Return-Path: <bounce-85_HTML-17924247-838794-514005474-440@bounce.afs.ameriprise.com>
Delivered-To: danny@sterlingcal.com
Received: from reseller401.webserversystems.com
	by reseller401.webserversystems.com with LMTP
	id UJhEI6KVYWeFCwsAchKAPA
	(envelope-from <bounce-85_HTML-17924247-838794-514005474-440@bounce.afs.ameriprise.com>)
	for <danny@sterlingcal.com>; Tue, 17 Dec 2024 09:15:46 -0600
Return-path: <bounce-85_HTML-17924247-838794-514005474-440@bounce.afs.ameriprise.com>
Envelope-to: danny@sterlingcal.com
Delivery-date: Tue, 17 Dec 2024 09:15:46 -0600
Received: from mta.afs.ameriprise.com ([13.111.172.164]:44351)
	by reseller401.webserversystems.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384
	(Exim 4.96.2)
	(envelope-from <bounce-85_HTML-17924247-838794-514005474-440@bounce.afs.ameriprise.com>)
	id 1tNZIX-0033P1-2U
	for danny@sterlingcal.com;
	Tue, 17 Dec 2024 09:15:46 -0600
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=11dkim1; d=afs.ameriprise.com;
 h=From:To:Subject:Date:List-Unsubscribe:List-Unsubscribe-Post:MIME-Version:
 Reply-To:Message-ID:Content-Type; i=scott.durrett@afs.ameriprise.com;
 bh=tY6c/Z9z7/uCzGhuf4tJRGSJ2RjhtwmXK4paCEgHbHY=;
 b=UMW9xfDqGD0PkV5RReHGdvkvw/dXBir5nzCSonj5BufS97BBEo6F+oj8dFzyO6xR79TN0t0pTWwI
   YstFuKCFZsGtsRt3g6B4/pEn3xTgzOqbiA4+voxgJn5gUr+Ff4rAU0fokVIMHTQuDeAsEX0yvkml
   Ua31Gb680gp3CvP75fYSrhF34esQzhcAcCexABQT7Wxg1C9Jr5M9yNRBi6OqMEpwt7xruGX+ATKJ
   AGTpTDzZKrYCletTPMnk4v29pRDvZcrT473uAHhERNiiBxWUlrfgJsLsfr+led8MVplXKs2ll2TB
   F0UZZ83AOqt407svvts7ZbGdomdc49Kb562Txg==
Received: by mta.afs.ameriprise.com id hc6aq22fmd4r for <danny@sterlingcal.com>; Tue, 17 Dec 2024 15:15:34 +0000 (envelope-from <bounce-85_HTML-17924247-838794-514005474-440@bounce.afs.ameriprise.com>)
From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: 2025 bull market? A look back at 2024
Date: Tue, 17 Dec 2024 09:15:33 -0600
List-Unsubscribe: <https://click.afs.ameriprise.com/subscription_center.aspx?jwt=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJtaWQiOiI1MTQwMDU0NzQiLCJzIjoiMTc5MjQyNDciLCJsaWQiOiI4NSIsImoiOiI4Mzg3OTQiLCJqYiI6IjQ0MCIsImQiOiIxMTAwNDYifQ.wFQH-LQT8HeJWps0ZWNO815rLP7SdwMlIAHhrnUCbys>, <mailto:leave-fd7e1c751a3c402029-fe5b15777c66007f7113-feb81c737d630d79-fe31117171640478711374-ff67107475@leave.afs.ameriprise.com>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
MIME-Version: 1.0
X-SFMC-Stack: 11
x-job: 514005474_838794
Reply-To: "Scott Durrett" <reply-feb81c737d630d79-85_HTML-17924247-514005474-440@reply.afs.ameriprise.com>
Message-ID: <a5adcf24-0ee0-422a-8746-5b4625d0193e@atl1s11mta414.xt.local>
Content-Type: multipart/alternative;
	boundary="578kO7s1GCel=_?:"
X-Spam-Status: No, score=-4.2
X-Spam-Score: -41
X-Spam-Bar: ----
X-Spam-Flag: NO

This is a multi-part message in MIME format.

--578kO7s1GCel=_?:
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit

Ameriprise
 


 
 

 
&#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199; 
 &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199; 
 &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199; 
 &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199; 
 &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199;  &#847; &zwnj;   &#8199; 


https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125da4412fb0decde37a414131ff374850814ab3bad9360aae75cc133023f3304ed7a643827e29f987940a878f237291b64ff4efcbf7c10cb134  
Dalton and Associates

 
  
 

December 2024

 Prepared for: Danny Groina

https://click.afs.ameriprise.com/?qs=a8fb3b596805535d71e7ce822095e9d7da2654f350c18f3ecbd79c21c233f76bcb583b807b77ae5bea0fe9557755f6ec5b562be5b25d41f9d75a87d23c928454 

Will a recession follow interest rate cuts?

When the Fed has lowered interest rates in the past, recessions tended to emerge not long after. Will history repeat itself this time?

https://click.afs.ameriprise.com/?qs=a8fb3b596805535d71e7ce822095e9d7da2654f350c18f3ecbd79c21c233f76bcb583b807b77ae5bea0fe9557755f6ec5b562be5b25d41f9d75a87d23c928454 
Find out
   
 

https://click.afs.ameriprise.com/?qs=a8fb3b596805535dc822ed6e9483e92e57307460c0eb181eb12d50cbc58c5b24dc35ae59b10d6e79d47dff636b5cdf9daf3ce3bd92ff0f0df99225c86527bb0b 

2024 stock market reflections

It’s been a year of strong gains for the stock market. What may 2024 developments tell us about 2025?

https://click.afs.ameriprise.com/?qs=a8fb3b596805535dc822ed6e9483e92e57307460c0eb181eb12d50cbc58c5b24dc35ae59b10d6e79d47dff636b5cdf9daf3ce3bd92ff0f0df99225c86527bb0b 
Look back
  
 
https://click.afs.ameriprise.com/?qs=a8fb3b596805535d904840fced439f45e97a2095c94385221689690c9304ba87e00a24f8c0b876db207cf438c3feedfa1f8f6ea0cb634f871e894b1daeb5b955 

