SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Pre-Effective Amendment No. _____________	[ ]
Post-Effective Amendment No. 81 (File No. 333-79311)	[X]
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No. 150 (File No. 811-07355)	[X]
(Check appropriate box or boxes)
RIVERSOURCE VARIABLE ACCOUNT 10
(previously IDS LIFE VARIABLE ACCOUNT 10)
(Exact Name of Registrant)
RiverSource Life Insurance Company
(previously IDS Life Insurance Company)
(Name of Depositor)
70100 Ameriprise Financial Center, Minneapolis, MN 55474
(Address of Depositor's Principal Executive Offices) (Zip Code)
Depositor's Telephone Number, including Area Code (612) 678-5337
Nicole D. Wood, 50605 Ameriprise Financial Center, Minneapolis, MN 55474
(Name and Address of Agent for Service)

It is proposed that this filing will become effective (check appropriate box)

[ ] immediately upon filing pursuant to paragraph (b) of Rule 485

[x]on May 1, 2020 pursuant to paragraph (b) of Rule 485

[] 60 days after filing pursuant to paragraph (a)(1) of Rule 485

[ ] on [date] pursuant to paragraph (a)(1) of Rule 485

If appropriate, check the following box:

[ ] this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Prospectus

May 1, 2020

RiverSource^®

Retirement Advisor Variable Annuity

Individual Flexible Premium Deferred Combination Fixed/Variable Annuity

Issued by:	RiverSource Life Insurance Company (RiverSource Life)
	70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) ameriprise.com/variableannuities RiverSource Variable Account 10

New contracts are not currently being offered.

This prospectus contains information that you should know before investing.

Prospectuses are also available for:

AB Variable Products Series Fund, Inc.

ALPS Variable Investment Trust

American Century Variable Portfolios, Inc.

BlackRock Variable Series, Inc.

Calvert Variable Series, Inc.

Columbia Funds Variable Insurance Trust

Columbia Funds Variable Series Trust II

Credit Suisse Trust

Deutsche DWS Variable Series II

Eaton Vance Variable Trust

Fidelity^® Variable Insurance Products – Service Class

Franklin^® Templeton^® Variable Insurance Products Trust – Class 2

Goldman Sachs Variable Insurance Trust (VIT)

Invesco Variable Insurance Funds

Ivy Variable Insurance Portfolios

Janus Aspen Series: Service Shares

Lazard Retirement Series, Inc.

MFS^® Variable Insurance Trust^SM

Morgan Stanley Variable Insurance Fund, Inc. (VIF)

Neuberger Berman Advisers Management Trust

Oppenheimer Variable Account Funds – Service Shares

PIMCO Variable Insurance Trust (VIT)

Putnam Variable Trust – Class IB Shares

Royce Capital Fund

Third Avenue Variable Series Trust

Wanger Advisors Trust

VanEck VIP Trust

Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

The contracts provide for purchase payment credits which we may reverse under certain circumstances. Expenses may be higher and surrender charges may be higher and longer for contracts with purchase payment credits than for contracts without such credits. The amount of the credit may be more than offset by additional charges associated with the credit. (See “Buying Your Contract — Purchase Payment Credits”).

The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.

An investment in this contract is not a deposit of a bank or financial institution and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in this contract involves investment risk including the possible loss of principal.

A Statement of Additional Information (SAI), dated the same date as this prospectus, is incorporated by reference into this prospectus. It is filed with the SEC and is available without charge by contacting RiverSource Life at the telephone number and address listed above. The table of contents of the SAI is on the last page of this prospectus. The SEC maintains an Internet site. This prospectus, the SAI and other information about the product are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

RiverSource Retirement Advisor Variable Annuity — Prospectus 1

Variable annuities are complex products. The fees and charges, as well as the available features and benefits, of the variable annuity contracts described in this prospectus will be different from other variable annuities offered in the marketplace, including other variable annuities or other types of annuities offered by RiverSource Life. The interest credited, guarantees provided, and credits available, as well as the funds serving as underlying investments and their corresponding expenses, may differ among the variable annuities that are available to you. With the aid of an appropriate financial professional, we encourage you to compare and contrast the variable annuity contracts described in this prospectus with other variable annuities available in the marketplace, including other types of annuities we may offer. This will aid in determining whether purchasing a contract is consistent with your investment objectives, risk tolerance, time horizon, marital status, tax situation, and your unique financial situation and needs. If you select an annuity that includes surrender or other liquidation charges, you should also consider any future needs you may have to access your contract value. The optional benefits and features available with the contracts usually come with additional costs. Consider any additional costs carefully when electing these optional benefits and features.

Beginning on January 1, 2021, as permitted by regulations adopted by the Securities and Exchange Commission, paper copies of your underlying funds’ shareholder reports will no longer be sent by mail, unless you specifically request paper copies of the reports from RiverSource Life. Instead, the reports will be made available on a website, and you will be notified each time a report is posted and provided with a website link to access the report.

You may elect to receive all future reports in paper free of charge. You can inform RiverSource Life that you wish to continue receiving paper copies of your shareholder reports by calling our Service Center at 1-800-862-7919. Your election to receive reports in paper will apply to all funds available under your variable annuity contract.

Effects of COVID-19 Pandemic

The coronavirus disease 2019 (“COVID-19”) public health crisis presents ongoing significant economic and societal disruption and has driven significant volatility in the equity and interest rate markets. Any periods of continued high market volatility, and your individual circumstances (e.g., your selected allocations and the timing of any purchase payments, transfers, or withdrawals), will affect values under your contract. As part of how we maintain our strong financial strength and claims-paying ability, we continue to reserve amounts for our contractual obligations in accordance with significant state solvency regulations. The extent to which the COVID-19 pandemic may impact financial markets, investment performance under your contract, and our financial strength and claims-paying ability will depend on future developments, which are highly uncertain and cannot be estimated, including the scope and duration of the pandemic and actions taken by governmental authorities, market participants, and other third parties in response to the pandemic.

We have implemented comprehensive strategies to address the operating environment spurred by the pandemic. To promote the safety and security of our employees and to assure the continuity of our business operations, we have implemented a work from home protocol for virtually all of our employee population, restricted business travel, and provided resources for complying with the guidance from the World Health Organization, the U.S. Centers for Disease Control and government authorities. We have been satisfying elevated customer service volumes and our operations teams have continued to operate successfully and without disruptions in service. Our pandemic strategy is flexible and scalable and takes into consideration that a pandemic could be widespread and may occur in multiple waves, affecting different communities at different times with varying levels of severity. We cannot, however, predict the impact that natural or man-made disasters and catastrophes, including the COVID-19 pandemic, may have over near- or longer-term periods.

2 RiverSource Retirement Advisor Variable Annuity — Prospectus

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Assumed investment rate: The rate of return we assume your investments will earn when we calculate your initial annuity payout amount using the annuity table in your contract. The standard assumed investment rate we use is 5% but you may request we substitute an assumed investment rate of 3.5%.

Beneficiary: The person you designate to receive benefits in case of the owner’s or annuitant’s death while the contract is in force.

Close of business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).

Code: The Internal Revenue Code of 1986, as amended.

Contract: A deferred annuity contract that permits you to accumulate money for retirement by making one or more purchase payments. It provides for lifetime or other forms of payouts beginning at a specified time in the future.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed account: Part of our general account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

Funds: Investment options under your contract. Unless an asset allocation program is in effect, you may allocate your purchase payments into subaccounts investing in shares of any or all of these funds.

Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all contract owners for the request to be in good order. With respect to purchase requests, “good order” also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in good order, and we reserve the right to change or waive any good order requirements at any time.

Owner (you, your): The person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. The owner or any joint owner may be a nonnatural person (e.g. irrevocable trust or corporation) or a revocable trust. If any owner is a nonnatural person or a revocable trust, the annuitant will be deemed to be the owner for contract provisions that are based on the age or life of the owner. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:

•	Individual Retirement Annuities (IRAs) including the inherited IRAs under Section 408(b) of the Code
•	Roth IRAs including inherited Roth IRAs under Section 408 A of the Code
•	SIMPLE IRAs under Section 408(p) of the Code
•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code
•	Plans under Section 401(k) of the Code
•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code
•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider when you purchase the EEB or MAV. The rider adds the terms of the optional benefit to your contract.

4 RiverSource Retirement Advisor Variable Annuity — Prospectus

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Service Center: Our department that processes all transaction and service requests for the contracts. We consider all transaction and service requests received when they arrive in good order at the Service Center. Any transaction or service requests sent or directed to any location other than our Service Center may end up delayed or not processed. Our Service Center address and telephone number are listed on the first page of the prospectus.

Settlement date: The date when annuity payouts are scheduled to begin.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

purchase payment or any transaction request (such as a transfer or surrender request) in good order at our Service Center before the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our Service Center at or after the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the next valuation date. If you make a transaction request by telephone (including by fax), you must have completed your transaction by the close of business in order for us to process it using the accumulation unit value we calculate on that valuation date. If you were not able to complete your transaction before the close of business for any reason, including telephone service interruptions or delays due to high call volume, we will process your transaction using the accumulation unit value we calculate on the next valuation date.

Variable account: Consists of separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund. The value of your investment in each subaccount changes with the performance of the particular fund.

RiverSource Retirement Advisor Variable Annuity — Prospectus 5

The Contract in Brief

Purpose: The purpose of the contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the fixed accounts and/or subaccounts under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

It may not have been advantageous for you to purchase this contract in exchange for, or in addition to, an existing annuity or life insurance policy. Generally, you can exchange one annuity for another or for a qualified long-term care policy in a “tax-free” exchange under Section 1035 of the Code. You also generally can exchange a life insurance policy for an annuity. However, before making an exchange, you should compare both contracts carefully because the features and benefits may be different. Fees and charges may be higher or lower on your old contract than on this contract. You may have to pay a surrender charge when you exchange out of your old contract and a new surrender charge period will begin when you exchange into this contract. If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax on the exchange. State income taxes may also apply. You should not exchange your old contract for this contract or buy this contract in addition to your old contract, unless you determine it is in your best interest.

Tax-deferred retirement plans: Most annuities have a tax-deferred feature. So do many retirement plans under the Code including 403(b) plans. As a result, when you use a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Some employers may permit you to deposit your contributions into other investments such as mutual funds. If such investments are available to you, before enrolling under the contract, you should consider features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at age 72 (triggered at age 70 ½ if you turned 70 ½ before Jan. 1, 2020). These mandatory withdrawals are called required minimum distributions (“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.

Buying a contract: We no longer offer new contracts. However, you have the option of making additional purchase payments in the future, subject to certain limitations. Purchase payment amounts and purchase payment timing may be limited under the terms of your contract and/or pursuant to state requirements. (See “Buying Your Contract”).

Free look period: The contracts in this prospectus are no longer sold. Generally, all available free look periods have now expired.

Accounts: Generally, you may allocate your purchase payments among any or all of:

•

the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)

•

the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the accounts until annuity payouts begin, and once per contract year among the subaccounts after annuity payouts begin. You may establish automated transfers among the accounts. Fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Benefits in case of death: If you or the annuitant die before annuity payouts begin, we will pay the beneficiary an amount at least equal to the contract value, except in the case of a purchase payment credit reversal.
(see “Benefits in Case of Death — Standard Death Benefit”)

Optional benefits: These contracts offer optional features that are available for additional charges if you meet certain criteria. (see “Optional Benefits”)

Annuity payouts: You can apply your contract value, after reflecting any adjustments, to an annuity payout plan that begins on the settlement date. You may choose from a variety of plans that can help meet your retirement or other income needs. The payout schedule must meet IRS requirements. We can make payouts on a fixed or variable basis, or both. Total monthly payouts may include amounts from each subaccount and the fixed account. During the annuity payout period, you cannot be

6 RiverSource Retirement Advisor Variable Annuity — Prospectus

Expense Summary

The following tables describe the fees and expenses that are paid when buying, owning and surrendering the contract. The first table describes the fees and expenses that you paid at the time that you bought the contract and may pay when you surrender the contract. State premium taxes also may be deducted.

Contract Owner Transaction Expenses

Surrender charge

(Contingent deferred sales load as a percentage of purchase payment surrendered)

The owner selects either a seven-year or ten-year surrender charge schedule at the time of application.*

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7	0	7	4
		8	3
		9	2
		10	0

*	The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.
**	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Liquidation charge under Variable Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. The liquidation charge equals the present value of the remaining payments using the assumed interest rate minus the present value of the remaining payouts using the discount rate. (See “Charges – Surrender Charge” and “The Annuity Payout Period – Annuity Payout Plans.”)

	Assumed investment rate
	3.50%	5.00%
Qualified annuity discount rate	4.72%	6.22%
Nonqualified annuity discount rate	4.92%	6.42%

Surrender charge for fixed annuity payouts, if available:

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*	We do not permit surrenders in the first year after annuitization.

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

Annual Contract Administrative Charge

$30

8 RiverSource Retirement Advisor Variable Annuity — Prospectus

(We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)

Optional Rider Fees

(As a percentage of the contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)

MAV rider fee	0.15%
EEB rider fee	0.30%
PN rider fee*	0.00%

*	Effective May 10, 2010 the rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%.

Annual Variable Account Expenses

(Total annual variable account expenses as a percentage of average daily subaccount value.)

Mortality and expense risk fee
For nonqualified annuities	0.95%
For qualified annuities	0.75%

Annual Operating Expenses of the Funds

The next table provides the minimum and maximum total operating expenses charged by the underlying funds that you may pay periodically during the time that you own the contract. The minimum and maximum expenses listed below are based on expenses for the funds’ fiscal year ended December 31, 2019, unless otherwise noted, without taking into account fee waivers and/or expense reimbursements that may apply. More detail concerning each underlying fund’s fees and expenses is contained in each fund’s prospectus.

Minimum and maximum total annual operating expenses for the funds⁽¹⁾

(Including management, distribution (12b-1) and/or service fees and other expenses)

	Minimum(%)	Maximum(%)
Total expenses before fee waivers and/or expense reimbursements	0.39	2.78

⁽¹⁾

Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract owner services provided on behalf of the fund. The amount of these payments will vary by fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. For a more complete description of each fund’s fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, please review the fund’s prospectus and SAI.

RiverSource Retirement Advisor Variable Annuity — Prospectus 9

Examples

These examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges*, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expense of any of the funds before fee waivers and/or expense reimbursements. They assume that you select both the optional MAV and EEB. Although your actual costs may be lower, based on these assumptions your costs would be:

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
With a ten-year surrender charge schedule	$1,193	$2,037	$2,887	$4,705	$462	$1,392	$2,329	$4,705
With a seven-year surrender charge schedule	1,091	1,926	2,675	4,661	458	1,379	2,307	4,661
Qualified Annuity
With a ten-year surrender charge schedule	$1,174	$1,981	$2,797	$4,535	$442	$1,332	$2,234	$4,535
With a seven-year surrender charge schedule	1,072	1,871	2,585	4,492	437	1,320	2,213	4,492

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements. They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
With a ten-year surrender charge schedule	$923	$1,225	$1,498	$1,917	$169	$520	$892	$1,917
With a seven-year surrender charge schedule	821	1,114	1,284	1,900	167	516	884	1,900
Qualified Annuity
With a ten-year surrender charge schedule	$904	$1,164	$1,389	$1,688	$148	$457	$783	$1,688
With a seven-year surrender charge schedule	802	1,053	1,177	1,675	147	453	777	1,675

^(*)	In these examples, the contract administrative charge is $30.

THE EXAMPLES ARE ILLUSTRATIVE ONLY. YOU SHOULD NOT CONSIDER THESE EXAMPLES AS A REPRESENTATION OF PAST OR FUTURE EXPENSES. ACTUAL EXPENSES WILL BE HIGHER OR LOWER THAN THOSE SHOWN DEPENDING UPON WHICH OPTIONAL BENEFIT YOU ELECT OTHER THAN INDICATED IN THE EXAMPLES OR IF YOU ALLOCATE CONTRACT VALUE TO ANY OTHER AVAILABLE SUBACCOUNTS.

10 RiverSource Retirement Advisor Variable Annuity — Prospectus

Condensed Financial Information

You can find unaudited condensed financial information of the subaccounts in the Appendix B.

Financial Statements

You can find our audited financial statements and the audited financial statements of the divisions, which are comprised of subaccounts, in the SAI. The SAI does not include audited financial statements for divisions that are new and have no activity as of the financial statement date.

The Variable Account and the Funds

The variable account: The variable account was established under Minnesota law on Aug. 23, 1995, and the subaccounts are registered together as a single unit investment trust under the Investment Company Act of 1940 (the 1940 Act). This registration does not involve any supervision of our management or investment practices and policies by the SEC. All obligations arising under the contracts are general obligations of RiverSource Life.

The variable account meets the definition of a separate account under federal securities laws. We credit or charge income, capital gains and capital losses of each subaccount only to that subaccount. State insurance law prohibits us from charging a subaccount with liabilities of any other subaccount or of our general business. The variable account includes other subaccounts that are available under contracts that are not described in this prospectus.

The IRS has issued guidance on investor control but may issue additional guidance in the future. We reserve the right to modify the contract or any investments made under the terms of the contract so that the investor control rules do not apply to treat the contract owner as the owner of the subaccount assets rather than the owner of an annuity contract. If the contract is not treated as an annuity contract for tax purposes, the owner may be subject to current taxation on any current or accumulated income credited to the contract.

We intend to comply with all federal tax laws so that the contract qualifies as an annuity for federal tax purposes. We reserve the right to modify the contract as necessary in order to qualify the contract as an annuity for federal tax purposes.

The Funds: The contract currently offers subaccounts investing in shares of the funds listed in the table below.

Investment objectives: The investment managers and advisers cannot guarantee that the funds will meet their investment objectives.

Please read the funds’ prospectuses carefully for facts you should know before investing. These prospectuses are available by contacting us at the address or telephone number listed on the first page of this prospectus.

•	Fund name and management: A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.
•	Eligible purchasers: All funds are available to serve as the underlying investments for variable annuities and variable life insurance policies. The funds are not available to the public (see “Fund name and management” above). Some funds also are available to serve as investment options for tax-deferred retirement plans. It is possible that in the future for tax, regulatory or other reasons, it may be disadvantageous for variable annuity accounts and variable life insurance accounts and/or tax-deferred retirement plans to invest in the available funds simultaneously. Although we and the funds’ providers do not currently foresee any such disadvantages, the boards of directors or trustees of each fund will monitor events in order to identify any material conflicts between annuity owners, policy owners and tax-deferred retirement plans and to determine what action, if any, should be taken in response to a conflict. If a board were to conclude that it should establish separate fund providers for the variable annuity, variable life insurance and tax-deferred retirement plan accounts, you would not bear any expenses associated with establishing separate funds. Please refer to the funds’ prospectuses for risk disclosure regarding simultaneous investments by variable annuity, variable life insurance and tax-deferred retirement plan accounts. Each fund intends to comply with the diversification requirements under Section 817(h) of the Code.
•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of

RiverSource Retirement Advisor Variable Annuity — Prospectus 11

	foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.
•	Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. In making these decisions, we may consider various objective and subjective factors. Objective factors include, but are not limited to fund performance, fund expenses, classes of fund shares available, size of the fund and investment objectives and investing style of the fund. Subjective factors include, but are not limited to, investment sub-styles and process, management skill and history at other funds and portfolio concentration and sector weightings. We also consider the levels and types of revenue, including but not limited to expense payments and non-cash compensation a fund, its distributor, investment adviser, subadviser, transfer agent or their affiliates pay us and our affiliates. This revenue includes, but is not limited to compensation for administrative services provided with respect to the fund and support of marketing and distribution expenses incurred with respect to the fund.
•	Money Market fund yield: In low interest rate environments, money market fund yields may decrease to a level where the deduction of fees and charges associated with your contract could result in negative net performance, resulting in a corresponding decrease in your contract value.
•	Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management. We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several funds of funds, including Portfolio Navigator and Portfolio Stabilizer funds. As such, it retains full discretion over the investment activities and investment decisions of the funds. These funds invest in other registered mutual funds. In providing investment advisory services for the funds and the underlying funds in which those funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management Investment Advisers or one of its affiliates serves as the investment adviser to the underlying funds and may provide other services in connection with such underlying funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying fund.
•	Volatility and Volatility Management Risk with the Portfolio Stabilizer funds. Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These types of funds are available under the contracts and one or more of these funds may be offered in other variable annuity and variable life insurance products offered by us. These funds may also be used in conjunction with guaranteed living benefit and death benefit riders we offer with various annuity contracts.
	Conflicts may arise because the manner in which these funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit and death benefit riders. Managed volatility funds employ a strategy to reduce overall volatility and downside risk. A successful strategy may result in smaller losses to your contract value when markets are declining and market volatility is high. In turn, a successful strategy may also result in less gain in your contract value during rising markets with higher volatility when compared to funds not employing a managed volatility strategy. Accordingly, although an investment in the Portfolio Stabilizer funds may mitigate declines in your contract value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your contract value during periods of positive performance by the equity markets. There is no guarantee any of the funds’ strategies will be successful. When offered with a guaranteed living benefit, managed volatility funds may decrease the number and amount of any periodic benefit base increase opportunities. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.
	While Columbia Management is the investment adviser to the Portfolio Navigator and Portfolio Stabilizer funds, it provides no investment advice to you as to whether an allocation to the funds is appropriate for you. You must decide whether an investment in these funds is right for you. Additional information on the funds, including risks and conflicts of interest, is included in their respective prospectuses. Columbia Management advised fund of funds and managed volatility funds and their investment objectives are listed in the table below.

12 RiverSource Retirement Advisor Variable Annuity — Prospectus

•	Revenue we receive from the funds and potential conflicts of interest:

Expenses We May Incur on Behalf of the Funds

When a subaccount invests in a fund, the fund holds a single account in the name of the variable account. As such, the variable account is actually the shareholder of the fund. We, through our variable account, aggregate the transactions of numerous contract owners and submit net purchase and redemption requests to the funds on a daily basis. In addition, we track individual contract owner transactions and provide confirmations, periodic statements, and other required mailings. These costs would normally be borne by the fund, but we incur them instead.

Besides incurring these administrative expenses on behalf of the funds, we also incur distributions expenses in selling our contracts. By extension, the distribution expenses we incur benefit the funds we make available due to contract owner elections to allocate purchase payments to the funds through the subaccounts. In addition, the funds generally incur lower distribution expenses when offered through our variable account in contrast to being sold on a retail basis.

A complete list of why we may receive this revenue, as well as sources of revenue, is described in detail below.

Payments the Funds May Make to Us

We or our affiliates may receive from each of the funds, or their affiliates, compensation including but not limited to expense payments. These payments are designed in part to compensate us for the expenses we may incur on behalf of the funds. In addition to these payments, the funds may compensate us for wholesaling activities or to participate in educational or marketing seminars sponsored by the funds.

We or our affiliates may receive revenue derived from the 12b-1 fees charged by the funds. These fees are deducted from the assets of the funds. This revenue and the amount by which it can vary may create conflicts of interest. The amount, type, and manner in which the revenue from these sources is computed vary by fund.

Conflicts of Interest These Payments May Create

When we determined the charges to impose under the contracts, we took into account anticipated payments from the funds. If we had not taken into account these anticipated payments, the charges under the contract would have been higher. Additionally, the amount of payment we receive from a fund or its affiliate may create an incentive for us to include that fund as an investment option and may influence our decision regarding which funds to include in the variable account as subaccount options for contract owners. Funds that offer lower payments or no payments may also have corresponding expense structures that are lower, resulting in decreased overall fees and expenses to shareholders.

We offer funds managed by our affiliates Columbia Management and Columbia Wanger Asset Management, LLC (Columbia Wanger). We have additional financial incentive to offer our affiliated funds because additional assets held by them generally results in added revenue to us and our parent company, Ameriprise Financial, Inc. Additionally, employees of Ameriprise Financial, Inc. and its affiliates, including our employees, may be separately incented to include the affiliated funds in the products, as employee compensation and business unit operating goals at all levels are tied to the success of the company. Currently, revenue received from our affiliated funds comprises the greatest amount and percentage of revenue we derive from payments made by the funds.

The Amount of Payments We Receive from the Funds

We or our affiliates receive revenue which ranges up to 0.65% of the average daily net assets invested in the funds through this and other contracts we and our affiliates issue.

Why revenues are paid to us: In accordance with applicable laws, regulations and the terms of the agreements under which such revenue is paid, we or our affiliates may receive revenue, including but not limited to expense payments and non-cash compensation, for various purposes:

•	Compensating, training and educating financial advisors who sell the contracts.
•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.
•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to contract owners, authorized selling firms and financial advisors.
•	Providing sub-transfer agency and shareholder servicing to contract owners.
•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.
•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.
•	Furnishing personal services to contract owners, including education of contract owners regarding the funds, answering routine inquiries regarding a fund, maintaining accounts or providing such other services eligible for service fees as defined under the rules of the Financial Industry Regulatory Authority (FINRA).
•	Subaccounting services, transaction processing, recordkeeping and administration.

RiverSource Retirement Advisor Variable Annuity — Prospectus 13

•	Sources of revenue received from affiliated funds: The affiliated funds are managed by Columbia Management or Columbia Wanger. The sources of revenue we receive from these affiliated funds, or from the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We may receive this revenue either in the form of a cash payment or it may be allocated to us.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

•	Sources of revenue received from unaffiliated funds: The unaffiliated funds are not managed by an affiliate of ours. The sources of revenue we receive from these unaffiliated funds, or the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We receive this revenue in the form of a cash payment.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

Unless the PN program is in effect, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the funds listed in the table below. From time to time, certain fund names are changed. When we are notified of a name change, we will make changes so that the new name is properly shown. However, changes may take some period of time to complete. As a result it is possible you may receive various forms, reports and confirmations that reflect a fund’s prior name.

Investing In	Investment Objective and Policies	Investment Adviser
AB VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk.	AllianceBernstein L.P.
AB VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
ALPS \| Alerian Energy Infrastructure Portfolio: Class III	The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS Advisors, Inc.
American Century VP International, Class I	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Value, Class I	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC
Calvert VP SRI Balanced Portfolio - Class I	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.	Calvert Research and Management
Columbia Variable Portfolio - Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC

14 RiverSource Retirement Advisor Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio - Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Disciplined Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Dividend Opportunity Fund (Class 3)	Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2)	Non-diversified fund that seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Global Strategic Income Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Government Money Market Fund (Class 3)	Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - High Yield Bond Fund (Class 3)	Seeks to provide shareholders with high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Income Opportunities Fund (Class 3)	Seeks to provide shareholders with a high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Intermediate Bond Fund (Class 3)	Seeks to provide shareholders with a high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Growth Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Index Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2)	Seeks to provide shareholders with a level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Mid Cap Growth Fund (Class 3)	Seeks to provide shareholders with growth of capital.	Columbia Management Investment Advisers, LLC

RiverSource Retirement Advisor Variable Annuity — Prospectus 15

Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio - Overseas Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Large Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 3)	Seeks to provide shareholders with current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC
Credit Suisse Trust - Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Bloomberg Commodity Index Total Return ("BCOM Index").	Credit Suisse Asset Management, LLC
CTIVP^® - BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser.
CTIVP^® - Lazard International Equity Advantage Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Lazard Asset Management LLC, subadviser.
CTIVP^® - Loomis Sayles Growth Fund (Class 1)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Loomis, Sayles & Company, L.P., subadviser.
CTIVP^® - Victory Sycamore Established Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser.
CTIVP^® - Wells Fargo Short Duration Government Fund (Class 2)	Seeks to provide shareholders with current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.
DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadvisor.
Eaton Vance VT Floating-Rate Income Fund - Initial Class	Seeks high level of current income.	Eaton Vance Management
Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either "growth" stocks or "value" stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.

16 RiverSource Retirement Advisor Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Growth & Income Portfolio Service Class	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either "growth" stocks or "value" stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Mid Cap Portfolio Service Class	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either "growth" or "value" common stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Overseas Portfolio Service Class	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK)) and other investment advisers serve as sub-advisers for the fund.
Franklin Global Real Estate VIP Fund - Class 2	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC
Franklin Income VIP Fund - Class 2	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc.
Franklin Small Cap Value VIP Fund - Class 2	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Mutual Advisers, LLC
Goldman Sachs VIT Mid Cap Value Fund - Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.
Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.
Goldman Sachs VIT Small Cap Equity Insights Fund - Institutional Shares	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.
Goldman Sachs VIT U.S. Equity Insights Fund - Institutional Shares	Seeks long-term growth of capital and dividend income.	Goldman Sachs Asset Management, L.P.

RiverSource Retirement Advisor Variable Annuity — Prospectus 17

Investing In	Investment Objective and Policies	Investment Adviser
Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares	Seeks total return	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco V.I. American Franchise Fund, Series I Shares	Seeks capital growth.	Invesco Advisers, Inc.
Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.
Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.
Invesco V.I. Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Ivy VIP Asset Strategy, Class II	Seeks to provide total return.	Ivy Investment Management Company
Janus Henderson Balanced Portfolio: Service Shares	Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.	Janus Capital Management LLC
Janus Henderson Enterprise Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC
Janus Henderson Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC
Janus Henderson Global Technology and Innovation Portfolio: Service Shares (previously Janus Henderson VIT Global Technology Portfolio: Service Shares)	Seeks long-term growth of capital.	Janus Capital Management LLC
Janus Henderson Overseas Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC
Janus Henderson Research Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

18 RiverSource Retirement Advisor Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares	Seeks long-term capital appreciation.	Lazard Asset Management, LLC
MFS^® Massachusetts Investors Growth Stock Portfolio - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® New Discovery Series - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® Utilities Series - Service Class	Seeks total return.	MFS^® Investment Management
Morgan Stanley VIF Discovery Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.
Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.
Neuberger Berman AMT International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing primarily in common stocks of foreign companies.	Neuberger Berman Investment Advisers LLC
Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S)	Seeks long-term growth of capital and income generation.	Neuberger Berman Investment Advisers LLC
PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)
Putnam VT Sustainable Leaders Fund - Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, investment advisor. Though the investment advisor has retained the services of Putnam Investments Limited (PIL), PIL does not currently manage any assets.
Royce Capital Fund - Micro-Cap Portfolio, Investment Class	Seeks long-term growth of capital.	Royce & Associates, LP
Templeton Global Bond VIP Fund - Class 2	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in debt securities of any maturity.	Franklin Advisers, Inc.

RiverSource Retirement Advisor Variable Annuity — Prospectus 19

Investing In	Investment Objective and Policies	Investment Adviser
Third Avenue VST FFI Strategies Portfolio (previoulsy Third Avenue VST Value Portfolio)	Seeks long-term capital appreciation by acquiring common stocks of well-financed companies (meaning companies with high quality assets and conservative levels of liabilities) at a discount to what the Adviser believes is their intrinsic value.	Third Avenue Management LLC, adviser; Cadence Capital Management LLC, subadviser.
VanEck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation
Variable Portfolio - Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk U.S. Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC

20 RiverSource Retirement Advisor Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio - Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Partners Core Equity Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc. and T. Rowe Price Associates, Inc., subadvisers.
Variable Portfolio - Partners Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc., Nuveen Asset Management, LLC and Segall Bryant & Hamill, LLC, subadvisers.
Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wells Fargo VT Index Asset Allocation Fund - Class 2	Seeks long-term total return, consisting of capital appreciation and current income.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT International Equity Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT Small Cap Growth Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Western Asset Variable Global High Yield Bond Portfolio - Class II	Seeks to maximize total return.	Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, LLC, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisers.

The General Account

The general account includes all assets owned by RiverSource Life, other than those in the variable account and our other separate accounts. Subject to applicable state law, we have sole discretion to decide how assets of the general account will be invested. The assets held in our general account support the guarantees under your contract including any optional benefits offered under the contract. You should be aware that our general account is exposed to many of the same risks normally associated with a portfolio of fixed-income securities including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of annuities and financial instruments and products as well, and these obligations are satisfied from the assets in our general account. Our general account is not segregated or insulated from the claims of our creditors. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account. The fixed account is supported by our general account that we make available under the contract.

RiverSource Retirement Advisor Variable Annuity — Prospectus 21

The Fixed Account

You also may allocate purchase payments and purchase payment credits or transfer contract value to the fixed account. Amounts allocated to the fixed account are part of our general account. We back the principal and interest guarantees relating to the fixed account. These guarantees are subject to the creditworthiness and continued claims-paying ability of the company. The value of the fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. Interest rates credited in excess of the guaranteed rate generally will be based on various factors related to future investment earnings.

Because of exemptive and exclusionary provisions, we have not registered interests in the fixed account as securities under the Securities Act of 1933 nor have any of these accounts been registered as investment companies under the Investment Company Act of 1940. Accordingly, neither the fixed account nor any interests in the fixed account are subject to the provisions of these Acts.

Buying Your Contract

New contracts are not currently being offered.

As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can become an owner or an annuitant if you are 90 or younger.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account and/or to the fixed account in tenth of percent increments. We reserve the right to not accept purchase payments allocated to the fixed account for twelve months following: (1) a partial surrender from the fixed account; or (2) a lump sum from the fixed account to the subaccounts.

If we receive an additional purchase payment at our Service Center before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our Service Center at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

Householding and delivery of certain documents

With your prior consent, RiverSource Life and its affiliates may use and combine information concerning accounts owned by members of the same household and provide a single paper or electronic copy of certain documents to that household. This householding of documents may include prospectuses, supplements, annual reports, semiannual reports and proxies. Your authorization remains in effect unless we are notified otherwise. If you wish to continue receiving multiple copies of these documents, you can opt out of householding by calling us at 1.866.273.7429. Multiple mailings will resume within 30 days after we receive your opt out request.

Purchase Payments

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract.

Minimum allowable purchase payments⁽¹⁾

If paying by installments under a scheduled payment plan:

$50 per month

If paying by any other method:

$50

⁽¹⁾	If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in New Jersey.

22 RiverSource Retirement Advisor Variable Annuity — Prospectus

Maximum allowable annual purchase payments⁽²⁾ based on the age of you or the annuitant, whoever is older, on the effective date of the contract:

$100,000 for ages through 85

$50,000 for ages 86 to 90

⁽²⁾	These limits to annual contributions apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum annual limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date.

Except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts, Washington and Oregon.

We reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:

1. a partial surrender from the fixed account; or

2. a lump sum transfer from the fixed account to a subaccount.

How to Make Purchase Payments

11 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

22 By scheduled payment plan

We can help you set up:

•	an automatic payroll deduction, salary reduction or other group billing arrangement; or
•	a bank authorization.

