; padding-bottom: 20px;">
          <tr>
            <td align="center" valign="top">
              <!--start mobile image-->
              <!--[if mso]><!-->
              <div class="desktopHide mobileShow mobileWidth100Percent">
                <img alt="" border="0" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/99aedbea-118f-4271-a2ec-05fc8fb3d965.png" style="display: block;" width="100%">
              </div>
              <!--<![endif]-->
              <!--end mobile image-->
              <!--start desktop image-->
              <!--[if mso]><!-->
              <table border="0" cellpadding="0" cellspacing="0" class="desktopShow" style="display: none;">
                <!--<![endif]-->
                <!--[if (gte mso 12)|(IE)]> <table cellpadding="0" cellspacing="0" border="0" style="width: 600px;"> <![endif]-->
                <tr>
                  <td style="text-align: center; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;" valign="top">
                    <img alt="" border="0" height="" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/99aedbea-118f-4271-a2ec-05fc8fb3d965.png" width="600" style="display: block; padding: 0px; text-align: center; height: 100px; width: 600px; border: 0px;">
                    <div align="center" height="100px">
                    </div>
                    <table border="0" cellpadding="0" cellspacing="0" class="container" style="width: 600px">
                      <tr>
                      </tr>
                    </table>
                    <table border="0" cellpadding="0" cellspacing="0" width="100%">
                      <tr>
                        <td align="center" valign="top">
                        </td>
                      </tr>
                    </table>
                    <!--[if gte mso 9]>                                                     </v:textbox> </v:rect> </v:image>                                                 <![endif]-->
                  </td>
                </tr>
              </table>
            </td>
          </tr>
        </table>
        <table class="mobile320px" style="border-top-color=" ";="" border-top-width:="" 0px;="" border-top-style:="" "";"="" width="600" cellspacing="0" cellpadding="0" border="0" bgcolor="#ffffff">
          <tr>
            <th width="600px" height="50" valign="middle" style="padding: 10px; padding-left:25px; text-align:left;">
              <span style="font-family:Helvetica,Arial,sans-serif;font-size:13px;font-weight:400;line-height:1.5">February 2024<br>
                Prepared for: Danny Groina</span>
            </th>
          </tr>
        </table>
      </td>
    </tr>
  </table>
</div></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--start prospect body-->
<div role="article" aria-roledescription="email" lang="en" style="-webkit-text-size-adjust:100%;                                                                   -ms-text-size-adjust:100%;                                                                   background-color:#ffffff;">
  <table width="100%" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation">
    <tr>
      <td align="center">
        <!--[if mso]> <table role="presentation"  align="center"  style="width:600px;"> <tr> <td style="padding:00px 0;"> <![endif]-->
        <div class="outer" style="width:100%;                                   max-width:600px;                                   margin:00px auto;">
          <div class="one-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5;"> 
            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <td style="width:100%; padding:0px;"  valign="middle"> <![endif]-->
            <div class="column" style="width:100%;                                        max-width:600px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:0px;                           text-align:center">
                <p style="margin:0;                           padding:0px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;                           font-size:14px;                           line-height:18px;                           align:center"> 
                  <a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfba1722fc18068c5d6a124dee423c302da10ff146a8875890c449e4cb5f8a4e1f826081c4a033bcd832e3d5668dc515ce26ae4b311a93932ae" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/2714b76c-92dc-41dd-bca9-291a0caf6d13.jpg" width="600" alt="Article 1 Image" style="display:block;                     width:100%;                     height:auto;                     max-width:600px;"> </a>
                </p>
              </div>
            </div>
            <!--[if mso]> </td> </tr> </table> <![endif]--> 
          </div>
          <div class="one-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5"> 
            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <!--[if mso]> </td> <td style="width:100%; padding: 0px 20px 0px 20px;"  valign="middle">&nbsp; <![endif]-->
            <div class="column" style="width:100%;                                        max-width:600px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:20px;                           font-size:14px;                           line-height:18px;                           text-align:left;">
                <p style="margin-top:0;                           margin-bottom:20px;                           line-height:30px;                           font-family: 'PublicoHeadlineRoman', 'Times New Roman', Times, serif;                           font-size:24px;                            font-weight:400;                            color:#053e6a;">When will interest rates fall — and how fast?</p>
                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">The direction of interest rates will be one of the most important and closely watched economic indicators of 2024.</p>
                <p style="margin:0;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;" align="center"> 
                  
<a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfba1722fc18068c5d6a124dee423c302da10ff146a8875890c449e4cb5f8a4e1f826081c4a033bcd832e3d5668dc515ce26ae4b311a93932ae"  style="background: #f5f5f5;                                                                                                            border: 2px solid #003D6D;                                                                                                            text-decoration: none;                                                                                                            padding: 7px 40px;                                                                                                            color: #003D6D;                                                                                                            border-radius: 0px;                                                                      
                                      display:inline-block;                                                                                                           mso-padding-alt:0;                                                                                                           text-underline-color:#003D6D"> 
