Ameriprise Financial, Inc. (AMP) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.638 On slide 2, you will see a discussion of forward-looking statements. 00:00:05.638 -- 00:00:10.443 Specifically during the call, you will hear references to various non-GAAP financial 00:00:10.443 -- 00:00:16.150 measures, which we believe provide insight into the company's operations. 00:00:16.150 -- 00:00:21.196 Reconciliation of non-GAAP numbers to their respective GAAP numbers can be found in today's 00:00:21.196 -- 00:00:26.019 materials and on our website at www.ir.ameriprise.com. 00:00:28.229 -- 00:00:32.934 Some statements that we make on this call may be forward looking, reflecting management's 00:00:32.934 -- 00:00:38.620 expectations about future events and overall operating plans and performance. 00:00:38.620 -- 00:00:42.925 These forward looking statements speak only as of today's date and involve a number of 00:00:42.925 -- 00:00:45.327 risks and uncertainties. 00:00:45.327 -- 00:00:50.472 A sample list of factors and risks that could cause actual results to be materially different 00:00:50.472 -- 00:00:56.309 from forward looking statements can be found in our third quarter 2025 earnings release 00:00:56.309 -- 00:01:02.936 our 2024 annual report to shareholders, and our 2024 10-K report. 00:01:03.199 -- 00:01:09.589 We make no obligation to publicly update or revise these forward-looking statements. 00:01:09.589 -- 00:01:14.156 On slide three, you see our GAAP financial results at the top of the page for the third 00:01:14.156 -- 00:01:19.524 quarter. Below that, you'll see our adjusted operating results, followed by operating 00:01:19.524 -- 00:01:24.359 results excluding unlocking. which management believes enhances the understanding of 00:01:24.359 -- 00:01:29.907 our business by reflecting the underlying performa...