Purchase Payment Credits

We add a credit to your contract in the amount of:

•	1% of each purchase payment received:

– if you elect the ten-year surrender charge schedule* for your contract; or

– if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000.

•	2% of each purchase payment received if you elect the ten-year surrender charge schedule* for your contract and your initial purchase payment to the contract is at least $100,000.

We fund the credit from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We allocate each credit to your contract value when the applicable purchase payment is applied to your contract value. We allocate such credits to your contract value according to allocation instructions in effect for your purchase payments.

We will reverse credits from the contract value for any purchase payment that is not honored. The amount returned to you under the free look provision also will not include any credits applied to your contract. (See “The Contract in Brief — Free look period.”)

*	The ten-year surrender charge is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000.

To the extent a death benefit or surrender payment includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; or (2) a request for surrender charge waiver due to Nursing Home Confinement, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits**.

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Surrender charges under the contract may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated them. Because of higher charges, there could be circumstances where you may be worse off purchasing this contract with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full withdrawal in years five through ten. We pay for the credits primarily through revenue from a higher and longer withdrawal charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts. We reserve the right to increase the amount of the credit for certain groups of contract owners. The increase will not be greater than 8% of total net purchase payments. We would pay for increases in credit amounts primarily through reduced expenses expected from such groups.

**	For contracts purchased in Oregon, we will not assess a charge equal to the amount of the purchase payment credits upon payment of a death benefit or surrender.

Limitations on Use of Contract

If mandated by applicable law, including but not limited to, federal anti-money laundering laws, we may be required to reject a purchase payment. We may also be required to block an owner’s access to contract values and satisfy other statutory obligations. Under these circumstances, we may refuse to implement requests for transfers, surrenders or death benefits until instructions are received from the appropriate governmental authority or court of competent jurisdiction.

The Settlement Date

Annuity payouts are scheduled to begin on the settlement date. This means that the contract will be annuitized (converted to a stream of monthly payments), and the first payment will be sent on the settlement date. If your contract is annuitized, the contract goes into payout mode and only the annuity payout provisions continue. You will no longer have access to your contract value. In addition, the death benefit and any optional benefits you have elected will end.

Generally, the settlement date must be no later than the annuitant’s 95th birthday or the tenth contract anniversary. You can choose to delay the annuitization of your contract to a date beyond age 95, to the extent allowed by applicable tax laws, provided you send us written instructions at least 30 days before annuity payouts begin.

Six months prior to your settlement date, we will contact you with your options, including the option to postpone your settlement date to a future date. If you do not make an election, annuity payouts, using the contract’s default option of Annuity Payout Plan B — Life annuity with 10 years certain, will begin on the settlement date and your monthly annuity payments will continue for as long as the annuitant lives. If the annuitant does not survive 10 years, payments will continue until 10 years of payments have been made.

Generally, if you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your settlement date, your contract will not be automatically annuitized (subject to state requirements). However, if you choose, you can elect to request annuititzation or take partial surrenders to meet your required minimum distributions.

Charges

Contract Administrative Charge

We charge this fee for establishing and maintaining your records. We deduct $30 from the contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value.

We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

If you surrender your contract, we will deduct the charge at the time of surrender regardless of the contract value or purchase payments made. We cannot increase the annual contract administrative charge and it does not apply after annuity payouts begin or when we pay death benefits.

Mortality and Expense Risk Fee

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee. For nonqualified annuities the fee totals 0.95% of the average daily net assets on an annual basis. For qualified annuities the fee totals 0.75% of the average daily net assets on an annual basis. This fee covers the mortality and expense risk that we assume. This fee does not apply to the fixed account.

24 RiverSource Retirement Advisor Variable Annuity — Prospectus

Mortality risk arises because of our guarantee to pay a death benefit and our guarantee to make annuity payouts according to the terms of the contract, no matter how long a specific owner or annuitant lives and no matter how long our entire group of owners or annuitants live. If, as a group, owners or annuitants outlive the life expectancy we assumed in our actuarial tables, we must take money from our general assets to meet our obligations. If, as a group, owners or annuitants do not live as long as expected, we could profit from the mortality risk fee. We deduct the mortality risk fee from the subaccounts during the annuity payout period even if the annuity payout plan does not involve a life contingency.

Expense risk arises because we cannot increase the contract administrative charge and this charge may not cover our expenses. We would have to make up any deficit from our general assets. We could profit from the expense risk fee if future expenses are less than expected.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:

•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;
•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

We may use any profits we realize from the subaccounts’ payment to us of the mortality and expense risk fee for any proper corporate purpose, including, among others, payment of distribution (selling) expenses. We do not expect that the surrender charge, discussed in the following paragraphs, will cover sales and distribution expenses.

MAV Rider Fee

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.15% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you choose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date and it does not apply after annuity payouts begin or when we pay death benefits.

EEB Rider Fee

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you chose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date and it does not apply after annuity payouts begin or when we pay death benefits.

⁽¹⁾	You may select either the MAV or EEB riders. Or you may select the MAV and the EEB. Riders may not be available in all states. The MAV and EEB are only available if you and the annuitant are 75 or younger at the rider effective date.

PN Rider Fee

Before May 10, 2010, we deducted an annual charge of 0.10% of your contract value less any excluded accounts on your contract anniversary at the end of each contract year. This fee is no longer applicable beginning May 10, 2010.

Surrender Charge

If you surrender all or part of your contract, you may be subject to a surrender charge. A surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. The surrender charge percentages that apply to you are shown in your contract.

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA is defined as the greater of:

•	10% of the contract value on the prior contract anniversary; or
•	current contract earnings.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, or the fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.

RiverSource Retirement Advisor Variable Annuity — Prospectus 25

2.	Next we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.
3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7	0	7	4
		8	3
		9	2
		10	0

*	The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.
**	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Partial Surrenders

For a partial surrender that is subject to a surrender charge, the amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge. The surrender charge percentage is applied to this total amount. We pay you the amount you requested.

For an example, see Appendix A.

Liquidation charge under Variable Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. For qualified annuities, the discount rate we use in the calculation will be either 4.72% or 6.22%, depending on the applicable assumed investment rate. For nonqualified annuities, the discount rate we use in the calculation will vary between 4.92% and 6.42%, depending on the applicable assumed investment rate. The liquidation charge equals the present value of the remaining payments using the assumed interest rate minus the present value of the remaining payouts using the discount rate.

Fixed Payouts: Surrender charge under annuity payout plans allowing surrenders of the present value of remaining guaranteed payouts: If you elect an annuity payout plan and the plan we make available provides a liquidity feature permitting you to surrender any portion of the underlying value of remaining guaranteed variable payouts, a surrender charge may apply.

A surrender charge will be assessed against the present value of any remaining guaranteed payouts surrendered. The discount rate we use in determining present values varies based on: (1) the contract value originally applied to the fixed annuitization; (2) the remaining years of guaranteed payouts; (3) the annual effective interest rate and periodic payment amount for new immediate annuities of the same duration as the remaining years of guaranteed payouts; and (4) the interest spread (currently 1.50%). If we do not currently offer immediate annuities, we will use rates and values applicable to new annuitizations to determine the discount rate.

Once the discount rate is applied and we have determined the present value of the remaining guaranteed payouts you are surrendering, the present value determined will be multiplied by the surrender charge percentage in the table below and deducted from the present value to determine the net present value you will receive.

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*

26 RiverSource Retirement Advisor Variable Annuity — Prospectus

Number of Completed Years Since Annuitization	Surrender charge percentage
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuititzation.

We will provide a quoted present value (which includes the deduction of any surrender charge). You must then formally elect, in a form acceptable to us, to receive this value. The remaining guaranteed payouts following surrender will be reduced, possibly to zero.

Surrender charge calculation example

The following is an example of the calculation we would make to determine the surrender charge on a contract that contains a seven-year surrender charge schedule with this history:

•	We received these payments:

–	$10,000 paid on the contract date;
–	$8,000 paid during the sixth contract year;
–	$6,000 paid during the eighth contract year; and

•	The owner surrenders the contract for its total contract value of $26,500 during the tenth contract year and had not made any other surrenders during that contract year; and
•	The contract value was $28,000 on the ninth contract anniversary.

Surrender charge	Explanation
$0	$2,500 is contract earnings surrendered without charge; and
0	$300 is 10% of the prior anniversary’s contract value that is in excess of contract earnings surrendered without charge (from above).
	10% of $28,000 = $2,800 – $2,500 = $300
0	$10,000 purchase payment was received eight or more years before surrender and is surrendered without surrender charge; and
480	$8,000 purchase payment is surrendered with a 6% surrender charge since there have been 3 completed years from date of purchase payment; and
420	$6,000 purchase payment is surrendered with a 7% surrender charge since there has been 1 completed year from date of purchase payment.
$900

Waiver of surrender charges

We do not assess surrender charges for:

•	surrenders of any contract earnings;
•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;
•	amounts surrendered after the tenth contract anniversary in Massachusetts, Washington and Oregon regardless of when payments are made.
•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;
•	contracts settled using an annuity payout plan, unless an Annuity Payout Plan E is later surrendered;
•	amounts we refund to you during the free look period*;
•	death benefits*; and
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 at contract issue. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender if you provide proof

RiverSource Retirement Advisor Variable Annuity — Prospectus 27

satisfactory to us that, as of the date you request the surrender, you or the annuitant are confined to a nursing home and have been for the prior 90 days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.)

* However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Other information on charges: Ameriprise Financial, Inc. makes certain custodial services available to some profit sharing, money purchase and target benefit plans funded by our annuities. Fees for these services start at $30 per calendar year per participant. Ameriprise Financial, Inc. will charge a termination fee for owners under age 59½ (fee waived in case of death or disability).

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate the contract administrative and surrender charges. However, we expect this to occur infrequently.

Fund Fees and Expenses

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds.

Premium Taxes

Certain state and local governments impose premium taxes on us (up to 3.5%). These taxes depend upon your state of residence or the state in which the contract was sold. Currently, we deduct any applicable premium tax when annuity payouts begin, but we reserve the right to deduct this tax at other times such as when you surrender your contract.

Valuing Your Investment

We value your accounts as follows:

The Fixed Account

We value the amounts allocated to the fixed account directly in dollars. The fixed account value equals:

•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out,
•	minus any prorated portion of the contract administrative charge;
•	minus any prorated portion of the MAV rider fee (if selected); and
•	minus any prorated portion of the EEB rider fee (if selected).

Subaccounts

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payments credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount or we assess a contract administrative charge, surrender charge or fee for any optional riders with annual charges (if applicable).

The accumulation units are the true measure of investment value in each subaccount during the accumulation period. They are related to, but not the same as, the net asset value of the fund in which the subaccount invests. The dollar value of each accumulation unit can rise or fall daily depending on the variable account expenses, performance of the fund and on certain fund expenses. Here is how we calculate accumulation unit values:

Number of units: to calculate the number of accumulation units for a particular subaccount we divide your investment by the current accumulation unit value.

Accumulation unit value: the current accumulation unit value for each subaccount equals the last value times the subaccount’s current net investment factor.

We determine the net investment factor by:

•	adding the fund’s current net asset value per share, plus the per share amount of any accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then
•	dividing that sum by the previous adjusted net asset value per share; and
•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

28 RiverSource Retirement Advisor Variable Annuity — Prospectus

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:

•	additional purchase payments you allocate to the subaccounts;
•	any purchase payment credits allocated to the subaccounts;
•	transfers into or out of the subaccounts;
•	partial surrenders;
•	surrender charges;

and a deduction of:

•	a prorated portion of the contract administrative charge;
•	a prorated portion of the MAV rider charge (if selected); and/or
•	a prorated portion of the EEB rider charge (if selected).

Accumulation unit values will fluctuate due to:

•	changes in fund net asset value;
•	fund dividends distributed to the subaccounts;
•	fund capital gains or losses;
•	fund operating expenses; and/or
•	mortality and expense risk fees.

Making the Most of Your Contract

Automated Dollar-Cost Averaging

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. You may not set up an automated transfer if the PN program is in effect. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works

By investing an equal number of dollars each month		Month	Amount invested	Accumulation unit value	Number of units purchased
		Jan	$100	$20	5.00
		Feb	100	18	5.56
you automatically buy more units when the per unit market price is low		Mar	100	17	5.88
	→	Apr	100	15	6.67
		May	100	16	6.25
		Jun	100	18	5.56
		Jul	100	17	5.88
and fewer units when the per unit market price is high.		Aug	100	19	5.26
and fewer units when the per unit market price is high.	→	Sept	100	21	4.76
		Oct	100	20	5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

Dollar-cost averaging does not guarantee that any subaccount will gain in value nor will it protect against a decline in value if market prices fall. Because dollar-cost averaging involves continuous investing, your success will depend upon your willingness to continue to invest regularly through periods of low price levels. Dollar-cost averaging can be an effective way to help meet your long-term goals. For specific features contact your financial advisor.

RiverSource Retirement Advisor Variable Annuity — Prospectus 29

Asset Rebalancing

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semiannually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in numbers with no more than one digit past the decimal. Asset rebalancing does not apply to the fixed account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

You can change your percentage allocations or your rebalancing period at any time by contacting us in writing. We will restart the rebalancing period you selected as of the date we record your change. You also can ask us in writing or by any other method acceptable to us, to stop rebalancing your contract value. You must allow 30 days for us to change any instructions that currently are in place. For more information on asset rebalancing, contact your financial advisor.

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program” below).

Portfolio Navigator Program (PN Program)

If you are participating in the PN program, your contract value is allocated to a PN program investment option. The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”). You do not need to participate in the PN program to allocate your contract value to one or more Portfolio Navigator funds available under the PN program. You may choose to discontinue your participation in the PN program at any time.

The PN program also allows those who participated in a previous version of the PN program and who previously opted out of the transfer of their contract value to Portfolio Navigator funds to remain invested in accordance with a “static” PN program model portfolio investment option that is not subject to updating or reallocation. For more information on the static model portfolios, see “The static model portfolios” below.

You should review any PN program information, including the prospectus for the funds of funds, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program.

The Portfolio Navigator funds. We offer the following Portfolio Navigator funds:

1. Variable Portfolio – Aggressive Portfolio

2. Variable Portfolio – Moderately Aggressive Portfolio

3. Variable Portfolio – Moderate Portfolio

4. Variable Portfolio – Moderately Conservative Portfolio

5. Variable Portfolio – Conservative Portfolio

Each of the Portfolio Navigator funds is a fund of funds with the investment objective of seeking a high level of total return consistent with a certain level of risk by investing in various underlying funds. For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

The static model portfolios. If you have chosen to remain invested in a “static” PN program model portfolio investment option, your assets will remain invested in accordance with your current model portfolio, and you will not be provided with any updates to the model portfolio or reallocation recommendations. (The last such reallocation recommendation was provided in 2009.) Each model portfolio consists of underlying funds according to the allocation percentages stated for the model portfolio. If you are participating in the PN program through a model portfolio, you instruct us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

If you choose to remain in a static model portfolio, the investments and investment styles and policies of the underlying funds in which your contract value is invested may change. Accordingly, your model portfolio may change so that it is no longer appropriate for your needs, even though your allocations to underlying funds do not change. Furthermore, the absence of periodic updating means that existing underlying funds will not be replaced as may be appropriate due to poor performance, changes in management personnel, liquidation, merger or other factors.

Although the model portfolios are no longer maintained on an ongoing basis, the asset allocations in the model portfolios may have been affected by conflicts of interest similar to those to which the funds of funds are subject. Certain of the underlying funds in the model portfolios are managed by Columbia Management or an affiliate while others are not, and we or our affiliate had an incentive to specify greater allocation percentages for the affiliated underlying funds.

30 RiverSource Retirement Advisor Variable Annuity — Prospectus

Participating in the PN program. You are responsible for determining which investment option is best for you. Your financial advisor can help you make this determination. In addition, your financial advisor may provide you with an investor questionnaire, a tool to help define your investing style that is based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. Your responses to the investor questionnaire can help you determine which model portfolio or investment option most closely matches your investing style. While the scoring of the investor questionnaire is objective, there is no guarantee that your responses to the investor questionnaire accurately reflect your tolerance for risk. Similarly, there is no guarantee that the investment option (or the asset mix reflected in the model portfolio, if applicable) you select or have selected after completing the investor questionnaire is appropriate to your ability to withstand investment risk. RiverSource Life is not responsible for your decision to participate in the PN program, your selection of a specific investment option or model portfolio, if applicable, or your decision to change to a different investment option.

Currently, there are five Portfolio Navigator funds (and under the previous PN program five static model portfolio investment options) ranging from conservative to aggressive. You may not use more than one investment option or model portfolio at a time. Each investment option is a fund of funds. Each model portfolio consists of subaccounts and/or the regular fixed account (if included) according to the allocation percentages stated for the model portfolio. If you are participating in the PN program in a model portfolio, you also instruct us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

You may request a change to your fund of funds (or a transfer from your model portfolio to a fund of funds) up to twice per contract year by written request on an authorized form or by another method agreed to by us. We reserve the right to change the terms and conditions of the PN program upon written notice to you. This includes but is not limited to the right to:

•	limit your choice of investment options based on the amount of your initial purchase payment we accept or your contract value when you take a surrender;
•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and
•	discontinue the PN program after 30 days’ written notice.

Risks. An investment in a fund involves risk. Principal risks associated with an investment in a fund may be found in the relevant fund’s prospectus. There is no assurance that the funds will achieve their respective investment objectives. In addition, there is no guarantee that the fund’s strategy will have its intended effect or that it will work as effectively as is intended.

Investing in a Portfolio Navigator fund or PN program static model portfolio does not guarantee that your contract will increase in value nor will it protect in a decline in value if market prices fall. Depending on future market conditions and considering only the potential return on your investment in the fund, you might benefit (or benefit more) from selecting alternative investment options.

For more information and a list of the risks associated with investing in the funds, please consult the applicable funds’ prospectus and “The Variable Account and the Funds – Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management” section in this prospectus.

Conflicts of interest. In providing investment advisory services for the funds of funds and the underlying funds in which the funds of funds invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management or one of its affiliates serves as the investment adviser to the underlying funds and may provide other services in connection with such underlying funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying fund.

For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the funds’ prospectus and “The Variable Account and the Funds – Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management” section in this prospectus.

Transferring Among Accounts

The transfer rights discussed in this section do not apply while the PN program is in effect. You may transfer contract value from any one subaccount, or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the fixed account.

The date your request to transfer will be processed depends on when and how we receive it:

For transfer requests received in writing:

•	If we receive your transfer request at our Service Center in good order before the close of business, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.

RiverSource Retirement Advisor Variable Annuity — Prospectus 31

•	If we receive your transfer request at our Service Center in good order at or after the close of business, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

For transfer requests received by phone:

•	If we receive your transfer request at our Service Center in good order before the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.
•	If we receive your transfer request at our Service Center in good order at or after the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies

•

Before annuity payouts begin, you may transfer contract values between the subaccounts. You may also transfer contract values from the subaccounts to the fixed account. However, if you made a transfer from the fixed account to the subaccounts, you may not make a transfer from any subaccount back to the fixed account until the next contract anniversary^.Effective on April 6, 2020⁽¹⁾, transfers to the fixed account (if allowed under your contract), are limited so the amount of contract value transferred to the fixed account cannot result in the value of the fixed account being greater than 20% of the contract value. If the fixed account is currently 20% or more of the contract value, we will not accept any transfers to the fixed account. If the fixed account is 20% or more of the contract value, you will not be required to transfer out of the fixed account. Additional transfers into the fixed account will not be allowed unless the value of the fixed account drops to less than 20% of the contract value.

⁽¹⁾	This restriction does not apply to contracts issued in New Jersey and Oregon.

•	You may transfer contract values from the fixed account to the subaccounts once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums).
•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.
•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the valuation date we receive it.
•	We will not accept requests for transfers from the fixed account at any other time.
•	Once annuity payouts begin, you may not make transfers to or from the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Market Timing

Market timing can reduce the value of your investment in the contract. If market timing causes the returns of an underlying fund to suffer, contract value you have allocated to a subaccount that invests in that underlying fund will be lower too. Market timing can cause you, any joint owner of the contract and your beneficiary(ies) under the contract a financial loss.

We seek to prevent market timing. Market timing is frequent or short-term trading activity. We do not accommodate short-term trading activities. Do not buy a contract if you wish to use short-term trading strategies to manage your investment. The market timing policies and procedures described below apply to transfers among the subaccounts within the contract. The underlying funds in which the subaccounts invest have their own market timing policies and procedures. The market timing policies of the underlying funds may be more restrictive than the market timing policies and procedures we apply to transfers among the subaccounts of the contract, and may include redemption fees. We reserve the right to modify our market timing policies and procedures at any time without prior notice to you.

Market timing may hurt the performance of an underlying fund in which a subaccount invests in several ways, including but not necessarily limited to:

•	diluting the value of an investment in an underlying fund in which a subaccount invests;
•	increasing the transaction costs and expenses of an underlying fund in which a subaccount invests; and
•	preventing the investment adviser(s) of an underlying fund in which a subaccount invests from fully investing the assets of the fund in accordance with the fund’s investment objectives.

32 RiverSource Retirement Advisor Variable Annuity — Prospectus

Funds available as investment options under the contract that invest in securities that trade in overseas securities markets may be at greater risk of loss from market timing, as market timers may seek to take advantage of changes in the values of securities between the close of overseas markets and the close of U.S. markets. Also, the risks of market timing may be greater for underlying funds that invest in securities such as small cap stocks, high yield bonds, or municipal securities, that may be traded infrequently.

In order to help protect you and the underlying funds from the potentially harmful effects of market timing activity, we apply the following market timing policy to discourage frequent transfers of contract value among the subaccounts of the variable account:

We try to distinguish market timing from transfers that we believe are not harmful, such as periodic rebalancing for purposes of an asset allocation, dollar-cost averaging and asset rebalancing program that may be described in this prospectus. There is no set number of transfers that constitutes market timing. Even one transfer in related accounts may be market timing. We seek to restrict the transfer privileges of a contract owner who makes more than three subaccount transfers in any 90 day period. We also reserve the right to refuse any transfer request, if, in our sole judgment, the dollar amount of the transfer request would adversely affect unit values.

If we determine, in our sole judgment, that your transfer activity constitutes market timing, we may modify, restrict or suspend your transfer privileges to the extent permitted by applicable law, which may vary based on the state law that applies to your contract and the terms of your contract. These restrictions or modifications may include, but not be limited to:

•	requiring transfer requests to be submitted only by first-class U.S. mail;
•	not accepting hand-delivered transfer requests or requests made by overnight mail;
•	not accepting telephone or electronic transfer requests;
•	requiring a minimum time period between each transfer;
•	not accepting transfer requests of an agent acting under power of attorney;
•	limiting the dollar amount that you may transfer at any one time;
•	suspending the transfer privilege; or
•	modifying instructions under an automated transfer program to exclude a restricted fund if you do not provide new instructions.

Subject to applicable state law and the terms of each contract, we will apply the policy described above to all contract owners uniformly in all cases. We will notify you in writing after we impose any modification, restriction or suspension of your transfer rights.

Because we exercise discretion in applying the restrictions described above, we cannot guarantee that we will be able to identify and restrict all market timing activity. In addition, state law and the terms of some contracts may prevent us from stopping certain market timing activity. Market timing activity that we are unable to identify and/or restrict may impact the performance of the underlying funds and may result in lower contract values.

In addition to the market timing policy described above, which applies to transfers among the subaccounts within your contract, you should carefully review the market timing policies and procedures of the underlying funds. The market timing policies and procedures of the underlying funds may be materially different than those we impose on transfers among the subaccounts within your contract and may include mandatory redemption fees as well as other measures to discourage frequent transfers. As an intermediary for the underlying funds, we are required to assist them in applying their market timing policies and procedures to transactions involving the purchase and exchange of fund shares. This assistance may include but not be limited to providing the underlying fund upon request with your Social Security Number, Taxpayer Identification Number or other United States government-issued identifier and the details of your contract transactions involving the underlying fund. An underlying fund, in its sole discretion, may instruct us at any time to prohibit you from making further transfers of contract value to or from the underlying fund, and we must follow this instruction. We reserve the right to administer and collect on behalf of an underlying fund any redemption fee imposed by an underlying fund. Market timing policies and procedures adopted by underlying funds may affect your investment in the contract in several ways, including but not limited to:

•	Each fund may restrict or refuse trading activity that the fund determines, in its sole discretion, represents market timing.

•

RiverSource Retirement Advisor Variable Annuity — Prospectus 33

	underlying fund’s market timing policies and procedures will do so. Orders we place to purchase fund shares for the variable accounts are subject to acceptance by the fund. We reserve the right to reject without prior notice to you any transfer request if the fund does not accept our order.
•	Each underlying fund is responsible for its own market timing policies, and we cannot guarantee that we will be able to implement specific market timing policies and procedures that a fund has adopted. As a result, a fund’s returns might be adversely affected, and a fund might terminate our right to offer its shares through the variable account.
•	Funds that are available as investment options under the contract may also be offered to other intermediaries who are eligible to purchase and hold shares of the fund, including without limitation, separate accounts of other insurance companies and certain retirement plans. Even if we are able to implement a fund’s market timing policies, we cannot guarantee that other intermediaries purchasing that same fund’s shares will do so, and the returns of that fund could be adversely affected as a result.

For more information about the market timing policies and procedures of an underlying fund, the risks that market timing pose to that fund, and to determine whether an underlying fund has adopted a redemption fee, see that fund’s prospectus.

How to Request a Transfer or Surrender

11 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers or surrenders:	Contract value or entire account balance

*	Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

22 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers among your subaccounts or fixed account or partial surrenders from the accounts.

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.

•	Automated transfers from the fixed account to any one of the subaccounts may not exceed an amount that, if continued, would deplete the fixed account within 12 months.
•	Automated surrenders may be restricted by applicable law under some contracts.
•	You may not make additional systematic payments if automated partial surrenders are in effect.
•	Automated partial surrenders may result in IRS taxes and penalties on all or part of the amount surrendered.
•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.
•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.
•	If the PN program is in effect, you are not allowed to set up automated transfers.

Minimum amount
Transfers or surrenders:	$50

Maximum amount
Transfers or surrenders:	None (except for automated transfers from the fixed account)

34 RiverSource Retirement Advisor Variable Annuity — Prospectus

33 By telephone

Call:

1-800-862-7919

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers:	Contract value or entire account balance
Surrenders:	$100,000

We answer telephone requests promptly, but you may experience delays when the call volume is unusually high. If you are unable to get through, use the mail procedure as an alternative.

We will honor any telephone transfer or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and tape recording calls. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before annuity payouts begin by sending us a written request or calling us.

The date your surrender request will be processed depends on when and how we receive it:

For surrender requests received in writing:

•	If we receive your surrender request at our Service Center in good order before the close of business, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of business, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

For surrender requests received by phone:

•	If we receive your surrender request at our Service Center in good order before the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may apply (see “Taxes”). You cannot make surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period — Annuity Payout Plans”).

Any partial surrender you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

Surrender Policies

If you have a balance in more than one account and you request a partial surrender, we will withdraw money from all your subaccounts and/or the fixed account in the same proportion as your value in each account correlates to your total contract value, unless you request otherwise. The minimum contract value after partial surrender is $600.

RiverSource Retirement Advisor Variable Annuity — Prospectus 35

Receiving Payment

11 By regular or express mail

•	payable to you;
•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

22 By wire or other form of electronic payment

•	request that payment be wired to your bank;
•	pre-authorization required.

We may choose to permit you to have checks issued and delivered to an alternate payee or to an address other than your address of record. We may also choose to allow you to direct wires or other electronic payments to accounts owned by a third-party. We may have additional good order requirements that must be met prior to processing requests to make any payments to a party other than the owner or to an address other than the address of record. These requirements will be designed to ensure owner instructions are genuine and to prevent fraud.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

We may also postpone payment of the amount attributable to a purchase payment as part of the total surrender amount until cleared from the originating financial institution.

A Special Note on Cybersecurity Risks

Cybersecurity and Systems Integrity

Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners.

This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:

•	the corruption or destruction of data;
•	theft, misuse or dissemination of data to the public, including your information we hold; and
•	denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.

These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches.

TSA — Special Provisions

Participants in Tax-Sheltered Annuities

36 RiverSource Retirement Advisor Variable Annuity — Prospectus

subject to ERISA to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder, unless we have prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The employer must comply with certain nondiscrimination requirements for certain types of contributions under a TSA contract to be excluded from taxable income. You should consult your employer to determine whether the nondiscrimination rules apply to you.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:

•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

–	you are at least age 59½;
–	you are disabled as defined in the Code;
–	you severed employment with the employer who purchased the contract;
–	the distribution is because of your death;
–	the distribution is due to plan termination; or
–	you are a qualifying military reservist.

•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.
•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).
•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.
•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our Service Center. The change will become binding on us when we receive and record it. We will honor any change of ownership request received in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the MAV or EEB. The terms of the EEB and the MAV will change due to a change of ownership. If either the new owner or the annuitant is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over”. We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If either the new owner or the annuitant is older than age 75, the MAV will terminate. If the MAV on the date of ownership change is greater than the account value on the date of the ownership change, we will set the MAV equal to the account value. Otherwise, the MAV value will not change due to a change in ownership. Please see the descriptions of these riders in “Optional Benefits.”

The rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force) for any rider that continues after a change of ownership. We reserve the right to assess charges for the number of days the rider was in force for any rider that is terminated due to a change of ownership.

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in a similar capacity, ownership of the contract may be transferred to the annuitant.

RiverSource Retirement Advisor Variable Annuity — Prospectus 37

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon the earlier of your death or the annuitant’s death if you die before the settlement date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner or the annuitant.

If both you and the annuitant are age 80 or younger on the date of death, the beneficiary receives the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges;
•	purchase payments minus adjusted partial surrenders; or
•	the contract value as of the most recent sixth contract anniversary, preceding the date of death, plus any purchase payments since that anniversary, minus adjusted partial surrenders since that anniversary.

If either you or the annuitant are age 81 or older on the date of death, the beneficiary receives the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

Adjusted partial surrenders	=	PS x DB
		CV

PS	=	the amount by which the contract value is reduced as a result of the partial surrender.
DB	=	is the death benefit on the date of (but prior to) the partial surrender.
CV	=	the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you and the annuitant are age 80 or younger:

•	You purchase the contract with a payment of $20,000.
•	On the sixth contract anniversary the contract value grows to $30,000.
•	During the seventh contract year the contract value falls to $28,000 at which point you take a $1,500 partial surrender, leaving a contract value of $26,500.

We calculate the death benefit as follows:
	The contract value on the most recent sixth contract anniversary:	$30,000.00
	plus purchase payments made since that anniversary:	+0.00
	minus adjusted partial surrenders taken since that anniversary calculated as:
	$1,500 x $30,000	–1,607.14
	$28,000
	for a death benefit of:	$28,392.86

If You Die Before Your Settlement Date

When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are fulfilled. We will determine the contract’s value using the next accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

If your beneficiary is not your spouse, we will pay the beneficiary in a lump sum unless you give us other written instructions. Generally, we must fully distribute the death benefit within five years of your death. However, the beneficiary may receive payouts under any annuity payout plan available under this contract if:

•	the beneficiary elects in writing, and payouts begin, no later than one year after your death, or other date as permitted by the IRS; and
•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

38 RiverSource Retirement Advisor Variable Annuity — Prospectus

Qualified annuities

•

Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own, so long as he or she is eligible to do so, with the contract value equal to the death benefit that would otherwise have been paid or elect an annuity payout plan or another plan agreed to by us. If your spouse elects a payout plan, the payouts must begin no later than the year in which you would have reached age 72 (age 70 ½ if the death occurred before Jan. 1, 2020). If you attained age 72 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.

	If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.
	We will not waive surrender charges on contracts continued under the spousal continuation provision.

•

Non-spouse beneficiary: If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is required to withdraw his or her entire inherited interest within 10 years of the date of death of the owner unless they qualify as an “eligible designated beneficiary.” Eligible designated beneficiaries may continue to take proceeds out over their life expectancy. Eligible designated beneficiaries include:

•	the surviving spouse;
•	a lawful child of the owner under the age of majority (remaining amount must be withdrawn within 10 years, once the child reaches the age of majority);
•	disabled within the meaning of Code section 72(m)(7);
•	chronically ill within the meaning of Code section 7702B(c)(2);
•	any other person who is not more than 10 years younger than the owner.

However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA.

We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under a payout plan available under this contract and:

•	the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy for an eligible designated beneficiary. (Payout plans are limited if the beneficiary is not an eligible designated beneficiary.)

•

Spouse and Non-spouse beneficiary: If a beneficiary elects an alternative payment plan which is an inherited IRA, all optional death benefits will terminate. The beneficiary must submit the applicable investment options form. No additional purchase payments will be accepted. The death benefit payable on the death of the beneficiary is the greater of the contract value and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit.

•

Annuity payout plan: If you elect an annuity payout plan, the payouts to your beneficiary may continue depending on the annuity payout plan you elect, subject to adjustment to comply with the IRS rules and regulations.

Death benefit payment in a lump sum: We may pay all or part of the death benefit to your beneficiary in a lump sum under either a nonqualified or qualified annuity. We pay all proceeds by check (unless the beneficiary has chosen to have death benefit proceeds directly deposited into another Ameriprise Financial, Inc. account).

How we handle contracts under unclaimed property laws

Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of one to five years from either 1) the contract’s maturity date (the latest day on which income payments may begin under the contract) or 2) the date the death benefit is due and payable. If a contract matures or we determine a death benefit is payable, we will use our best efforts to locate you or designated beneficiaries. If we are unable to locate you or a beneficiary, proceeds will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or you last resided, as shown in our books and records, or to our state of domicile. Generally, this surrender of property to the state is commonly referred to as “escheatment”. To avoid escheatment, and ensure an effective process for your beneficiaries, it is important that your personal address and beneficiary designations are up to date, including complete names, date of birth, current addresses and phone numbers, and taxpayer identification numbers for each beneficiary. Updates to your address or beneficiary designations should be sent to our Service Center.

Escheatment may also be required by law if a known beneficiary fails to demand or present an instrument or document to claim the death benefit in a timely manner, creating a presumption of abandonment. If your beneficiary steps forward (with the proper documentation) to claim escheated annuity proceeds, the state is obligated to pay any such proceeds it is holding.