The Lipstick Effect, explained

Why this theory may account for strong consumer spending this holiday season — despite fatigue around high prices.

https://click.afs.ameriprise.com/?qs=a8fb3b596805535d904840fced439f45e97a2095c94385221689690c9304ba87e00a24f8c0b876db207cf438c3feedfa1f8f6ea0cb634f871e894b1daeb5b955 
Get the insights

  
 
 
Will the 2024 <i> market momentum </i>carry into 2025?


https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125db186935a5b720d86c69284dcd9bd543201ca9a5962948f6e3dad1123cc2b679cc3beda844c0bd872835b32dacf7555ddf8f3796a56f7335a 
  

https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125db186935a5b720d86c69284dcd9bd543201ca9a5962948f6e3dad1123cc2b679cc3beda844c0bd872835b32dacf7555ddf8f3796a56f7335a 
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 


  
 

https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d16d0a20a5a5b300b12a9bfd032cd29056f41fea121427198543cd8c881a7fe5ad3cf613d45eaf700ee394d6e6c4f6b551013cab4ed71f4ac 

  
 
https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d16d0a20a5a5b300b12a9bfd032cd29056f41fea121427198543cd8c881a7fe5ad3cf613d45eaf700ee394d6e6c4f6b551013cab4ed71f4ac 
Visit my site 


  
 

https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d19cc550c6bfe394ed15d47b99bf67a05b9e95d4b82358366b7885efb65f2a2b5b001ca61494dbd8d4d244041011709cab1afa2ec19f5d3bc 

  
 
https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d19cc550c6bfe394ed15d47b99bf67a05b9e95d4b82358366b7885efb65f2a2b5b001ca61494dbd8d4d244041011709cab1afa2ec19f5d3bc 
Office Locations 


  
 

  
 
 
  
 
 
https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d29dfbe2263f1616b5e8ffbb4fb03e877bb95196134e1c36cfb40c2e2d2cda8508b378aa969bb8c6fd3fe8ef43fca065b620352308835b920 

  
 
 


  
 




 

 
https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d37ce6d1a4d70f1a427e8418344d836e4d52d814211c8011ef34060e55cb4ae5d8a1f8fecf33d7d8b327831362a07c5e538bdd33216bad9db 

 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

   Website: https://www.ameripriseadvisors.com/scott.durrett 


 AR License # 17721044

  CA Insurance # 0K48038

 

  



This email is an advertisement.
 


 To stop receiving emails from Ameriprise, please click on 
 
https://click.afs.ameriprise.com/?qs=a8fb3b596805535d30c6f81c3172cc72366a7c5800e815600efc4af45bfa8303d50778bc9b08a0926685bdb3d1e5a66e013746ade304c398712e609b1f4eba44 
Unsubscribe .
 

https://click.afs.ameriprise.com/?qs=a8fb3b596805535d1748c0b1a65f27923ef47dbcf8c5b565687cef589aa0a299ea40af29538896f1fd5b36e8627149e0b41446942c8d50b70cb11cd64999f62d 
Customer Service |
https://click.afs.ameriprise.com/?qs=a8fb3b596805535d7fcc405e4984aaba0b44f58997ed99ac2cddc7628044786765415996657fac231da0446cb9ed4031b8495a9218d286a6f3b67b69ca74086d 
Privacy |
https://click.afs.ameriprise.com/?qs=a8fb3b596805535d9c354bcc4da398315cc587011fbfbd77e5ad20f092078271eba762a1ac2a8c8b50fb970892b9f70fa2096c5094985e96e84e97e6e4763e67 
Fraud Instructions 
 
 


Ameriprise Financial
 

 70100 Ameriprise Financial Center | Minneapolis, MN 55474
 

   
  
 
   
 
 



 The content in this publication was written exclusively for Ameriprise Financial.
 


 The views expressed by Ameriprise affiliates are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Ameriprise Financial associates or affiliates. Newsletter information and opinions from third-party sources are believed to be reliable, but accuracy and completeness cannot be guaranteed. This is not a solicitation to buy or sell the securities mentioned. Do not use this information as the sole basis for investment decisions; it is not intended as advice designed to meet the particular needs of an individual investor.
 

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.



 Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.



(c) 2024 Ameriprise Financial, Inc. All rights reserved. 


 27862_711-CACBCCPCU (12/24)

 Email sent to: danny@sterlingcal.com 



 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 

 
 

                                     

--578kO7s1GCel=_?:
Content-Type: text/html;
	charset="utf-8"
Content-Transfer-Encoding: 8bit

<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
   <head>
      <meta http-equiv="content-type" content="text/html; charset=utf-8"/>
      <meta name="viewport" content="width=device-width, user-scalable=no, initial-scale=1.0, minimum-scale=1.0, maximum-scale=1.0"/>
      <link href="https://fe31117171640478711374.pub.s11.sfmc-content.com/k1dddle1akv" rel="stylesheet" type="text/css">
      <title>Ameriprise</title>
      <style type="text/css">
         .ReadMsgBody { width: 100%; }
         .ExternalClass { width: 100%; }
         .ExternalClass * { line-height: 100%; }
         div, p, a, li, td { -webkit-text-size-adjust: none; -ms-text-size-adjust: none; }
         TD IMG { display: block; border: 0; }
         table { border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt; }
                td {
            mso-table-lspace: 0pt !important;
            mso-table-rspace: 0pt !important;
        }
         table td { border-collapse: collapse; }
         a:link { color: #000001; text-decoration: none; }
         a:active { color: #000001; text-decoration: none; }
         a:visited { color: #000001; text-decoration: none; }
         a:hover { color: #000001; text-decoration: none; }
         textarea { resize: none; }
         textarea:focus, input:focus { outline: none; }
         body { background-color: #ffffff; margin: 0;}
         .appleLinks a { color: inherit !important; text-decoration: none; }
                
