阿莫斯莱斯金融美股招股说明书(2026-06-05版)

This is an offering by Ameriprise Financial, Inc. of $300,000,000 aggregate principal amount of its 4.800% Senior Notesdue 2031 (the “2031 Notes”) and $450,000,000 aggregate principal amount of its 5.350% Senior Notes due 2036 (the “2036Notes” and, together with the 2031 Notes, the “notes”). We will pay interest on the 2031 Notes semi-annually in arrears on eachJune15 and December15, commencing on December15, 2026. The 2031 Notes will mature on June15, 2031. We will payinterest on the 2036 Notes semi-annually in arrears on each June15 and December15, commencing on December15, 2026. The2036 Notes will mature on June15, 2036. We may redeem either series of notes in whole or in part at any time at the redemption prices described under the caption“Description of the Notes — Optional Redemption” in this prospectus supplement. The notes will be issued in minimumdenominations of $2,000 and integral multiples of $1,000 in excess thereof. Investing in the notes involves risks. See “Risk Factors” beginning on pageS-4of this prospectus supplement and in “Item1A.Risk Factors” beginning on page 16 of our Annual Report on Form 10-K for the year ended December31, 2025 to read about factorsyou should consider before buying the notes. The notes are unsecured senior debt obligations of Ameriprise Financial, Inc. and will rank equally with existing and futureunsecured senior debt obligations of Ameriprise Financial, Inc. The notes will be structurally subordinated to all future andexisting obligations of our subsidiaries. The notes will not be obligations of, and will not be guaranteed by, any of oursubsidiaries. The notes are not savings accounts, deposits or other obligations of a bank and they are not insured or guaranteedby the United States, the Federal Deposit Insurance Corporation or any other agency or instrumentality. We do not intend to apply for listing of the notes on any securities exchange. Currently, there is no public market for thenotes. J.P. Morgan BofA Securities Wells Fargo Securities TABLE OF CONTENTS Prospectus Supplement PageAbout this Prospectus SupplementS-iiSummaryS-1Risk FactorsS-4Use of ProceedsS-6CapitalizationS-7Description of the NotesS-8Certain ERISA ConsiderationsS-12Material United States Federal Income Tax ConsequencesS-14UnderwritingS-17Validity of the NotesS-22ExpertsS-22Where You Can Find More InformationS-23 Prospectus Prospectus Summary1Risk Factors3Use of Proceeds3Description of Debt Securities We May Offer3Description of Warrants We May Offer12Description of Purchase Contracts We May Offer14Description of Units We May Offer14Description of Preferred Stock We May Offer14Description of Common Stock We May Offer18Description of Depositary Shares We May Offer19Legal Ownership and Book-Entry Issuance23Considerations Relating to Securities Issued in Bearer Form28ERISA Considerations28Plan of Distribution (Conflicts of Interest)29Validity of the Securities32Experts32Where You Can Find More Information32Information Incorporated by Reference32Cautionary Statement Pursuant to the Private Securities Litigation Reform Act of 199533 ABOUT THIS PROSPECTUS SUPPLEMENT This document has two parts. The first part consists of this prospectus supplement, which describes thespecific terms of this offering and the notes offered. The second part, the accompanying prospectus,provides more general information, some of which may not apply to this offering. If information variesbetween this prospectus supplement and the accompanying prospectus, you should rely on the informationin this prospectus supplement. Before purchasing any notes, you should carefully read both this prospectus supplement and theaccompanying prospectus, together with the additional information incorporated by reference in thisprospectus supplement. We have not, and the underwriters have not, authorized anyone to provide you with any informationother than information incorporated by reference or set forth in this prospectus supplement, theaccompanying prospectus, or any free writing prospectus. We do not, and the underwriters do not, take anyresponsibility for, or provide any assurance as to the reliability of, any other information that others maygive you. This prospectus supplement and the accompanying prospectus may only be used where it is legalto sell these securities. The information in this prospectus supplement and the accompanying prospectusmay only be accurate as of their respective dates and the information in the incorporated documents is onlyaccurate as of their respective dates. The distribution of this prospectus supplement and the accompanying prospectus and the offering of thenotes in certain jurisdictions may be restricted by law. Persons into whose possession this prospectussupplement and the accompanying prospectus come should inform themselves about and observe any suchrestrictions. This prospectus supplement and the accompanying prospectus do not constitute, and may not beused in connection with, an of