For nonqualified annuities, non-spousal death benefits are generally required to be distributed and taxed within five years from the date of death of the owner/annuitant or the unclaimed death benefits will be presumed abandoned and subject to escheatment.

RiverSource Retirement Advisor Variable Annuity — Prospectus 39

Optional Benefits

The assets held in our general account support the guarantees under your contract, including optional death benefits. To the extent that we are required to pay you amounts in addition to your contract value under these benefits, such amounts will come from our general account assets. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from assets in our general account. Our general account is not segregated or insulated from the claims of our creditors. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account.

Maximum Anniversary Value Death Benefit (MAV)

The MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The MAV does not provide any additional benefit before the first contract anniversary after the rider effective date. The MAV may be of less value if you or the annuitant is older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum anniversary value at age 81, the MAV rider fee continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to fixed account values during the time you have amounts allocated to the fixed account. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

If both you and the annuitant are age 75 or younger at contract issue, you may choose to add the MAV to your contract. Generally, you must elect the MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the MAV may be after we issue the contract according to terms determined by us and at our sole discretion.

On the first contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every contract anniversary after that, through age 80, we compare the previous anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value if the current contract value is higher. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders; or
•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

Terminating the MAV

•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must, within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider. If, at the time he or she elects to continue the contract, your spouse has not yet reached age 76 and chooses not to continue the MAV rider, the contract value will be increased to the MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

Example

40 RiverSource Retirement Advisor Variable Annuity — Prospectus

•	You add the MAV when your contract value is $20,000.
•	On the first contract anniversary after the rider effective date the contract value grows to $24,000.
•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.

We calculate the death benefit as follows:
The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$24,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	($1,500 × $24,000)	=	–1,636
	$22,000	=
	for a death benefit of:		$22,364

Enhanced Earnings Death Benefit (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides reduced benefits if you or the annuitant is age 70 or older at the rider effective date and it does not provide any additional benefit before the first contract anniversary after the rider effective date. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor whether or not the EEB is appropriate for your situation.

If both you and the annuitant are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract. We will determine the rider effective date for the EEB added after we issue the contract according to terms determined by us and at our sole discretion.

The EEB provides that if you or the annuitant dies after the first contract anniversary after the rider effective date, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:

•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”) or the MAV death benefit amount, if applicable,

PLUS

•	40% of your earnings at death if you and the annuitant were under age 70 on the rider effective date; or
•	15% of your earnings at death if you or the annuitant were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB: If the rider effective date for the EEB is the contract issue date, earnings at death is an amount equal to:

•	the standard death benefit amount or the MAV death benefit amount, if applicable (the “death benefit amount”)
•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount

•	minus the greater of:

•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date.

•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

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The earnings at death may not be less than zero and may not be more than 250% multiplied by:

•	the greater of:

•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since the rider effective date

•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB

•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.
•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

Example of the EEB

•	You purchased the contract with a purchase payment of $100,000. You add the EEB rider when your contract value is $100,000 and both you and the annuitant are under age 70. You selected the seven-year surrender charge schedule, the MAV and the EEB.
•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value, or $105,000. You have not reached the first contract anniversary after the rider effective date so the EEB does not provide any additional benefit at this time.
•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:

MAV death benefit amount (contract value):	$110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:

MAV death benefit amount (maximum anniversary value):	$110,000
plus the EEB (40% of earnings at death):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 5% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 5% surrender charge because your purchase payment is four years old, so we will surrender $39,500 ($37,525 + $1,975 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):
$110,000 –	($50,000 × $110,000)	=	$57,619
	$105,000
plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048
Total death benefit of:			$58,667

•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58.667. The reduction in contract value has no effect.

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•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:

MAV death benefit amount (contract value):	$200,000
plus the EEB (40% of earnings at death)
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$255,000

•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEB (40% of earnings at death, up to a maximum of 100% of purchase payments not previously surrendered that are one or more years old)
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$305,000

•	During the eleventh contract year the contract value remains $250,000 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,000 – $105,000) =	+58,000
Total death benefit of:	$308,000

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If the spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract then he or she may choose to continue the EEB. In this case, the following conditions will apply:

•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”
•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.
•	the rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

The Annuity Payout Period

As owner of the contract, you have the right to decide how and to whom annuity payouts will be made starting at the settlement date. You may select one of the annuity payout plans outlined below, or we may mutually agree on other payout arrangements. We do not deduct surrender charges upon settlement but surrender charges may be applied when electing to exercise liquidity features we may make available under certain fixed annuity payout options.

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your settlement date (after any rider charges have been deducted, less any purchase payment credits subject to reversal and less any applicable premium tax). Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts and Taxes — Qualified Annuities — Annuity payouts.” During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Amounts of fixed and variable payouts depend on:

•	the annuity payout plan you select;
•	the annuitant’s age and, in most cases, the annuitant’s sex;

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•	the annuity table in the contract; and
•	the amounts you allocated to the accounts at settlement.

In addition, for variable payouts only, amounts depend on the investment performance of the subaccounts you select. These payouts will vary from month to month based on the performance of the funds. Fixed payouts generally remain the same from month to month unless you have elected an option providing for increasing payments or are exercising any available liquidity features we may offer and you have elected.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

Annuity Tables

The annuity tables in your contract (Table A and Table B) show the amount of the monthly payout for each $1,000 of contract value according to the age and, when applicable, the sex of the annuitant. (Where required by law, we will use a unisex table of settlement rates.)

Table A shows the amount of the first variable payout assuming that the contract value is invested at the beginning of the annuity payout period and earns a 5% rate of return, which is reinvested and helps to support future payouts. If you ask us at least 30 days before the settlement date, we will substitute an annuity table based on an assumed 3.5% investment rate for the 5% Table A in the contract. The assumed investment rate affects both the amount of the first payout and the extent to which subsequent payouts increase or decrease. For example, annuity payouts will increase if the investment return is above the assumed investment rate and payouts will decrease if the return is below the assumed investment rate. Using the 5% assumed interest rate Table A results in a higher initial payment, but later payouts will increase more slowly when annuity unit values rise and decrease more rapidly when they decline.

Table B shows the minimum amount of each fixed payout. Amounts in Table B are based on the guaranteed annual effective interest rate shown in your contract. We declare current payout rates that we use in determining the actual amount of your fixed payout. The current payout rates will equal or exceed the guaranteed payout rates shown in Table B. We will furnish these rates to you upon request.

Annuity Payout Plans

We make available variable annuity payouts where payout amounts may vary based on the performance of the variable account. We may also make fixed annuity payouts available where payments of a fixed amount are made for the period specified in the plan, subject to any surrender we may permit. You may choose any one of these annuity payout plans by giving us written instructions at least 30 days before the settlement date:

•	Plan A — Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.
•	Plan B — Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary in the event the annuitant dies before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.
•	Plan C — Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.
•	Plan D — Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.
•	Plan E — Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that an annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining payouts and pay it to you in a lump sum.

For Plan A, if the annuitant dies before the initial payment, no payments will be made. For Plan B, if the annuitant dies before the initial payment, the payments will continue for the guaranteed payout period. For Plan C, if the annuitant dies before the initial payment, the payments will continue for the installment refund period. For Plan D, if both annuitants die before the initial payment, no payments will be made; however, if one annuitant dies before the initial payment, the payments will continue until the death of the surviving annuitant.

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In addition to the annuity payout plans described above, we may offer additional payout plans. These plans may include cash refund features providing a guarantee of receiving at least a return of the settlement amount (less any annuity payments made and premium tax paid) in the event of the annuitant’s death, term certain installment plans with varying durations, and liquidity features allowing access under certain circumstances to a surrender of the underlying value of remaining payouts. Terms and conditions of annuity payout plans will be disclosed at the time of election, including any associated fees or charges. It is important to remember that the election and use of liquidity features may either reduce the amount of future payouts you would otherwise receive or result in payouts ceasing.

Utilizing a liquidity feature to surrender the underlying value of remaining payouts may result in the assessment of a surrender charge (See “Charges — Surrender charge”) or a 10% IRS penalty tax. (See “Taxes.”).

Annuity payout plan requirements for qualified annuities: If your contract is a qualified annuity, you must select a payout plan as of the settlement date set forth in your contract. You have the responsibility for electing a payout plan under your contract that complies with applicable law. Your contract describes your payout plan options. The options will generally meet certain IRS regulations governing RMDs if the payout plan meets the incidental distribution benefit requirements, if any, and the payouts are made:

•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or
•	over a period certain not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary.

If we do not receive instructions: You must give us written instructions for the annuity payouts at least 30 days before the annuitant’s settlement date. If you do not, we will make payouts under Plan B, with 120 monthly payouts guaranteed. Contract values that you allocated to the fixed account will provide fixed dollar payouts and contract values that you allocated among the subaccounts will provide variable annuity payouts.

If monthly payouts would be less than $20: We will calculate the amount of monthly payouts at the time amounts are applied to a payout plan. If the calculations show that monthly payouts would be less than $20, we have the right to pay the contract value to the owner in a lump sum or to change the frequency of the payouts.

Death after annuity payouts begin: If you die after annuity payouts begin, we will pay any amount payable to the beneficiary as provided in the annuity payout plan in effect. Payments to beneficiaries are subject to adjustment to comply with the IRS rules and regulations.

Taxes

Under current law, your contract has a tax-deferral feature. Generally, this means you do not pay income tax until there is a taxable distribution (or deemed distribution) from the contract. We will send a tax information reporting form for any year in which we made a taxable or reportable distribution according to our records.

Nonqualified Annuities

Generally, only the increase in the value of a non-qualified annuity contract over the investment in the contract is taxable. Certain exceptions apply. Federal tax law requires that all nonqualified deferred annuity contracts issued by the same company (and possibly its affiliates) to the same owner during a calendar year be taxed as a single, unified contract when distributions are taken from any one of those contracts.

Annuity payouts: Generally, unlike surrenders described below, the income taxation of annuity payouts is subject to exclusion ratios (for fixed annuity payouts) or annual excludable amounts (for variable annuity payouts). In other words, in most cases, a portion of each payout will be ordinary income and subject to tax, and a portion of each payout will be considered a return of part of your investment in the contract and will not be taxed. All amounts you receive after your investment in the contract is fully recovered will be subject to tax. Under Annuity Payout Plan A: Life annuity — no refund, where the annuitant dies before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the owner for the last taxable year. Under all other annuity payout plans, where the annuity payouts end before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the taxpayer for the tax year in which the payouts end. (See “The Annuity Payout Period — Annuity Payout Plans.”)

Federal tax law permits taxpayers to annuitize a portion of their nonqualified annuity while leaving the remaining balance to continue to grow tax-deferred. Under the partial annuitization rules, the portion annuitized must be received as an annuity for a period of 10 years or more, or for the lives of one or more individuals. If this requirement is met, the annuitized portion and the tax-deferred balance will generally be treated as two separate contracts for income tax purposes only. If a contract is partially annuitized, the investment in the contract is allocated between the deferred and the annuitized portions on a pro rata basis.

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Surrenders: Generally, if you surrender all or part of your nonqualified annuity before your annuity payouts begin, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 59½ unless certain exceptions apply.

Withholding: If you receive taxable income as a result of an annuity payout or surrender, including surrenders under any optional withdrawal benefit rider, we may deduct federal, and in some cases state withholding against the payment. Any withholding represents a prepayment of your income tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, and you have a valid U.S. address, you may be able to elect not to have federal income tax withholding occur.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Some states also may impose income tax withholding requirements similar to the federal withholding described above or may allow you to elect withholding. If this should be the case, we may deduct state income tax withholding from the payment.

Death benefits to beneficiaries: The death benefit under a nonqualified contract is not exempt from estate (federal or state) taxes. In addition, for income tax purposes, any amount your beneficiary receives that exceeds the remaining investment in the contract is taxable as ordinary income to the beneficiary in the year he or she receives the payments. (See “Benefits in Case of Death — If You Die Before the Settlement Date”).

Net Investment Income Tax (also known as Medicare contribution tax): Effective for taxable years beginning on or after January 1, 2013, certain investment income of high-income individuals (as well as estates and trusts) is subject to a 3.8% net investment income tax (as an addition to income taxes). For individuals, the 3.8% tax applies to the lesser of (1) the amount by which the taxpayer’s modified adjusted gross income exceeds $200,000 ($250,000 for married filing jointly and surviving spouses; $125,000 for married filing separately) or (2) the taxpayer’s “net investment income.” Net investment income includes taxable income from nonqualified annuities. Annuity holders are advised to consult their tax advisor regarding the possible implications of this additional tax.

Annuities owned by corporations, partnerships or irrevocable trusts: For nonqualified annuities, any annual increase in the value of annuities held by such entities (nonnatural persons) generally will be treated as ordinary income received during that year. However, if the trust was set up for the benefit of a natural person(s) only, the income may generally remain tax-deferred until surrendered or paid out.

Penalties: If you receive amounts from your nonqualified annuity before reaching age 59½, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty will not apply to any amount received:

•	because of your death or in the event of nonnatural ownership, the death of the annuitant;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if it is allocable to an investment before Aug. 14, 1982; or
•	if annuity payouts are made under immediate annuities as defined by the Code.

Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for a full consideration. Please consult your tax advisor for further details.

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contract to the new policy or contract. In a 1035 exchange one policy or contract is exchanged for another policy or contract. The following can qualify as nontaxable exchanges: (1) the exchange of a life insurance policy for another life insurance policy or for an endowment, annuity or qualified long-term care insurance contract, (2) the exchange of an endowment contract for an annuity or qualified long-term care insurance contract, or for an endowment contract under which payments will begin no later than payments would have begun under the contract exchanged, (3) the exchange of an annuity contract for another annuity contract or for a qualified long-term care insurance contract, and (4) the exchange of a qualified long-term care insurance contract for a qualified long-term care insurance contract. However, if the life insurance policy has an outstanding loan, there may be tax consequences. Additionally, other tax rules apply. Depending on the issue date of your original policy or contract, there may be tax or other benefits that are given up to gain the benefits of the new policy or contract. Consider whether the features and benefits of the new policy or contract outweigh any tax or other benefits of the old contract.

For a partial exchange of an annuity contract for another annuity contract, the 1035 exchange is generally tax-free. The investment in the original contract and the earnings on the contract will be allocated proportionately between the original and new contracts. However, per IRS Revenue Procedure 2011-38, if surrenders are taken from either contract within the 180-day period following a partial 1035 exchange, the IRS will apply general tax principles to determine the appropriate tax treatment of the exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange.

Assignment: If you assign or pledge your contract as collateral for a loan, earnings on purchase payments you made after Aug. 13, 1982 will be taxed as a deemed distribution and also may be subject to the 10% penalty as discussed above.

Qualified Annuities

Adverse tax consequences may result if you do not ensure that contributions, distributions and other transactions under the contract comply with the law. Qualified annuities have minimum distribution rules that govern the timing and amount of distributions. You should refer to your retirement plan’s Summary Plan Description, your IRA disclosure statement, or consult a tax advisor for additional information about the distribution rules applicable to your situation.

When you use your contract to fund a retirement plan or IRA that is already tax-deferred under the Code, the contract will not provide any necessary or additional tax deferral. If your contract is used to fund an employer sponsored plan, your right to benefits may be subject to the terms and conditions of the plan regardless of the terms of the contract.

Annuity payouts: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire payout generally is includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars; or (4) the contract is used to fund a retirement plan and you direct such payout to be directly rolled over to another eligible retirement plan such as an IRA. We may permit partial annuitizations of qualified annuity contracts. If we accept partial annuitizations, please remember that your contract will still need to comply with other requirements such as required minimum distributions and the payment of taxes. Prior to considering a partial annuitization on a qualified contract, you should discuss your decision and any implications with your tax adviser. Because we cannot accurately track certain after-tax funding sources, we will generally report any payments on partial annuitizations as ordinary income except in the case of a qualified distribution from a Roth IRA.

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period.

Surrenders: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire surrender will generally be includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars; or (4) the contract is used to fund a retirement plan and you direct such surrender to be directly rolled over to another eligible retirement plan such as an IRA.

Surrenders from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period or another qualifying event such as death or disability.

RiverSource Retirement Advisor Variable Annuity — Prospectus 47

This may cause your RMD to be higher. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you. Inherited IRAs (including inherited Roth IRAs) are subject to special required minimum distribution rules.

Withholding for IRAs, Roth IRAs, SEPs and SIMPLE IRAs: If you receive taxable income as a result of an annuity payout or a surrender, including surrenders under any optional withdrawal benefit rider, we may deduct withholding against the payment. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, you can elect not to have any withholding occur.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

Some states also may impose income tax withholding requirements similar to the federal withholding described above. If this should be the case, we may deduct state income tax withholding from the payment.

Withholding for all other qualified annuities: If you receive directly all or part of the contract value from a qualified annuity, mandatory 20% federal income tax withholding (and possibly state income tax withholding) generally will be imposed at the time the payout is made from the plan. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. This mandatory withholding will not be imposed if instead of receiving the distribution check, you elect to have the distribution rolled over directly to an IRA or another eligible plan. Payments made to a surviving spouse instead of being directly rolled over to an IRA are also subject to mandatory 20% income tax withholding.

In the below situations, the distribution is subject to an optional 10% withholding instead of the mandatory 20% withholding. We will withhold 10% of the distribution amount unless you elect otherwise.

•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;
•	the payout is a RMD as defined under the Code;
•	the payout is made on account of an eligible hardship; or
•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.

Penalties: If you receive amounts from your qualified contract before reaching age 59½, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty generally will not apply to any amount received:

•	because of your death;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if the distribution is made following severance from employment during or after the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or
•	if the distribution is made from an inherited IRA.

Death benefits to beneficiaries: The entire death benefit generally is taxable as ordinary income to the beneficiary in the year he/she receives the payments from the qualified annuity. If you made non-deductible contributions to a traditional IRA, the portion of any distribution from the contract that represents after-tax contributions is not taxable as ordinary income to your beneficiary. You are responsible for keeping all records tracking your non-deductible contributions to an IRA. Death benefits under a Roth IRA generally are not taxable as ordinary income to the beneficiary if certain distribution requirements are met. (See “Benefits in Case of Death — If You Die Before the Settlement Date”).

48 RiverSource Retirement Advisor Variable Annuity — Prospectus

another annuity contract or other investment product that you choose. If you choose another annuity contract or investment product, you will be subject to new rules, including a new surrender charge schedule for an annuity contract, or other product rules as applicable.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

Other

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

Special considerations if you select any optional rider: As of the date of this prospectus, we believe that charges related to these riders are not subject to current taxation. Therefore, we will not report these charges as partial surrenders from your contract. However, the IRS may determine that these charges should be treated as partial surrenders subject to taxation to the extent of any gain as well as the 10% tax penalty for surrenders before the age of 59½, if applicable, on the taxable portion.

We reserve the right to report charges for these riders as partial surrenders if we, as a withholding and reporting agent, believe that we are required to report them. In addition, we will report any benefits attributable to these riders on your death as an annuity death benefit distribution, not as proceeds from life insurance.

Important: Our discussion of federal tax laws is based upon our understanding of current interpretations of these laws. Federal tax laws or current interpretations of them may change. For this reason and because tax consequences are complex and highly individual and cannot always be anticipated, you should consult a tax advisor if you have any questions about taxation of your contract.

RiverSource Life’s tax status: We are taxed as a life insurance company under the Code. For federal income tax purposes, the subaccounts are considered a part of our company, although their operations are treated separately in accounting and financial statements. Investment income is reinvested in the fund in which each subaccount invests and becomes part of that subaccount’s value. This investment income, including realized capital gains, is not subject to any withholding for federal or state income taxes. We reserve the right to make such a charge in the future if there is a change in the tax treatment of variable annuities or in our tax status as we then understand it.

The company includes in its taxable income the net investment income derived from the investment of assets held in its subaccounts because the company is considered the owner of these assets under federal income tax law. The company may claim certain tax benefits associated with this investment income. These benefits, which may include foreign tax credits and the corporate dividend received deduction, are not passed on to you since the company is the owner of the assets under federal tax law and is taxed on the investment income generated by the assets.

Tax qualification: We intend that the contract qualify as an annuity for federal income tax purposes. To that end, the provisions of the contract are to be interpreted to ensure or maintain such tax qualification, in spite of any other provisions of the contract. We reserve the right to amend the contract to reflect any clarifications that may be needed or are appropriate to maintain such qualification or to conform the contract to any applicable changes in the tax qualification requirements. We will send you a copy of any amendments.

Spousal status: When it comes to your marital status and the identification and naming of any spouse as a beneficiary or party to your contract, we will rely on the representations you make to us. Based on this reliance, we will issue and administer your contract in accordance with these representations. If you represent that you are married and your representation is incorrect or your marriage is deemed invalid for federal or state law purposes, then the benefits and rights under your contract may be different.

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

As a contract owner with investments in the subaccounts, you may vote on important fund policies until annuity payouts begin. Once they begin, the person receiving them has voting rights. We will vote fund shares according to the instructions of the person with voting rights.

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:

•	the reserve held in each subaccount for your contract; divided by
•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

RiverSource Retirement Advisor Variable Annuity — Prospectus 49

We calculate votes separately for each subaccount. We will send notice of shareholders’ meetings, proxy materials and a statement of the number of votes to which the voter is entitled. We are the legal owner of all fund shares and therefore hold all voting rights. However, to the extent required by law, we will vote the shares of each fund according to instructions we receive from contract owners. We will vote shares for which we have not received instructions and shares that we or our affiliates own in our own names in the same proportion as the votes for which we received instructions. As a result of this proportional voting, in cases when a small number of contract owners vote, their votes will have a greater impact and may even control the outcome.

Substitution of Investments

We may substitute the funds in which the subaccounts invest if:

•	laws or regulations change;
•	the existing funds become unavailable; or
•	in our judgment, the funds no longer are suitable (or no longer the most suitable) for the subaccounts.

If any of these situations occur, we have the right to substitute a fund currently listed in this prospectus (existing fund) for another fund (new fund), provided we obtain any required SEC and state insurance law approval. The new fund may have higher fees and/or operating expenses than the existing fund. Also, the new fund may have investment objectives and policies and/or investment advisers which differ from the existing fund.

We may also:

•	add new subaccounts;
•	combine any two or more subaccounts;
•	transfer assets to and from the subaccounts or the variable account; and
•	eliminate or close any subaccounts.

We will notify you of any substitution or change.

In the event of any such substitution or change, we may amend the contract and take whatever action is necessary and appropriate without your consent or approval. We will obtain any required prior approval of the SEC or state insurance departments before making any substitution or change.

About the Service Providers

Principal Underwriter

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the contract. Its offices are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

Sales of the Contract

New contracts are not currently being offered.

•

Only securities broker-dealers (“selling firms”) registered with the SEC and members of the FINRA may sell the contract.

•

The contracts are continuously offered to the public through authorized selling firms. We and RiverSource Distributors have a sales agreement with the selling firm. The sales agreement authorizes the selling firm to offer the contracts to the public. RiverSource Distributors pays the selling firm (or an affiliated insurance agency) for contracts its financial advisors sell. The selling firm may be required to return sales commissions under certain circumstances including but not limited to when contracts are returned under the free look period.

Payments to Selling Firms

•	We may use compensation plans which vary by selling firm. For example, some of these plans pay selling firms a commission of up to 5.75% each time a purchase payment is made. We may also pay ongoing trail commissions of up to 0.25% of the contract value. We do not pay or withhold payment of commissions based on which investment options you select.
•	We may pay selling firms a temporary additional sales commission of up to 1% of purchase payments for a period of time we select. For example, we may offer to pay a temporary additional sales commission to get selling firms to market a new or enhanced contract or to increase sales during the period.

50 RiverSource Retirement Advisor Variable Annuity — Prospectus

•	In addition to commissions, we may, in order to promote sales of the contracts, and as permitted by applicable laws and regulations, pay or provide selling firms with other promotional incentives in cash, credit or other compensation. We generally (but may not) offer these promotional incentives to all selling firms. The terms of such arrangements differ between selling firms. These promotional incentives may include but are not limited to:
•	sponsorship of marketing, educational, due diligence and compliance meetings and conferences we or the selling firm may conduct for financial advisors, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;
•	marketing support related to sales of the contract including for example, the creation of marketing materials, advertising and newsletters;
•	providing service to contract owners; and
•	funding other events sponsored by a selling firm that may encourage the selling firm’s financial advisors to sell the contract.

These promotional incentives or reimbursements may be calculated as a percentage of the selling firm’s aggregate, net or anticipated sales and/or total assets attributable to sales of the contract, and/or may be a fixed dollar amount. As noted below this additional compensation may cause the selling firm and its financial advisors to favor the contracts.

Sources of Payments to Selling Firms

We pay the commissions and other compensation described above from our assets. Our assets may include:

•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);
•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The funds”);
•	compensation we or an affiliate receive from a fund’s investment adviser, subadviser, distributor or an affiliate of any of these (see “The Variable Account and the Funds — The funds”); and
•	revenues we receive from other contracts and policies we sell that are not securities and other businesses we conduct.

You do not directly pay the commissions and other compensation described above as the result of a specific charge or deduction under the contract. However, you may pay part or all of the commissions and other compensation described above indirectly through:

•	fees and expenses we collect from contract owners, including surrender charges; and
•	fees and expenses charged by the underlying funds in which the subaccounts you select invest, to the extent we or one of our affiliates receive revenue from the funds or an affiliated person.

Potential Conflicts of Interest

Compensation payment arrangements with selling firms can potentially:

•	give selling firms a heightened financial incentive to sell the contract offered in this prospectus over another investment with lower compensation to the selling firm.
•	cause selling firms to encourage their financial advisors to sell you the contract offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.
•	cause selling firms to grant us access to its financial advisors to promote sales of the contract offered in this prospectus, while denying that access to other firms offering similar contracts or other alternative investments which may pay lower compensation to the selling firm.

Payments to Financial Advisors

•	The selling firm pays its financial advisors. The selling firm decides the compensation and benefits it will pay its financial advisors.
•	To inform yourself of any potential conflicts of interest, ask your financial advisor before you buy how the selling firm and its financial advisors are being compensated and the amount of the compensation that each will receive if you buy the contract.

Service Providers

RiverSource Retirement Advisor Variable Annuity — Prospectus 51

issue. The entities engaged by RiverSource Life may change over time. Entities that provided services to RiverSource Life in 2019 are listed in the table below.

Name of Service Provider	Services Provided	Address
Ameriprise Financial, Inc.	Business affairs management and administrative support related to new business and servicing of existing contracts and policies	707 Second Avenue South Minneapolis MN 55402 USA
Ameriprise India Private Limited	Administrative support related to new business and servicing of existing contracts and policies annual report filings	Plot No. 14, Sector 18 Udyog Vihar Gurugram, Haryana – 122 015 India
Sykes Enterprise Incorporated	Administrative support related to e new business and servicing of existing contracts and policies	10^th Floor, Glorietta BPO 1 Office Tower Makati City 1224 Metro Manila Philippines

Issuer

We issue the contracts. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

We conduct a conventional life insurance business. We are licensed to do business in 49 states, the District of Columbia and American Samoa. Our primary products currently include fixed and variable annuity contracts and life insurance policies.

Legal Proceedings

Insurance companies have been the subject of increasing regulatory, legislative and judicial scrutiny. Numerous state and federal regulatory agencies have commenced examinations and other inquiries of insurance companies regarding sales and marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and procedures. RiverSource Life has cooperated and will continue to cooperate with the applicable regulators.

RiverSource Life is involved in the normal course of business in a number of other legal and arbitration proceedings concerning matters arising in connection with the conduct of its business activities. RiverSource Life believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory investigation, examination or proceeding that is likely to have a have material adverse effect on its financial condition, results of operations or liquidity. Notwithstanding the forgoing, it is possible that the outcome of any current or future legal, arbitration or regulatory proceeding could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.

Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of RiverSource Life or the insurance industry generally.

52 RiverSource Retirement Advisor Variable Annuity — Prospectus

Appendix A: Example — Surrender Charges

Partial surrender charge calculation example

Assume you requested a surrender of $1,000 and there is a surrender charge of 7%. The total amount we actually deduct from your contract is $1,075.27. We determine this amount as follows:

Amount requested	or	$1,000	=	$1,075.27
1.00 – surrender charge		.93

By applying the 7% surrender charge to $1,075.27, the surrender charge is $75.27. We pay you the $1,000 you requested. If you make a full surrender of your contract, we also will deduct the applicable contract administrative charge and the applicable prorated MAV, EEB or EEP charge.

Surrender charge calculation example

The following is an example of the calculation we would make to determine the surrender charge on a RAVA Advantage contract that contains a seven-year surrender charge schedule with this history:

•	We received these payments:

•	$10,000 paid on the contract date;
•	$8,000 paid on the sixth contract anniversary;
•	$6,000 paid on the eighth contract anniversary; and

•	The owner surrenders the contract for its total contract value of $26,500 and had not made any other surrenders during that contract year; and
•	The contract value was $28,000 on the ninth contract anniversary.

Surrender Charge	Explanation
$0	$2,500 is contract earnings surrendered without charge; and
0	$300 is 10% of the prior anniversary contract value that is in excess of contract earnings surrendered without charge (from above). 10% of $28,000 = $2,800 – $2,500 = $300
0	$10,000 payment was received eight or more years before surrender and is surrendered without surrender charge; and
480	$8,000 payment is surrendered with a 6% surrender charge since there have been 3 completed years from date of purchase payment; and
420	$6,000 payment is surrendered with a 7% surrender charge since there has been 1 completed year from date of purchase payment.
$900

RiverSource Retirement Advisor Variable Annuity — Prospectus 53

Appendix B: Condensed Financial Information (Unaudited)

The following tables give per-unit information about the financial history of each subaccount. The date in which operations commenced in each subaccount is noted in parentheses. We have not provided this information for subaccounts that were not available under your contract as of December 31, 2019.