         @-ms-viewport { width: device-width; }
         table th { margin:0; padding:0; font-weight:normal; vertical-align:top;}   
         .hide { max-height: 0px !important; font-size: 0 !important; display: none !important; line-height: 0 !important; mso-hide:all !important; overflow: hidden !important; visibility: hidden !important; }
         @media only screen and (max-width: 600px) {
         .container { width: 100% !important; }
         .mobile-hidden { display: none !important; }
         .photo { width: 100% !important; height: auto !important; }
         .mobile-padding { padding-right: 15px !important; padding-left: 15px !important; }
         .drop { width: 100% !important; float: left !important; }
         .center { margin: 0 auto !important; }
           .mobilepadleft0 {padding-left:0px !important;}
           .block {
             display: block !important;
             width: 100% !important;
         }
           .mobileSpacing { padding: 15px 15px 15px 15px !important; }
        }
  <!--[if mso]>   <style type="text/css">     table {border-collapse:collapse;border-spacing:0;margin:0;}     div, td {padding:0;}     div {margin:0 !important;}   </style>    <![endif]-->
  <style type="text/css">
    @media screen and (max-width: 350px) {
      .three-col .column {
        max-width: 100% !important;
      }     
    }
    @media screen and (min-width: 351px) and (max-width: 460px) {
      .three-col .column {
        max-width: 50% !important;
      }
    }
    @media screen and (max-width: 460px) {
      .two-col .column,
      .two-col img {
        max-width: 100% !important;
      }
      #button_pl {
        text-align: center;
      }
      .img-remove {
        display: none !important;
        mso-hide: all !important;
      }
    }
    @media screen and (min-width: 461px) {
      .three-col .column {
        max-width: 33.3% !important;
      }
      .two-col .column {
        max-width: 50% !important;
      }
      .sidebar .small {
        max-width: 16% !important;
      }
      .sidebar .large {
        max-width: 84% !important;
      }
    }
      </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">
.ReadMsgBody { width: 100%; }
.ExternalClass { width: 100%; }
.ExternalClass * { line-height: 100%; }
div, p, a, li, td { -webkit-text-size-adjust: none; -ms-text-size-adjust: none; }
TD IMG { display: block; border: 0; }
table { border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt; }
table td { border-collapse: collapse; }
a:link { color: #000001; text-decoration: none; }
a:active { color: #000001; text-decoration: none; }
a:visited { color: #000001; text-decoration: none; }
a:hover { color: #000001; text-decoration: none; }
textarea { resize: none; }
textarea:focus, input:focus { outline: none; }
body { background-color: #ffffff; margin: 0;}
.appleLinks a { color: inherit !important; text-decoration: none; }
@-ms-viewport { width: device-width; }
table th { margin:0; padding:0; font-weight:normal; vertical-align:top;}   
.hide { max-height: 0px !important; font-size: 0 !important; display: none !important; line-height: 0 !important; mso-hide:all !important; overflow: hidden !important; visibility: hidden !important; }
body, table, td, p, a, li, blockquote { -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; }

 /* fix for outlook.com image gaps */
 .owa div { display: block !important; }
 /******/
 #outlook a { padding:0; }
body { width:100% !important; -webkit-text-size-adjust:100%; -ms-text-size-adjust:100%; margin:0; padding:0;
  font-family: Helvetica, Arial, sans-serif; font-size: 11px; line-height: 13px; }
.ExternalClass, .ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td, .ExternalClass div { line-height: 100%; }
 
@media only screen and (max-width: 600px) {
        .container { width: 100% !important; }
        .mobile-hidden { display: none !important; }
        .photo { width: 100% !important; height: auto !important; }
        .mobile-padding { padding-right: 15px !important; padding-left: 15px !important; }
        .drop { width: 100% !important; float: left !important; }
        .center { margin: 0 auto !important; }
        .desktopHide { display: none !important}
        .mobileLeft { float:left !important; text-align: left !important; }
        .mobileShowBanner { display: inline-block !important; height: auto !important; overflow: visible !important; visibility: visible !important; max-height: none !important; width: 100% !important;font-size: 15px !important; line-height: 19px !important; color:#ffffff !important; margin-bottom:10px !important; }
        .mobilePromoButton { color:#ffffff !important;background:#00BDDD; border:6px solid #00BDDD; text-decoration:none;border-width:4px 10px; border-radius: 3px;font-family:Arial, Helvetica, sans-serif; font-size:13px !important; line-height:24px !important; height: 24px; font-weight:bold; }
  .mobileBanner { width: 280px; /*border-radius: 10px;*/ }
  .mobileBannerCopy { padding: 24px 0px;}
  .mobileBannerImage img { width: 64px!important; height: auto !important; padding-top: 10px !important;}
  .line-fix {
      line-height: 25px !important;
      padding: 0 0 0 20px !important;
  }
  .button-padding {
      padding: 0 0 25px 88px !important;
  }
  .img-remove {
    mso-hide: all !important;
  } 
   
@media only screen and (max-width: 598px) {
  .mobileWidth100Percent { width: 100% !important; height: auto !important; }
  .mobileCenter { text-align: center; margin: 0 auto; }
  .mobileWidth13Percent { width: 13% !important; height: auto !important; }
  .mobileCss {display: block}            
  .mobile320px {width:320px !important;}
  .mobileStack mobileLeft 
  .body { min-width: 100vw; /* force Gmail iOS to full-width */ }
  .mobileBlock { display: block !important; }
  .mobileScale { width: 100% !important; height: auto !important; }
  .mobileHero { display: block !important; width: 100% !important; height: auto !important; }
  .mobileBottomPadding {padding-bottom:18px !important;}
  .mobileLogo{ width:200px !important; height:auto !important; }
  .mobileHide  {display: none !important;}
  .mobile20px{width:20px !important;}
  .mobileStack { display:block !important; width: 100% !important; text-align: left !important; float: left !important;}
  .pubName{font-size: 20px !important; line-height:22px !important;}
  .mobileWidth34px {width: 34px !important;}
  .mobileHeight18px { height: 18px !important; font-size: 18px !important; line-height: 18px !important;}
  .mobileHeight20px { height: 20px !important; font-size: 20px !important; line-height: 20px !important; }
  .mobileWidth22px {width: 22px !important;}
  .mobileWidth12px {width: 12px !important;}
  .mobileWidth11Percent { width: 11% !important; height: auto !important; }
  .mobileWidth250px { width: 250px !important; height: auto !important; }
  .mobileWidth20px { width: 20px !important; }
  .mobileWidth10px { width: 10px !important; }
  .mobileHeight12px { height: 12px !important; font-size: 12px !important; line-height: 12px !important;}
  .mobilePadTopBot20px {padding: 20px 0 !important;}
  .mobilePadTop12px { padding-top: 12px !important; }
  .mobilePadBot20px{ padding-bottom: 20px !important; }
  .mobileFont20px { font-size: 20px !important; line-height: 23px !important;}
  .mobileFont21px{ font-size: 21px !important; line-height: 24px !important; }
  .mobileFont18px{ font-size: 18px !important; line-height: 21px !important; }
  .mobileFont14px{ font-size: 14px !important; line-height: 18px !important; }
  .mobileFloatNone{ float: none !important; }
  .width100 {width:100% !important;}
  .mobileShow { display: inline-block !important; height: auto !important; overflow: visible !important; visibility: visible !important; max-height: none !important; width: 100% !important;}
  .mobileArticleImage {display: block !important; width: 280px !important; height: auto !important; }
  .mobileCenter img{ text-align: center; margin: 0 auto; }
        .mobileBannerImage img { width: 64px!important; height: auto !important; }
        }
  