                    <!--[if mso]> <i style="letter-spacing: 25px; mso-font-width:-100%; mso-text-raise:30pt" hidden>&nbsp;</i><![endif]--> 
                    <span style="mso-text-raise:15pt;">Read our forecast</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><br><br><br><![endif]--> 
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            <!--[if mso]> <table role="presentation"  width="100%"  style="width: 600px;  margin: 0 0;  background-color:#f5f5f5;"  width="600"  align="center"> <tr> <td style="width:50%; padding:0px;"  valign="middle"> <![endif]-->
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                  <a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfb6d0824a62195d91a3efe898f91d88e43438280c99ab4ac059ad2dee42c023018f45541ee0c867001989171a17c5bdd791b8079996896b8ac" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/0e510724-9a70-4ee5-a957-dcdd786afe2f.jpg" width="300" alt="Article 2 Image" style="display:inline-block;                     width:100%;                     height:auto;                     max-width:300px;"> </a>
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            <!--[if mso]> </td> <td style="width:50%; padding: 0px 20px 0px 20px;"  valign="middle"> <![endif]-->
            <div class="column" style="width:100%;                                        max-width:300px;                                        display:inline-block;                                        vertical-align:middle;">
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                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">The window of opportunity may be closing for investors seeking to lock in elevated returns.</p>
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<a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfb6d0824a62195d91a3efe898f91d88e43438280c99ab4ac059ad2dee42c023018f45541ee0c867001989171a17c5bdd791b8079996896b8ac"  style="background: #f5f5f5;                                                                                                          border: 2px solid #007886;                                                                                                          text-decoration: none;                                                                                                          padding: 7px 40px;                                                                                                          color: #007886;                                                                                                          border-radius: 0px;                                                                                
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                    <!--[if mso]> <i style="letter-spacing: 25px; mso-font-width:-100%; mso-text-raise:30pt" hidden>&nbsp;</i><![endif]--> 
                    <span style="mso-text-raise:15pt;">Get the insights</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
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                  <!--[if mso]> <table cellpadding="0" cellspacing="0" width="600" border="0" bgcolor=""#f5f5f5" class="width100 heroScale"><tr><td align="left" bgcolor="#f5f5f5" dir="ltr"> <![endif]-->
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                        <a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfb3d05ba0a523a2cd3d6c38f04429bac6b774c78aaf3119a9140292570280393bc79db58dbbd3c6553dd3a34f2c65555f8ca287e521cd54ec4" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/f92534b0-8c69-4074-9cb7-16b54b838ff9.jpg" width="300" alt="Article 3 Image" style="display:inline-block;width:100%;height:auto; max-width:300px;" border="0"></a>
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                  <!--[if mso 16]></td></tr></table><table cellpadding="0" cellspacing="0" width="280" align="left"><tr><td><![endif]-->
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                              <p style="margin-top:0;                                         margin-bottom:24px;                                         font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">It’s been a difficult couple of years for the traditional 60/40 portfolio, but don’t discount its value.</p>
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<a href="https://click.afs.ameriprise.com/?qs=d603ce6291ecacfb3d05ba0a523a2cd3d6c38f04429bac6b774c78aaf3119a9140292570280393bc79db58dbbd3c6553dd3a34f2c65555f8ca287e521cd54ec4"  style="background: #f5f5f5;                                                                                                                              border: 2px solid #007886;                                                                                                                              text-decoration: none;                                                                                                                              padding: 7px 40px;                                                                                                                              color: #007886;                                                                                                                             
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                                  <span style="mso-text-raise:15pt;">Find out why</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
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                        <div class="button-padding"><!--[if mso]>   <v:rect xmlns:v="urn:schemas-microsoft-com:vml" xmlns:w="urn:schemas-microsoft-com:office:word" href="https://www.ameripriseadvisors.com/scott.durrett/market-and-economic-insights/?video=ed98cb9ac420462a85140cd2e96c617c66610db5&CID=MOD_ME_0224_P_4" style="height:80px;v-text-anchor:middle;width:190px;" strokecolor="#ffffff" fillcolor="#3fa39a" strokeweight="3px">     <w:anchorlock/>     <center style="color:#ffffff;font-family:sans-serif;font-size:13px;">Watch the video</center>   </v:rect> <![endif]-->
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             Scott Durrett</div> <div style="padding: 10px 0px 0px 0px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
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              Financial Advisor</div> <div style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
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              Dalton and Associates</div><div style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
              A private wealth advisory practice of Ameriprise Financial Services, LLC</div> </th><th class="mobileHide" style="width: 20px; font-weight: normal; text-align: left;" width="20">
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            Scott Durrett</td></tr><tr>
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            Financial Advisor<br>
             Associate Vice President<br>
              Dalton and Associates<br>
             A private wealth advisory practice of Ameriprise Financial Services, LLC&nbsp;</td></tr><tr>
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