Variable account charges of 0.75% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.16	$1.26	$1.11	$1.08	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	Q	$1.26	$1.11	$1.08	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	219	290	557	776	932	699	542	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26	$1.07
Accumulation unit value at end of period	$2.14	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	821	940	1,296	1,165	1,366	1,644	1,917	2,217	3,348	4,452

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06	$0.95
Accumulation unit value at end of period	$2.83	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	12,899	14,427	16,253	19,036	23,500	28,225	34,405	40,750	48,468	55,671

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69	$1.63
Accumulation unit value at end of period	$1.91	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	21,587	24,463	27,445	32,314	39,737	47,056	56,626	67,635	83,009	102,937

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$0.96	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,994	4,996	6,613	8,138	9,450	10,226	4,271	—	—	—

American Century VP International, Class I (9/15/1999)
Accumulation unit value at beginning of period	$1.53	$1.82	$1.39	$1.49	$1.49	$1.58	$1.30	$1.08	$1.24	$1.10
Accumulation unit value at end of period	$1.95	$1.53	$1.82	$1.39	$1.49	$1.49	$1.58	$1.30	$1.08	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	2,463	2,927	3,217	3,598	4,159	4,606	5,037	5,968	7,587	9,999

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03	$0.87
Accumulation unit value at end of period	$2.53	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	5,030	6,305	7,855	8,606	7,653	8,037	9,110	9,353	11,208	12,924

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06	$0.92
Accumulation unit value at end of period	$3.38	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	3,596	3,998	3,606	4,304	5,243	5,961	7,242	8,724	10,122	11,063

American Century VP Value, Class I (9/15/1999)
Accumulation unit value at beginning of period	$3.18	$3.53	$3.27	$2.73	$2.86	$2.55	$1.95	$1.72	$1.71	$1.52
Accumulation unit value at end of period	$4.01	$3.18	$3.53	$3.27	$2.73	$2.86	$2.55	$1.95	$1.72	$1.71
Number of accumulation units outstanding at end of period (000 omitted)	4,838	5,573	6,558	7,627	8,400	9,657	10,946	12,258	14,862	19,329

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.45	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,460	7,010	7,930	9,667	12,251	12,313	10,851	3,746	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07	$0.97
Accumulation unit value at end of period	$2.15	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	6,082	6,216	6,913	7,847	8,548	9,533	10,738	11,585	12,719	14,304

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19	$1.07
Accumulation unit value at end of period	$2.49	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	31,662	35,991	41,748	45,866	42,888	43,176	45,325	46,103	53,355	61,921

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.56	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	486	597	588	522	323	264	148	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.14	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,794	7,527	9,128	9,275	7,402	4,306	1,941	—	—	—

54 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80	$0.69
Accumulation unit value at end of period	$2.25	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80
Number of accumulation units outstanding at end of period (000 omitted)	56,895	64,250	73,368	85,755	99,258	111,603	136,765	160,002	186,291	218,715

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.82	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	439	468	666	779	954	886	732	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68	$1.45
Accumulation unit value at end of period	$3.49	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68
Number of accumulation units outstanding at end of period (000 omitted)	50,962	58,903	70,804	85,168	101,431	122,319	144,917	166,205	206,688	256,449

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,829	1,620	2,188	1,875	1,993	2,349	792	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65	$2.23
Accumulation unit value at end of period	$3.28	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65
Number of accumulation units outstanding at end of period (000 omitted)	10,944	13,169	14,820	17,346	22,226	26,833	33,013	38,627	46,641	56,730

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78	$1.68
Accumulation unit value at end of period	$1.77	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	13,209	15,564	18,858	22,431	28,050	36,004	46,672	62,204	73,158	88,623

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21	$1.22
Accumulation unit value at end of period	$1.17	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	26,927	33,314	35,185	45,094	50,441	60,289	76,751	96,155	124,252	134,040

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78	$1.57
Accumulation unit value at end of period	$2.95	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	21,571	25,778	33,054	39,523	47,359	59,210	69,676	82,188	91,967	111,083

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49	$1.33
Accumulation unit value at end of period	$2.41	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	15,746	18,683	23,972	28,890	24,814	30,197	36,897	46,830	49,398	56,452

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59	$1.48
Accumulation unit value at end of period	$2.08	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59
Number of accumulation units outstanding at end of period (000 omitted)	50,289	54,724	66,114	78,420	93,168	115,549	145,968	214,369	232,229	282,705

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65	$0.56
Accumulation unit value at end of period	$1.94	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65
Number of accumulation units outstanding at end of period (000 omitted)	34,560	40,358	46,606	53,836	67,474	68,409	78,647	88,846	104,494	124,302

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93	$0.81
Accumulation unit value at end of period	$2.58	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	27,733	31,251	34,243	37,921	41,507	46,410	52,071	57,241	65,653	77,987

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.96	$0.97	$0.96	$0.92	$0.95	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.96	$0.97	$0.96	$0.92	$0.95	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,063	5,086	4,860	4,756	3,113	2,198	—	—	—	—

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,683	1,888	2,251	2,763	2,101	1,037	250	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53	$1.22
Accumulation unit value at end of period	$3.22	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53
Number of accumulation units outstanding at end of period (000 omitted)	7,767	9,252	10,599	12,269	15,090	15,914	19,000	22,638	28,726	34,995

RiverSource Retirement Advisor Variable Annuity — Prospectus 55

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06	$0.94
Accumulation unit value at end of period	$1.50	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	11,984	14,095	16,826	20,497	17,829	19,193	22,743	26,232	32,942	39,494

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19	$1.00
Accumulation unit value at end of period	$3.04	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	3,521	4,024	4,905	5,147	6,782	10,454	11,118	8,170	9,950	10,640

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38	$1.14
Accumulation unit value at end of period	$3.02	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	5,023	6,098	7,406	9,512	12,169	15,152	17,694	20,051	25,903	33,723

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79	$1.42
Accumulation unit value at end of period	$3.60	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79
Number of accumulation units outstanding at end of period (000 omitted)	4,360	5,045	5,792	7,202	8,712	10,198	11,928	13,295	16,466	19,549

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36	$1.33
Accumulation unit value at end of period	$1.57	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	14,490	17,423	21,276	25,182	29,036	34,815	43,683	65,849	78,480	95,906

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02	$0.88
Accumulation unit value at end of period	$0.49	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	7,960	9,227	10,686	13,250	17,134	19,487	24,974	31,771	38,081	37,446

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.90	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,611	2,513	3,697	5,372	4,835	3,206	2,181	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23	$1.19
Accumulation unit value at end of period	$1.61	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23
Number of accumulation units outstanding at end of period (000 omitted)	15,667	18,749	21,464	24,619	30,622	37,782	51,052	72,377	82,435	92,837

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	990	1,173	1,137	599	503	411	128	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.40	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.77	$1.35	$1.40	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	22,698	27,660	32,668	39,908	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40	$1.16
Accumulation unit value at end of period	$3.50	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	3,437	3,735	3,974	3,948	3,656	3,187	3,576	3,731	4,276	4,535

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.99	$0.99	$0.99	$0.99	$1.00	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.99	$0.99	$0.99	$0.99	$1.00	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,105	3,323	3,290	3,278	1,789	774	—	—	—	—

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.08	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,437	2,620	3,691	5,161	7,060	8,699	8,510	3,246	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17	$1.08
Accumulation unit value at end of period	$1.50	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	20,974	30,224	31,185	38,065	45,917	61,310	86,779	67,900	74,599	74,514

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07	$0.92
Accumulation unit value at end of period	$2.65	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	35,591	43,615	52,100	65,724	83,777	99,718	116,341	135,683	162,922	192,769

56 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Fidelity^® VIP Growth & Income Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$2.13	$2.36	$2.04	$1.77	$1.83	$1.67	$1.26	$1.07	$1.06	$0.93
Accumulation unit value at end of period	$2.75	$2.13	$2.36	$2.04	$1.77	$1.83	$1.67	$1.26	$1.07	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	8,334	9,841	11,248	12,989	14,915	17,137	19,829	23,385	28,379	37,384

Fidelity^® VIP Mid Cap Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$6.11	$7.21	$6.02	$5.41	$5.53	$5.25	$3.89	$3.41	$3.85	$3.02
Accumulation unit value at end of period	$7.48	$6.11	$7.21	$6.02	$5.41	$5.53	$5.25	$3.89	$3.41	$3.85
Number of accumulation units outstanding at end of period (000 omitted)	5,420	6,248	7,274	8,518	10,081	11,466	13,332	15,673	20,066	27,026

Fidelity^® VIP Overseas Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$1.50	$1.78	$1.38	$1.46	$1.42	$1.56	$1.21	$1.01	$1.23	$1.10
Accumulation unit value at end of period	$1.90	$1.50	$1.78	$1.38	$1.46	$1.42	$1.56	$1.21	$1.01	$1.23
Number of accumulation units outstanding at end of period (000 omitted)	3,409	3,852	4,383	5,184	6,111	6,588	7,619	8,802	11,310	15,374

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	21,675	19,164	19,388	14,131	11,862	10,757	4,174	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06	$1.71
Accumulation unit value at end of period	$3.46	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06
Number of accumulation units outstanding at end of period (000 omitted)	10,291	11,941	14,393	17,523	20,751	24,367	28,482	31,720	36,714	42,372

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.38	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,854	4,196	5,242	6,248	7,995	12,165	4,290	—	—	—

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58	$2.02
Accumulation unit value at end of period	$5.52	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58
Number of accumulation units outstanding at end of period (000 omitted)	6,796	7,900	9,189	11,128	13,068	15,820	19,202	22,727	28,384	34,971

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80	$2.26
Accumulation unit value at end of period	$5.92	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80
Number of accumulation units outstanding at end of period (000 omitted)	11,472	13,427	15,857	19,292	24,147	29,253	35,669	42,578	52,628	64,121

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.95	$0.91	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.94	$0.88	$0.95	$0.91	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	403	512	502	510	660	127	—	—	—	—

Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$3.34	$3.68	$3.32	$2.72	$2.79	$2.63	$1.95	$1.74	$1.75	$1.35
Accumulation unit value at end of period	$4.13	$3.34	$3.68	$3.32	$2.72	$2.79	$2.63	$1.95	$1.74	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	834	948	1,075	1,235	1,412	1,587	1,852	1,993	2,476	3,153

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96	$0.85
Accumulation unit value at end of period	$2.75	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	17,850	21,440	24,413	28,337	34,522	42,520	52,166	61,881	73,864	90,486

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51	$1.31
Accumulation unit value at end of period	$3.25	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	9,564	11,081	11,933	13,366	16,675	17,576	19,743	21,566	26,339	29,183

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43	$1.25
Accumulation unit value at end of period	$1.80	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	37,903	45,692	57,738	70,562	91,448	113,907	148,191	194,916	225,204	265,863

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43	$1.17
Accumulation unit value at end of period	$3.42	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	5,021	6,187	7,204	8,432	10,064	11,134	12,453	13,918	16,342	19,999

Invesco V.I. American Franchise Fund, Series I Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.86	$1.94	$1.54	$1.51	$1.45	$1.35	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.52	$1.86	$1.94	$1.54	$1.51	$1.45	$1.35	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,493	4,019	4,405	5,004	5,594	6,229	7,021	8,151	—	—

RiverSource Retirement Advisor Variable Annuity — Prospectus 57

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,210	3,974	4,881	6,372	5,830	5,961	3,989	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24	$1.08
Accumulation unit value at end of period	$2.82	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	17,651	20,743	23,714	29,195	36,594	44,743	58,839	71,034	86,061	100,324

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06	$1.01
Accumulation unit value at end of period	$2.88	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	4,476	5,182	5,775	7,206	9,967	8,435	8,251	7,227	7,312	7,456

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39	$1.24
Accumulation unit value at end of period	$2.14	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	9,307	10,981	13,343	16,183	19,632	21,336	22,446	25,580	30,304	36,189

Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.63	$1.74	$1.43	$1.43	$1.43	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.18	$1.63	$1.74	$1.43	$1.43	$1.43	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,928	5,816	6,671	7,681	6,253	6,746	7,534	8,633	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,041	1,296	1,139	1,903	4,502	7,146	5,619	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,558	3,424	—	—	—	—	—	—	—	—

Janus Henderson VIT Enterprise Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.71	$1.73	$1.37	$1.23	$1.20	$1.08	$0.82	$0.71	$0.72	$0.58
Accumulation unit value at end of period	$2.29	$1.71	$1.73	$1.37	$1.23	$1.20	$1.08	$0.82	$0.71	$0.72
Number of accumulation units outstanding at end of period (000 omitted)	4,886	5,490	5,897	6,628	7,685	8,454	9,787	11,184	13,345	16,104

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,954	5,503	7,136	8,973	8,003	5,580	2,585	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.46	$1.46	$1.02	$0.90	$0.87	$0.80	$0.59	$0.50	$0.55	$0.45
Accumulation unit value at end of period	$2.10	$1.46	$1.46	$1.02	$0.90	$0.87	$0.80	$0.59	$0.50	$0.55
Number of accumulation units outstanding at end of period (000 omitted)	8,062	9,388	10,067	11,402	13,269	13,465	15,146	17,509	21,201	27,036

Janus Henderson VIT Overseas Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.22	$1.45	$1.12	$1.21	$1.33	$1.53	$1.35	$1.20	$1.78	$1.44
Accumulation unit value at end of period	$1.54	$1.22	$1.45	$1.12	$1.21	$1.33	$1.53	$1.35	$1.20	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	7,679	9,024	9,962	11,534	13,772	16,808	20,940	28,307	40,311	55,565

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97	$0.85
Accumulation unit value at end of period	$2.62	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	3,577	4,372	5,241	6,858	8,758	10,293	13,621	17,837	22,462	31,752

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.51	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,441	1,698	1,889	1,887	2,967	2,403	847	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.30	$1.31	$1.03	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.81	$1.30	$1.31	$1.03	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	15,918	18,155	21,374	26,361	29,852	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32	$0.98
Accumulation unit value at end of period	$3.26	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32
Number of accumulation units outstanding at end of period (000 omitted)	6,354	7,244	8,165	9,359	11,054	13,024	17,289	20,047	25,583	25,934

58 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07	$1.83
Accumulation unit value at end of period	$4.30	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07
Number of accumulation units outstanding at end of period (000 omitted)	10,023	11,894	14,937	18,140	22,267	28,660	32,640	38,539	46,187	47,357

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30	$0.99
Accumulation unit value at end of period	$3.15	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30
Number of accumulation units outstanding at end of period (000 omitted)	2,956	3,006	2,861	3,447	5,011	6,944	8,493	11,635	18,214	17,947

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05	$0.86
Accumulation unit value at end of period	$1.61	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	4,778	5,713	7,471	9,576	11,978	14,762	17,893	19,518	22,051	25,144

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92	$0.76
Accumulation unit value at end of period	$1.36	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92
Number of accumulation units outstanding at end of period (000 omitted)	2,206	2,710	3,148	3,895	4,606	5,357	6,179	6,765	8,478	9,073

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.90	$0.97	$0.92	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.90	$0.97	$0.92	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	233	232	205	319	625	394	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26	$1.13
Accumulation unit value at end of period	$1.71	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	8,794	11,230	14,290	17,412	22,911	33,579	48,561	69,811	69,382	75,522

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.23	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	331	252	564	456	489	564	1,413	863	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,094	3,206	3,656	2,858	2,518	2,388	1,912	—	—	—

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13	$1.00
Accumulation unit value at end of period	$3.38	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	5,301	5,938	6,675	7,563	8,757	9,746	10,340	11,916	14,126	17,030

Royce Capital Fund – Micro-Cap Portfolio, Investment Class (9/15/1999)
Accumulation unit value at beginning of period	$4.12	$4.56	$4.37	$3.68	$4.23	$4.42	$3.68	$3.45	$3.95	$3.07
Accumulation unit value at end of period	$4.89	$4.12	$4.56	$4.37	$3.68	$4.23	$4.42	$3.68	$3.45	$3.95
Number of accumulation units outstanding at end of period (000 omitted)	1,383	1,550	1,848	2,138	2,541	2,991	3,723	4,560	6,206	8,319

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,598	6,218	5,975	6,206	8,164	9,101	5,646	—	—	—

Third Avenue Value Portfolio (9/21/1999)
Accumulation unit value at beginning of period	$3.10	$3.93	$3.48	$3.13	$3.46	$3.34	$2.83	$2.24	$2.86	$2.53
Accumulation unit value at end of period	$3.47	$3.10	$3.93	$3.48	$3.13	$3.46	$3.34	$2.83	$2.24	$2.86
Number of accumulation units outstanding at end of period (000 omitted)	1,699	2,034	2,365	2,741	3,248	3,719	4,460	5,377	7,101	9,979

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.01	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,997	2,249	2,597	2,628	1,726	1,627	1,091	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	33,745	38,345	43,514	50,082	60,288	63,443	68,358	59,074	57,559	22,643

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	44,556	52,291	60,191	78,390	114,075	129,138	183,069	213,296	258,558	287,015

RiverSource Retirement Advisor Variable Annuity — Prospectus 59

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,769	25,210	29,606	37,496	40,298	49,392	66,474	103,582	81,730	19,114

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,716	29,121	38,284	57,218	65,986	78,435	116,673	217,500	212,474	171,495

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,239	682	352	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	727	913	94	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,344	4,977	5,001	7,206	4,914	3,681	1,043	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.24	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,389	13,370	16,093	20,641	18,517	19,479	5,574	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$1.32	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	129,327	159,164	191,800	228,224	289,766	312,945	99,233	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	93,658	107,282	126,718	154,932	183,214	196,193	66,746	—	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	174,468	202,039	234,364	280,217	332,868	381,681	402,208	377,699	318,883	150,412

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	364,142	431,168	523,884	657,883	868,373	1,018,857	1,191,618	1,322,146	1,448,513	1,625,658

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	96,238	114,303	133,356	159,472	196,684	215,308	232,062	196,988	181,157	85,099

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	158,304	190,984	231,699	301,436	428,536	508,398	710,239	837,813	998,828	1,122,490

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	60,278	63,093	74,527	89,762	104,766	126,041	154,600	197,629	149,512	53,054

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	84,416	97,809	123,526	154,885	197,656	251,755	329,684	449,177	439,108	454,692

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98	$0.89
Accumulation unit value at end of period	$2.17	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98
Number of accumulation units outstanding at end of period (000 omitted)	3,242	3,980	5,057	6,538	8,047	9,697	12,078	13,840	18,111	24,428

60 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05	$1.66
Accumulation unit value at end of period	$3.60	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	8,707	9,947	11,438	13,862	16,653	20,098	25,397	31,851	39,424	48,893

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.14	$1.00	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,838	921	76	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.06	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.01	$1.06	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,821	6,834	527	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.05	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.18	$1.01	$1.05	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,164	4,216	566	—	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61	$2.11
Accumulation unit value at end of period	$4.16	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61
Number of accumulation units outstanding at end of period (000 omitted)	16,629	19,893	22,964	26,925	33,012	38,989	46,513	53,436	66,511	80,435

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05	$1.67
Accumulation unit value at end of period	$5.42	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	20,964	24,348	28,181	33,677	41,194	48,912	59,078	69,932	84,309	102,578

Wells Fargo VT Index Asset Allocation Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.35	$2.44	$2.19	$2.05	$2.04	$1.74	$1.47	$1.31	$1.24	$1.10
Accumulation unit value at end of period	$2.81	$2.35	$2.44	$2.19	$2.05	$2.04	$1.74	$1.47	$1.31	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	4,557	5,333	6,317	7,018	7,663	8,314	8,990	10,621	12,268	15,176

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41	$1.22
Accumulation unit value at end of period	$1.83	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	4,943	5,701	6,518	7,395	9,405	9,714	11,282	13,374	16,786	20,616

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48	$1.18
Accumulation unit value at end of period	$3.49	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48
Number of accumulation units outstanding at end of period (000 omitted)	4,447	5,146	5,829	7,000	8,952	9,801	12,946	15,400	20,502	28,351

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	924	758	1,529	720	897	1,272	811	—	—	—

Variable account charges of 0.95% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,267	1,985	1,825	1,643	1,676	1,226	791	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25	$1.07
Accumulation unit value at end of period	$2.08	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	604	661	741	784	981	1,097	1,106	1,313	1,642	2,571

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04	$0.93
Accumulation unit value at end of period	$2.73	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	8,662	9,611	10,497	12,411	15,071	17,244	20,041	23,312	28,840	33,656

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66	$1.61
Accumulation unit value at end of period	$1.84	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66
Number of accumulation units outstanding at end of period (000 omitted)	12,332	14,196	16,581	19,257	22,777	26,270	31,753	38,807	49,799	63,534

RiverSource Retirement Advisor Variable Annuity — Prospectus 61

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.95	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,883	11,708	13,653	13,785	12,552	10,397	3,655	—	—	—

American Century VP International, Class I (9/15/1999)
Accumulation unit value at beginning of period	$1.47	$1.75	$1.35	$1.44	$1.44	$1.54	$1.27	$1.06	$1.21	$1.08
Accumulation unit value at end of period	$1.87	$1.47	$1.75	$1.35	$1.44	$1.44	$1.54	$1.27	$1.06	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	1,804	2,020	2,391	2,753	3,417	3,797	4,384	5,102	6,878	9,446

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02	$0.87
Accumulation unit value at end of period	$2.47	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	4,506	5,384	6,486	6,832	6,055	6,214	6,845	6,830	7,355	8,798

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05	$0.91
Accumulation unit value at end of period	$3.28	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,517	2,688	2,417	2,436	3,222	3,475	3,871	4,871	5,322	5,909

American Century VP Value, Class I (9/15/1999)
Accumulation unit value at beginning of period	$3.06	$3.40	$3.16	$2.64	$2.78	$2.48	$1.90	$1.67	$1.67	$1.49
Accumulation unit value at end of period	$3.85	$3.06	$3.40	$3.16	$2.64	$2.78	$2.48	$1.90	$1.67	$1.67
Number of accumulation units outstanding at end of period (000 omitted)	3,353	3,819	4,511	5,545	6,487	7,623	9,064	10,633	12,699	16,669

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.43	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	18,379	19,527	20,271	19,437	19,317	15,638	11,699	3,226	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05	$0.95
Accumulation unit value at end of period	$2.07	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,901	3,039	3,259	3,625	4,176	5,003	5,639	6,095	6,505	8,238

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16	$1.04
Accumulation unit value at end of period	$2.39	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	52,172	50,535	51,410	47,474	37,714	33,526	33,040	33,359	39,535	45,791

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.55	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,883	2,926	2,321	1,718	1,625	587	150	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.11	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,017	16,602	17,049	14,367	9,669	5,364	2,048	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79	$0.68
Accumulation unit value at end of period	$2.16	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79
Number of accumulation units outstanding at end of period (000 omitted)	27,303	30,658	35,737	41,964	51,782	57,394	69,472	84,369	100,737	120,427

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.81	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,430	1,034	885	1,007	1,105	1,051	707	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65	$1.42
Accumulation unit value at end of period	$3.35	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	29,737	34,660	41,891	50,434	60,130	73,666	87,069	99,992	126,113	156,962

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,583	4,429	4,150	2,851	2,505	2,761	1,137	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60	$2.19
Accumulation unit value at end of period	$3.16	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60
Number of accumulation units outstanding at end of period (000 omitted)	6,978	8,092	9,346	10,207	12,958	15,636	18,677	22,279	27,455	33,567

62 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74	$1.65
Accumulation unit value at end of period	$1.70	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	11,756	13,465	16,057	18,973	22,985	28,727	36,258	48,278	56,664	68,524

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18	$1.19
Accumulation unit value at end of period	$1.12	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	21,564	25,622	24,661	32,195	35,229	39,251	50,331	61,799	82,185	92,405

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74	$1.54
Accumulation unit value at end of period	$2.83	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	17,789	20,685	26,601	31,732	38,674	48,391	55,214	64,192	73,576	89,489

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47	$1.31
Accumulation unit value at end of period	$2.34	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	11,719	13,469	17,897	20,741	17,356	20,662	24,731	32,890	34,819	39,448

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56	$1.45
Accumulation unit value at end of period	$2.00	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56
Number of accumulation units outstanding at end of period (000 omitted)	41,926	43,497	53,881	61,794	71,097	85,500	107,141	156,667	174,738	214,494

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64	$0.55
Accumulation unit value at end of period	$1.86	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64
Number of accumulation units outstanding at end of period (000 omitted)	18,555	21,823	25,535	29,899	37,899	37,413	44,063	51,318	60,544	72,817

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91	$0.80
Accumulation unit value at end of period	$2.48	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	61,001	54,565	48,132	42,843	40,321	37,322	38,404	40,265	46,053	55,090

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01	$1.00
Accumulation unit value at end of period	$1.15	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	13,422	12,393	9,957	8,639	4,608	3,837	2,142	1,603	889	432

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.22	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,907	4,086	4,794	5,110	3,685	1,824	428	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50	$1.20
Accumulation unit value at end of period	$3.11	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50
Number of accumulation units outstanding at end of period (000 omitted)	4,466	5,328	6,234	7,139	8,696	9,107	10,976	13,009	16,901	21,606

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04	$0.92
Accumulation unit value at end of period	$1.44	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	7,589	9,010	10,995	13,602	11,586	12,233	14,336	16,902	21,875	27,645

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18	$0.99
Accumulation unit value at end of period	$2.95	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	3,556	3,810	4,049	4,185	5,339	7,377	6,539	4,932	6,465	6,063

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37	$1.13
Accumulation unit value at end of period	$2.94	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	3,280	4,038	5,079	6,115	7,691	9,450	10,346	11,045	14,817	19,331

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75	$1.39
Accumulation unit value at end of period	$3.45	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	2,790	3,262	3,805	4,631	5,623	6,640	7,407	8,170	10,076	12,744

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33	$1.30
Accumulation unit value at end of period	$1.51	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33
Number of accumulation units outstanding at end of period (000 omitted)	13,503	15,040	18,959	22,623	25,128	29,517	37,054	52,934	61,501	78,228

RiverSource Retirement Advisor Variable Annuity — Prospectus 63

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01	$0.88
Accumulation unit value at end of period	$0.47	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	5,845	7,020	8,451	10,055	12,146	14,175	17,008	21,622	25,966	26,305

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.89	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,425	4,705	5,862	5,952	5,051	2,342	1,428	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21	$1.18
Accumulation unit value at end of period	$1.56	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	12,057	13,837	16,465	18,278	22,151	26,715	33,722	48,160	54,821	63,669

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,652	6,698	4,862	1,660	931	646	90	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.76	$1.35	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,572	17,158	20,856	24,225	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38	$1.14
Accumulation unit value at end of period	$3.39	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	2,810	2,851	2,586	2,352	1,888	1,747	2,014	2,101	2,436	2,760

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00	$1.00
Accumulation unit value at end of period	$1.01	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	10,306	9,648	6,939	5,700	2,506	1,014	613	308	172	74

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.06	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,619	4,853	6,013	6,466	7,133	7,736	6,629	2,284	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15	$1.07
Accumulation unit value at end of period	$1.45	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	19,358	27,483	27,273	32,151	38,705	50,073	65,553	50,815	55,759	56,862

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06	$0.91
Accumulation unit value at end of period	$2.58	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	48,944	50,290	52,141	55,327	63,576	70,307	76,647	84,137	102,175	120,336

Fidelity^® VIP Growth & Income Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$2.05	$2.28	$1.97	$1.71	$1.77	$1.62	$1.23	$1.05	$1.04	$0.91
Accumulation unit value at end of period	$2.64	$2.05	$2.28	$1.97	$1.71	$1.77	$1.62	$1.23	$1.05	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	6,073	6,697	8,069	9,445	11,131	13,602	16,171	19,404	23,702	32,463

Fidelity^® VIP Mid Cap Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$5.88	$6.95	$5.82	$5.24	$5.37	$5.10	$3.79	$3.33	$3.77	$2.95
Accumulation unit value at end of period	$7.18	$5.88	$6.95	$5.82	$5.24	$5.37	$5.10	$3.79	$3.33	$3.77
Number of accumulation units outstanding at end of period (000 omitted)	3,964	4,649	5,338	6,198	7,300	8,686	10,285	12,401	16,339	22,725

Fidelity^® VIP Overseas Portfolio Service Class (9/15/1999)
Accumulation unit value at beginning of period	$1.45	$1.71	$1.33	$1.42	$1.38	$1.52	$1.18	$0.98	$1.20	$1.07
Accumulation unit value at end of period	$1.83	$1.45	$1.71	$1.33	$1.42	$1.38	$1.52	$1.18	$0.98	$1.20
Number of accumulation units outstanding at end of period (000 omitted)	2,491	2,734	3,342	3,648	4,437	4,851	5,705	7,128	9,288	14,044

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	43,673	35,920	30,762	19,832	14,724	10,509	2,729	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01	$1.68
Accumulation unit value at end of period	$3.33	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	6,800	7,625	9,228	11,174	13,307	15,352	17,380	18,941	21,820	25,510

64 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.37	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	13,784	12,559	12,704	11,610	11,688	12,796	4,629	—	—	—

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52	$1.98
Accumulation unit value at end of period	$5.30	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52
Number of accumulation units outstanding at end of period (000 omitted)	7,253	7,430	7,861	8,759	9,355	11,090	12,772	14,443	18,246	22,799

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74	$2.21
Accumulation unit value at end of period	$5.68	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74
Number of accumulation units outstanding at end of period (000 omitted)	7,380	8,509	10,084	12,162	15,170	18,356	22,012	26,253	33,368	41,459

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.87	$0.94	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.93	$0.87	$0.94	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,877	2,517	1,992	1,788	1,401	382	—	—	—	—

Goldman Sachs VIT Small Cap Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$3.21	$3.55	$3.21	$2.63	$2.71	$2.56	$1.90	$1.70	$1.71	$1.32
Accumulation unit value at end of period	$3.97	$3.21	$3.55	$3.21	$2.63	$2.71	$2.56	$1.90	$1.70	$1.71
Number of accumulation units outstanding at end of period (000 omitted)	583	598	705	819	974	1,131	1,370	1,617	2,042	3,152

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93	$0.84
Accumulation unit value at end of period	$2.64	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	12,764	14,541	16,623	19,473	23,888	27,852	32,151	38,124	45,869	57,775

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49	$1.30
Accumulation unit value at end of period	$3.15	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	12,511	12,618	12,158	11,402	12,573	12,255	13,330	14,055	16,697	18,638

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41	$1.24
Accumulation unit value at end of period	$1.74	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	34,746	39,910	48,596	56,033	71,089	87,326	106,841	136,644	159,925	193,872

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41	$1.16
Accumulation unit value at end of period	$3.31	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	8,376	8,961	8,737	8,661	9,200	8,752	8,651	8,534	9,937	12,889

Invesco V.I. American Franchise Fund, Series I Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.83	$1.92	$1.52	$1.50	$1.44	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.48	$1.83	$1.92	$1.52	$1.50	$1.44	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,875	2,100	2,454	2,871	3,396	4,080	4,650	5,741	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,564	9,892	10,957	10,172	8,537	7,340	4,139	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22	$1.07
Accumulation unit value at end of period	$2.73	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22
Number of accumulation units outstanding at end of period (000 omitted)	9,144	10,824	13,154	16,100	20,412	24,290	30,112	35,922	43,939	51,081

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05	$1.01
Accumulation unit value at end of period	$2.81	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,647	3,002	3,667	4,546	6,813	5,708	5,335	4,583	4,633	4,675

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38	$1.23
Accumulation unit value at end of period	$2.08	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	7,359	8,808	11,096	13,294	15,354	15,999	15,539	17,045	20,480	24,477

Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.14	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,431	3,957	4,573	5,130	4,277	4,465	5,337	6,385	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

RiverSource Retirement Advisor Variable Annuity — Prospectus 65

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,463	3,665	3,818	5,182	7,482	8,642	5,339	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	17,349	9,865	—	—	—	—	—	—	—	—

Janus Henderson VIT Enterprise Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.65	$1.67	$1.33	$1.20	$1.16	$1.05	$0.80	$0.69	$0.71	$0.57
Accumulation unit value at end of period	$2.20	$1.65	$1.67	$1.33	$1.20	$1.16	$1.05	$0.80	$0.69	$0.71
Number of accumulation units outstanding at end of period (000 omitted)	2,723	3,120	3,318	3,479	3,910	4,202	4,877	5,538	6,760	9,504

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,524	14,892	16,421	16,815	12,008	5,319	1,772	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.41	$1.41	$0.98	$0.87	$0.84	$0.78	$0.58	$0.49	$0.54	$0.44
Accumulation unit value at end of period	$2.02	$1.41	$1.41	$0.98	$0.87	$0.84	$0.78	$0.58	$0.49	$0.54
Number of accumulation units outstanding at end of period (000 omitted)	4,796	5,213	5,998	6,645	7,403	7,502	8,912	10,178	12,352	16,131

Janus Henderson VIT Overseas Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.18	$1.40	$1.08	$1.17	$1.29	$1.49	$1.31	$1.17	$1.75	$1.41
Accumulation unit value at end of period	$1.48	$1.18	$1.40	$1.08	$1.17	$1.29	$1.49	$1.31	$1.17	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	5,720	6,534	7,624	8,888	10,549	12,453	15,967	20,796	28,873	39,710

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96	$0.85
Accumulation unit value at end of period	$2.55	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	5,029	5,388	5,586	6,279	7,362	7,359	9,102	10,929	13,639	18,753

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.49	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,889	3,646	2,938	2,834	3,086	2,470	1,416	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.29	$1.30	$1.02	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.79	$1.29	$1.30	$1.02	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,662	11,070	12,864	15,670	18,780	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29	$0.96
Accumulation unit value at end of period	$3.13	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	4,130	4,380	5,070	5,967	7,470	9,073	12,730	14,561	18,476	17,906

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03	$1.80
Accumulation unit value at end of period	$4.14	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03
Number of accumulation units outstanding at end of period (000 omitted)	11,400	11,893	13,841	15,339	17,604	21,703	22,161	24,763	28,483	30,235

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29	$0.98
Accumulation unit value at end of period	$3.07	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	5,148	4,517	3,608	3,758	4,823	5,706	6,523	7,547	11,091	11,306

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04	$0.86
Accumulation unit value at end of period	$1.57	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,675	4,443	5,766	7,037	8,633	9,869	11,018	11,521	13,857	16,073

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91	$0.75
Accumulation unit value at end of period	$1.33	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	1,670	2,137	2,678	2,865	3,296	3,552	3,805	3,744	4,654	5,093

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.89	$0.96	$0.91	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.89	$0.96	$0.91	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,329	1,181	1,066	1,043	1,028	390	—	—	—	—

66 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25	$1.12
Accumulation unit value at end of period	$1.66	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	11,304	12,577	14,975	16,963	21,291	30,891	40,275	51,223	49,462	49,921

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,190	1,143	1,023	938	1,206	1,023	1,373	1,076	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,655	10,862	8,970	5,911	4,281	3,259	2,683	—	—	—

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.32	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	3,726	4,052	4,245	4,766	5,636	6,247	6,713	7,461	9,245	11,503

Royce Capital Fund – Micro-Cap Portfolio, Investment Class (9/15/1999)
Accumulation unit value at beginning of period	$3.96	$4.40	$4.22	$3.56	$4.11	$4.30	$3.59	$3.37	$3.87	$3.00
Accumulation unit value at end of period	$4.69	$3.96	$4.40	$4.22	$3.56	$4.11	$4.30	$3.59	$3.37	$3.87
Number of accumulation units outstanding at end of period (000 omitted)	1,035	1,215	1,438	1,765	2,098	2,559	3,219	4,108	5,376	7,434

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,203	12,794	12,265	9,937	10,469	9,367	5,007	—	—	—

Third Avenue Value Portfolio (9/21/1999)
Accumulation unit value at beginning of period	$2.99	$3.79	$3.37	$3.03	$3.35	$3.24	$2.75	$2.18	$2.80	$2.48
Accumulation unit value at end of period	$3.33	$2.99	$3.79	$3.37	$3.03	$3.35	$3.24	$2.75	$2.18	$2.80
Number of accumulation units outstanding at end of period (000 omitted)	1,355	1,631	1,984	2,257	2,720	3,329	4,084	4,999	6,239	8,717

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,480	3,448	3,826	3,808	2,337	1,658	856	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	130,387	152,982	169,477	176,564	194,758	199,324	205,762	177,549	153,074	45,018

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	21,751	25,064	31,478	37,085	47,381	54,255	80,004	87,969	109,521	123,203

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	91,936	78,912	91,597	101,651	94,924	100,672	134,759	211,589	152,207	39,107

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	27,564	31,020	39,141	50,251	56,974	65,491	91,676	146,041	137,636	129,583

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	108,282	62,630	10,418	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	98,291	46,893	4,550	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	239,126	190,637	196,362	173,746	84,219	47,213	23,356	—	—	—

RiverSource Retirement Advisor Variable Annuity — Prospectus 67

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	$1.00	—	—	—
Accumulation unit value at end of period	$1.27	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	589,254	551,934	559,214	545,537	342,067	214,158	98,193	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.42	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,413,827	4,142,751	3,565,618	3,079,934	2,461,500	1,530,962	541,712	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (4/30/2012)
Accumulation unit value at beginning of period	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	$1.00	—	—
Accumulation unit value at end of period	$1.44	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,604,543	5,611,465	5,348,661	5,069,930	4,166,843	3,245,376	2,279,309	956,051	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	1,213,328	1,174,752	1,240,606	1,265,648	1,290,607	1,313,689	1,372,194	1,323,161	1,036,629	372,331

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	252,813	294,255	352,246	428,255	534,847	628,237	704,894	756,580	839,441	951,448

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	472,312	543,398	606,530	641,719	690,999	712,898	755,350	671,792	586,675	199,756

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	100,907	122,007	143,369	171,087	217,245	254,402	336,824	380,336	451,744	514,222

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	253,836	242,612	272,779	289,627	299,356	321,778	370,454	457,930	335,257	125,196

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	74,013	82,017	99,579	122,688	154,486	187,724	235,162	314,235	323,133	335,424

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97	$0.88
Accumulation unit value at end of period	$2.11	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	2,060	2,573	3,150	3,677	4,538	5,373	6,310	7,221	9,394	12,490

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01	$1.63
Accumulation unit value at end of period	$3.47	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	4,688	5,226	6,360	7,636	9,211	11,003	13,581	16,925	21,324	26,229

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.01	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.22	$1.07	$1.11	$1.01	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	121,321	76,924	46,011	5,179	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.15	$1.21	$1.03	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.37	$1.15	$1.21	$1.03	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,413,115	921,056	515,181	92,936	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.11	$1.16	$1.02	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.30	$1.11	$1.16	$1.02	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	871,453	630,876	379,986	48,868	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55	$2.06
Accumulation unit value at end of period	$3.99	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55
Number of accumulation units outstanding at end of period (000 omitted)	11,097	13,040	14,860	16,879	20,631	23,709	27,965	32,328	41,066	50,298

68 RiverSource Retirement Advisor Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00	$1.64
Accumulation unit value at end of period	$5.20	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00
Number of accumulation units outstanding at end of period (000 omitted)	13,076	15,269	17,899	20,983	25,786	30,286	36,897	43,824	54,608	67,604

Wells Fargo VT Index Asset Allocation Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.27	$2.36	$2.13	$1.99	$1.99	$1.70	$1.43	$1.28	$1.21	$1.08
Accumulation unit value at end of period	$2.71	$2.27	$2.36	$2.13	$1.99	$1.99	$1.70	$1.43	$1.28	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	2,960	3,272	3,758	4,428	4,780	5,281	6,211	7,204	8,819	11,303

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39	$1.20
Accumulation unit value at end of period	$1.78	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	4,957	5,463	5,939	5,786	7,081	6,905	7,648	9,560	12,050	15,532

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45	$1.16
Accumulation unit value at end of period	$3.37	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	7,614	7,939	7,126	7,160	7,984	7,461	8,750	10,201	12,890	18,266

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,661	3,597	3,339	2,430	2,464	1,908	770	—	—	—

RiverSource Retirement Advisor Variable Annuity — Prospectus 69

Prospectus

May 1, 2020

RiverSource^®

Retirement Advisor Advantage Variable Annuity

Retirement Advisor Select Variable Annuity

Individual Flexible Premium Deferred Combination Fixed/Variable Annuity

Issued by:

RiverSource Life Insurance Company (RiverSource Life)
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Telephone: 1-800-862-7919
(Service Center)
ameriprise.com/variableannuities
RiverSource Variable Account 10

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor Advantage Variable Annuity (RAVA Advantage) or the RiverSource Retirement Advisor Select Variable Annuity (RAVA Select).