@media only screen and (min-width: 620px) {
        .desktopShow { display:block!important; /*no space before !important because of Yahoo bug*/ }
        .desktopHide { display:none!important; }
        .desktopDisplayInline { display: inline!important; }
        .desktopWidth360px { max-width: 360px!important; }
        .desktopWidth300px { max-width: 300px!important; }
        .desktopWidth290px { max-width: 290px!important; }
        .desktopWidth280px { max-width: 280px!important; }
        .desktopWidth240px { max-width: 240px!important; }
        .desktopWidth220px { max-width: 220px!important; }
        .desktopWidth206px { max-width: 206px!important; }
        .desktopWidth186px { max-width: 186px!important; }
        .desktopWidth180px { max-width: 180px!important; }
        .desktopWidth160px { max-width: 160px!important; }
        .desktopWidth154px { max-width: 154px!important; }
        .desktopWidth142px { max-width: 142px!important; }
        .desktopWidth130px { max-width: 130px!important; }
        .desktopWidth120px { max-width: 120px!important; }
        .desktopWidth64px { width: 64px!important; }
        .desktopWidth40px { width: 40px!important; }
        .desktopWidth20px { width: 20px!important; }
        .desktopFont36px { font-size: 36px!important; line-height: 40px!important; }
        .desktopPaddingBottom40px { padding-bottom: 40px!important; }
        .desktopPaddingBottom35px { padding-bottom: 35px!important; }
        .desktopPaddingBottom0px { padding-bottom: 0px!important; }
        .desktopPaddingTop40px { padding-top: 40px!important; }
        .desktopPaddingTop35px { padding-top: 35px!important; }
        .desktopPaddingTop30px { padding-top: 30px!important; }
        .desktopPaddingLeft40px { padding-left: 40px!important; }
        .desktopPaddingRight40px { padding-right: 40px!important; }
        .desktopPaddingRight30px { padding-right: 30px!important; }
        .desktopPaddingRight20px { padding-right: 20px!important; }
        }
  
@media only screen and (max-width: 588px) {
  *[width="620"]{ width:320px !important; }

  .mobileHide { display: none !important; }
  .mobilePadding { width:12px !important; }
  .mobileLeft { float:left !important; }
  .width100 { width:100% !important; float:left !important; }
  .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, the Lipstick Effect — explained</div>
      <img src="https://click.afs.ameriprise.com/open.aspx?ffcb10-feb81c737d630d79-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff67107475&d=110046&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 style="display: none; max-height: 0px; overflow: hidden;">
&#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp;
 &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
  &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy; &#847; &zwnj; &nbsp; &#8199; &shy;
</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">
<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">
        <!--Practice Branding-->
        <!--PWA Team Logo--><a href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d7a8c093cd7c64ea134f0900c82ac2c9c31146f121204b3a139815fdf3b48d0b00d0eb5c68f34207390078afd9f66de53396a857b152e3757" ><img width="200" height="" style="display: block;" alt="PWA Team Logo" src="https://image.afs.ameriprise.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 Team Logo End-->
        <!--Practice Logo-->
        <!--Practice Branding End-->
        <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">December 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=a8fb3b596805535d47c014838be692ac537daa055e970e7ab9b8176b2459ad941342b853db65fa24e004b1692920579377d19e041b6bf1c3c728106eca486436" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/2a09bdf6-1210-49f6-8754-f99a7291e883.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;">Will a recession follow interest rate cuts?</p>
                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">When the Fed has lowered interest rates in the past, recessions tended to emerge not long after. Will history repeat itself this time?</p>
                <p style="margin:0;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;" align="center"> 
                  
<a href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d47c014838be692ac537daa055e970e7ab9b8176b2459ad941342b853db65fa24e004b1692920579377d19e041b6bf1c3c728106eca486436"  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;">Find out</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><br><br><br><![endif]--> 
                  </a> 
                </p>
              </div>
            </div>
            <!--[if mso]> </td> </tr> </table> <![endif]--> 
          </div>
          <div class="spacer" style="line-height:24px;                                      height:24px;                                      mso-line-height-rule:exactly;">&nbsp;&nbsp; 
          </div>
          <div class="two-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:50%; padding:0px;"  valign="middle"> <![endif]-->
            <div class="column" style="width:100%;                                        max-width:300px;                                        display:inline-block;                                        vertical-align:middle;">
              <div style="padding:0px;">
                <p style="margin:0;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;                           font-size:14px;                           line-height:18px;"> 
                  <a href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535dcbc9ee3bf41c36de5221ffd6f98e54f871a4e08b6413a7441496b51aad256144016fce38782c2cdcd412c70418202306b3fa3e7898b30de9" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/7a97d514-0551-40f4-97d3-7c83862f128d.jpg" width="300" alt="Article 2 Image" style="display:inline-block;                     width:100%;                     height:auto;                     max-width:300px;"> </a>
                </p>
              </div>
            </div>
            <!--[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;">
              <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;">2024 stock market reflections</p>
                <p style="margin-top:0;                           margin-bottom:24px;                           font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">It’s been a year of strong gains for the stock market. What may 2024 developments tell us about 2025?</p>
                <p id="button_pl" style="margin:0;                                          font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;"> 
                  
