Susan Ramirez

Emerging markets don’t look the way they used to.

For years, the story was China, commodities, and consumer growth. Today, AI and semiconductor companies in places like Taiwan and South Korea are driving much of the momentum instead.

It’s a reminder that global investing continues to evolve and diversification still matters.

If you haven’t revisited your international exposure in a while, now may be a good time to take another look.

https://www.ameripriseadvisors.com/team/centennial-wealth-management/insights/how-emerging-markets-are-changing/

Big congratulations to all the graduates out there!

Graduation season always brings a mix of excitement, pride, nerves, and a lot of unknowns. It’s the beginning of a brand new chapter, not just for students, but for families too.

For many young adults, this is the first real step into financial independence. Learning how to budget, save consistently, manage debt responsibly, and start investing early may not seem exciting now, but those habits can shape so much of the future.

One of the most rewarding parts of my work is helping families through transitions like this. Financial planning is not only about retirement years down the road. It’s also about helping the next generation build confidence, make smart decisions, and create a healthy relationship with money from the start.

Excited for all the graduates and everything ahead for them.



https://www.ameripriseadvisors.com/team/centennial-wealth-management/

The market keeps hitting all-time highs. So let's check in - how does that make you feel?

If your answer is anything other than confident, that’s worth paying attention to.
Because discomfort usually means one thing, you might be taking more risk than you realize.

This isn’t about getting out. It’s about making sure your exposure matches your goals.
If it feels off, it’s probably time to take a closer look.

https://www.ameripriseadvisors.com/team/centennial-wealth-management/insights/portfolio-rebalancing/

There’s something powerful about women coming together.

Not just to connect, but to support, encourage, and learn from one another. In a profession that has traditionally been male dominated, moments like these remind me how important it is to create space for women to grow, lead, and lift each other up.

I’ve always believed that success is not meant to be built alone. The strongest communities are the ones where women are sharing experiences, offering guidance, and helping one another move forward with confidence.

Grateful to be surrounded by women who are doing meaningful work and showing what leadership can look like in so many different ways.

When women support women, everyone moves forward.



https://www.ameripriseadvisors.com/team/centennial-wealth-management/

Charitable giving has always felt pretty straightforward. You give, you deduct, and move on.

That may not hold up the same way in 2026. New tax rules could reduce how much of those contributions actually count, especially for higher earners who itemize. For many people, that means the same habits around giving may become less efficient over time.

This is where a bit more planning comes in. Timing, structuring gifts, or using tools like donor-advised funds can help make sure your giving still aligns with your broader financial picture.

https://www.ameripriseadvisors.com/team/centennial-wealth-management/insights/tax-rules-charitable-giving-deductions/