New contracts are not currently being offered.

Prospectuses are also available for:

AB Variable Products Series Fund, Inc.

ALPS Variable Investment Trust

American Century Variable Portfolios, Inc.

BlackRock Variable Series, Inc.

Calvert Variable Series, Inc.

Columbia Funds Variable Insurance Trust

Columbia Funds Variable Series Trust II

Credit Suisse Trust

Deutsche DWS Variable Series II

Eaton Vance Variable Trust

Fidelity^® Variable Insurance Products – Service Class 2

Franklin^® Templeton^® Variable Insurance Products Trust – Class 2

Goldman Sachs Variable Insurance Trust (VIT)

Invesco Variable Insurance Funds

Ivy Variable Insurance Portfolios

Janus Aspen Series: Service Shares

Lazard Retirement Series, Inc.

MFS^® Variable Insurance Trust^SM

Morgan Stanley Variable Insurance Fund, Inc. (VIF)

Neuberger Berman Advisers Management Trust

Oppenheimer Variable Account Funds – Service Shares

PIMCO Variable Insurance Trust (VIT)

Putnam Variable Trust – Class IB Shares

Wanger Advisors Trust

VanEck VIP Trust

Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 1

maintains an Internet site. This prospectus, the SAI and other information about the product are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Effects of COVID-19 Pandemic

2 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Beneficiary: The person you designate to receive benefits in case of the owner’s or annuitant’s death while the contract is in force.

Close of business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).

Code: The Internal Revenue Code of 1986, as amended.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed account: Part of our general account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:

•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code
•	Roth IRAs under including inherited Roth IRAs Section 408A of the Code
•	SIMPLE IRAs under Section 408(p) of the Code
•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code
•	Plans under Section 401(k) of the Code
•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code
•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider when you purchase the EEB, EEP or MAV. The rider adds the terms of the optional benefit to your contract.

4 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Settlement date: The date when annuity payouts are scheduled to begin.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 5

The Contracts in Brief

This prospectus describes two contracts. RAVA Advantage offers a choice of a seven-year or a ten-year surrender charge schedule and relatively lower expenses. RAVA Select offers a three-year surrender charge schedule and relatively higher expenses. The information in this prospectus applies to both contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the fixed accounts and/or subaccounts under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

(“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.

Free look period: The contracts in this prospectus are no longer sold. Generally, all available free look periods have now expired.

Accounts: Generally, you may allocate your purchase payments among any or all of:

•

the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the accounts until annuity payouts begin, and once per contract year among the subaccounts after annuity payouts begin. You may establish automated transfers among the accounts. Fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Optional benefits: These contracts offer optional features that are available for additional charges if you meet certain criteria. (see “Optional Benefits”)

Annuity payouts: You can apply your contract value, after reflecting any adjustments, to an annuity payout plan

6 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Expense Summary

Contract Owner Transaction Expenses

Surrender charge for RAVA Advantage

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.*

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7	0	7	4
		8	3
		9	2
		10	0

*	The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.

**	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA Select and Texas contracts issued prior to 11/7/2002

(Contingent deferred sales load as a percentage of purchase payment surrendered)

Years from contract date***	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge for RAVA Select in Texas contracts issued on or after 11/7/2002

(Contingent deferred sales load)

	Surrender charge percentage (as a percentage of purchase payments surrendered) in contract year
Payments made in contract year***	1	2	3	Thereafter
1	8%	7%	6%	0%
2		8	7	0
3			8	0
Thereafter				0

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

8 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

	Assumed investment rate
	3.50%	5.00%
Qualified annuity discount rate	4.72%	6.22%
Nonqualified annuity discount rate	4.92%	6.42%

Surrender charge for fixed annuity payouts, if available:

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuitization.

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

Annual Contract Administrative Charge

$30

(We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)

Optional Rider Fees

(As a percentage of the contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)

MAV rider fee	0.25%*
EEB rider fee	0.30%
EEP rider fee	0.40%
PN rider fee**	0.00%

*	For contracts purchased before May 1, 2003, the MAV rider fee is 0.15%.

**	Effective May 10, 2010, the rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%.

Annual Variable Account Expenses

(Total annual variable account expenses as a percentage of average daily subaccount value)

Mortality and expense risk fee:	RAVA Advantage	RAVA Select
For nonqualified annuities	0.95%	1.20%
For qualified annuities	0.75%	1.00%

Annual Operating Expenses of the Funds

Minimum and maximum total annual operating expenses for the funds⁽¹⁾

(Including management, distribution (12b-1) and/or service fees and other expenses)

	Minimum(%)	Maximum(%)
Total expenses before fee waivers and/or expense reimbursements	0.39	2.78

⁽¹⁾

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 9

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges*, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expense of any of the funds before fee waivers and/or expense reimbursements. They assume that you select the optional MAV and EEP. Although your actual costs may be lower, based on these assumptions your costs would be:

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage
With a ten-year surrender charge schedule	$1,212	$2,091	$2,975	$4,872	$483	$1,451	$2,423	$4,872
RAVA Advantage
With a seven-year surrender charge schedule	1,110	1,981	2,764	4,826	478	1,437	2,400	4,826
RAVA Select	1,134	1,510	2,516	5,028	504	1,510	2,516	5,028
RAVA Select – Texas	1,134	1,510	2,516	5,028	504	1,510	2,516	5,028

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage
With a ten-year surrender charge schedule	$1,193	$2,036	$2,886	$4,704	$462	$1,392	$2,329	$4,704
RAVA Advantage
With a seven-year surrender charge schedule	1,091	1,926	2,675	4,660	458	1,379	2,307	4,660
RAVA Select	1,114	1,452	2,424	4,867	483	1,452	2,424	4,867
RAVA Select – Texas	1,114	1,452	2,424	4,867	483	1,452	2,424	4,867

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage
With a ten-year surrender charge schedule	$923	$1,225	$1,498	$1,917	$169	$520	$892	$1,917
RAVA Advantage
With a seven-year surrender charge schedule	821	1,114	1,284	1,900	167	516	884	1,900
RAVA Select	844	594	1,017	2,176	193	594	1,017	2,176
RAVA Select – Texas	844	594	1,017	2,176	193	594	1,017	2,176

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 11

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix C.

Financial Statements

The Variable Account and the Funds

The Funds: The contract currently offers subaccounts investing in shares of the funds listed in the table below.

Investment objectives: The investment managers and advisers cannot guarantee that the funds will meet their investment objectives.

•	Fund name and management: A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.
•	Eligible purchasers: All funds are available to serve as the underlying investments for variable annuities and variable life insurance policies. The funds are not available to the public (see “Fund name and management” above). Some funds also are available to serve as investment options for tax-deferred retirement plans. It is possible that in the future for tax, regulatory or other reasons, it may be disadvantageous for variable annuity accounts and variable life insurance accounts and/or tax-deferred retirement plans to invest in the available funds simultaneously. Although we and the funds’ providers do not currently foresee any such disadvantages, the boards of directors or trustees of each fund will monitor events in order to identify any material conflicts between annuity owners, policy owners and tax-deferred retirement plans and to determine what action, if any, should be taken in response to a conflict. If a board were to conclude that it should establish separate fund providers for the variable annuity, variable life insurance and tax-deferred retirement plan accounts, you would not bear any expenses associated with establishing separate funds. Please refer to the funds’ prospectuses for risk disclosure regarding simultaneous investments by variable annuity, variable life insurance and tax-deferred retirement plan accounts. Each fund intends to comply with the diversification requirements under Section 817(h) of the Code.
•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 13

	are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.
•	Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. In making these decisions, we may consider various objective and subjective factors. Objective factors include, but are not limited to fund performance, fund expenses, classes of fund shares available, size of the fund and investment objectives and investing style of the fund. Subjective factors include, but are not limited to, investment sub-styles and process, management skill and history at other funds and portfolio concentration and sector weightings. We also consider the levels and types of revenue, including but not limited to expense payments and non-cash compensation a fund, its distributor, investment adviser, subadviser, transfer agent or their affiliates pay us and our affiliates. This revenue includes, but is not limited to compensation for administrative services provided with respect to the fund and support of marketing and distribution expenses incurred with respect to the fund.
•	Money Market fund yield: In low interest rate environments, money market fund yields may decrease to a level where the deduction of fees and charges associated with your contract could result in negative net performance, resulting in a corresponding decrease in your contract value.
•	Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management. We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several funds of funds, including Portfolio Navigator and Portfolio Stabilizer funds. As such, it retains full discretion over the investment activities and investment decisions of the funds. These funds invest in other registered mutual funds. In providing investment advisory services for the funds and the underlying funds in which those funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management Investment Advisers or one of its affiliates serves as the investment adviser to the underlying funds and may provide other services in connection with such underlying funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying fund.
•	Volatility and Volatility Management Risk with the Portfolio Stabilizer funds. Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These types of funds are available under the contracts and one or more of these funds may be offered in other variable annuity and variable life insurance products offered by us. These funds may also be used in conjunction with guaranteed living benefit and death benefit riders we offer with various annuity contracts.
	Conflicts may arise because the manner in which these funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit and death benefit riders. Managed volatility funds employ a strategy to reduce overall volatility and downside risk. A successful strategy may result in smaller losses to your contract value when markets are declining and market volatility is high. In turn, a successful strategy may also result in less gain in your contract value during rising markets with higher volatility when compared to funds not employing a managed volatility strategy. Accordingly, although an investment in the Portfolio Stabilizer funds may mitigate declines in your contract value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your contract value during periods of positive performance by the equity markets. There is no guarantee any of the funds’ strategies will be successful. When offered with a guaranteed living benefit, managed volatility funds may decrease the number and amount of any periodic benefit base increase opportunities. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.
	While Columbia Management is the investment adviser to the Portfolio Navigator and Portfolio Stabilizer funds, it provides no investment advice to you as to whether an allocation to the funds is appropriate for you. You must decide whether an investment in these funds is right for you. Additional information on the funds, including risks and conflicts of interest, is included in their respective prospectuses. Columbia Management advised fund of funds and managed volatility funds and their investment objectives are listed in the table below.

14 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

•	Revenue we receive from the funds and potential conflicts of interest:

Expenses We May Incur on Behalf of the Funds

A complete list of why we may receive this revenue, as well as sources of revenue, is described in detail below.

Payments the Funds May Make to Us

Conflicts of Interest These Payments May Create

The Amount of Payments We Receive from the Funds

We or our affiliates receive revenue which ranges up to 0.65% of the average daily net assets invested in the funds through this and other contracts we and our affiliates issue.

•	Compensating, training and educating financial advisors who sell the contracts.
•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.
•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to contract owners, authorized selling firms and financial advisors.
•	Providing sub-transfer agency and shareholder servicing to contract owners.
•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.
•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.
•	Furnishing personal services to contract owners, including education of contract owners regarding the funds, answering routine inquiries regarding a fund, maintaining accounts or providing such other services eligible for service fees as defined under the rules of the Financial Industry Regulatory Authority (FINRA).
•	Subaccounting services, transaction processing, recordkeeping and administration.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 15

•	Sources of revenue received from affiliated funds: The affiliated funds are managed by Columbia Management or Columbia Wanger. The sources of revenue we receive from these affiliated funds, or from the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We may receive this revenue either in the form of a cash payment or it may be allocated to us.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

•	Sources of revenue received from unaffiliated funds: The unaffiliated funds are not managed by an affiliate of ours. The sources of revenue we receive from these unaffiliated funds, or the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We receive this revenue in the form of a cash payment.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

Investing In	Investment Objective and Policies	Investment Adviser
AB VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk.	AllianceBernstein L.P.
AB VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
ALPS \| Alerian Energy Infrastructure Portfolio: Class III	The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS Advisors, Inc.
American Century VP International, Class II	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC
Calvert VP SRI Balanced Portfolio - Class I	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.	Calvert Research and Management

16 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio - Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Disciplined Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Dividend Opportunity Fund (Class 3)	Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2)	Non-diversified fund that seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Global Strategic Income Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Government Money Market Fund (Class 3)	Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - High Yield Bond Fund (Class 3)	Seeks to provide shareholders with high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Income Opportunities Fund (Class 3)	Seeks to provide shareholders with a high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Intermediate Bond Fund (Class 3)	Seeks to provide shareholders with a high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Growth Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Index Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2)	Seeks to provide shareholders with a level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 17

Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio - Mid Cap Growth Fund (Class 3)	Seeks to provide shareholders with growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Overseas Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Large Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 3)	Seeks to provide shareholders with current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC
Credit Suisse Trust - Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Bloomberg Commodity Index Total Return ("BCOM Index").	Credit Suisse Asset Management, LLC
CTIVP^® - BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser.
CTIVP^® - Lazard International Equity Advantage Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Lazard Asset Management LLC, subadviser.
CTIVP^® - Loomis Sayles Growth Fund (Class 1)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Loomis, Sayles & Company, L.P., subadviser.
CTIVP^® - Victory Sycamore Established Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser.
CTIVP^® - Wells Fargo Short Duration Government Fund (Class 2)	Seeks to provide shareholders with current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.
DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadvisor.
Eaton Vance VT Floating-Rate Income Fund - Initial Class	Seeks high level of current income.	Eaton Vance Management

18 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either "growth" stocks or "value" stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Growth & Income Portfolio Service Class 2	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either "growth" stocks or "value" stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either "growth" or "value" common stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Overseas Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK)) and other investment advisers serve as sub-advisers for the fund.
Franklin Global Real Estate VIP Fund - Class 2	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC
Franklin Income VIP Fund - Class 2	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc.
Franklin Mutual Shares VIP Fund - Class 2	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC
Franklin Small Cap Value VIP Fund - Class 2	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Mutual Advisers, LLC
Goldman Sachs VIT Mid Cap Value Fund - Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 19

Investing In	Investment Objective and Policies	Investment Adviser
Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.
Goldman Sachs VIT U.S. Equity Insights Fund - Institutional Shares	Seeks long-term growth of capital and dividend income.	Goldman Sachs Asset Management, L.P.
Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares	Seeks total return	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco V.I. American Franchise Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.
Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.
Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.
Invesco V.I. Diversified Dividend Fund, Series I Shares	Seeks to provide reasonable current income and long-term growth of income and capital.	Invesco Advisers, Inc.
Invesco V.I. Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Invesco V.I. Technology Fund, Series I Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Ivy VIP Asset Strategy, Class II	Seeks to provide total return.	Ivy Investment Management Company
Janus Henderson Balanced Portfolio: Service Shares	Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.	Janus Capital Management LLC
Janus Henderson Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC

20 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Janus Henderson Global Technology and Innovation Portfolio: Service Shares (previously Janus Henderson VIT Global Technology Portfolio: Service Shares)	Seeks long-term growth of capital.	Janus Capital Management LLC
Janus Henderson Overseas Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC
Janus Henderson Research Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC
Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares	Seeks long-term capital appreciation.	Lazard Asset Management, LLC
MFS^® Massachusetts Investors Growth Stock Portfolio - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® New Discovery Series - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® Utilities Series - Service Class	Seeks total return.	MFS^® Investment Management
Morgan Stanley VIF Discovery Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.
Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.
Neuberger Berman AMT International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing primarily in common stocks of foreign companies.	Neuberger Berman Investment Advisers LLC
Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S)	Seeks long-term growth of capital and income generation.	Neuberger Berman Investment Advisers LLC
PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 21

Investing In	Investment Objective and Policies	Investment Adviser
Putnam VT Global Health Care Fund - Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, investment advisor. Though the investment advisor has retained the services of both Putnam Investments Limited (PIL) and The Putnam Advisory Company, LLC (PAC), PIL and PAC do not currently manage any asses of the fund.
Putnam VT International Equity Fund - Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, investment advisor; Putnam Investments Limited, sub-adviser. Though the investment advisor has retained the services of The Putnam Advisory Company, LLC (PAC), PAC does not currently manage any assets of the fund.
Putnam VT Sustainable Leaders Fund - Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, investment advisor. Though the investment advisor has retained the services of Putnam Investments Limited (PIL), PIL does not currently manage any assets.
Templeton Global Bond VIP Fund - Class 2	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in debt securities of any maturity.	Franklin Advisers, Inc.
VanEck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation
Variable Portfolio - Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk U.S. Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC

22 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Partners Core Equity Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc. and T. Rowe Price Associates, Inc., subadvisers.
Variable Portfolio - Partners Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc., Nuveen Asset Management, LLC and Segall Bryant & Hamill, LLC, subadvisers.
Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wells Fargo VT Index Asset Allocation Fund - Class 2	Seeks long-term total return, consisting of capital appreciation and current income.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT International Equity Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT Opportunity Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT Small Cap Growth Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 23

The General Account

The Fixed Account

Buying Your Contract

New contracts are not currently being offered.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account and/or to the fixed account in tenth of percent increments. For contracts issued on or after July 1, 2003, we reserve the right to limit the amount of any purchase payment allocated to the fixed account to 30% of the purchase payment.

We will credit additional eligible purchase payments you make to your accounts on the valuation date we receive them. If we receive an additional purchase payment at our Service Center before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our Service Center at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

Householding and delivery of certain documents

Purchase Payments

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 25

Minimum allowable purchase payments*

If paying by installments under a scheduled payment plan:

$50 per month

	RAVA Advantage	RAVA Select
If paying by any other method: initial payment for qualified annuities	$1,000	$2,000
initial payment for nonqualified annuities	2,000	10,000
for any additional payments	50	50

Installments must total at least $600 in the first year. If you do not make any purchase payments for 24 months, and your previous payments total $600 or less, we have the right to give you 30 days’ written notice and pay you the total value of your contract in a lump sum. This right does not apply to contracts in Illinois and New Jersey.

Maximum allowable annual purchase payments** based on the age of you or the annuitant, whoever is older, on the effective date of the contract:

	RAVA Advantage	RAVA Select
through age 85	100,000	100,000
for ages 86 to 90	50,000	50,000

**	These annual contribution limits apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive initial purchase payment within 180 days from the application signed date. Purchase payment amounts and purchase payment timing may vary by state and may be limited under the terms of your contract. For RAVA Advantage, except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts, Washington and Oregon.

Subject to state law limitations, we reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:

1.	a partial surrender from the fixed account; or
2.	a lump sum transfer from the fixed account to a subaccount.

How to Make Purchase Payments

11 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

22 By scheduled payment plan

We can help you set up:

•	an automatic payroll deduction, salary reduction or other group billing arrangement; or
•	a bank authorization.

Purchase Payment Credits

For RAVA Advantage: we add a credit to your contract in the amount of:

•	1% of each purchase payment received:

–	if you elect the ten-year surrender charge schedule for your contract*; or
–	if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000.

•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract* and your initial purchase payment to the contract is at least $100,000.

26 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Surrender charges under RAVA Advantage may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full surrender in years five through ten. We pay for the credits under RAVA Advantage primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA Select: we add a credit to your contract in the amount of 1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000.

To the extent a death benefit or surrender payment includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; or (2) a request for surrender charge waiver due to Hospital or Nursing Home Confinement, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits.* The amount we pay to you under these circumstances will always equal or exceed your surrender value.

Expenses under RAVA Select may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing this contract. We pay for the credits under RAVA Select primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

The ten-year surrender charge under RAVA Advantage is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000. For contracts purchased in Oregon, we will not assess a charge equal to the amount of the purchase payment credits upon payment of a death benefit or surrender.

We reserve the right to increase the amount of the credit for certain groups of contract owners. The increase will not be greater than 8% of total net purchase payments. We would pay for increases in credit amounts primarily through reduced expenses expected from such groups.

Limitations on Use of Contracts

The Settlement Date

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 27

Charges

Contract Administrative Charge

We charge this fee for establishing and maintaining your records. We deduct $30 from the contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value.

We will waive this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

Mortality and Expense Risk Fee

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:

	RAVA Advantage	RAVA Select
For nonqualified annuities	0.95%	1.20%
For qualified annuities	0.75%	1.00%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the fixed account.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:

•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;
•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

MAV Rider Fee

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.25%⁽²⁾ of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

If the contract terminates for any reason except death or at the settlement date, we will deduct this fee, adjusted for the number of calendar days coverage was in place. If you choose to drop this rider on an anniversary (subject to the restrictions given in “Optional Benefits”), we will deduct this fee on that anniversary. We cannot increase this annual fee after the rider effective date, and it does not apply after annuity payouts begin or when we pay death benefits.

28 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

EEB Rider Fee

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.30% of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

EEP Rider Fee

We charge a fee for the optional feature only if you select it⁽¹⁾. If selected, we deduct an annual fee of 0.40% of your contract value of RAVA Advantage or RAVA Select on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value.

⁽¹⁾

You may select any one of the MAV, EEB or EEP riders. Or you may select the MAV and either the EEB or the EEP. However, you cannot select both the EEB and the EEP. Riders may not be available in all states. The MAV, EEB and EEP riders are only available if you and the annuitant are age 75 or younger at the rider effective date. EEP is only available on contracts purchased through a transfer or exchange.

⁽²⁾

For contracts purchased before May 8, 2003, the MAV rider fee for RAVA Advantage and RAVA Select is 0.15%.

PN Rider Fee

Before May 10, 2010, we deducted our annual charge of 0.10% of your contract value less any excluded accounts on your contract anniversary at the end of each contract year. This fee is no longer applicable beginning May 10, 2010.

Surrender Charge

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA Advantage, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. For RAVA Select, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. You select the surrender charge period at the time of your application for the contract. The surrender charge percentages that apply to you are shown in your contract.

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA is defined as the greater of:

•	10% of the contract value on the prior contract anniversary, and
•	current contract earnings.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount or the fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

Surrender charge under RAVA Advantage:

For purposes of calculating any surrender charge under RAVA Advantage, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.
3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 29

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7	0	7	4
		8	3
		9	2
		10	0

*	The ten-year surrender charge schedule is not available for contracts issued in Oregon. For contracts issued in Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.

**	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge under RAVA Select (in Texas RAVA Select contracts issued prior to 11/7/2002):

For purposes of calculating any surrender charge under RAVA Select, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:

Contract year	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge under RAVA Select contracts issued in Texas on or after 11/7/2002:

For purposes of calculating any surrender charge under RAVA Select in Texas, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:

	Surrender charge percentage (as a percentage of purchase payments surrendered) in contract year
Payments made in contract year***	1	2	3	Thereafter
1	8%	7%	6%	0%
2		8	7	0
3			8	0
Thereafter				0

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Partial surrenders under RAVA Advantage and RAVA Select

For an example, see Appendix A.

30 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Liquidation charge under Variable Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. For qualified annuities, the discount rate we use in the calculation will be either 4.72% or 6.22%, depending on the applicable assumed investment rate. For nonqualified annuities, the discount rate we use in the calculation will vary between 4.92% and 6.42%, depending on the applicable assumed investment rate. The liquidation charge equals the present value of the remaining payments using the assumed interest rate minus the present value of the remaining payouts using the discount rate.

A surrender charge will be assessed against the present value of any remaining guaranteed payouts surrendered. The discount rate we use in determining present values varies based on: (1) the contract value originally applied to the fixed annuitization; (2) the remaining years of guaranteed payouts; (3) annual effective interest rate and the periodic payment amount for new immediate annuities of the same duration as the remaining years of guaranteed payouts; and (4) the interest spread (currently 1.50%). If we do not currently offer immediate annuities, we will use rates and values applicable to new annuitizations to determine the discount rate.

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuitization.

Waiver of surrender charges

We do not assess surrender charges for:

•	surrenders of any contract earnings;
•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;
•	For RAVA Advantage, amounts surrendered after the tenth contract anniversary in Massachusetts, Washington and Oregon;
•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;
•	contracts settled using an annuity payout plan, unless an Annuity Payout Plan E is later surrendered;
•	amounts we refund to you during the free look period*;
•	death benefits*; and
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue the contract. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender. Under RAVA Advantage, you must provide proof satisfactory to us that, as of the date you request the surrender, you or the annuitant are confined to a nursing home and have been for the prior 90 days and the confinement began after the contract date. Under RAVA Select, you must provide proof satisfactory to us that, as of

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 31

the date you request the surrender, you or your spouse are confined to a nursing home or hospital and have been for 90 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.)

* However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Fund Fees and Expenses

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds.

Premium Taxes

Valuing Your Investment

We value your accounts as follows:

The Fixed Account

We value the amounts you allocated to the fixed account directly in dollars. The fixed account value equals:

•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;
•	minus any prorated portion of the contract administrative charge;
•	minus any prorated portion of the MAV rider charge (if selected);
•	minus any prorated portion of the EEB rider charge (if selected); and
•	minus any prorated portion of the EEP rider charge (if selected).

Subaccounts

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge or charge for any optional riders with annual charges (if applicable).

Number of units: to calculate the number of accumulation units for a particular subaccount we divide your investment by the current accumulation unit value.

Accumulation unit value: the current accumulation unit value for each subaccount equals the last value times the subaccount’s current net investment factor.

We determine the net investment factor by:

•	adding the fund’s current net asset value per share, plus the per share amount of any accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then
•	dividing that sum by the previous adjusted net asset value per share; and

32 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Making the Most of Your Contract

Automated Dollar-Cost Averaging

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. You may not set up automated transfer if the PN program is in effect. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works

By investing an equal number of dollars each month		Month	Amount invested	Accumulation unit value	Number of units purchased
		Jan	$100	$20	5.00
		Feb	100	18	5.56
you automatically buy more units when the per unit market price is low		Mar	100	17	5.88
	→	Apr	100	15	6.67
		May	100	16	6.25
		Jun	100	18	5.56
		Jul	100	17	5.88
and fewer units when the per unit market price is high.		Aug	100	19	5.26
and fewer units when the per unit market price is high.	→	Sept	100	21	4.76
		Oct	100	20	5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

Asset Rebalancing

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program” below).

Portfolio Navigator Program (PN Program)

34 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

The Portfolio Navigator funds. We offer the following Portfolio Navigator funds:

1. Variable Portfolio – Aggressive Portfolio

2. Variable Portfolio – Moderately Aggressive Portfolio

3. Variable Portfolio – Moderate Portfolio

4. Variable Portfolio – Moderately Conservative Portfolio

5. Variable Portfolio – Conservative Portfolio

•	limit your choice of investment options based on the amount of your initial purchase payment we accept or your contract value when you take a surrender;

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 35

•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and
•	discontinue the PN program after 30 days’ written notice.

Transferring Among Accounts

The transfer rights discussed in this section do not apply while the PN program is in effect.

You may transfer contract value from any one subaccount, or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the fixed account.

The date your request to transfer will be processed depends on when and how we receive it:

For transfer requests received in writing:

•	If we receive your transfer request at our Service Center in good order before the close of business, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.
•	If we receive your transfer request at our Service Center in good order at or after the close of business, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

For transfer requests received by phone:

•	If we receive your transfer request at our Service Center in good order before the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.
•	If we receive your transfer request at our Service Center in good order at or after the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.

For more information on transfers after annuity payments begin, see “Transfer Policies” below.

Transfer policies

•

36 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

	accept any transfers to the fixed account. If the fixed account is 20% or more of the contract value, you will not be required to transfer out of the fixed account. Additional transfers into the fixed account will not be allowed unless the value of the fixed account drops to less than 20% of the contract value.
⁽¹⁾	This restriction does not apply to contracts issued in New Jersey and Oregon.

•	You may transfer contract values from the fixed account to the subaccounts once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). For contracts issued on or after July 1, 2003, the transfers out of the fixed account are limited to the greater of: a) 30% of the fixed account value at the beginning of the contract year, or b) the amount transferred out of the fixed account in the previous contract year, excluding any automated transfer amounts. Because of this limitation, it may take you several years to transfer all your contract value from the fixed account. You should carefully consider whether the fixed account meets your investment criteria before you invest.
•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.
•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the valuation date we receive it.
•	We will not accept requests for transfers from the fixed account at any other time.
•	Once annuity payouts begin, you may not make transfers to or from the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise.

Market Timing

Market timing may hurt the performance of an underlying fund in which a subaccount invests in several ways, including but not necessarily limited to:

•	diluting the value of an investment in an underlying fund in which a subaccount invests;
•	increasing the transaction costs and expenses of an underlying fund in which a subaccount invests; and
•	preventing the investment adviser(s) of an underlying fund in which a subaccount invests from fully investing the assets of the fund in accordance with the fund’s investment objectives.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 37

•	requiring transfer requests to be submitted only by first-class U.S. mail;
•	not accepting hand-delivered transfer requests or requests made by overnight mail;
•	not accepting telephone or electronic transfer requests;
•	requiring a minimum time period between each transfer;
•	not accepting transfer requests of an agent acting under power of attorney;
•	limiting the dollar amount that you may transfer at any one time;
•	suspending the transfer privilege; or
•	modifying instructions under an automated transfer program to exclude a restricted fund if you do not provide new instructions.

•	Each fund may restrict or refuse trading activity that the fund determines, in its sole discretion, represents market timing.

•

Even if we determine that your transfer activity does not constitute market timing under the market timing policies described above which we apply to transfers you make under the contract, it is possible that the underlying fund’s market timing policies and procedures, including instructions we receive from a fund, may require us to reject your transfer request. For example, we will attempt to execute transfers permitted under any asset allocation, dollar-cost averaging and asset rebalancing programs that may be described in this prospectus, we cannot guarantee that an underlying fund’s market timing policies and procedures will do so. Orders we place to purchase fund shares for the variable accounts are subject to acceptance by the fund. We reserve the right to reject without prior notice to you any transfer request if the fund does not accept our order.

•

Each underlying fund is responsible for its own market timing policies, and we cannot guarantee that we will be able to implement specific market timing policies and procedures that a fund has adopted. As a result, a fund’s returns might be adversely affected, and a fund might terminate our right to offer its shares through the variable account.

•

Funds that are available as investment options under the contract may also be offered to other intermediaries who are eligible to purchase and hold shares of the fund, including without limitation, separate accounts of other insurance companies and certain retirement plans. Even if we are able to implement a fund’s market timing policies, we cannot guarantee that other intermediaries purchasing that same fund’s shares will do so, and the returns of that fund could be adversely affected as a result.

38 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

How to Request a Transfer or Surrender

11 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers or surrenders:	Contract value or entire account balance

*	Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

22 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers among your subaccounts or fixed account or partial surrenders from the accounts.

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.

•	Automated transfers from the fixed account to any one of the subaccounts may not exceed an amount that, if continued, would deplete the fixed account within 12 months.
•	Automated surrenders may be restricted by applicable law under some contracts.
•	Automated partial surrenders may result in IRS taxes and penalties on all or part of the amount surrendered.
•	You may not make additional systematic payments if automated partial surrenders are in effect.
•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.
•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.
•	If the PN program is in effect, you are not allowed to set up an automated transfer.

Minimum amount
Transfers or surrenders:	$50

Maximum amount
Transfers or surrenders:	None (except for automated transfers from the fixed account)

33 By telephone

Call:
1-800-862-7919

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers:	Contract value or entire account balance
Surrenders:	$100,000

We answer telephone requests promptly, but you may experience delays when the call volume is unusually high. If you are unable to get through, use the mail procedure as an alternative.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 39

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before annuity payouts begin by sending us a written request or calling us.

The date your surrender request will be processed depends on when and how we receive it:

For surrender requests received in writing:

•	If we receive your surrender request at our Service Center in good order before the close of business, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of business, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

For surrender requests received by phone:

•	If we receive your surrender request at our Service Center in good order before the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

Any partial surrender you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes — Qualified Annuities — Required Minimum Distributions”).

Surrender Policies

Receiving Payment

11 By regular or express mail

•	payable to you;
•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

22 By wire or other form of electronic payment

•	request that payment be wired to your bank;
•	pre-authorization required.

40 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

We may also postpone payment of the amount attributable to a purchase payment as part of the total surrender amount until cleared from the originating financial institution.

A Special Note on Cybersecurity Risks

Cybersecurity and Systems Integrity

This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:

•	the corruption or destruction of data;
•	theft, misuse or dissemination of data to the public, including your information we hold; and
•	denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.

TSA — Special Provisions

Participants in Tax-Sheltered Annuities

If the contract is intended to be used in connection with an employer sponsored 403(b) plan, additional rules relating to this contract can be found in the annuity endorsement for tax sheltered 403(b) annuities. Unless we have made special arrangements with your employer, the contract is not intended for use in connection with an employer sponsored 403(b) plan that is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In the event that the employer either by affirmative election or inadvertent action causes contributions under a plan that is subject to ERISA to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder, unless we have prior written agreement with the employer. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:

•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

–	you are at least age 59½;
–	you are disabled as defined in the Code;

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 41

–	you severed employment with the employer who purchased the contract;
–	the distribution is because of your death;
–	the distribution is due to plan termination; or
–	you are a qualifying military reservist.