<a href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535dcbc9ee3bf41c36de5221ffd6f98e54f871a4e08b6413a7441496b51aad256144016fce38782c2cdcd412c70418202306b3fa3e7898b30de9"  style="background: #f5f5f5;                                                                                                          border: 2px solid #007886;                                                                                                          text-decoration: none;                                                                                                          padding: 7px 40px;                                                                                                          color: #007886;                                                                                                          border-radius: 0px;                                                                                
                          display:inline-block;                                                                                                         mso-padding-alt:0;                                                                                                         mso-table-lspace:0;                                                                                                         mso-table-rspace:0;                                                                                                         text-underline-color:#ffffff"> 
                    <!--[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;">Look back</span><!--[if mso]><i style="letter-spacing: 25px;mso-font-width:-100%" hidden>&nbsp;</i><![endif]--> 
                  </a> 
                </p>
              </div>
            </div>
            <!--[if mso]> </td> </tr> </table> <![endif]--> 
          </div>
          <div class="spacer" style="line-height:24px;                                      height:24px;                                      mso-line-height-rule:exactly;">&nbsp; 
          </div>
          <div class="two-col" style="text-align:center;                                       font-size:0;                                       background-color:#f5f5f5;                                       ">
            <table cellpadding="0" cellspacing="0" width="100%">
              <tr>
                <td bgcolor="#f5f5f5">
                  <!--[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]-->
                  <!--[if mso 16]><table cellpadding="0" cellspacing="0" width="300" align="right"><tr><td><![endif]-->
                  <table cellpadding="0" cellspacing="0" width="100%" style="width: 100%; max-width: 300px;" align="right" class="column" bgcolor="#f5f5f5">
                    <tr>
                      <td align="center">
                        <a href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d3047ff8dddef3c4f68d3834a0c6ce536651f38306fc625058c84e26158bb5345bbf068586bcf4e4a8af2d92098cab5ab3798f53bc0e9e665" ><img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/dea8401f-8dbb-4214-b3df-c66247f03733.jpg" width="300" alt="Article 3 Image" style="display:inline-block;width:100%;height:auto; max-width:300px;" border="0"></a>
                      </td>
                    </tr>
                  </table>
                  <!--[if mso 16]></td></tr></table><table cellpadding="0" cellspacing="0" width="280" align="left"><tr><td><![endif]-->
                  <table cellpadding="0" cellspacing="0" width="100%" style="width: 100%; max-width: 280px;" align="left" class="column" bgcolor="#f5f5f5">
                    <tr>
                      <td align="center">
                        <table cellpadding="0" cellspacing="0" border="0" width="100%">
                          <tr>
                            <td align="left" style="padding: 20px 20px 20px 20px; font-size:14px;line-height:18px;text-align:left;" class="mobilePadTop12px">
                              <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;">The Lipstick Effect, explained</p>
                              <p style="margin-top:0;                                         margin-bottom:24px;                                         font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;">Why this theory may account for strong consumer spending this holiday season — despite fatigue around high prices.</p>
                              <p id="button_pl" style="margin:0;                                                        font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif;"> 
                                
<a href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d3047ff8dddef3c4f68d3834a0c6ce536651f38306fc625058c84e26158bb5345bbf068586bcf4e4a8af2d92098cab5ab3798f53bc0e9e665"  style="background: #f5f5f5;                                                                                                                              border: 2px solid #007886;                                                                                                                              text-decoration: none;                                                                                                                              padding: 7px 40px;                                                                                                                              color: #007886;                                                                                                                             
 border-radius: 0px;                                                                                                                              display:inline-block;                                                                                                                             mso-padding-alt:0;                                                                                                                             text-underline-color:#ffffff"> 
                                  <!--[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]--> 
                                </a> 
                              </p>
                            </td>
                          </tr>
                        </table>
                      </td>
                    </tr>
                  </table>
                  <!--[if mso 16]></td></tr></table><![endif]-->
                  <!--[if mso]> </td></tr></table> <![endif]-->
                </td>
              </tr>
            </table>
          </div>
          <div class="spacer" style="line-height:24px;                                      height:24px;                                      mso-line-height-rule:exactly;">&nbsp; 
          </div>
          <!--[if mso]> </td> </tr> </table> <![endif]--> 
        </div>
      </td>
    </tr>
  </table>
</div>
<!--End Prospect body--> </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 version -->
<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">
      <table border="0" cellpadding="20" cellspacing="20" class="dashedBorder" width="100%" style="padding-top:20px; padding-bottom: 35px; padding-left:50px; padding-right:50px;">
        <tr>
          <td align="center" bgcolor="#ffffff" valign="top">
            <table border="0" cellpadding="0" cellspacing="0" class="container" style="width: 600px" width="600">
              <tr>
                <td bgcolor="#3fa39a" valign="top" width="521" height="181">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
                    <tr>
                      <td class="block" style="width: 130px" align="left" valign="top">
                        <img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/7e572e38-2091-47b9-8962-4d1f20b5b774.png" width="150" alt="Video Image" border="0" style="display: block;">
                      </td>
                      <td class="block" style="width: 421px; color: white; font-family:'Times New Roman', Times, serif;" align="left" valign="top">
                        <table border="0" cellpadding="0" cellspacing="0" width="100%">
                          <tr>
                          <td style="padding: 25px 10px 0 0;            mso-padding-alt: 30px 10px 0 0">
                              <p class="line-fix" style="margin: 0; padding: 0; font-size: 24px;color: rgb(255, 255, 255);font-family: 'PublicoHeadlineRoman', 'Times New Roman', Times, serif; line-height: 25px">Will the 2024 <i> market momentum </i>carry into 2025?<br></p>
                        <a style="color: rgb(255, 255, 255); text-decoration: none;" href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d5857b5a3ff719f8510c7ed4d18c2a818f67643e6e2d405ee33be44d01aa34b66ac2f73f516bf130080c0595b3526502ac443393ce3615fa2"  target="_blank">&nbsp;</a>
                            <br>
                            <br>
                        <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=5b9fb3880e0a33aff9ca183e524a5c1c0316b851&CID=MOD_ME_1224_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]-->
                        <a href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125db186935a5b720d86c69284dcd9bd543201ca9a5962948f6e3dad1123cc2b679cc3beda844c0bd872835b32dacf7555ddf8f3796a56f7335a" style="border:2px solid #ffffff; width: 137px; padding: 7px;color:#ffffff;mso-line-height-rule: exactly; line-height: 17px;display:block;font-family:sans-serif;font-size:13px;text-align:center;text-decoration:none;-webkit-text-size-adjust:none;mso-hide:all;">Watch the video</a>
                        </div>
                            </td>
                          </tr>
                        </table>
                        
