"Baby boomers, who are
starting to turn 60 this year, are probably well aware of the financial
challenges that lay ahead, but few may realize what they will experience
emotionally. The most commonly cited triggers for retirement readiness
were achieving "financial freedom" (18 percent) or a significant birthday
(16 percent).ameriprise. Reflecting the
rising age of the baby boomers, the Bureau of Labor Statistics reports that by
the year 2014 the number of people in the labor force ages 55 to 64 will
increase by seven million.harrisinteractive.

kidshealth bullies

Stage 2: Anticipation (5 years prior to retirement) - As retirement draws
closer, positive emotions are on the rise with 80 percent saying that
they "will be able to achieve their dreams in retirement. The U. Their
emotions were measured using the Ayer Emotional Battery (AEB), which
captures the feelings of participants as they listen to or view
advertising or communications.
Church-going viewers viewed the address more positively than their
non-church-going peers and as expected, self-reported political
conservatives were more positively predisposed to the messages than
their liberal colleagues.

stereotypes kidshealth

"
Working with Harris Interactive, a leading market research firm, The New
Retirement Mindscape study was fielded to more than 2,000 Americans ages 40-75
and revealed the following five stages of progression into retirement:

Stage 1: Imagination (15 - 6 years prior to retirement) - Retirement is
still years away, but during the Imagination stage, people have very
positive views about retirement, although only 44 percent say they are
"on track" in terms of preparation."
The New Retirement Mindscape study also revealed that having "more control
over their own time " was the best thing about retirement for 44 percent of
retirees, followed by 23 percent saying "the opportunity to relax" was what
they enjoyed most.
Harris Interactive fielded "The New Retirement Mindscape" via a telephone
survey in August 2005 to 2,000 adults age 40 to 75 with a margin of error of
the overall sample of +/- 2. The number of people in the labor force age 65 and
older will increase seven times as fast as the total labor force due, in part,
to workers postponing retirement .com.

peacefully tweens

net

The Disappearing Girl: Learning the Language of Teenage Depression is
available at bookstores nationwide.3 workers for each
beneficiary.

About Harris Interactive
Harris Interactive Inc.
The national e-survey was conducted by HCD Research on February 3,
among a nationally representative sample of 1,041 Americans, nearly
half of which reported watching the speech on television.

worrying kidshealth

"Beyond
learning the risks, signals and symptoms of depression and addressing them
head-on, parents must also learn how to help their daughters navigate and
think critically about the images, the messages, and the unspoken rules of
today's adolescence.
The book includes the Emotional First Aid Kit-strategies for self-expression
and coping."
Ameriprise Financial CEO Jim Cracchiolo said, "We have over 10,000
financial advisors across the country who help people prepare financially for
what's next in their lives.
Cracchiolo added, "One insight from the survey was that some of the most
successful retirees were also the ones who had done financial planning along
the way. But for boomers it
is a valuable lesson that some amount of advanced planning can help prepare
them for a more rewarding retirement. Further information can be obtained at
http: //www.ameriprise.

tweens worrying

"Because hope is still alive, this age is a prime time for
intervention," says Machoian . Census Bureau estimates over 78 million baby
boomers alive today with women making up a slightly larger percentage of the
population than men (50.

In this study, frequent attendees to worship services indicated:

Competent, Confident
In Control, Proud 24%

Not Bored, Attentive 16%

Those who attended services less frequently reported both negative
and positive emotions including:

Suspicious, Skeptical 19%

Competent , Confident
In Control, Proud 16%

Not Bored, Attentive 16%

Disgusted, Irritated Enraged
and Contemptuous 15%

Not surprisingly , self reported political conservatives reported
emotions like competent, confident in control, proud and not bored,
attentive (each 29%), benefited, enlightened (14%).

uncomfortable kidshealth

95.
People have come to terms with all that retirement has to offer. The Dream Book encourages and helps people to envision how they
want to spend their retirement years from a lifestyle and emotional
perspective before crunching the numbers.

unseasonable cubby

MINNEAPOLIS, Ameriprise Financial
(NYSE: AMP) today released the findings of the The New Retirement
Mindscape(SM), the first study to explore people's attitudes, worries,
behaviors, ambitions and needs before and after retirement.S. Census Bureau estimates that baby boomers will turn 60 at the rate of
over 7,900 every day and 330 every hour.-based global research company
that blends premier strategic consulting with innovative and efficient methods
of investigation , analysis and application., its affiliated broker-dealer with a nationwide
network of more than 10 ,000 financial advisors, Ameriprise Financial delivers
solutions to clients through a comprehensive and personalized financial
planning approach built on a long-term relationship with a knowledgeable
advisor.J.net

wellbeing psychiatrist

Girls' depression is not just moods but also about thinking. "It clearly hits the
mark with boomers who are a different breed who will settle for nothing less
than this type of individualized financial life planning. Another 17 percent said the best thing about retirement was
"having the chance to reinvent their life. In 2006 the
U.1 workers for each
Social Security beneficiary; currently, there are 3.Y.
The AEB was developed by the former NW Ayer Advertising agency in
the 1980s to understand the emotional impact of effective advertising.

