The company started the process to consolidate its Minneapolis office footprint in 2023, and plans to move all Minneapolis-based employees to the Ameriprise Financial Headquarters by June 30, 2025, indicating a strategic initiative to optimize resources.

The company is opening a new support office in Hyderabad, India in early 2025, suggesting continued investment in global operations and support capabilities.

Variable annuity sales increased 26% to $5.0 billion for 2024 compared to the prior year, reflecting increased client demand for these products.

Management states a financial target for adjusted operating earnings per diluted share growth of 12% to 15%, indicating a focus on profitability and shareholder value.

Management states a financial target for adjusted operating return on equity of over 30%, reflecting a focus on efficient capital allocation and profitability.

The Board of Directors engages in human capital management topics and annually reviews senior executive succession plans, indicating a commitment to leadership development and business continuity.

The 10-K filing states that the company's results of operations and financial condition may be materially affected by market fluctuations and by economic, political and other factors, indicating sensitivity to external conditions.

The company acknowledges the risk of not being able to maintain its unaffiliated third-party distribution channels, which could diminish sales of its own products.

The company is required to participate in insurance guaranty associations, and the failure of other insurers could require higher assessments, indicating a potential financial burden.

The company acknowledges that its businesses operate in intensely competitive industries, including broker-dealers, banks, asset managers, insurers and other financial institutions, some of which have a larger market share, greater investments in technology and analytics, greater investment in advertising and brand, less regulation or greater financial resources.

The company acknowledges that a drop or perceived drop in investment performance as compared to its competitors could cause a decline in sales of its investment products, an increase in redemptions and the termination of asset management relationships.

The company acknowledges that its continued success depends on its ability to attract, motivate, engage and retain high-performing and high-potential talent in a highly competitive industry.

The company started the process to consolidate its Minneapolis office footprint in 2023, and plans to move all Minneapolis-based employees to the Ameriprise Financial Headquarters by June 30, 2025, indicating a strategic initiative to optimize resources.

General and administrative expense increased $32 million, or 1%, for 2024 compared to the prior year primarily reflecting higher volume related expenses and investments for business growth, increased severance expense related to our expense management initiatives and higher performance fee related compensation.

The company is focused on achieving operational and strategic leverage from its core capabilities, indicating an ongoing effort to manage costs and improve efficiency.

The company acknowledges that its operational systems and networks are subject to evolving cybersecurity or other technological risks, which could result in the disclosure of confidential information, loss of proprietary information, damage to reputation, additional costs, regulatory penalties and other adverse impacts.

The company has invested in a comprehensive modern learning platform for all employees to ensure they have access to relevant curriculum to help support their growth and career development, while still prioritizing annual compliance training.

The company will continue to closely review and monitor any legislative or regulatory proposals and changes related to the use of artificial intelligence, indicating a proactive approach to adapting to technological advancements.

The Board of Directors authorized an additional $3.5 billion for the repurchase of common stock through September 30, 2025, reflecting management's view that shares are undervalued and demonstrating confidence in future cash flow generation.

The company paid regular quarterly dividends to shareholders totaling $593 million for the year ended December 31, 2024, demonstrating a commitment to returning capital to shareholders.

The company may be required to raise cash through the incurrence of additional debt, the issuance of additional equity or the sale of assets if the cash it receives from its subsidiaries is insufficient to fund its obligations.

The company's focus on fostering an inclusive culture is also reflected in the policies and practices that promote a safe, inclusive and respectful workplace.

The company has 13 global business resource networks, with over 23,000 employee engagements, are open to everyone and provide opportunities for connection, community and career development, supporting business growth.

As the owner and operator of real property, the company is subject to federal, state, local and foreign environmental laws and regulations.

The filing states that global equity market conditions and fluctuations affect the company's results of operations and financial condition, indicating sensitivity to market performance.

As an international company, the company continuously monitors developments in EU legislation, as well as in the other markets in which it operates, to ensure that it complies with all applicable legal requirements.

The U.S. Department of the Treasury issued proposed CAMT regulations in the third quarter of 2024. The proposed regulations are subject to public review and comment prior to finalizing. The Company is evaluating the potential impact of the proposed regulations.