                      </td>
                    </tr>
                  </table>
                </td>
              </tr>
            </table>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!-- end prospect version -->

</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">
<!--start advisor to client section--><div style="height: 30px; font-size: 30px; mso-line-height-rule: exactly; line-height: 30px;">
</div> 
<table border="0" cellpadding="0" cellspacing="0" width="100%">
  <tr>
    <td align="center">
      <table border="0" cellpadding="0" cellspacing="0" class="mobileWidth100Percent" style="width: 600px; margin: 0 auto;" width="600">
        <tr>
          <td class="mobileWidth34px" style="width: 28px;" width="28">
          </td>
          <td align="left" style="font-family: 'Publico Headline Roman', 'Times New Roman', Times, serif; font-size: 20px; mso-line-height-rule: exactly; line-height: 22px; color: #003d6d; padding: 16px 0;">
            Connect with me
          </td>
          <td class="mobileWidth22px" style="width: 28px;" width="28">
          </td>
        </tr>
        <tr>
          <td class="mobileWidth34px" style="width: 28px;" width="28">
            &nbsp;
          </td>
          <td>
            <table border="0" cellpadding="0" cellspacing="0" width="100%">
              <tr>
                <th class="mobileStack" style="width: 100px; font-weight: normal; text-align: left; vertical-align: top;" valign="top">
                  <img alt="Advisor photo" border="0" src="https://cdn.ameriprisecontent.com/cds/alwp/advisor/scott.durrett/scott-durrett_68cb9_227x235.jpg" style="display: block;" width="100">
                </th>
                <th class="mobileHide" style="width: 14px; font-weight: normal; text-align: left;" width="14">
                </th>
                <th class="mobileStack mobilePadTop12px" style="width: 270px; font-weight: normal; text-align: left; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #4d4e53; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; vertical-align: top;" valign="top" width="270">
                  <div style="font-family: 'PublicoHeadlineRoman', 'Times New Roman', Times, serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; mso-line-height-alt: 23px;">
                    Scott Durrett </div>
                  <div style="padding: 10px 0px 0px 0px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
                  </div>
                  <div style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
                     Financial Advisor</div> <div style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
                   Associate Vice President</div> <div style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size:13px; line-height: 17px;">
                   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">
                </th>
                <th class="mobileStack mobilePadTop12px" style="width: 140px; font-weight: normal; text-align: left; vertical-align: top;" valign="top" width="140">
                  <table border="0" cellpadding="0" cellspacing="0">
                    <tr>
                      <td>
                        <table border="0" cellpadding="0" cellspacing="0">
                          <tr>
                            <td align="center" valign="middle" width="25">
                              <img alt="phone image" border="0" data-assetid="18080" height="23" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/2652932a-1f16-4f91-a94f-d4b09b8584b9.png" style="display: block; padding: 0px; text-align: center; height: 23px; width: 25px;" width="25">
                            </td>
                            <td width="6">
                              &nbsp;
                            </td>
                            <td style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; color: #4d4e53;" valign="middle">
                              562.308.4526</td>
                          </tr>
                        </table>
                      </td>
                    </tr>
                    <tr>
                      <td height="6" style="font-size: 6px; mso-line-height-rule: exactly; line-height: 6px;">
                        &nbsp;
                      </td>
                    </tr>
                    <tr>
                      <td>
                        <table border="0" cellpadding="0" cellspacing="0">
                          <tr>
                            <td align="center" valign="middle" width="25">
                              <a alias="Advisor Email" conversion="false" data-linkto="mailto:" href="mailto:scott.durrett@ampf.com" style="color: #4d4e53; text-decoration: none;" title=""><img alt="Email" data-assetid="18085" height="23" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/bfa9599e-45b0-4552-94f1-5c73b9b5dc39.png" style="display: block; padding: 0px; text-align: center; height: 23px; width: 25px;" width="25"></a>
                            </td>
                            <td width="6">
                              &nbsp;
                            </td>
                            <td style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; color: #4d4e53;" valign="middle">
                              <a alias="Advisor Email Label" href="mailto:scott.durrett@ampf.com" style="color: #4d4e53; text-decoration: none;">Email me</a>
                            </td>
                          </tr>
                        </table>
                      </td>
                    </tr>
                    <tr>
                      <td height="6" style="font-size: 6px; mso-line-height-rule: exactly; line-height: 6px;">
                        &nbsp;
                      </td>
                    </tr>
                    <tr>
                      <td>
                        <table border="0" cellpadding="0" cellspacing="0">
                          <tr>
                            <td align="center" valign="middle" width="25">
                              <a   data-linkto="other" href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d2a7e89d332a7e7f3570b6190858af851ab7fd4fd6c2f330fd923ec843d4e5876e54d663fd46cfa603a51fb51c9da74418b1fb01d6ac0b684" style="color: #4d4e53; text-decoration: none;" target="_blank" title=""><img alt="Advisor Website" data-assetid="18081" height="23" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/32c53f38-5a91-4f51-8427-f3ed24eab13a.png" style="display: block; padding: 0px; text-align: center; height: 23px; width: 25px;" width="25"></a>
                            </td>
                            <td width="6">
                              &nbsp;
                            </td>
                            <td style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; color: #4d4e53;" valign="middle">
                              <a  href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d1365a1a5a38cb2155c0fd523891a0fe30c965a2549f1c5a169c4c2c15153c3773164802270d105e4d69f26eb3ac591f74647434e78a29144" style="color: #4d4e53; text-decoration: none;" target="_blank">Visit my site</a>
                            </td>
                          </tr>
                        </table>
                      </td>
                    </tr>
                    <tr>
                      <td height="6" style="font-size: 6px; mso-line-height-rule: exactly; line-height: 6px;">
                        &nbsp;
                      </td>
                    </tr>
                    <tr>
                    <td>
                      <table border="0" cellpadding="0" cellspacing="0">
                        <tr>
                          <td align="center" valign="middle" width="25">
                            <a   data-linkto="other" href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125de86f45f2c7cbc3238fc32b7be26d6e938dbb6f986e2b1f9c1be46e15b98a9e3595345e3876bd66b5f362069e79c3b1734920759fe62f9a0b" style="color: #4d4e53; text-decoration: none;" target="_blank" title=""><img alt="location image" data-assetid="18081" height="23" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/468d6336-ca44-4a3d-b8af-97d81e7a4add.png" style="display: block; padding: 0px; text-align: center; height: 23px; width: 25px;" width="25"></a>
                          </td>
                          <td width="6">
                            &nbsp;
                          </td>
                          <td style="font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; color: #4d4e53;" valign="middle">
                            <a  href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125de86f45f2c7cbc3238fc32b7be26d6e938dbb6f986e2b1f9c1be46e15b98a9e3595345e3876bd66b5f362069e79c3b1734920759fe62f9a0b" style="color: #4d4e53; text-decoration: none;" target="_blank">Office Locations</a>
                          </td>
                        </tr>
                      </table>
                    </td>
                  </tr>
                    <tr>
                      <td height="6" style="font-size: 6px; mso-line-height-rule: exactly; line-height: 6px;">
                        &nbsp;
                      </td>
                    </tr>
                  </table>
                  <div style="height: 10px; font-size: 10px; mso-line-height-rule: exactly; line-height: 10px;">
                    &nbsp;
                  </div>
                  <table border="0" cellpadding="0" cellspacing="0">
                    <tr>
                      <td>
                        </a>
                      </td>
                      <td width="8">
                        &nbsp;
                      </td>
                      <td>
                        <a  href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d402fc7ed440bb42de51baa08861e51f3c0f4a18379e8bd34cfc3755096a9f57187ead8089eebe5c7010d9d1c40744def0121a0421d7214c6" target="_blank"><img alt="LinkedIn image" border="0" height="18" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/ccc26ae7-fc1e-4b99-a1a7-635f4e751378.gif" style="display: block;" width="18"></a>
                      </td>
                      <td width="8">
                        &nbsp;
                      </td>
                      <td>
                        </a>
                      </td>
                    </tr>
                  </table>
                </th>
              </tr>
              <tr>
                <th class="mobileStack" style="width: 100px; font-weight: normal; text-align: left; vertical-align: top;" valign="top">
                </th>
                <th class="mobileHide" style="width: 14px; font-weight: normal; text-align: left;" width="14">
                </th>
                <th class="mobileStack mobilePadTop12px" style="width: 270px; font-weight: normal; text-align: left; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #4d4e53; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; vertical-align: top;" valign="top" width="270">
                </th>
                <th class="mobileHide" style="width: 20px; font-weight: normal; text-align: left;" width="20">
                </th>
                <th class="mobileStack mobilePadTop12px" style="width: 140px; font-weight: normal; text-align: left; vertical-align: top;" valign="top" width="140">
                </th>
              </tr>
            </table>
          </td>
          <td class="mobileWidth22px" style="width: 28px;" width="28">
            &nbsp;
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--end advisor to prospect-->
<!--end profile--></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="background-color: transparent; min-width: 100%; " class="stylingblock-content-wrapper"><tr><td style="padding: 0px; " class="stylingblock-content-wrapper camarker-inner"><!--Advisor Contact Block Footer Start--><a   data-linkto="https://" href="https://click.afs.ameriprise.com/?qs=2ff3fa60e5da125d71b759337449f73017021d7e3d8f234000e35f75c1e03a07df9933c88c6bdc0f2f0d271aed6ef7c3cbd235d15c83886a9291c4430ee4fea3" title="">
<img align="right" alt="Ameriprise Financial" data-assetid="3053" height="40" src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/531bdd57-4984-44c9-9ed9-6c41dac8543d.png" style="padding: 20px; text-align: left; height: 40px; width: 120px; border: 0px; display:block;" width="120"></a><table align="center" border="0" cellpadding="0" cellspacing="0" style="max-width: 600px;" width="100%">
 