•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.
•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).
•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.
•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our Service Center. The change will become binding on us when we receive and record it. We will honor any change of ownership request in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the MAV, EEB or EEP. If you change ownership of your contract, we will terminate the EEP. This includes both the EEP Part I benefits and the EEP Part II benefits. (See the description of these terms in “Optional Benefits.”) In addition, the terms of the EEB and the MAV will change due to a change of ownership. If either the new owner or the annuitant is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over”. We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If either the new owner or the annuitant is older than age 75, the MAV will terminate. If the MAV on the date of ownership change is greater than the account value on the date of the ownership change, the MAV will be set equal to the account value. Otherwise, the MAV value will not change due to a change in ownership. Please see the descriptions of these riders in “Optional Benefits.”

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in similar capacity, ownership of the contract may be transferred to the annuitant.

Benefits in Case of Death — Standard Death Benefit

If both you and the annuitant are age 80 or younger on the date of death, the beneficiary receives the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges;
•	purchase payments minus adjusted partial surrenders; or
•	the contract value as of the most recent sixth contract anniversary, preceding the date of death, plus any purchase payments since that anniversary, minus adjusted partial surrenders since that anniversary.

If either you or the annuitant are age 81 or older on the date of death, the beneficiary receives the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

42 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Adjusted partial surrenders	=	PS x DB
		CV

PS	=	the amount by which the contract value is reduced as a result of the partial surrender.
DB	=	is the death benefit on the date of (but prior to) the partial surrender.
CV	=	the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you and the annuitant are age 80 or younger:

•	You purchase the contract with a payment of $20,000.
•	On the sixth contract anniversary the contract value grows to $30,000.
•	During the seventh contract year the contract value falls to $28,000 at which point you take a $1,500 partial surrender, leaving a contract value of $26,500.

We calculate the death benefit as follows:
	The contract value on the most recent sixth contract anniversary:	$30,000.00
	plus purchase payments made since that anniversary:	+0.00
	minus adjusted partial surrenders taken since that anniversary calculated as:
	$1,500 x $30,000	–1,607.14
	$28,000
	for a death benefit of:	$28,392.86

If You Die Before Your Settlement Date

Nonqualified annuities

If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•	the beneficiary elects in writing, and payouts begin, no later than one year after your death, or other date as permitted by the IRS; and
•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Qualified annuities

•

	If you elected any optional contract features and riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.
	We will not waive surrender charges on contracts continued under the spousal continuation provision.

•

•	the surviving spouse;

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 43

•	a lawful child of the owner under the age of majority (remaining amount must be withdrawn within 10 years, once the child reaches the age of majority);
•	disabled within the meaning of Code section 72(m)(7);
•	chronically ill within the meaning of Code section 7702B(c)(2);
•	any other person who is not more than 10 years younger than the owner.

However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA.

We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under a payout plan available under this contract and:

•	the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy for an eligible designated beneficiary. (Payout plans are limited if the beneficiary is not an eligible designated beneficiary.)

•

Spouse and Non-spouse beneficiary: If a beneficiary elects an alternative payment plan which is an inherited IRA, all optional death benefits and living benefits will terminate. The beneficiary must submit the applicable investment options form. No additional purchase payments will be accepted. The death benefit payable on the death of the beneficiary is the greater of the contract value and the Full Surrender Value; the mortality and expense risk fee will be the same as is applicable to the Standard Death Benefit.

•

How we handle contracts under unclaimed property laws

Optional Benefits

Maximum Anniversary Value Death Benefit (MAV)

44 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

the maximum anniversary value at age 81, the MAV rider fee continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to fixed account values during the time you have amounts allocated to the fixed account. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders; or
•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

Terminating the MAV

•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

For an example, see Appendix B.

Enhanced Earnings Death Benefit (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides for reduced benefits if you are or the annuitant is age 70 or older at the rider effective date and it does not provide any additional benefit before the first contract anniversary. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEB is appropriate for your situation.

If both you and the annuitant are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract according to terms determined by us and at our sole discretion. You may not select this rider if you select the EEP.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 45

The EEB provides that if you die or the annuitant dies after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:

•	the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”) or the MAV death benefit amount, if applicable,

PLUS

•	40% of your earnings at death if you and the annuitant were under age 70 on the rider effective date; or
•	15% of your earnings at death if you or the annuitant were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB and EEP: If the rider effective date for the EEB or EEP is the contract issue date, earnings at death is an amount equal to:

•	the standard death benefit amount or the MAV death benefit amount, if applicable (the “death benefit amount”)
•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount

•	minus the greater of:

•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date

•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:

•	the greater of:

•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date

•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB

•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.
•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

For an example, see Appendix B.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If the spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract, he or she may choose to continue the EEB. In this case, the following conditions will apply:

•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”
•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.

46 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

•

the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

Enhanced Earnings Plus Death Benefit (EEP)

The EEP is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEP provides for reduced benefits if you or the annuitant is age 70 or older at the rider effective date. It does not provide any additional benefit before the first contract anniversary and it does not provide any benefit beyond what is offered under the EEB during the second contract year. The EEP also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because part of the benefit paid by the EEP is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEP is appropriate for your situation.

If both you and the annuitant are age 75 or younger at contract issue, you may choose to add the EEP to your contract. You must elect the EEP at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available under annuities purchased through an exchange or direct transfer from another annuity or a life insurance policy. You may not select this rider if you select the EEB.

The EEP provides that if you die or the annuitant dies after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:

•	EEP Part I benefits, which equal the benefits payable under the EEB described above;

PLUS

•	EEP Part II benefits, which equal a percentage of exchange purchase payments identified at issue, received within 6 months from issue and not previously surrendered as follows:

Contract year	Percentage if you and the annuitant are under age 70 on the rider effective date	Percentage if you or the annuitant are 70 or older on the rider effective date
One and Two	0%	0%
Three and Four	10%	3.75%
Five or more	20%	7.5%

Additional death benefits payable under the EEP are not included in the adjusted partial surrender calculation.

If after 6 months, no exchange purchase payments have been received, we will contact you and you will have an additional 30 days to follow-up on exchange purchase payments identified at issue but not received by us. If after these 30 days we have not received any exchange purchase payments, we will convert the EEP rider into an EEB.

Another way to describe the benefits payable under the EEP rider is as follows:

•	the standard death benefit amount (see “Benefits in Case of Death — Standard Death Benefit”) or the MAV death benefit amount, if applicable PLUS

Contract year	If you and the annuitant are under age 70 on the rider effective date, add…	If you or the annuitant are age 70 or older on the rider effective date, add…
1	Zero	Zero
2	40% x earnings at death (see above)	15% x earnings at death
3 & 4	40% x (earnings at death + 25% of exchange purchase payment*)	15% x (earnings at death + 25% of exchange purchase payment*)
5+	40% x (earnings at death + 50% of exchange purchase payment*)	15% x (earnings at death + 50% of exchange purchase payment*)

*	Exchange purchase payments are purchase payments exchanged from another contract that are identified at issue and not previously surrendered.

We are not responsible for identifying exchange purchase payments if we did not receive proper notification from the company from which the purchase payments are exchanged.

Terminating the EEP

•	You may terminate the EEP rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the EEP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 47

•	The EEP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The EEP rider will terminate in the case of an ownership change.
•	The EEP rider will terminate in the case of the spousal continuation if the new owner is age 76 or older.

For an example, see Appendix B.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEP. If your spouse at the time he or she elects to continue the contract has reached age 76, the EEP rider will terminate. If your spouse at the time he or she elects to continue the contract has not yet reached age 76, he or she cannot continue the EEP. However, he or she may choose to convert the EEP rider into an EEB. In this case, the following conditions will apply:

•	the EEB rider will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”
•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.
•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the EEB rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEP rider.

If your spouse chooses not to convert the EEP rider into an EEB, the standard death benefit amount (or the MAV death benefit amount, if applicable) will apply.

NOTE: For special tax considerations associated with the EEP, see “Taxes.”

The Annuity Payout Period

Amounts of fixed and variable payouts depend on:

•	the annuity payout plan you select;
•	the annuitant’s age and, in most cases, the annuitant’s sex;
•	the annuity table in the contract; and
•	the amounts you allocated to the accounts at settlement.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

Annuity Tables

48 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Annuity Payout Plans

•	Plan A — Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.
•	Plan B — Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary in the event the annuitant dies before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.
•	Plan C — Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.
•	Plan D — Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.
•	Plan E — Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that an annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining payouts and pay it to you in a lump sum.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 49

•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or
•	over a period certain not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary.

Taxes

Nonqualified Annuities

Surrenders: Generally, if you surrender all or part of your nonqualified annuity before your annuity payouts begin, including surrenders under any optional withdrawal benefit rider, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 59½ unless certain exceptions apply.

50 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

•	because of your death or in the event of nonnatural ownership, the death of the annuitant;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if it is allocable to an investment before Aug. 14, 1982; or
•	if annuity payouts are made under immediate annuities as defined by the Code.

1035 Exchanges: Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts, annuity contracts and qualified long-term care insurance products, while providing for continued tax deferral of earnings. In addition, Section 1035 permits the carryover of the investment in the contract from the old policy or contract to the new policy or contract. In a 1035 exchange one policy or contract is exchanged for another policy or contract. The following can qualify as nontaxable exchanges: (1) the exchange of a life insurance policy for another life insurance policy or for an endowment, annuity or qualified long-term care insurance contract, (2) the exchange of an endowment contract for an annuity or qualified long-term care insurance contract, or for an endowment contract under which payments will begin no later than payments would have begun under the contract exchanged, (3) the exchange of an annuity contract for another annuity contract or for a qualified long-term care insurance contract, and (4) the exchange of a qualified long-term care insurance contract for a qualified long-term care insurance contract. However, if

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 51

the life insurance policy has an outstanding loan, there may be tax consequences. Additionally, other tax rules apply. Depending on the issue date of your original policy or contract, there may be tax or other benefits that are given up to gain the benefits of the new policy or contract. Consider whether the features and benefits of the new policy or contract outweigh any tax or other benefits of the old contract.

Qualified Annuities

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period.

Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 72 (age 70 ½ if you were born on or before June 30, 1949). RMDs are based on the fair market value of your contract at year-end divided by the life expectancy factor. Certain death benefits and optional riders may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you. Inherited IRAs (including inherited Roth IRAs) are subject to special required minimum distribution rules.

52 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;
•	the payout is a RMD as defined under the Code;
•	the payout is made on account of an eligible hardship; or
•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.

•	because of your death;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if the distribution is made following severance from employment during or after the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or
•	if the distribution is made from an inherited IRA.

Change of retirement plan type: IRS regulations allow for rollovers of certain retirement plan distributions. In some circumstances, you may be able to have an intra-contract rollover, keeping the same features and conditions. If the annuity contract you have does not support an intra-contract rollover, you are able to request an IRS approved rollover to another annuity contract or other investment product that you choose. If you choose another annuity contract or investment product, you will be subject to new rules, including a new surrender charge schedule for an annuity contract, or other product rules as applicable.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

Other

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 53

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:

•	the reserve held in each subaccount for your contract; divided by
•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

54 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Substitution of Investments

We may substitute the funds in which the subaccounts invest if:

•	laws or regulations change;
•	the existing funds become unavailable; or
•	in our judgment, the funds no longer are suitable (or no longer the most suitable) for the subaccounts.

We may also:

•	add new subaccounts;
•	combine any two or more subaccounts;
•	transfer assets to and from the subaccounts or the variable account; and
•	eliminate or close any subaccounts.

We will notify you of any substitution or change.

About the Service Providers

Principal Underwriter

Sales of the Contract

New contracts are not currently being offered.

•

Only securities broker-dealers (“selling firms”) registered with the SEC and members of the FINRA may sell the contract.

•

Payments to Selling Firms

•	We may use compensation plans which vary by selling firm. For example, some of these plans pay selling firms a commission of up to 5.75% each time a purchase payment is made. We may also pay ongoing trail commissions of up to 1.00% of the contract value. We do not pay or withhold payment of commissions based on which investment options you select.
•	We may pay selling firms a temporary additional sales commission of up to 1% of purchase payments for a period of time we select. For example, we may offer to pay a temporary additional sales commission to get selling firms to market a new or enhanced contract or to increase sales during the period.
•	In addition to commissions, we may, in order to promote sales of the contracts, and as permitted by applicable laws and regulations, pay or provide selling firms with other promotional incentives in cash, credit or other compensation. We generally (but may not) offer these promotional incentives to all selling firms. The terms of such arrangements differ between selling firms. These promotional incentives may include but are not limited to:
•	sponsorship of marketing, educational, due diligence and compliance meetings and conferences we or the selling firm may conduct for financial advisors, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;
•	marketing support related to sales of the contract including for example, the creation of marketing materials, advertising and newsletters;
•	providing service to contract owners; and

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 55

•	funding other events sponsored by a selling firm that may encourage the selling firm’s financial advisors to sell the contract.

Sources of Payments to Selling Firms

We pay the commissions and other compensation described above from our assets. Our assets may include:

•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);
•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The funds”);
•	compensation we or an affiliate receive from a fund’s investment adviser, subadviser, distributor or an affiliate of any of these (see “The Variable Account and the Funds — The funds”); and
•	revenues we receive from other contracts and policies we sell that are not securities and other businesses we conduct.

•	fees and expenses we collect from contract owners, including surrender charges; and
•	fees and expenses charged by the underlying funds in which the subaccounts you select invest, to the extent we or one of our affiliates receive revenue from the funds or an affiliated person.

Potential Conflicts of Interest

Compensation payment arrangements with selling firms can potentially:

•	give selling firms a heightened financial incentive to sell the contract offered in this prospectus over another investment with lower compensation to the selling firm.
•	cause selling firms to encourage their financial advisors to sell you the contract offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.
•	cause selling firms to grant us access to its financial advisors to promote sales of the contract offered in this prospectus, while denying that access to other firms offering similar contracts or other alternative investments which may pay lower compensation to the selling firm.

Payments to Financial Advisors

•	The selling firm pays its financial advisors. The selling firm decides the compensation and benefits it will pay its financial advisors.
•	To inform yourself of any potential conflicts of interest, ask your financial advisor before you buy how the selling firm and its financial advisors are being compensated and the amount of the compensation that each will receive if you buy the contract.

Service Providers

Our Service Center performs certain administrative services on the contracts and policies we issue. The address and telephone number of our Service Center are listed on the first page of the prospectus. We also have entered into agreements with certain entities to provide the identified services in connection with the contracts and policies we issue. The entities engaged by RiverSource Life may change over time. Entities that provided services to RiverSource Life in 2019 are listed in the table below.

Name of Service Provider	Services Provided	Address
Ameriprise Financial, Inc.	Business affairs management and administrative support related to new business and servicing of existing contracts and policies	707 Second Avenue South Minneapolis MN 55402 USA
Ameriprise India Private Limited	Administrative support related to new business and servicing of existing contracts and policies annual report filings	Plot No. 14, Sector 18 Udyog Vihar Gurugram, Haryana – 122 015 India

56 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Name of Service Provider	Services Provided	Address
Sykes Enterprise Incorporated	Administrative support related to e new business and servicing of existing contracts and policies	10^th Floor, Glorietta BPO 1 Office Tower Makati City 1224 Metro Manila Philippines

Issuer

Legal Proceedings

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 57

Appendix A: Example — Surrender Charges

Partial surrender charge calculation example

Assume you requested a surrender of $1,000 and there is a surrender charge of 7%. The total amount we actually deduct from your contract is $1,075.27. We determine this amount as follows:

Amount requested	or	$1,000	=	$1,075.27
1.00 – surrender charge		.93

Surrender charge calculation example

The following is an example of the calculation we would make to determine the surrender charge on a RAVA Advantage contract that contains a seven-year surrender charge schedule with this history:

•	We received these payments:

•	$10,000 paid on the contract date;
•	$8,000 paid on the sixth contract anniversary;
•	$6,000 paid on the eighth contract anniversary; and

•	The owner surrenders the contract for its total contract value of $26,500 and had not made any other surrenders during that contract year; and
•	The contract value was $28,000 on the ninth contract anniversary.

Surrender Charge	Explanation
$0	$2,500 is contract earnings surrendered without charge; and
0	$300 is 10% of the prior anniversary contract value that is in excess of contract earnings surrendered without charge (from above). 10% of $28,000 = $2,800 – $2,500 = $300
0	$10,000 payment was received eight or more years before surrender and is surrendered without surrender charge; and
480	$8,000 payment is surrendered with a 6% surrender charge since there have been 3 completed years from date of purchase payment; and
420	$6,000 payment is surrendered with a 7% surrender charge since there has been 1 completed year from date of purchase payment.
$900

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 59

Appendix B: Example — Optional Benefits

Example — MAV Death Benefit

•	You purchase the contract (with the MAV rider) with a payment of $20,000.
•	On the first contract anniversary the contract value grows to $24,000.
•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.

We calculate the death benefit as follows:
The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$24,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	($1,500 × $24,000)	=	–1,636
	$22,000	=
	for a death benefit of:		$22,364

Example — EEB Death Benefit

•	You purchase the contract with a payment of $100,000 and both you and the annuitant are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEB.
•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value, or $105,000. You have not reached the first contract anniversary so the EEB does not provide any additional benefit at this time.
•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:

MAV death benefit amount (contract value):	$110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:

MAV death benefit amount (maximum anniversary value):	$110,000
plus the EEB (40% of earnings at death):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $48,025. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):
$110,000 –	($50,000 × $110,000)	=	$57,619
	$105,000
plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048
Total death benefit of:			$58,667

•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.

60 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:

MAV death benefit amount (contract value):	$200,000
plus the EEB (40% of earnings at death):
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$255,000

•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEB (40% of earnings at death):
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$305,000

•	During the eleventh contract year the contract value remains $250,000 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,000 – $105,000) =	+58,000
Total death benefit of:	$308,000

Example — EEP Death Benefit

•	You purchase the contract with an exchange purchase payment of $100,000 and both you and the annuitant are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEP.
•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit amount, which is the contract value, or $105,000. You have not reached the first contract anniversary so neither the EEP Part I nor Part II provides any additional benefit at this time.
•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the EEP Part II does not provide any additional benefit at this time. The death benefit equals:

MAV death benefit amount (contract value):	$110,000
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit amount minus purchase payments not previously surrendered):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:

MAV death benefit amount (maximum anniversary value):	$110,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($110,000 – $100,000) =	+4,000
plus the EEP Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $100,000 =	+10,000
Total death benefit of:	$124,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 61

$110,000 –	($50,000 × $110,000)	=	$57,619
	$105,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048
plus the EEP Part II which in the third contract year equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $55,000 =			+5,500
Total death benefit of:			$64,167

•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.
•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. Because we are beyond the fourth contract anniversary the EEP also reaches its maximum of 20%. The death benefit equals:

MAV death benefit amount (contract value):	$200,000
plus the EEP Part I (40% of earnings at death):
0.40 × (2.50 × $55,000) =	+55,000
plus the EEP Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =	+11,000
Total death benefit of:	$266,000

•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,000. The new purchase payment is less than one year old and so it has no effect on either the EEP Part I or EEP Part II. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEP Part I (40% of earnings at death):
0.40 × (2.50 × $55,000) =	+55,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =	+11,000
Total death benefit of:	$316,000

•	During the eleventh contract year the contract value remains $250,000 and the “new” purchase payment is now one year old. The value of the EEP Part I changes but the value of the EEP Part II remains constant. The death benefit equals:

MAV death benefit amount (contract value):	$250,000
plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit minus payments not previously surrendered):
0.40 × ($250,000 – $105,000) =	+58,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered:
0.20 × $55,000 =	+11,000
Total death benefit of:	$319,000

62 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Appendix C: Condensed Financial Information (Unaudited)

The following tables give per-unit information about the financial history of each subaccount representing the lowest and highest total annual variable account expense combinations for each contract. The date in which operations commenced in each subaccount is noted in parentheses. The SAI contains tables that give per-unit information about the financial history of each existing subaccount. We have not provided this information for subaccounts that were not available under your contract as of December 31, 2019. You may obtain a copy of the SAI without charge by contacting us at the telephone number or address listed on the first page of the prospectus.

Variable account charges of 0.75% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.16	$1.26	$1.11	$1.08	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	$1.16	$1.26	$1.11	$1.08	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	219	290	557	776	932	699	542	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26	$1.07
Accumulation unit value at end of period	$2.14	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	821	940	1,296	1,165	1,366	1,644	1,917	2,217	3,348	4,452

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06	$0.95
Accumulation unit value at end of period	$2.83	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	12,899	14,427	16,253	19,036	23,500	28,225	34,405	40,750	48,468	55,671

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69	$1.63
Accumulation unit value at end of period	$1.91	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	21,587	24,463	27,445	32,314	39,737	47,056	56,626	67,635	83,009	102,937

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$0.96	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,994	4,996	6,613	8,138	9,450	10,226	4,271	—	—	—

American Century VP International, Class II (8/13/2001)
Accumulation unit value at beginning of period	$1.66	$1.98	$1.52	$1.62	$1.63	$1.74	$1.43	$1.19	$1.37	$1.22
Accumulation unit value at end of period	$2.11	$1.66	$1.98	$1.52	$1.62	$1.63	$1.74	$1.43	$1.19	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	4,790	5,647	6,126	7,243	8,868	10,641	12,866	15,014	19,142	22,872

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03	$0.87
Accumulation unit value at end of period	$2.53	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	5,030	6,305	7,855	8,606	7,653	8,037	9,110	9,353	11,208	12,924

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06	$0.92
Accumulation unit value at end of period	$3.38	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	3,596	3,998	3,606	4,304	5,243	5,961	7,242	8,724	10,122	11,063

American Century VP Value, Class II (8/13/2001)
Accumulation unit value at beginning of period	$2.66	$2.95	$2.74	$2.29	$2.41	$2.15	$1.65	$1.45	$1.45	$1.29
Accumulation unit value at end of period	$3.35	$2.66	$2.95	$2.74	$2.29	$2.41	$2.15	$1.65	$1.45	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	14,833	17,636	20,946	25,296	29,626	35,660	42,005	47,968	56,802	64,096

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.45	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,460	7,010	7,930	9,667	12,251	12,313	10,851	3,746	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07	$0.97
Accumulation unit value at end of period	$2.15	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	6,082	6,216	6,913	7,847	8,548	9,533	10,738	11,585	12,719	14,304

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19	$1.07
Accumulation unit value at end of period	$2.49	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	31,662	35,991	41,748	45,866	42,888	43,176	45,325	46,103	53,355	61,921

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.56	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	486	597	588	522	323	264	148	—	—	—

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 63

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.14	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,794	7,527	9,128	9,275	7,402	4,306	1,941	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80	$0.69
Accumulation unit value at end of period	$2.25	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80
Number of accumulation units outstanding at end of period (000 omitted)	56,895	64,250	73,368	85,755	99,258	111,603	136,765	160,002	186,291	218,715

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.82	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	439	468	666	779	954	886	732	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68	$1.45
Accumulation unit value at end of period	$3.49	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68
Number of accumulation units outstanding at end of period (000 omitted)	50,962	58,903	70,804	85,168	101,431	122,319	144,917	166,205	206,688	256,449

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,829	1,620	2,188	1,875	1,993	2,349	792	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65	$2.23
Accumulation unit value at end of period	$3.28	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65
Number of accumulation units outstanding at end of period (000 omitted)	10,944	13,169	14,820	17,346	22,226	26,833	33,013	38,627	46,641	56,730

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78	$1.68
Accumulation unit value at end of period	$1.77	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	13,209	15,564	18,858	22,431	28,050	36,004	46,672	62,204	73,158	88,623

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21	$1.22
Accumulation unit value at end of period	$1.17	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	26,927	33,314	35,185	45,094	50,441	60,289	76,751	96,155	124,252	134,040

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78	$1.57
Accumulation unit value at end of period	$2.95	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	21,571	25,778	33,054	39,523	47,359	59,210	69,676	82,188	91,967	111,083

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49	$1.33
Accumulation unit value at end of period	$2.41	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	15,746	18,683	23,972	28,890	24,814	30,197	36,897	46,830	49,398	56,452

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59	$1.48
Accumulation unit value at end of period	$2.08	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59
Number of accumulation units outstanding at end of period (000 omitted)	50,289	54,724	66,114	78,420	93,168	115,549	145,968	214,369	232,229	282,705

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65	$0.56
Accumulation unit value at end of period	$1.94	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65
Number of accumulation units outstanding at end of period (000 omitted)	34,560	40,358	46,606	53,836	67,474	68,409	78,647	88,846	104,494	124,302

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93	$0.81
Accumulation unit value at end of period	$2.58	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	27,733	31,251	34,243	37,921	41,507	46,410	52,071	57,241	65,653	77,987

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.96	$0.97	$0.96	$0.92	$0.95	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.96	$0.97	$0.96	$0.92	$0.95	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,063	5,086	4,860	4,756	3,113	2,198	—	—	—	—

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,683	1,888	2,251	2,763	2,101	1,037	250	—	—	—

64 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53	$1.22
Accumulation unit value at end of period	$3.22	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53
Number of accumulation units outstanding at end of period (000 omitted)	7,767	9,252	10,599	12,269	15,090	15,914	19,000	22,638	28,726	34,995

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06	$0.94
Accumulation unit value at end of period	$1.50	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	11,984	14,095	16,826	20,497	17,829	19,193	22,743	26,232	32,942	39,494

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19	$1.00
Accumulation unit value at end of period	$3.04	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	3,521	4,024	4,905	5,147	6,782	10,454	11,118	8,170	9,950	10,640

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38	$1.14
Accumulation unit value at end of period	$3.02	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	5,023	6,098	7,406	9,512	12,169	15,152	17,694	20,051	25,903	33,723

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79	$1.42
Accumulation unit value at end of period	$3.60	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79
Number of accumulation units outstanding at end of period (000 omitted)	4,360	5,045	5,792	7,202	8,712	10,198	11,928	13,295	16,466	19,549

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36	$1.33
Accumulation unit value at end of period	$1.57	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	14,490	17,423	21,276	25,182	29,036	34,815	43,683	65,849	78,480	95,906

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02	$0.88
Accumulation unit value at end of period	$0.49	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	7,960	9,227	10,686	13,250	17,134	19,487	24,974	31,771	38,081	37,446

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.90	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,611	2,513	3,697	5,372	4,835	3,206	2,181	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23	$1.19
Accumulation unit value at end of period	$1.61	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23
Number of accumulation units outstanding at end of period (000 omitted)	15,667	18,749	21,464	24,619	30,622	37,782	51,052	72,377	82,435	92,837

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	990	1,173	1,137	599	503	411	128	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.40	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.77	$1.35	$1.40	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	22,698	27,660	32,668	39,908	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40	$1.16
Accumulation unit value at end of period	$3.50	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	3,437	3,735	3,974	3,948	3,656	3,187	3,576	3,731	4,276	4,535

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.99	$0.99	$0.99	$0.99	$1.00	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.99	$0.99	$0.99	$0.99	$1.00	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,105	3,323	3,290	3,278	1,789	774	—	—	—	—

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.08	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,437	2,620	3,691	5,161	7,060	8,699	8,510	3,246	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17	$1.08
Accumulation unit value at end of period	$1.50	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	20,974	30,224	31,185	38,065	45,917	61,310	86,779	67,900	74,599	74,514

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 65

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07	$0.92
Accumulation unit value at end of period	$2.65	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	35,591	43,615	52,100	65,724	83,777	99,718	116,341	135,683	162,922	192,769

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.30	$2.55	$2.20	$1.91	$1.98	$1.81	$1.37	$1.17	$1.16	$1.02
Accumulation unit value at end of period	$2.96	$2.30	$2.55	$2.20	$1.91	$1.98	$1.81	$1.37	$1.17	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	17,139	19,845	23,398	28,014	33,898	39,470	47,015	55,533	65,028	77,301

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$3.92	$4.64	$3.87	$3.49	$3.57	$3.39	$2.52	$2.21	$2.50	$1.96
Accumulation unit value at end of period	$4.79	$3.92	$4.64	$3.87	$3.49	$3.57	$3.39	$2.52	$2.21	$2.50
Number of accumulation units outstanding at end of period (000 omitted)	25,249	29,544	34,697	41,532	50,778	60,701	73,540	88,455	109,162	132,015

Fidelity^® VIP Overseas Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$1.80	$2.13	$1.65	$1.76	$1.72	$1.88	$1.46	$1.22	$1.49	$1.33
Accumulation unit value at end of period	$2.28	$1.80	$2.13	$1.65	$1.76	$1.72	$1.88	$1.46	$1.22	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	8,444	9,827	11,286	13,142	16,089	18,368	21,346	24,321	30,682	36,566

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	21,675	19,164	19,388	14,131	11,862	10,757	4,174	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06	$1.71
Accumulation unit value at end of period	$3.46	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06
Number of accumulation units outstanding at end of period (000 omitted)	10,291	11,941	14,393	17,523	20,751	24,367	28,482	31,720	36,714	42,372

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.38	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,854	4,196	5,242	6,248	7,995	12,165	4,290	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.13	$2.36	$2.19	$1.90	$2.02	$1.90	$1.49	$1.32	$1.34	$1.21
Accumulation unit value at end of period	$2.59	$2.13	$2.36	$2.19	$1.90	$2.02	$1.90	$1.49	$1.32	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	8,891	10,551	12,711	15,464	19,783	23,577	28,344	33,231	41,319	50,331

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58	$2.02
Accumulation unit value at end of period	$5.52	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58
Number of accumulation units outstanding at end of period (000 omitted)	6,796	7,900	9,189	11,128	13,068	15,820	19,202	22,727	28,384	34,971

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80	$2.26
Accumulation unit value at end of period	$5.92	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80
Number of accumulation units outstanding at end of period (000 omitted)	11,472	13,427	15,857	19,292	24,147	29,253	35,669	42,578	52,628	64,121

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.95	$0.91	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.94	$0.88	$0.95	$0.91	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	403	512	502	510	660	127	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96	$0.85
Accumulation unit value at end of period	$2.75	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	17,850	21,440	24,413	28,337	34,522	42,520	52,166	61,881	73,864	90,486

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51	$1.31
Accumulation unit value at end of period	$3.25	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	9,564	11,081	11,933	13,366	16,675	17,576	19,743	21,566	26,339	29,183

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43	$1.25
Accumulation unit value at end of period	$1.80	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	37,903	45,692	57,738	70,562	91,448	113,907	148,191	194,916	225,204	265,863

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43	$1.17
Accumulation unit value at end of period	$3.42	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	5,021	6,187	7,204	8,432	10,064	11,134	12,453	13,918	16,342	19,999

66 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.83	$1.91	$1.52	$1.50	$1.44	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.47	$1.83	$1.91	$1.52	$1.50	$1.44	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,190	12,062	13,914	16,432	20,234	25,717	37,224	45,878	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,210	3,974	4,881	6,372	5,830	5,961	3,989	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24	$1.08
Accumulation unit value at end of period	$2.82	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	17,651	20,743	23,714	29,195	36,594	44,743	58,839	71,034	86,061	100,324

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.80	$1.96	$1.82	$1.60	$1.58	$1.41	$1.08	$0.92	$1.00	—
Accumulation unit value at end of period	$2.23	$1.80	$1.96	$1.82	$1.60	$1.58	$1.41	$1.08	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	5,294	6,421	8,817	11,123	9,480	10,108	10,022	8,770	7,943	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06	$1.01
Accumulation unit value at end of period	$2.88	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	4,476	5,182	5,775	7,206	9,967	8,435	8,251	7,227	7,312	7,456

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39	$1.24
Accumulation unit value at end of period	$2.14	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	9,307	10,981	13,343	16,183	19,632	21,336	22,446	25,580	30,304	36,189

Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.63	$1.74	$1.43	$1.43	$1.43	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.18	$1.63	$1.74	$1.43	$1.43	$1.43	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,928	5,816	6,671	7,681	6,253	6,746	7,534	8,633	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.74	$1.77	$1.32	$1.34	$1.26	$1.14	$0.92	$0.83	$0.88	$0.73
Accumulation unit value at end of period	$2.35	$1.74	$1.77	$1.32	$1.34	$1.26	$1.14	$0.92	$0.83	$0.88
Number of accumulation units outstanding at end of period (000 omitted)	5,654	6,637	7,010	8,239	10,720	11,392	14,171	16,565	19,212	21,966

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,041	1,296	1,139	1,903	4,502	7,146	5,619	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,558	3,424	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,954	5,503	7,136	8,973	8,003	5,580	2,585	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.46	$1.46	$1.02	$0.90	$0.87	$0.80	$0.59	$0.50	$0.55	$0.45
Accumulation unit value at end of period	$2.10	$1.46	$1.46	$1.02	$0.90	$0.87	$0.80	$0.59	$0.50	$0.55
Number of accumulation units outstanding at end of period (000 omitted)	8,062	9,388	10,067	11,402	13,269	13,465	15,146	17,509	21,201	27,036

Janus Henderson VIT Overseas Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.22	$1.45	$1.12	$1.21	$1.33	$1.53	$1.35	$1.20	$1.78	$1.44
Accumulation unit value at end of period	$1.54	$1.22	$1.45	$1.12	$1.21	$1.33	$1.53	$1.35	$1.20	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	7,679	9,024	9,962	11,534	13,772	16,808	20,940	28,307	40,311	55,565

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97	$0.85
Accumulation unit value at end of period	$2.62	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	3,577	4,372	5,241	6,858	8,758	10,293	13,621	17,837	22,462	31,752

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.51	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,441	1,698	1,889	1,887	2,967	2,403	847	—	—	—

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 67

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.30	$1.31	$1.03	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.81	$1.30	$1.31	$1.03	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	15,918	18,155	21,374	26,361	29,852	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32	$0.98
Accumulation unit value at end of period	$3.26	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32
Number of accumulation units outstanding at end of period (000 omitted)	6,354	7,244	8,165	9,359	11,054	13,024	17,289	20,047	25,583	25,934

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07	$1.83
Accumulation unit value at end of period	$4.30	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07
Number of accumulation units outstanding at end of period (000 omitted)	10,023	11,894	14,937	18,140	22,267	28,660	32,640	38,539	46,187	47,357

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30	$0.99
Accumulation unit value at end of period	$3.15	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30
Number of accumulation units outstanding at end of period (000 omitted)	2,956	3,006	2,861	3,447	5,011	6,944	8,493	11,635	18,214	17,947

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05	$0.86
Accumulation unit value at end of period	$1.61	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	4,778	5,713	7,471	9,576	11,978	14,762	17,893	19,518	22,051	25,144

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92	$0.76
Accumulation unit value at end of period	$1.36	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92
Number of accumulation units outstanding at end of period (000 omitted)	2,206	2,710	3,148	3,895	4,606	5,357	6,179	6,765	8,478	9,073