girlzone tweens

Ayer validated the elements with a nationally representative sample
using 45 separate advertisements.

bullies stereotypes

" But, similar to a
honeymoon, the feeling of liberation is short-lived, as a new reality
soon begins to set in.
Financial advisory services and investments offered through Ameriprise
Financial Services, Inc.

Business Editors

FLEMINGTON, N.
For more information or to schedule an interview with Glenn
Kessler, Co-Founder and Managing Partner, HCD Research, please contact
Vince McGourty, M+M Communications, Inc.

anxious tweens

The book provides parents, teachers, and girls with ways to build healthy
self-esteem, start meaningful conversations and to de-stress. By 2031, all baby boomers will be over age
65 and have access to Social Security benefits.agewave.
Responders were asked to choose from a list of emotions and
indicate the one description that best reflected their feeling when
viewing the speech.

The focus of 'emotional health and wellbeing' is the health of the mind, including talking about feelings, coping with problems, dealing with stress, recognizing and coping with mental illnesses, getting help from counselors and therapists, and other aspects of mental health that help kids and teens to understand and regulate their positive and negative emotions.

tweens tempers

According to Machoian, by talking about what girls will encounter in the
world and the meaning it has to them , by raising their awareness of gender
roles, parents can help girls survive their preadolescent and teenage years.

Stage 4: Reorientation (2-15 years after retirement) - During the
Reorientation stage, many say the joy of retirement has passed, giving
way to feelings of emptiness (49 percent), worry (38 percent) and boredom
(34 percent).

One group of retirees referred to as Empowered Reinventors stands out as
role models and may be the first glimpse of how many baby boomers will
reinvent retirement. In this year, the Social
Security Administration estimates that there will be 2. Member NASD and SIPC, an Ameriprise Financial
company. The emotions selected most frequently were:

Male Female
Competent , Confident
In Control, Proud 22% 19%

Not Bored,
Attentive 18% 14%

Suspicious,
Skeptical 14% 16%

The emotions differed based on religion. While 21% of both
Catholics and Protestants felt competent, confident, in control and
proud, 15% of Catholics were disgusted, irritated enraged and
contemptuous, and 17% of Protestants were suspicious and skeptical ., at 908-638-5555 or
vinmcg@earthlink.

headroom bullying

In her new book, The Disappearing Girl: Learning the Language of Teenage
Depression (Dutton Books/$24."
A prominent finding in her research is the fact that, even in the midst of
depression, adolescents have hope inside them-hope of getting help and being
their real self.
Lisa Machoian or to request a copy of The Disappearing Girl: Learning the
Language of Teenage Depression contact Rose Carrano 646-638-2181 (NYC) or
rosecarrano@earthlink ."
To help people navigate the retirement mindscape to their greatest
advantage, Ameriprise Financial has created The Dream Book(SM), a powerful new
guide to help people identify their priorities , values and dreams for
retirement. In 2030, there is projected to be
over 57 million baby boomers between the ages of 66 to 84. For more information, visit
http://www.

feelings unhealthy

"The Dream Book approach to retirement planning, which poses
thought-provoking questions such as -- what you still want to achieve, who you
want to spend more time with, what you're most passionate about and how you
want to make your lasting mark -- is unlike any other I've seen in the
financial services industry," according to Dychtwald. Dychtwald is a psychologist,
gerontologist, entrepreneur, public speaker and the author of 11 books on
aging and related issues, including his most recent book, The Power Years, A
Users Guide to the Rest of Your Life.----Results of a
national study conducted the day after the President 's State of the
Union Address reveal a wide range in the emotional response among
Americans, from pride and confidence, to skepticism and anger.
As in earlier studies, there is an apparent correlation between
frequency of attendance of worship services and support of specific
candidates.

shyness bullying

For more information about "The New Retirement Mindscape" study and The
Dream Book, visit http: //www.com.
HCD Research conducted non-partisan studies and advertising
research throughout the 2004 Presidential election to measure voter
reactions to the candidates' advertisements.

shyness nightmares

, Can you distinguish behavior
that suggests a girl is in trouble from typical teen angst or attitude? Is
your teenage daughter at risk for depression? One in four are, and you might
not know it. She maps out a plan for parents that will assist them in learning how
to prevent, identify, and, most importantly , help girls with these issues.