  <tr>
   <td class="desktopPaddingRight40px desktopPaddingLeft40px" style="padding: 20px 20px 20px; width: 20px;">
    <table border="0" cellpadding="0" cellspacing="0" style="max-width: 540px;" width="100%">
     
      <tr>
       <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 12px; max-width: 600px; mso-line-height-rule: exactly;" width="100%">
        <table align="center" bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" style="margin:0px auto;max-width:620px;" width="100%">
         
          <tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
            Scott Durrett</td></tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
            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>
           <td>
            &nbsp;</td></tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
               2029 Century Park E Ste 2550<br>
             Los Angeles, California 90067-2936<br>
            </td></tr><tr>
           <td>
            &nbsp;</td></tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
             Office Phone: 562.308.4526<br>
              Email: scott.durrett@ampf.com<br>
              Website: https://www.ameripriseadvisors.com/scott.durrett </td></tr><tr>
          </tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
           </td></tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
            AR License # 17721044<br>
             CA Insurance # 0K48038<br>
            <br>
            &nbsp;</td></tr><tr>
           <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: FranklinGothicBook, Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;" width="100%">
           </td></tr></table></td></tr></table></td></tr></table><!--Advisor Contact Block Footer End--></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"><!--Type of Send Markets and Economy Newsletter-->
<!--Start Email Disclosures-->