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.90	$0.97	$0.92	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.90	$0.97	$0.92	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	233	232	205	319	625	394	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26	$1.13
Accumulation unit value at end of period	$1.71	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	8,794	11,230	14,290	17,412	22,911	33,579	48,561	69,811	69,382	75,522

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.23	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	331	252	564	456	489	564	1,413	863	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,094	3,206	3,656	2,858	2,518	2,388	1,912	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$2.59	$2.62	$2.29	$2.60	$2.43	$1.92	$1.37	$1.13	$1.15	$1.13
Accumulation unit value at end of period	$3.35	$2.59	$2.62	$2.29	$2.60	$2.43	$1.92	$1.37	$1.13	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	3,741	4,650	5,115	6,216	7,902	7,014	7,225	7,626	9,058	10,511

Putnam VT International Equity Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.50	$1.87	$1.49	$1.54	$1.55	$1.67	$1.31	$1.09	$1.32	$1.21
Accumulation unit value at end of period	$1.86	$1.50	$1.87	$1.49	$1.54	$1.55	$1.67	$1.31	$1.09	$1.32
Number of accumulation units outstanding at end of period (000 omitted)	3,430	3,904	4,456	5,116	6,243	6,615	7,141	8,813	11,088	13,460

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13	$1.00
Accumulation unit value at end of period	$3.38	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	5,301	5,938	6,675	7,563	8,757	9,746	10,340	11,916	14,126	17,030

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,598	6,218	5,975	6,206	8,164	9,101	5,646	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.01	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,997	2,249	2,597	2,628	1,726	1,627	1,091	—	—	—

68 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	33,745	38,345	43,514	50,082	60,288	63,443	68,358	59,074	57,559	22,643

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	44,556	52,291	60,191	78,390	114,075	129,138	183,069	213,296	258,558	287,015

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,769	25,210	29,606	37,496	40,298	49,392	66,474	103,582	81,730	19,114

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,716	29,121	38,284	57,218	65,986	78,435	116,673	217,500	212,474	171,495

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,239	682	352	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	727	913	94	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,344	4,977	5,001	7,206	4,914	3,681	1,043	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.24	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,389	13,370	16,093	20,641	18,517	19,479	5,574	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$1.32	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	129,327	159,164	191,800	228,224	289,766	312,945	99,233	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	93,658	107,282	126,718	154,932	183,214	196,193	66,746	—	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	174,468	202,039	234,364	280,217	332,868	381,681	402,208	377,699	318,883	150,412

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	364,142	431,168	523,884	657,883	868,373	1,018,857	1,191,618	1,322,146	1,448,513	1,625,658

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	96,238	114,303	133,356	159,472	196,684	215,308	232,062	196,988	181,157	85,099

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	158,304	190,984	231,699	301,436	428,536	508,398	710,239	837,813	998,828	1,122,490

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	60,278	63,093	74,527	89,762	104,766	126,041	154,600	197,629	149,512	53,054

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 69

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	84,416	97,809	123,526	154,885	197,656	251,755	329,684	449,177	439,108	454,692

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98	$0.89
Accumulation unit value at end of period	$2.17	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98
Number of accumulation units outstanding at end of period (000 omitted)	3,242	3,980	5,057	6,538	8,047	9,697	12,078	13,840	18,111	24,428

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05	$1.66
Accumulation unit value at end of period	$3.60	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	8,707	9,947	11,438	13,862	16,653	20,098	25,397	31,851	39,424	48,893

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.14	$1.00	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,838	921	76	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.06	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.01	$1.06	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,821	6,834	527	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.05	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.18	$1.01	$1.05	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,164	4,216	566	—	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61	$2.11
Accumulation unit value at end of period	$4.16	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61
Number of accumulation units outstanding at end of period (000 omitted)	16,629	19,893	22,964	26,925	33,012	38,989	46,513	53,436	66,511	80,435

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05	$1.67
Accumulation unit value at end of period	$5.42	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	20,964	24,348	28,181	33,677	41,194	48,912	59,078	69,932	84,309	102,578

Wells Fargo VT Index Asset Allocation Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.35	$2.44	$2.19	$2.05	$2.04	$1.74	$1.47	$1.31	$1.24	$1.10
Accumulation unit value at end of period	$2.81	$2.35	$2.44	$2.19	$2.05	$2.04	$1.74	$1.47	$1.31	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	4,557	5,333	6,317	7,018	7,663	8,314	8,990	10,621	12,268	15,176

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41	$1.22
Accumulation unit value at end of period	$1.83	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	4,943	5,701	6,518	7,395	9,405	9,714	11,282	13,374	16,786	20,616

Wells Fargo VT Opportunity Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.78	$3.02	$2.53	$2.27	$2.36	$2.15	$1.66	$1.45	$1.54	$1.26
Accumulation unit value at end of period	$3.63	$2.78	$3.02	$2.53	$2.27	$2.36	$2.15	$1.66	$1.45	$1.54
Number of accumulation units outstanding at end of period (000 omitted)	4,264	5,008	6,004	7,213	8,627	10,332	12,893	16,305	21,795	16,904

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48	$1.18
Accumulation unit value at end of period	$3.49	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48
Number of accumulation units outstanding at end of period (000 omitted)	4,447	5,146	5,829	7,000	8,952	9,801	12,946	15,400	20,502	28,351

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	924	758	1,529	720	897	1,272	811	—	—	—

Variable account charges of 0.95% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,267	1,985	1,825	1,643	1,676	1,226	791	—	—	—

70 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25	$1.07
Accumulation unit value at end of period	$2.08	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	604	661	741	784	981	1,097	1,106	1,313	1,642	2,571

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04	$0.93
Accumulation unit value at end of period	$2.73	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	8,662	9,611	10,497	12,411	15,071	17,244	20,041	23,312	28,840	33,656

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66	$1.61
Accumulation unit value at end of period	$1.84	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66
Number of accumulation units outstanding at end of period (000 omitted)	12,332	14,196	16,581	19,257	22,777	26,270	31,753	38,807	49,799	63,534

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.95	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,883	11,708	13,653	13,785	12,552	10,397	3,655	—	—	—

American Century VP International, Class II (8/13/2001)
Accumulation unit value at beginning of period	$1.61	$1.91	$1.48	$1.58	$1.58	$1.70	$1.40	$1.17	$1.34	$1.20
Accumulation unit value at end of period	$2.04	$1.61	$1.91	$1.48	$1.58	$1.58	$1.70	$1.40	$1.17	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	3,262	3,984	4,566	5,027	5,982	6,783	7,794	8,843	10,596	12,837

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02	$0.87
Accumulation unit value at end of period	$2.47	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	4,506	5,384	6,486	6,832	6,055	6,214	6,845	6,830	7,355	8,798

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05	$0.91
Accumulation unit value at end of period	$3.28	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,517	2,688	2,417	2,436	3,222	3,475	3,871	4,871	5,322	5,909

American Century VP Value, Class II (8/13/2001)
Accumulation unit value at beginning of period	$2.56	$2.85	$2.65	$2.23	$2.34	$2.10	$1.61	$1.42	$1.42	$1.27
Accumulation unit value at end of period	$3.22	$2.56	$2.85	$2.65	$2.23	$2.34	$2.10	$1.61	$1.42	$1.42
Number of accumulation units outstanding at end of period (000 omitted)	16,561	18,256	20,496	22,042	23,479	26,320	29,234	31,529	36,454	41,940

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.43	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	18,379	19,527	20,271	19,437	19,317	15,638	11,699	3,226	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05	$0.95
Accumulation unit value at end of period	$2.07	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,901	3,039	3,259	3,625	4,176	5,003	5,639	6,095	6,505	8,238

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16	$1.04
Accumulation unit value at end of period	$2.39	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	52,172	50,535	51,410	47,474	37,714	33,526	33,040	33,359	39,535	45,791

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.55	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,883	2,926	2,321	1,718	1,625	587	150	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.11	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,017	16,602	17,049	14,367	9,669	5,364	2,048	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79	$0.68
Accumulation unit value at end of period	$2.16	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79
Number of accumulation units outstanding at end of period (000 omitted)	27,303	30,658	35,737	41,964	51,782	57,394	69,472	84,369	100,737	120,427

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.81	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,430	1,034	885	1,007	1,105	1,051	707	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 71

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65	$1.42
Accumulation unit value at end of period	$3.35	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	29,737	34,660	41,891	50,434	60,130	73,666	87,069	99,992	126,113	156,962

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,583	4,429	4,150	2,851	2,505	2,761	1,137	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60	$2.19
Accumulation unit value at end of period	$3.16	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60
Number of accumulation units outstanding at end of period (000 omitted)	6,978	8,092	9,346	10,207	12,958	15,636	18,677	22,279	27,455	33,567

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74	$1.65
Accumulation unit value at end of period	$1.70	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	11,756	13,465	16,057	18,973	22,985	28,727	36,258	48,278	56,664	68,524

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18	$1.19
Accumulation unit value at end of period	$1.12	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	21,564	25,622	24,661	32,195	35,229	39,251	50,331	61,799	82,185	92,405

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74	$1.54
Accumulation unit value at end of period	$2.83	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	17,789	20,685	26,601	31,732	38,674	48,391	55,214	64,192	73,576	89,489

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47	$1.31
Accumulation unit value at end of period	$2.34	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	11,719	13,469	17,897	20,741	17,356	20,662	24,731	32,890	34,819	39,448

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56	$1.45
Accumulation unit value at end of period	$2.00	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56
Number of accumulation units outstanding at end of period (000 omitted)	41,926	43,497	53,881	61,794	71,097	85,500	107,141	156,667	174,738	214,494

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64	$0.55
Accumulation unit value at end of period	$1.86	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64
Number of accumulation units outstanding at end of period (000 omitted)	18,555	21,823	25,535	29,899	37,899	37,413	44,063	51,318	60,544	72,817

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91	$0.80
Accumulation unit value at end of period	$2.48	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	61,001	54,565	48,132	42,843	40,321	37,322	38,404	40,265	46,053	55,090

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01	$1.00
Accumulation unit value at end of period	$1.15	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	13,422	12,393	9,957	8,639	4,608	3,837	2,142	1,603	889	432

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.22	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,907	4,086	4,794	5,110	3,685	1,824	428	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50	$1.20
Accumulation unit value at end of period	$3.11	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50
Number of accumulation units outstanding at end of period (000 omitted)	4,466	5,328	6,234	7,139	8,696	9,107	10,976	13,009	16,901	21,606

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04	$0.92
Accumulation unit value at end of period	$1.44	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	7,589	9,010	10,995	13,602	11,586	12,233	14,336	16,902	21,875	27,645

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18	$0.99
Accumulation unit value at end of period	$2.95	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	3,556	3,810	4,049	4,185	5,339	7,377	6,539	4,932	6,465	6,063

72 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37	$1.13
Accumulation unit value at end of period	$2.94	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	3,280	4,038	5,079	6,115	7,691	9,450	10,346	11,045	14,817	19,331

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75	$1.39
Accumulation unit value at end of period	$3.45	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	2,790	3,262	3,805	4,631	5,623	6,640	7,407	8,170	10,076	12,744

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33	$1.30
Accumulation unit value at end of period	$1.51	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33
Number of accumulation units outstanding at end of period (000 omitted)	13,503	15,040	18,959	22,623	25,128	29,517	37,054	52,934	61,501	78,228

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01	$0.88
Accumulation unit value at end of period	$0.47	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	5,845	7,020	8,451	10,055	12,146	14,175	17,008	21,622	25,966	26,305

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.89	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,425	4,705	5,862	5,952	5,051	2,342	1,428	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21	$1.18
Accumulation unit value at end of period	$1.56	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	12,057	13,837	16,465	18,278	22,151	26,715	33,722	48,160	54,821	63,669

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,652	6,698	4,862	1,660	931	646	90	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.76	$1.35	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,572	17,158	20,856	24,225	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38	$1.14
Accumulation unit value at end of period	$3.39	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	2,810	2,851	2,586	2,352	1,888	1,747	2,014	2,101	2,436	2,760

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00	$1.00
Accumulation unit value at end of period	$1.01	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	10,306	9,648	6,939	5,700	2,506	1,014	613	308	172	74

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.06	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,619	4,853	6,013	6,466	7,133	7,736	6,629	2,284	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15	$1.07
Accumulation unit value at end of period	$1.45	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	19,358	27,483	27,273	32,151	38,705	50,073	65,553	50,815	55,759	56,862

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06	$0.91
Accumulation unit value at end of period	$2.58	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	48,944	50,290	52,141	55,327	63,576	70,307	76,647	84,137	102,175	120,336

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.22	$2.47	$2.13	$1.86	$1.93	$1.77	$1.34	$1.14	$1.14	$1.00
Accumulation unit value at end of period	$2.85	$2.22	$2.47	$2.13	$1.86	$1.93	$1.77	$1.34	$1.14	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	10,441	12,279	14,832	17,454	20,243	23,702	28,446	32,761	38,733	47,072

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$3.79	$4.49	$3.76	$3.39	$3.48	$3.31	$2.46	$2.17	$2.46	$1.93
Accumulation unit value at end of period	$4.62	$3.79	$4.49	$3.76	$3.39	$3.48	$3.31	$2.46	$2.17	$2.46
Number of accumulation units outstanding at end of period (000 omitted)	20,850	22,801	24,758	27,539	31,976	37,014	43,257	50,560	63,182	76,313

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 73

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Fidelity^® VIP Overseas Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$1.74	$2.06	$1.60	$1.71	$1.67	$1.84	$1.43	$1.20	$1.46	$1.31
Accumulation unit value at end of period	$2.19	$1.74	$2.06	$1.60	$1.71	$1.67	$1.84	$1.43	$1.20	$1.46
Number of accumulation units outstanding at end of period (000 omitted)	6,063	7,036	7,808	8,651	10,509	11,977	14,012	16,360	20,346	24,715

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	43,673	35,920	30,762	19,832	14,724	10,509	2,729	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01	$1.68
Accumulation unit value at end of period	$3.33	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	6,800	7,625	9,228	11,174	13,307	15,352	17,380	18,941	21,820	25,510

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.37	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	13,784	12,559	12,704	11,610	11,688	12,796	4,629	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.06	$2.28	$2.13	$1.85	$1.97	$1.85	$1.46	$1.29	$1.31	$1.19
Accumulation unit value at end of period	$2.50	$2.06	$2.28	$2.13	$1.85	$1.97	$1.85	$1.46	$1.29	$1.31
Number of accumulation units outstanding at end of period (000 omitted)	9,951	10,663	12,378	13,740	15,352	17,372	20,113	22,778	27,767	33,994

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52	$1.98
Accumulation unit value at end of period	$5.30	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52
Number of accumulation units outstanding at end of period (000 omitted)	7,253	7,430	7,861	8,759	9,355	11,090	12,772	14,443	18,246	22,799

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74	$2.21
Accumulation unit value at end of period	$5.68	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74
Number of accumulation units outstanding at end of period (000 omitted)	7,380	8,509	10,084	12,162	15,170	18,356	22,012	26,253	33,368	41,459

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.87	$0.94	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.93	$0.87	$0.94	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,877	2,517	1,992	1,788	1,401	382	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93	$0.84
Accumulation unit value at end of period	$2.64	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	12,764	14,541	16,623	19,473	23,888	27,852	32,151	38,124	45,869	57,775

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49	$1.30
Accumulation unit value at end of period	$3.15	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	12,511	12,618	12,158	11,402	12,573	12,255	13,330	14,055	16,697	18,638

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41	$1.24
Accumulation unit value at end of period	$1.74	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	34,746	39,910	48,596	56,033	71,089	87,326	106,841	136,644	159,925	193,872

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41	$1.16
Accumulation unit value at end of period	$3.31	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	8,376	8,961	8,737	8,661	9,200	8,752	8,651	8,534	9,937	12,889

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.43	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,195	6,126	7,321	8,453	10,774	12,892	17,219	21,813	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,564	9,892	10,957	10,172	8,537	7,340	4,139	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22	$1.07
Accumulation unit value at end of period	$2.73	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22
Number of accumulation units outstanding at end of period (000 omitted)	9,144	10,824	13,154	16,100	20,412	24,290	30,112	35,922	43,939	51,081

74 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.77	$1.93	$1.80	$1.58	$1.56	$1.40	$1.08	$0.92	$1.00	—
Accumulation unit value at end of period	$2.19	$1.77	$1.93	$1.80	$1.58	$1.56	$1.40	$1.08	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	3,628	4,043	5,566	6,426	5,126	5,516	5,509	4,566	4,289	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05	$1.01
Accumulation unit value at end of period	$2.81	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,647	3,002	3,667	4,546	6,813	5,708	5,335	4,583	4,633	4,675

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38	$1.23
Accumulation unit value at end of period	$2.08	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	7,359	8,808	11,096	13,294	15,354	15,999	15,539	17,045	20,480	24,477

Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.14	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,431	3,957	4,573	5,130	4,277	4,465	5,337	6,385	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.68	$1.71	$1.28	$1.30	$1.23	$1.12	$0.90	$0.82	$0.87	$0.72
Accumulation unit value at end of period	$2.27	$1.68	$1.71	$1.28	$1.30	$1.23	$1.12	$0.90	$0.82	$0.87
Number of accumulation units outstanding at end of period (000 omitted)	2,901	3,299	3,600	4,250	5,647	6,136	7,262	8,097	9,279	10,745

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,463	3,665	3,818	5,182	7,482	8,642	5,339	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	17,349	9,865	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,524	14,892	16,421	16,815	12,008	5,319	1,772	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.41	$1.41	$0.98	$0.87	$0.84	$0.78	$0.58	$0.49	$0.54	$0.44
Accumulation unit value at end of period	$2.02	$1.41	$1.41	$0.98	$0.87	$0.84	$0.78	$0.58	$0.49	$0.54
Number of accumulation units outstanding at end of period (000 omitted)	4,796	5,213	5,998	6,645	7,403	7,502	8,912	10,178	12,352	16,131

Janus Henderson VIT Overseas Portfolio: Service Shares (5/1/2000)
Accumulation unit value at beginning of period	$1.18	$1.40	$1.08	$1.17	$1.29	$1.49	$1.31	$1.17	$1.75	$1.41
Accumulation unit value at end of period	$1.48	$1.18	$1.40	$1.08	$1.17	$1.29	$1.49	$1.31	$1.17	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	5,720	6,534	7,624	8,888	10,549	12,453	15,967	20,796	28,873	39,710

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96	$0.85
Accumulation unit value at end of period	$2.55	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	5,029	5,388	5,586	6,279	7,362	7,359	9,102	10,929	13,639	18,753

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.49	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,889	3,646	2,938	2,834	3,086	2,470	1,416	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.29	$1.30	$1.02	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.79	$1.29	$1.30	$1.02	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,662	11,070	12,864	15,670	18,780	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29	$0.96
Accumulation unit value at end of period	$3.13	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	4,130	4,380	5,070	5,967	7,470	9,073	12,730	14,561	18,476	17,906

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03	$1.80
Accumulation unit value at end of period	$4.14	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03
Number of accumulation units outstanding at end of period (000 omitted)	11,400	11,893	13,841	15,339	17,604	21,703	22,161	24,763	28,483	30,235

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 75

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29	$0.98
Accumulation unit value at end of period	$3.07	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	5,148	4,517	3,608	3,758	4,823	5,706	6,523	7,547	11,091	11,306

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04	$0.86
Accumulation unit value at end of period	$1.57	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,675	4,443	5,766	7,037	8,633	9,869	11,018	11,521	13,857	16,073

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91	$0.75
Accumulation unit value at end of period	$1.33	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	1,670	2,137	2,678	2,865	3,296	3,552	3,805	3,744	4,654	5,093

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.89	$0.96	$0.91	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.89	$0.96	$0.91	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,329	1,181	1,066	1,043	1,028	390	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25	$1.12
Accumulation unit value at end of period	$1.66	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	11,304	12,577	14,975	16,963	21,291	30,891	40,275	51,223	49,462	49,921

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,190	1,143	1,023	938	1,206	1,023	1,373	1,076	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,655	10,862	8,970	5,911	4,281	3,259	2,683	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$2.50	$2.54	$2.22	$2.53	$2.37	$1.87	$1.34	$1.10	$1.13	$1.11
Accumulation unit value at end of period	$3.23	$2.50	$2.54	$2.22	$2.53	$2.37	$1.87	$1.34	$1.10	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	2,216	2,712	3,160	3,689	4,933	4,272	4,170	4,303	5,005	5,824

Putnam VT International Equity Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.45	$1.81	$1.44	$1.49	$1.51	$1.63	$1.28	$1.06	$1.29	$1.19
Accumulation unit value at end of period	$1.80	$1.45	$1.81	$1.44	$1.49	$1.51	$1.63	$1.28	$1.06	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	2,169	2,654	3,226	3,660	4,323	4,355	4,853	5,772	7,324	8,590

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.32	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	3,726	4,052	4,245	4,766	5,636	6,247	6,713	7,461	9,245	11,503

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,203	12,794	12,265	9,937	10,469	9,367	5,007	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,480	3,448	3,826	3,808	2,337	1,658	856	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	130,387	152,982	169,477	176,564	194,758	199,324	205,762	177,549	153,074	45,018

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	21,751	25,064	31,478	37,085	47,381	54,255	80,004	87,969	109,521	123,203

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	91,936	78,912	91,597	101,651	94,924	100,672	134,759	211,589	152,207	39,107

76 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	27,564	31,020	39,141	50,251	56,974	65,491	91,676	146,041	137,636	129,583

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	108,282	62,630	10,418	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	98,291	46,893	4,550	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	239,126	190,637	196,362	173,746	84,219	47,213	23,356	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	$1.00	—	—	—
Accumulation unit value at end of period	$1.27	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	589,254	551,934	559,214	545,537	342,067	214,158	98,193	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.42	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,413,827	4,142,751	3,565,618	3,079,934	2,461,500	1,530,962	541,712	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (4/30/2012)
Accumulation unit value at beginning of period	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	$1.00	—	—
Accumulation unit value at end of period	$1.44	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,604,543	5,611,465	5,348,661	5,069,930	4,166,843	3,245,376	2,279,309	956,051	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	1,213,328	1,174,752	1,240,606	1,265,648	1,290,607	1,313,689	1,372,194	1,323,161	1,036,629	372,331

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	252,813	294,255	352,246	428,255	534,847	628,237	704,894	756,580	839,441	951,448

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	472,312	543,398	606,530	641,719	690,999	712,898	755,350	671,792	586,675	199,756

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	100,907	122,007	143,369	171,087	217,245	254,402	336,824	380,336	451,744	514,222

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	253,836	242,612	272,779	289,627	299,356	321,778	370,454	457,930	335,257	125,196

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	74,013	82,017	99,579	122,688	154,486	187,724	235,162	314,235	323,133	335,424

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97	$0.88
Accumulation unit value at end of period	$2.11	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	2,060	2,573	3,150	3,677	4,538	5,373	6,310	7,221	9,394	12,490

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01	$1.63
Accumulation unit value at end of period	$3.47	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	4,688	5,226	6,360	7,636	9,211	11,003	13,581	16,925	21,324	26,229

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 77

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.01	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.22	$1.07	$1.11	$1.01	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	121,321	76,924	46,011	5,179	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.15	$1.21	$1.03	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.37	$1.15	$1.21	$1.03	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,413,115	921,056	515,181	92,936	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.11	$1.16	$1.02	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.30	$1.11	$1.16	$1.02	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	871,453	630,876	379,986	48,868	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55	$2.06
Accumulation unit value at end of period	$3.99	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55
Number of accumulation units outstanding at end of period (000 omitted)	11,097	13,040	14,860	16,879	20,631	23,709	27,965	32,328	41,066	50,298

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00	$1.64
Accumulation unit value at end of period	$5.20	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00
Number of accumulation units outstanding at end of period (000 omitted)	13,076	15,269	17,899	20,983	25,786	30,286	36,897	43,824	54,608	67,604

Wells Fargo VT Index Asset Allocation Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.27	$2.36	$2.13	$1.99	$1.99	$1.70	$1.43	$1.28	$1.21	$1.08
Accumulation unit value at end of period	$2.71	$2.27	$2.36	$2.13	$1.99	$1.99	$1.70	$1.43	$1.28	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	2,960	3,272	3,758	4,428	4,780	5,281	6,211	7,204	8,819	11,303

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39	$1.20
Accumulation unit value at end of period	$1.78	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	4,957	5,463	5,939	5,786	7,081	6,905	7,648	9,560	12,050	15,532

Wells Fargo VT Opportunity Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.69	$2.92	$2.45	$2.20	$2.30	$2.10	$1.62	$1.42	$1.51	$1.24
Accumulation unit value at end of period	$3.50	$2.69	$2.92	$2.45	$2.20	$2.30	$2.10	$1.62	$1.42	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	3,890	4,410	5,087	5,903	6,749	7,586	9,027	10,721	13,842	9,802

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45	$1.16
Accumulation unit value at end of period	$3.37	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	7,614	7,939	7,126	7,160	7,984	7,461	8,750	10,201	12,890	18,266

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,661	3,597	3,339	2,430	2,464	1,908	770	—	—	—

Variable account charges of 1.00% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.14	$1.25	$1.10	$1.08	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.30	$1.14	$1.25	$1.10	$1.08	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	29	30	42	60	110	93	70	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.61	$1.80	$1.34	$1.36	$1.34	$1.29	$1.06	$0.95	$1.25	$1.06
Accumulation unit value at end of period	$2.07	$1.61	$1.80	$1.34	$1.36	$1.34	$1.29	$1.06	$0.95	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	104	102	91	93	138	144	201	280	378	500

AB VPS Growth and Income Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$2.41	$2.58	$2.20	$2.00	$1.99	$1.84	$1.38	$1.19	$1.13	$1.01
Accumulation unit value at end of period	$2.95	$2.41	$2.58	$2.20	$2.00	$1.99	$1.84	$1.38	$1.19	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	1,731	1,872	2,021	2,430	2,900	3,035	3,346	3,991	4,844	5,815

AB VPS International Value Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$1.64	$2.15	$1.74	$1.77	$1.75	$1.89	$1.55	$1.37	$1.72	$1.67
Accumulation unit value at end of period	$1.90	$1.64	$2.15	$1.74	$1.77	$1.75	$1.89	$1.55	$1.37	$1.72
Number of accumulation units outstanding at end of period (000 omitted)	3,837	4,214	4,387	4,954	5,517	6,013	6,771	8,028	9,932	12,904

78 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.80	$0.99	$1.01	$0.72	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.95	$0.80	$0.99	$1.01	$0.72	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,044	1,404	1,690	2,003	2,100	1,590	374	—	—	—

American Century VP International, Class II (2/13/2002)
Accumulation unit value at beginning of period	$1.85	$2.20	$1.70	$1.82	$1.83	$1.95	$1.61	$1.35	$1.55	$1.38
Accumulation unit value at end of period	$2.34	$1.85	$2.20	$1.70	$1.82	$1.83	$1.95	$1.61	$1.35	$1.55
Number of accumulation units outstanding at end of period (000 omitted)	1,150	1,338	1,347	1,459	1,716	1,844	2,059	2,211	2,794	3,276

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.92	$2.23	$2.02	$1.66	$1.70	$1.48	$1.15	$1.00	$1.02	$0.87
Accumulation unit value at end of period	$2.45	$1.92	$2.23	$2.02	$1.66	$1.70	$1.48	$1.15	$1.00	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	1,082	1,348	1,362	1,219	1,088	1,099	1,161	1,069	1,093	1,356

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.45	$2.46	$1.88	$1.82	$1.73	$1.59	$1.18	$1.04	$1.05	$0.91
Accumulation unit value at end of period	$3.26	$2.45	$2.46	$1.88	$1.82	$1.73	$1.59	$1.18	$1.04	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	806	824	817	937	1,011	1,050	1,137	1,320	1,442	1,610

American Century VP Value, Class II (2/13/2002)
Accumulation unit value at beginning of period	$2.53	$2.82	$2.62	$2.20	$2.32	$2.07	$1.59	$1.40	$1.41	$1.26
Accumulation unit value at end of period	$3.18	$2.53	$2.82	$2.62	$2.20	$2.32	$2.07	$1.59	$1.40	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	2,865	3,249	3,783	4,384	5,033	5,533	6,277	7,263	8,740	9,687

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.22	$1.33	$1.18	$1.15	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.42	$1.22	$1.33	$1.18	$1.15	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,836	2,256	2,405	2,321	3,110	2,874	1,890	446	—	—

Calvert VP SRI Balanced Portfolio – Class I (2/13/2002)
Accumulation unit value at beginning of period	$1.90	$1.97	$1.78	$1.66	$1.72	$1.58	$1.35	$1.24	$1.20	$1.08
Accumulation unit value at end of period	$2.34	$1.90	$1.97	$1.78	$1.66	$1.72	$1.58	$1.35	$1.24	$1.20
Number of accumulation units outstanding at end of period (000 omitted)	862	885	905	1,073	1,304	1,369	1,365	1,338	1,430	1,553

Columbia Variable Portfolio – Balanced Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.18	$2.34	$2.07	$1.96	$1.95	$1.79	$1.48	$1.31	$1.29	$1.16
Accumulation unit value at end of period	$2.65	$2.18	$2.34	$2.07	$1.96	$1.95	$1.79	$1.48	$1.31	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	6,406	6,668	8,064	8,286	6,576	5,789	4,776	4,618	5,115	6,232

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.61	$0.60	$0.54	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.55	$0.52	$0.61	$0.60	$0.54	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	248	241	176	110	115	29	22	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.60	$1.78	$1.48	$1.38	$1.35	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.10	$1.60	$1.78	$1.48	$1.38	$1.35	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,267	1,626	1,919	1,534	1,040	404	217	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.22	$2.33	$1.89	$1.77	$1.77	$1.55	$1.17	$1.04	$1.00	$0.86
Accumulation unit value at end of period	$2.73	$2.22	$2.33	$1.89	$1.77	$1.77	$1.55	$1.17	$1.04	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	3,091	3,281	3,586	3,954	4,812	5,207	6,899	8,622	10,274	13,426

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.81	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	99	99	103	118	243	269	271	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.76	$2.97	$2.62	$2.33	$2.42	$2.23	$1.77	$1.57	$1.67	$1.44
Accumulation unit value at end of period	$3.39	$2.76	$2.97	$2.62	$2.33	$2.42	$2.23	$1.77	$1.57	$1.67
Number of accumulation units outstanding at end of period (000 omitted)	7,551	8,554	9,993	11,435	12,774	14,735	16,712	18,169	22,186	27,619

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	206	320	407	356	383	346	199	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$3.22	$4.15	$2.85	$2.74	$3.04	$3.14	$3.23	$2.71	$3.46	$2.92
Accumulation unit value at end of period	$4.19	$3.22	$4.15	$2.85	$2.74	$3.04	$3.14	$3.23	$2.71	$3.46
Number of accumulation units outstanding at end of period (000 omitted)	1,737	2,009	2,029	2,295	2,686	2,859	3,421	3,741	4,202	4,807

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 79

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.50	$1.60	$1.53	$1.57	$1.69	$1.69	$1.85	$1.75	$1.69	$1.60
Accumulation unit value at end of period	$1.65	$1.50	$1.60	$1.53	$1.57	$1.69	$1.69	$1.85	$1.75	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	1,904	2,065	2,421	2,723	3,223	3,824	5,125	7,311	8,322	10,119

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.01	$1.01	$1.01	$1.03	$1.04	$1.05	$1.06	$1.07	$1.08	$1.09
Accumulation unit value at end of period	$1.02	$1.01	$1.01	$1.01	$1.03	$1.04	$1.05	$1.06	$1.07	$1.08
Number of accumulation units outstanding at end of period (000 omitted)	3,374	3,985	4,379	5,158	5,596	7,166	7,544	9,286	10,407	13,198

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.60	$2.73	$2.59	$2.35	$2.40	$2.34	$2.22	$1.94	$1.85	$1.64
Accumulation unit value at end of period	$3.00	$2.60	$2.73	$2.59	$2.35	$2.40	$2.34	$2.22	$1.94	$1.85
Number of accumulation units outstanding at end of period (000 omitted)	2,695	3,091	3,589	4,090	4,653	5,206	5,972	6,844	7,401	8,986

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.02	$2.12	$2.01	$1.83	$1.87	$1.82	$1.75	$1.54	$1.46	$1.31
Accumulation unit value at end of period	$2.32	$2.02	$2.12	$2.01	$1.83	$1.87	$1.82	$1.75	$1.54	$1.46
Number of accumulation units outstanding at end of period (000 omitted)	2,819	3,163	4,182	4,617	3,142	3,632	4,373	5,473	5,360	6,861

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.62	$1.63	$1.59	$1.53	$1.55	$1.48	$1.53	$1.44	$1.36	$1.27
Accumulation unit value at end of period	$1.75	$1.62	$1.63	$1.59	$1.53	$1.55	$1.48	$1.53	$1.44	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	7,522	7,605	8,439	10,178	11,475	13,295	16,830	23,880	26,268	33,910

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.23	$2.35	$1.86	$1.85	$1.72	$1.52	$1.18	$0.99	$1.03	$0.89
Accumulation unit value at end of period	$3.00	$2.23	$2.35	$1.86	$1.85	$1.72	$1.52	$1.18	$0.99	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	2,000	2,327	2,568	3,023	3,711	3,522	4,171	4,822	5,957	7,579

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.50	$2.66	$2.21	$2.00	$2.01	$1.79	$1.37	$1.20	$1.19	$1.05
Accumulation unit value at end of period	$3.25	$2.50	$2.66	$2.21	$2.00	$2.01	$1.79	$1.37	$1.20	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	4,342	4,933	5,208	4,937	4,390	4,164	4,282	4,258	5,018	5,760

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.95	$0.96	$0.95	$0.91	$0.95	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.01	$0.95	$0.96	$0.95	$0.91	$0.95	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	692	746	969	724	213	182	—	—	—	—

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	266	271	655	793	973	721	269	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.39	$2.53	$2.08	$2.06	$1.97	$1.86	$1.43	$1.30	$1.55	$1.24
Accumulation unit value at end of period	$3.19	$2.39	$2.53	$2.08	$2.06	$1.97	$1.86	$1.43	$1.30	$1.55
Number of accumulation units outstanding at end of period (000 omitted)	593	612	647	702	804	801	935	1,050	1,366	1,677