The New Retirement Mindscape(SM) Ameriprise Financial Goes 'Beyond the Numbers' to Map the Emotional Stages of Retirement

, a leading authority on baby boomers, the study
uncovered five distinct and predictable stages of retirement: 1) Imagination,
2) Anticipation , 3) Liberation, 4) Reorientation and 5) Reconciliation. But the unforeseen loss in
retirement was the loss of social connections at work (22 percent).2 percent respectively).
Headquartered in Flemington , New Jersey, HCD Research is a pioneer
in Internet health care marketing and advertising research .

worrying tempers

The
insights developed in this research will help us to better serve our clients
and to continue to develop the right financial products and services for this
generation. In this stage , people have high
expectations of adventure (65 percent) and empowerment (53 percent) for
retirement.8 percent and 49.

feelings cubby

A key part of this market is the boomers, who are
now beginning to give serious thought to their upcoming retirement. Four distinct profiles emerged in
the Reorientation stage: Empowered Reinventors (19 percent), Carefree
Contents (19 percent), Uncertain Searchers (22 percent) and Worried
Strugglers (40 percent). For more information, visit
http: //www.

National Poll Reveals State of the Union Address Elicits Wide Range of Emotion among Americans

worrying headspace

Female Teen Depression Can Be Prevented and Helped if Parents Know Red Flags; Guidance on What to Look for and What to Do is Key.

CAMBRIDGE, Mass. This group, which was the most proactive about retirement
planning, is most apt to view retirement as a time of new adventure (70
percent) and empowerment (56 percent), with almost half (43 percent) saying
doing more meaningful or satisfying work is very important to them. Through Ameriprise
Financial Services, Inc. The company specializes in meeting the retirement-related financial
needs of the mass affluent.

unhealthy bullies

There are wide ranging issues parents must face that include: sexual
escapades (such as friends with benefits), low self -esteem, bullying, drugs,
break-ups, eating disorders and depression. Working with Age
Wave and Ken Dychtwald, Ph. This is the point in the progression where an emotional
let-down may occur to varying degrees. To us that certainly isn't a surprising finding.com

About Baby Boomers
The term "baby boomer" describes the generation of Americans born between
the years 1946 to 1964.

peacefully headroom

Harvard researcher and adolescent psychotherapist, Dr. Incredibly, we have discovered that retirement is a complex
process made up of distinct emotional stages, similar to other well-known life
transitions, such as pregnancy or grieving and loss." However, in
the two years prior to retirement, worries and anxiety mount with 22
percent saying that they will feel a sense of loss after their working
years are over.2 percent at the 95 percent confidence level., the 15th largest and fastest-growing market
research firm in the world, is a Rochester, N. The agency subsequently granted
rights to the measurement tool for research outside the firm.

unseasonable nightmares

NOTE TO EDITORS: For more information, to schedule an interview with Dr.
"Up until now, no one has so thoroughly investigated the mindscape of
retirement," said Ken Dychtwald, CEO of Age Wave."
When asked what was the hardest thing they experienced in retirement,
respondents not surprisingly expressed concerns over health insurance (24
percent) and loss of income (24 percent).S.
Self reported liberals indicated their most prevalent emotions as
suspicious, skeptical (26%), disgusted , irritated, enraged,
contemptuous (23%).

headspace peacefully

Lisa Machoian,
knows what girls are dealing with and the cultural influences that transform
them.), the first book on the subject, Machoian
presents personal stories from dozens of girls who are living these challenges
daily.D.com.

excited feelings

Stage 3: Liberation (Retirement Day and one year following) - This is a
time of great excitement, relief and enthusiasm as 78 percent of people
say they are "enjoying retirement a great deal .

Stage 5: Reconciliation (16 or more years after retirement) - This stage
is marked by increased contentment, acceptance and personal reflection. While
there are lower levels of depression (5 percent), some people (22
percent) report feelings of sadness as they confront end-of-life issues.

About Age Wave
Age Wave is a leader in market analysis and innovative insights concerning
the maturing baby boomer population. Dr.

About Ameriprise Financial
Ameriprise Financial, Inc. is one of the nation's leading financial
planning, asset management and insurance holding companies. HCD
Research applied this methodology to measure the emotions felt by
Americans during President Bush's speech.