      <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
        <tr>
          <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 12px; max-width: 600px; mso-line-height-rule: exactly;" width="100%">
            <!--Client Unsubscribe--> This email is an advertisement.
            <br>
            <br>
            To stop receiving emails from Ameriprise, please click on 
            <a  href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535dc8f3890d3d6b26a44e3f67e9d36d8348523b2e9a55841c3bf299d320ddc936d0889f9b7fbc828602fd2ad2170975579442f77b35c0f24365" style="color: rgb(77, 78, 83); text-decoration: underline;" target="_blank">Unsubscribe</a>.
            <br>
            <br>
            <a  class="desktopDisplayInline" href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d0008d7f4354c05b7bc4a5fdd50aa07905001e19cd4a9eb20753b0de3309b45f91abdd080191615e25a32924be59e2a97cac2b887b3b444b0" style="padding: 4px 0px; color: rgb(77, 78, 83); text-decoration: underline; display: block;" target="_blank">Customer Service</a> 
            <!--[if mso]><!--> 
            <span class="desktopDisplayInline" style="display: none;">|</span> 
            <!--<![endif]--> 
            <!--[if (gte mso 12)|(IE)]> | <![endif]--> 
            <a  class="desktopDisplayInline" href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d6fadfef0c67afeda9d52fe925ff72aad458f370e7af3a878d50d25640ebfe00548270051795642255467715be6f0ed39bc44ebddcd706bae" style="padding: 4px 0px; color: rgb(77, 78, 83); text-decoration: underline; display: block;" target="_blank">Privacy</a> 
            <!--[if mso]><!--> 
            <span class="desktopDisplayInline" style="display: none;">|</span> 
            <!--<![endif]--> 
            <!--[if (gte mso 12)|(IE)]> | <![endif]--> 
            <a  class="desktopDisplayInline" href="https://click.afs.ameriprise.com/?qs=a8fb3b596805535d719db21eeb95e29fb1b2713cd100c4feef3e0487cd089d79da249b4cfdf2313d63960cad9ba08a9ba8805b2e89cec5bf5ebadfb854656e9d" style="padding: 4px 0px; color: rgb(77, 78, 83); text-decoration: underline; display: block;" target="_blank">Fraud Instructions</a>
            
          </td>
        </tr>
        <tr>
          <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 12px; max-width: 600px; mso-line-height-rule: exactly;" width="100%">
            <div style="height: 12px; line-height: 24px; font-size: 24px; mso-line-height-rule: exactly;">
              &nbsp;
            </div> Ameriprise Financial
            <br>
            70100 Ameriprise Financial Center | Minneapolis, MN 55474
            <br>
            <br>
            <!--Variable Practice Disclosures Start--> 
            <!--CKA Disclosure Start-->   
            <!--CKA Disclosure End--> 
            <!--CMFA Disclosure Start-->   
            <!--CMFA Disclosure End--> 
            <!--CFP Disclosure Starts-->  
            <!--CFP Disclosure End--> 
            <!--Compass Disclosure Start-->    
            <!--Compass Disclosure End--> 
            <!--Franchise Disclosure Start-->  
            <!--Franchise Disclosure End--> 
            <!--Associate Advisor Disclosure Start-->  
            <!--Associate Advisor Disclosure End--> 
            <!--Bank Channel Disclosure Start-->  
            <!--Bank Channel Disclosure End--> 
            <!--Variable Practice Disclosures End-->
            <!--End Email Disclosure-->
          </td>
        </tr>
      </table>
    
  
</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"><!--Type of Send = From My/Our Practice Newsletter Disclosures-->

<table border="0" cellpadding="0" cellspacing="0" class="mobileWidth100Percent" style="margin:0px auto;width:600px;" width="600">
  <tr>
    <td class="desktopPaddingRight40px desktopPaddingLeft40px" style="padding: 0px 0px 0px; width: 20px;">
      <table border="0" cellpadding="0" cellspacing="0" style="max-width: 540px;" width="100%">
        <tr>
          <td align="left" style="color: rgb(77, 78, 83); line-height: 22px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 12px; max-width: 600px; mso-line-height-rule: exactly;" width="100%">
            <!--[if mso]><!--> 
            <!--<![endif]--> 
            <!--[if (gte mso 12)|(IE)]> <![endif]--> 
            <!--[if mso]><!--> 
            <!--<![endif]--> 
            <!--[if (gte mso 12)|(IE)]> <![endif]-->
<!--Start Additional Disclosures-->
            The content in this publication was written exclusively for Ameriprise Financial.
            <br>
            <br>
            The views expressed by Ameriprise affiliates are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Ameriprise Financial associates or affiliates. Newsletter information and opinions from third-party sources are believed to be reliable, but accuracy and completeness cannot be guaranteed. This is not a solicitation to buy or sell the securities mentioned. Do not use this information as the sole basis for investment decisions; it is not intended as advice designed to meet the particular needs of an individual investor.
            <br>
            <br>                    
            <strong>Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.</strong>
<!--End Additional Disclosures-->
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table></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"><!--Type of Send = ADVISOR PRACTICES -->
<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
<tr>
<td style=" color: rgb(77, 78, 83); line-height: 22px; font-family: 'FranklinGothicBook', Arial, Helvetica, sans-serif; font-size: 12px; mso-line-height-rule: exactly;">       
<br>
              Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
<br>
<br>
&copy; 2024 Ameriprise Financial, Inc. All rights reserved.  
<br>
<br>
<span style="white-space: nowrap;"> 27862_711-<span id="RecipVer"><!---->P<!----> (12/24)<br>
              Email sent to: danny@sterlingcal.com   
<!--end standard global footer--> </span></span> 
</td>
</tr>
</table></td></tr></table>
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr>
                    <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </td>
                     </tr><tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
                        </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"></td></tr></table>
                           
                        </td>
                     </tr>
                  </table>
               </div>
            </td>
         </tr>
      </table>
      <!--Inserted to Prevent Gmail Font Resizing//--> 
      <div style="letter-spacing: 626px; line-height: 0; mso-hide: all" class="mobile-hidden">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</div>
      <!--//Inserted to Prevent Gmail Font Resizing-->
   </body>
</html>

--578kO7s1GCel=_?:--