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.82	$2.20	$1.75	$1.88	$1.81	$1.99	$1.65	$1.42	$1.63	$1.45
Accumulation unit value at end of period	$2.25	$1.82	$2.20	$1.75	$1.88	$1.81	$1.99	$1.65	$1.42	$1.63
Number of accumulation units outstanding at end of period (000 omitted)	990	1,159	1,330	1,680	1,132	1,217	1,526	1,780	2,246	2,671

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.34	$2.69	$2.25	$1.90	$2.02	$1.83	$1.34	$1.14	$1.17	$0.98
Accumulation unit value at end of period	$2.93	$2.34	$2.69	$2.25	$1.90	$2.02	$1.83	$1.34	$1.14	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	608	681	627	573	652	871	851	801	699	657

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.24	$2.61	$2.33	$2.06	$2.19	$1.97	$1.45	$1.23	$1.36	$1.12
Accumulation unit value at end of period	$2.92	$2.24	$2.61	$2.33	$2.06	$2.19	$1.97	$1.45	$1.23	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	779	896	1,013	1,259	1,487	1,675	1,944	2,080	2,719	3,568

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.84	$3.29	$2.96	$2.62	$2.74	$2.61	$1.78	$1.52	$1.68	$1.34
Accumulation unit value at end of period	$3.31	$2.84	$3.29	$2.96	$2.62	$2.74	$2.61	$1.78	$1.52	$1.68
Number of accumulation units outstanding at end of period (000 omitted)	572	667	745	827	871	892	961	1,027	1,185	1,364

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.24	$1.24	$1.21	$1.19	$1.19	$1.13	$1.17	$1.16	$1.16	$1.13
Accumulation unit value at end of period	$1.31	$1.24	$1.24	$1.21	$1.19	$1.19	$1.13	$1.17	$1.16	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	2,179	2,108	2,692	3,202	3,404	3,842	5,201	7,912	8,324	9,876

80 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.87	$1.01	$0.87
Accumulation unit value at end of period	$0.47	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.87	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	2,753	2,820	2,987	3,289	3,525	3,914	4,636	5,119	5,777	6,003

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.89	$0.98	$1.00	$1.11	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.89	$0.89	$0.98	$1.00	$1.11	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	898	1,180	1,164	1,182	997	788	576	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.45	$1.48	$1.45	$1.35	$1.39	$1.29	$1.38	$1.32	$1.21	$1.17
Accumulation unit value at end of period	$1.55	$1.45	$1.48	$1.45	$1.35	$1.39	$1.29	$1.38	$1.32	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	2,339	2,867	3,179	3,465	4,007	4,466	5,975	8,690	9,442	12,533

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.03	$1.25	$1.02	$0.99	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.03	$1.25	$1.02	$0.99	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	311	310	359	160	141	158	104	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.75	$1.35	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,560	4,013	4,390	5,017	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.66	$2.98	$2.60	$2.18	$2.20	$1.98	$1.47	$1.27	$1.37	$1.14
Accumulation unit value at end of period	$3.37	$2.66	$2.98	$2.60	$2.18	$2.20	$1.98	$1.47	$1.27	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	913	876	734	631	410	383	387	366	389	441

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.98	$0.98	$0.99	$0.99	$1.00	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.00	$0.98	$0.98	$0.99	$0.99	$1.00	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	591	558	392	417	130	66	—	—	—	—

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.93	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.06	$0.93	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	399	422	441	473	517	687	764	129	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.36	$1.38	$1.35	$1.25	$1.27	$1.28	$1.24	$1.17	$1.15	$1.07
Accumulation unit value at end of period	$1.44	$1.36	$1.38	$1.35	$1.25	$1.27	$1.28	$1.24	$1.17	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	4,130	5,174	5,279	6,150	7,568	9,885	12,781	9,306	9,353	8,826

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.97	$2.14	$1.77	$1.66	$1.67	$1.51	$1.17	$1.02	$1.05	$0.91
Accumulation unit value at end of period	$2.57	$1.97	$2.14	$1.77	$1.66	$1.67	$1.51	$1.17	$1.02	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	6,965	8,107	8,983	10,468	12,734	13,520	14,816	16,958	19,991	23,331

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.29	$2.55	$2.21	$1.92	$1.99	$1.83	$1.38	$1.18	$1.18	$1.04
Accumulation unit value at end of period	$2.94	$2.29	$2.55	$2.21	$1.92	$1.99	$1.83	$1.38	$1.18	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	2,873	3,201	3,542	4,197	4,676	4,940	5,645	6,449	7,478	9,202

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.65	$4.32	$3.62	$3.27	$3.36	$3.20	$2.38	$2.10	$2.37	$1.86
Accumulation unit value at end of period	$4.45	$3.65	$4.32	$3.62	$3.27	$3.36	$3.20	$2.38	$2.10	$2.37
Number of accumulation units outstanding at end of period (000 omitted)	4,927	5,668	6,479	7,574	8,870	9,929	11,367	13,281	16,089	19,376

Fidelity^® VIP Overseas Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$1.92	$2.28	$1.77	$1.89	$1.85	$2.03	$1.58	$1.32	$1.62	$1.45
Accumulation unit value at end of period	$2.42	$1.92	$2.28	$1.77	$1.89	$1.85	$2.03	$1.58	$1.32	$1.62
Number of accumulation units outstanding at end of period (000 omitted)	1,385	1,631	1,804	1,967	2,285	2,283	2,343	2,581	3,352	4,194

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.04	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.17	$1.07	$1.11	$1.04	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,753	4,637	4,074	2,482	1,950	1,584	788	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.04	$2.21	$2.02	$2.03	$2.04	$1.79	$1.77	$1.40	$1.50	$1.25
Accumulation unit value at end of period	$2.47	$2.04	$2.21	$2.02	$2.03	$2.04	$1.79	$1.77	$1.40	$1.50
Number of accumulation units outstanding at end of period (000 omitted)	1,996	2,260	2,634	3,045	3,512	3,826	4,216	4,470	5,048	5,793

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 81

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.18	$1.25	$1.15	$1.02	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.36	$1.18	$1.25	$1.15	$1.02	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	829	773	822	962	1,225	1,385	386	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.15	$2.39	$2.23	$1.94	$2.06	$1.95	$1.53	$1.35	$1.38	$1.26
Accumulation unit value at end of period	$2.62	$2.15	$2.39	$2.23	$1.94	$2.06	$1.95	$1.53	$1.35	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	2,341	2,583	3,195	3,420	3,942	4,517	4,931	5,753	6,986	8,593

Franklin Small Cap Value VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.20	$3.71	$3.39	$2.63	$2.87	$2.88	$2.13	$1.82	$1.91	$1.51
Accumulation unit value at end of period	$4.00	$3.20	$3.71	$3.39	$2.63	$2.87	$2.88	$2.13	$1.82	$1.91
Number of accumulation units outstanding at end of period (000 omitted)	1,586	1,688	1,862	2,180	2,528	2,874	3,323	3,649	4,671	5,667

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$3.20	$3.61	$3.28	$2.92	$3.24	$2.89	$2.19	$1.87	$2.02	$1.63
Accumulation unit value at end of period	$4.17	$3.20	$3.61	$3.28	$2.92	$3.24	$2.89	$2.19	$1.87	$2.02
Number of accumulation units outstanding at end of period (000 omitted)	2,451	2,811	3,263	3,750	4,433	4,887	5,598	6,580	8,180	10,069

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.87	$0.94	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.93	$0.87	$0.94	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	184	151	48	32	32	—	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.55	$2.75	$2.23	$2.04	$2.06	$1.79	$1.31	$1.16	$1.12	$1.01
Accumulation unit value at end of period	$3.16	$2.55	$2.75	$2.23	$2.04	$2.06	$1.79	$1.31	$1.16	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	1,930	2,203	2,428	2,749	3,039	3,338	4,261	5,395	6,563	8,681

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.40	$2.80	$2.07	$2.10	$2.04	$2.02	$1.61	$1.34	$1.48	$1.29
Accumulation unit value at end of period	$3.12	$2.40	$2.80	$2.07	$2.10	$2.04	$2.02	$1.61	$1.34	$1.48
Number of accumulation units outstanding at end of period (000 omitted)	2,313	2,628	2,822	3,106	3,714	3,764	3,950	4,070	4,886	5,713

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.58	$1.67	$1.59	$1.51	$1.57	$1.55	$1.57	$1.40	$1.40	$1.24
Accumulation unit value at end of period	$1.73	$1.58	$1.67	$1.59	$1.51	$1.57	$1.55	$1.57	$1.40	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	6,752	7,785	9,144	10,655	13,183	15,468	19,656	26,208	29,094	36,401

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.63	$2.97	$2.63	$2.26	$2.43	$2.20	$1.58	$1.36	$1.40	$1.15
Accumulation unit value at end of period	$3.28	$2.63	$2.97	$2.63	$2.26	$2.43	$2.20	$1.58	$1.36	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	1,481	1,604	1,970	2,161	2,389	2,381	2,574	2,696	3,482	4,518

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.43	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,475	1,702	1,962	2,420	2,813	3,142	4,596	6,164	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.17	$1.07	$0.97	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.17	$1.07	$0.97	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,550	1,824	2,192	2,155	2,638	2,741	2,115	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.19	$2.52	$2.17	$1.87	$2.01	$1.87	$1.39	$1.18	$1.22	$1.06
Accumulation unit value at end of period	$2.71	$2.19	$2.52	$2.17	$1.87	$2.01	$1.87	$1.39	$1.18	$1.22
Number of accumulation units outstanding at end of period (000 omitted)	4,501	5,160	5,761	6,578	7,637	8,390	10,384	12,690	15,566	19,642

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.76	$1.93	$1.79	$1.58	$1.56	$1.40	$1.08	$0.92	$1.00	—
Accumulation unit value at end of period	$2.19	$1.76	$1.93	$1.79	$1.58	$1.56	$1.40	$1.08	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	1,593	1,814	2,214	2,201	1,539	1,124	1,111	1,020	1,155	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.13	$2.14	$1.87	$2.14	$2.10	$1.78	$1.28	$1.07	$1.04	$1.00
Accumulation unit value at end of period	$2.79	$2.13	$2.14	$1.87	$2.14	$2.10	$1.78	$1.28	$1.07	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	864	938	890	1,000	1,452	1,156	1,042	843	789	912

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.62	$1.93	$1.59	$1.62	$1.68	$1.69	$1.44	$1.26	$1.37	$1.23
Accumulation unit value at end of period	$2.06	$1.62	$1.93	$1.59	$1.62	$1.68	$1.69	$1.44	$1.26	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	1,208	1,554	1,863	2,003	2,625	2,402	2,225	2,584	2,863	3,166

82 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.60	$1.72	$1.42	$1.42	$1.42	$1.32	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.13	$1.60	$1.72	$1.42	$1.42	$1.42	$1.32	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	282	318	345	430	113	90	95	143	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.96	$1.99	$1.49	$1.51	$1.43	$1.30	$1.05	$0.95	$1.01	$0.84
Accumulation unit value at end of period	$2.64	$1.96	$1.99	$1.49	$1.51	$1.43	$1.30	$1.05	$0.95	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	1,160	1,264	1,309	1,477	1,633	1,629	1,648	1,876	2,296	2,504

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.30	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	474	503	527	706	1,203	1,413	614	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,792	1,834	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.04	$1.02	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$1.02	$1.04	$1.02	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,141	1,338	1,162	1,502	1,464	698	329	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (2/13/2002)
Accumulation unit value at beginning of period	$3.58	$3.59	$2.50	$2.22	$2.14	$1.98	$1.48	$1.25	$1.38	$1.12
Accumulation unit value at end of period	$5.14	$3.58	$3.59	$2.50	$2.22	$2.14	$1.98	$1.48	$1.25	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	132	162	155	171	219	200	239	249	332	450

Janus Henderson VIT Overseas Portfolio: Service Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.06	$2.46	$1.90	$2.05	$2.27	$2.61	$2.31	$2.06	$3.08	$2.49
Accumulation unit value at end of period	$2.59	$2.06	$2.46	$1.90	$2.05	$2.27	$2.61	$2.31	$2.06	$3.08
Number of accumulation units outstanding at end of period (000 omitted)	115	176	194	226	325	425	509	633	970	1,173

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.89	$1.97	$1.56	$1.57	$1.51	$1.35	$1.05	$0.90	$0.96	$0.85
Accumulation unit value at end of period	$2.54	$1.89	$1.97	$1.56	$1.57	$1.51	$1.35	$1.05	$0.90	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	666	791	809	1,072	1,349	1,371	1,656	1,944	2,218	3,203

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.27	$1.37	$1.15	$1.12	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.48	$1.27	$1.37	$1.15	$1.12	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	249	339	404	358	461	455	183	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.29	$1.30	$1.02	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.79	$1.29	$1.30	$1.02	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,354	2,533	3,032	3,649	4,163	—	—	—	—	—

MFS^® New Discovery Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$2.65	$2.72	$2.18	$2.02	$2.09	$2.28	$1.63	$1.36	$1.54	$1.14
Accumulation unit value at end of period	$3.71	$2.65	$2.72	$2.18	$2.02	$2.09	$2.28	$1.63	$1.36	$1.54
Number of accumulation units outstanding at end of period (000 omitted)	501	524	609	794	998	1,157	1,487	1,742	1,875	1,975

MFS^® Utilities Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$4.16	$4.17	$3.68	$3.34	$3.96	$3.56	$2.99	$2.67	$2.53	$2.25
Accumulation unit value at end of period	$5.14	$4.16	$4.17	$3.68	$3.34	$3.96	$3.56	$2.99	$2.67	$2.53
Number of accumulation units outstanding at end of period (000 omitted)	1,425	1,686	1,905	2,036	2,368	2,809	3,101	3,606	4,150	4,253

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.20	$2.01	$1.47	$1.62	$1.74	$1.73	$1.27	$1.18	$1.29	$0.98
Accumulation unit value at end of period	$3.05	$2.20	$2.01	$1.47	$1.62	$1.74	$1.73	$1.27	$1.18	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	699	630	589	710	832	981	1,101	1,378	1,693	1,749

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.34	$1.47	$1.35	$1.32	$1.36	$1.20	$1.19	$0.92	$1.04	$0.86
Accumulation unit value at end of period	$1.56	$1.34	$1.47	$1.35	$1.32	$1.36	$1.20	$1.19	$0.92	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	1,076	1,271	1,604	1,935	2,439	2,728	3,052	3,249	3,764	4,422

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.04	$1.27	$1.01	$1.04	$1.03	$1.08	$0.93	$0.79	$0.91	$0.75
Accumulation unit value at end of period	$1.32	$1.04	$1.27	$1.01	$1.04	$1.03	$1.08	$0.93	$0.79	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	443	410	461	399	507	494	484	546	638	833

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 83

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.89	$0.96	$0.91	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.01	$0.89	$0.96	$0.91	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	—	12	5	2	18	38	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.27	$1.41	$1.42	$1.43	$1.26	$1.25	$1.12
Accumulation unit value at end of period	$1.65	$1.49	$1.59	$1.42	$1.27	$1.41	$1.42	$1.43	$1.26	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	1,760	2,052	2,348	2,756	3,617	5,058	6,420	9,796	8,122	7,695

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.04	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.21	$1.04	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	60	83	55	57	75	32	68	59	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.04	$1.00	$0.98	$0.99	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.09	$1.02	$1.04	$1.00	$0.98	$0.99	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	532	508	650	496	569	516	322	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.58	$2.62	$2.30	$2.62	$2.45	$1.94	$1.38	$1.14	$1.17	$1.15
Accumulation unit value at end of period	$3.33	$2.58	$2.62	$2.30	$2.62	$2.45	$1.94	$1.38	$1.14	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	753	906	1,045	1,163	1,457	1,027	1,029	1,185	1,487	1,676

Putnam VT International Equity Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.58	$1.97	$1.57	$1.63	$1.64	$1.78	$1.40	$1.16	$1.41	$1.30
Accumulation unit value at end of period	$1.96	$1.58	$1.97	$1.57	$1.63	$1.64	$1.78	$1.40	$1.16	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	466	546	605	714	794	849	880	950	1,199	1,420

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.45	$2.51	$1.96	$1.84	$1.86	$1.66	$1.23	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.31	$2.45	$2.51	$1.96	$1.84	$1.86	$1.66	$1.23	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	280	293	279	292	320	340	311	347	446	574

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.97	$0.96	$0.95	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.97	$0.96	$0.95	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,326	1,545	1,698	1,555	2,005	2,009	1,092	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.72	$0.87	$0.78	$0.54	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$0.99	$0.72	$0.87	$0.78	$0.54	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	698	656	708	591	603	225	113	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.66	$1.83	$1.56	$1.49	$1.51	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.00	$1.66	$1.83	$1.56	$1.49	$1.51	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	5,896	6,704	6,785	7,074	7,617	8,001	8,079	5,855	5,318	2,096

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.66	$1.84	$1.56	$1.49	$1.51	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.00	$1.66	$1.84	$1.56	$1.49	$1.51	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	6,191	7,068	8,051	9,655	12,880	13,720	17,228	21,496	27,553	34,056

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.18	$1.20	$1.16	$1.13	$1.07	$1.04	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.18	$1.20	$1.16	$1.13	$1.07	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	4,689	4,641	5,107	6,209	5,793	6,569	7,732	11,504	8,652	2,295

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.18	$1.20	$1.16	$1.13	$1.07	$1.04	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.18	$1.20	$1.16	$1.13	$1.07	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,784	4,313	5,428	7,525	6,291	7,272	10,572	19,179	19,636	20,656

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	65	66	47	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	207	1	1	—	—	—	—	—	—	—

84 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.06	$1.10	$1.03	$1.01	$1.03	$1.00	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.06	$1.10	$1.03	$1.01	$1.03	$1.00	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	808	736	274	424	60	151	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.08	$1.14	$1.04	$1.02	$1.05	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.22	$1.08	$1.14	$1.04	$1.02	$1.05	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,240	1,504	1,838	2,786	2,632	2,221	381	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.11	$1.22	$1.05	$1.02	$1.07	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$1.30	$1.11	$1.22	$1.05	$1.02	$1.07	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,116	18,917	21,734	23,984	28,003	28,209	11,316	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.10	$1.18	$1.05	$1.02	$1.06	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.27	$1.10	$1.18	$1.05	$1.02	$1.06	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,662	15,614	18,111	20,499	22,192	23,913	5,808	—	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.46	$1.56	$1.39	$1.35	$1.37	$1.31	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.68	$1.46	$1.56	$1.39	$1.35	$1.37	$1.31	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	28,675	29,474	34,132	37,885	43,273	45,634	42,676	36,075	27,954	12,697

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.46	$1.56	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.68	$1.46	$1.56	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	57,047	64,321	74,033	83,757	96,809	110,901	133,361	145,577	165,095	199,338

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.56	$1.70	$1.48	$1.42	$1.44	$1.39	$1.21	$1.08	$1.11	$1.00
Accumulation unit value at end of period	$1.84	$1.56	$1.70	$1.48	$1.42	$1.44	$1.39	$1.21	$1.08	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	13,830	16,038	17,705	19,983	22,192	21,789	20,639	16,416	14,158	6,430

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.70	$1.48	$1.42	$1.44	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.84	$1.57	$1.70	$1.48	$1.42	$1.44	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	20,632	25,352	28,299	33,322	41,212	46,381	63,187	75,514	92,740	118,440

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.34	$1.42	$1.30	$1.26	$1.28	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.51	$1.34	$1.42	$1.30	$1.26	$1.28	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	10,562	10,997	12,374	13,064	14,626	15,124	15,571	18,952	15,647	5,250

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.30	$1.26	$1.28	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.51	$1.35	$1.42	$1.30	$1.26	$1.28	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	11,979	14,159	16,123	21,110	24,738	29,852	38,871	51,433	52,813	58,788

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.68	$1.84	$1.55	$1.42	$1.43	$1.29	$1.02	$0.93	$0.97	$0.88
Accumulation unit value at end of period	$2.10	$1.68	$1.84	$1.55	$1.42	$1.43	$1.29	$1.02	$0.93	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	343	368	408	441	586	609	831	966	1,360	2,193

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.75	$3.21	$3.03	$2.44	$2.72	$2.69	$2.02	$1.79	$1.90	$1.54
Accumulation unit value at end of period	$3.26	$2.75	$3.21	$3.03	$2.44	$2.72	$2.69	$2.02	$1.79	$1.90
Number of accumulation units outstanding at end of period (000 omitted)	1,130	1,308	1,475	1,782	2,140	2,384	2,955	3,689	4,645	6,022

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.14	$1.00	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	450	—	—	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.06	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$1.01	$1.06	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,526	798	45	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.05	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.05	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,751	910	40	—	—	—	—	—	—	—

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 85

Variable account charges of 1.00% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Wanger International (2/13/2002)
Accumulation unit value at beginning of period	$3.72	$4.57	$3.47	$3.56	$3.59	$3.79	$3.13	$2.60	$3.08	$2.49
Accumulation unit value at end of period	$4.79	$3.72	$4.57	$3.47	$3.56	$3.59	$3.79	$3.13	$2.60	$3.08
Number of accumulation units outstanding at end of period (000 omitted)	2,636	2,999	3,229	3,675	4,278	4,655	5,243	5,940	7,022	8,554

Wanger USA (2/13/2002)
Accumulation unit value at beginning of period	$3.55	$3.64	$3.07	$2.73	$2.78	$2.68	$2.02	$1.70	$1.78	$1.46
Accumulation unit value at end of period	$4.61	$3.55	$3.64	$3.07	$2.73	$2.78	$2.68	$2.02	$1.70	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	4,028	4,557	5,235	6,127	7,156	7,810	9,057	10,445	12,712	15,507

Wells Fargo VT Index Asset Allocation Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.38	$2.48	$2.23	$2.09	$2.09	$1.79	$1.51	$1.35	$1.28	$1.14
Accumulation unit value at end of period	$2.84	$2.38	$2.48	$2.23	$2.09	$2.09	$1.79	$1.51	$1.35	$1.28
Number of accumulation units outstanding at end of period (000 omitted)	593	610	658	770	911	1,038	1,040	1,317	1,554	1,870

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.54	$1.88	$1.53	$1.50	$1.48	$1.58	$1.34	$1.19	$1.38	$1.20
Accumulation unit value at end of period	$1.76	$1.54	$1.88	$1.53	$1.50	$1.48	$1.58	$1.34	$1.19	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	1,141	1,245	1,435	1,529	1,697	1,769	1,888	2,144	2,535	3,118

Wells Fargo VT Opportunity Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.79	$3.03	$2.54	$2.29	$2.39	$2.18	$1.69	$1.47	$1.58	$1.29
Accumulation unit value at end of period	$3.63	$2.79	$3.03	$2.54	$2.29	$2.39	$2.18	$1.69	$1.47	$1.58
Number of accumulation units outstanding at end of period (000 omitted)	593	649	737	981	1,254	1,345	1,617	1,997	2,590	2,173

Wells Fargo VT Small Cap Growth Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.13	$3.12	$2.51	$2.35	$2.44	$2.51	$1.69	$1.58	$1.68	$1.34
Accumulation unit value at end of period	$3.87	$3.13	$3.12	$2.51	$2.35	$2.44	$2.51	$1.69	$1.58	$1.68
Number of accumulation units outstanding at end of period (000 omitted)	695	795	829	946	1,153	1,298	1,415	1,791	2,077	2,621

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	141	127	175	128	129	92	74	—	—	—

Variable account charges of 1.20% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.13	$1.23	$1.09	$1.07	$1.10	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.13	$1.23	$1.09	$1.07	$1.10	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,133	1,199	682	577	504	435	433	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.57	$1.76	$1.31	$1.33	$1.32	$1.27	$1.05	$0.93	$1.24	$1.05
Accumulation unit value at end of period	$2.01	$1.57	$1.76	$1.31	$1.33	$1.32	$1.27	$1.05	$0.93	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	100	84	253	259	277	290	309	288	415	437

AB VPS Growth and Income Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$2.33	$2.50	$2.13	$1.95	$1.94	$1.80	$1.35	$1.17	$1.11	$1.00
Accumulation unit value at end of period	$2.84	$2.33	$2.50	$2.13	$1.95	$1.94	$1.80	$1.35	$1.17	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	783	883	1,042	1,165	1,389	1,629	1,714	2,074	2,548	3,288

AB VPS International Value Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$1.59	$2.09	$1.69	$1.72	$1.70	$1.84	$1.52	$1.35	$1.69	$1.64
Accumulation unit value at end of period	$1.83	$1.59	$2.09	$1.69	$1.72	$1.70	$1.84	$1.52	$1.35	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	1,374	1,521	1,760	2,127	2,375	2,643	3,099	3,734	4,866	6,458

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.79	$0.98	$1.00	$0.72	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.94	$0.79	$0.98	$1.00	$0.72	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,892	3,975	4,151	3,546	3,236	2,228	543	—	—	—

American Century VP International, Class II (2/13/2002)
Accumulation unit value at beginning of period	$1.79	$2.13	$1.65	$1.77	$1.78	$1.91	$1.58	$1.32	$1.52	$1.36
Accumulation unit value at end of period	$2.26	$1.79	$2.13	$1.65	$1.77	$1.78	$1.91	$1.58	$1.32	$1.52
Number of accumulation units outstanding at end of period (000 omitted)	426	466	516	573	661	780	850	987	1,335	1,679

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.87	$2.18	$1.98	$1.63	$1.68	$1.46	$1.14	$0.99	$1.01	$0.86
Accumulation unit value at end of period	$2.39	$1.87	$2.18	$1.98	$1.63	$1.68	$1.46	$1.14	$0.99	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	564	620	841	822	522	574	599	625	582	775

86 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.38	$2.40	$1.84	$1.78	$1.70	$1.57	$1.16	$1.03	$1.03	$0.90
Accumulation unit value at end of period	$3.17	$2.38	$2.40	$1.84	$1.78	$1.70	$1.57	$1.16	$1.03	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	559	546	530	641	631	701	770	915	992	992

American Century VP Value, Class II (2/13/2002)
Accumulation unit value at beginning of period	$2.45	$2.73	$2.54	$2.14	$2.26	$2.02	$1.56	$1.38	$1.38	$1.24
Accumulation unit value at end of period	$3.07	$2.45	$2.73	$2.54	$2.14	$2.26	$2.02	$1.56	$1.38	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	3,603	3,858	4,171	4,465	4,733	4,750	4,853	4,953	5,339	5,469

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.20	$1.32	$1.17	$1.14	$1.17	$1.16	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.40	$1.20	$1.32	$1.17	$1.14	$1.17	$1.16	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,355	4,558	4,381	4,425	4,355	3,099	1,906	428	—	—

Calvert VP SRI Balanced Portfolio – Class I (2/13/2002)
Accumulation unit value at beginning of period	$1.83	$1.91	$1.72	$1.62	$1.67	$1.54	$1.33	$1.21	$1.17	$1.06
Accumulation unit value at end of period	$2.26	$1.83	$1.91	$1.72	$1.62	$1.67	$1.54	$1.33	$1.21	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	380	385	419	452	524	596	614	583	649	737

Columbia Variable Portfolio – Balanced Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.11	$2.27	$2.00	$1.91	$1.90	$1.74	$1.45	$1.29	$1.27	$1.14
Accumulation unit value at end of period	$2.56	$2.11	$2.27	$2.00	$1.91	$1.90	$1.74	$1.45	$1.29	$1.27
Number of accumulation units outstanding at end of period (000 omitted)	11,684	11,070	10,404	9,620	6,606	4,407	3,681	3,269	3,744	4,325

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.51	$0.60	$0.60	$0.54	$0.72	$0.92	$1.00	—	—	—
Accumulation unit value at end of period	$0.54	$0.51	$0.60	$0.60	$0.54	$0.72	$0.92	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	728	820	1,020	675	523	355	32	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.58	$1.76	$1.47	$1.37	$1.35	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.07	$1.58	$1.76	$1.47	$1.37	$1.35	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,948	5,072	5,544	5,240	3,941	1,859	342	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.32	$2.44	$1.99	$1.87	$1.87	$1.65	$1.25	$1.11	$1.07	$0.92
Accumulation unit value at end of period	$2.86	$2.32	$2.44	$1.99	$1.87	$1.87	$1.65	$1.25	$1.11	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	1,064	1,148	1,237	1,598	1,912	2,126	2,670	3,109	3,980	5,013

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.79	$0.88	$0.86	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.80	$0.79	$0.88	$0.86	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	383	377	369	404	489	339	252	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.65	$2.85	$2.53	$2.25	$2.34	$2.16	$1.72	$1.53	$1.63	$1.41
Accumulation unit value at end of period	$3.25	$2.65	$2.85	$2.53	$2.25	$2.34	$2.16	$1.72	$1.53	$1.63
Number of accumulation units outstanding at end of period (000 omitted)	2,966	3,235	4,113	4,760	5,343	6,204	7,057	8,522	11,111	13,939

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.98	$1.07	$0.97	$0.88	$0.90	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.08	$0.98	$1.07	$0.97	$0.88	$0.90	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,094	946	1,039	680	523	498	254	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$3.11	$4.02	$2.76	$2.66	$2.96	$3.07	$3.16	$2.65	$3.40	$2.87
Accumulation unit value at end of period	$4.04	$3.11	$4.02	$2.76	$2.66	$2.96	$3.07	$3.16	$2.65	$3.40
Number of accumulation units outstanding at end of period (000 omitted)	553	592	653	762	971	1,096	1,470	1,611	1,940	2,468

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.45	$1.55	$1.48	$1.52	$1.64	$1.65	$1.81	$1.72	$1.66	$1.58
Accumulation unit value at end of period	$1.59	$1.45	$1.55	$1.48	$1.52	$1.64	$1.65	$1.81	$1.72	$1.66
Number of accumulation units outstanding at end of period (000 omitted)	1,458	1,714	1,960	2,261	2,629	3,119	4,069	5,077	5,792	7,371

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$0.98	$0.98	$0.98	$1.00	$1.01	$1.02	$1.03	$1.04	$1.06	$1.07
Accumulation unit value at end of period	$0.98	$0.98	$0.98	$0.98	$1.00	$1.01	$1.02	$1.03	$1.04	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	1,989	2,503	1,767	2,795	2,879	3,212	3,817	3,990	5,730	7,758

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.51	$2.65	$2.52	$2.28	$2.33	$2.28	$2.18	$1.90	$1.82	$1.62
Accumulation unit value at end of period	$2.89	$2.51	$2.65	$2.52	$2.28	$2.33	$2.28	$2.18	$1.90	$1.82
Number of accumulation units outstanding at end of period (000 omitted)	1,630	2,027	2,620	3,322	3,561	4,212	4,734	5,671	6,355	7,802

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 87

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.96	$2.06	$1.96	$1.79	$1.83	$1.79	$1.72	$1.52	$1.45	$1.29
Accumulation unit value at end of period	$2.25	$1.96	$2.06	$1.96	$1.79	$1.83	$1.79	$1.72	$1.52	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	2,202	2,510	3,053	3,559	2,525	2,885	3,286	4,217	4,518	5,416

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.56	$1.58	$1.54	$1.49	$1.51	$1.45	$1.50	$1.41	$1.34	$1.25
Accumulation unit value at end of period	$1.68	$1.56	$1.58	$1.54	$1.49	$1.51	$1.45	$1.50	$1.41	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	6,204	6,366	7,414	8,459	9,169	10,127	12,817	18,482	20,159	26,396

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.16	$2.28	$1.80	$1.80	$1.67	$1.48	$1.15	$0.97	$1.02	$0.88
Accumulation unit value at end of period	$2.89	$2.16	$2.28	$1.80	$1.80	$1.67	$1.48	$1.15	$0.97	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	856	968	1,150	1,447	1,787	1,872	1,991	2,239	2,709	3,547

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.42	$2.57	$2.15	$1.95	$1.96	$1.75	$1.34	$1.18	$1.17	$1.03
Accumulation unit value at end of period	$3.13	$2.42	$2.57	$2.15	$1.95	$1.96	$1.75	$1.34	$1.18	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	11,080	9,042	7,913	6,216	5,727	4,397	3,312	2,590	3,038	3,421

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$1.05	$1.07	$1.06	$1.02	$1.06	$1.07	$1.07	$1.02	$1.01	$1.00
Accumulation unit value at end of period	$1.12	$1.05	$1.07	$1.06	$1.02	$1.06	$1.07	$1.07	$1.02	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	4,213	3,803	2,772	2,252	1,815	1,789	1,413	1,113	1,220	145

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.02	$1.09	$0.99	$0.97	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.02	$1.09	$0.99	$0.97	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,008	709	786	723	494	312	45	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.31	$2.45	$2.02	$2.00	$1.92	$1.81	$1.40	$1.27	$1.52	$1.22
Accumulation unit value at end of period	$3.08	$2.31	$2.45	$2.02	$2.00	$1.92	$1.81	$1.40	$1.27	$1.52
Number of accumulation units outstanding at end of period (000 omitted)	228	284	285	308	383	371	453	560	877	1,155

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.75	$2.13	$1.69	$1.83	$1.76	$1.95	$1.61	$1.39	$1.60	$1.42
Accumulation unit value at end of period	$2.17	$1.75	$2.13	$1.69	$1.83	$1.76	$1.95	$1.61	$1.39	$1.60
Number of accumulation units outstanding at end of period (000 omitted)	572	642	782	933	752	667	806	885	1,090	1,443

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.27	$2.62	$2.19	$1.85	$1.97	$1.79	$1.32	$1.12	$1.16	$0.97
Accumulation unit value at end of period	$2.83	$2.27	$2.62	$2.19	$1.85	$1.97	$1.79	$1.32	$1.12	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	440	543	358	402	600	829	710	665	477	561

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.18	$2.55	$2.27	$2.02	$2.15	$1.94	$1.43	$1.22	$1.35	$1.11
Accumulation unit value at end of period	$2.83	$2.18	$2.55	$2.27	$2.02	$2.15	$1.94	$1.43	$1.22	$1.35
Number of accumulation units outstanding at end of period (000 omitted)	438	467	468	533	648	721	814	1,034	1,325	1,680

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.74	$3.18	$2.87	$2.55	$2.67	$2.55	$1.74	$1.49	$1.65	$1.32
Accumulation unit value at end of period	$3.19	$2.74	$3.18	$2.87	$2.55	$2.67	$2.55	$1.74	$1.49	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	225	251	258	313	364	391	424	452	705	880

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.20	$1.20	$1.17	$1.16	$1.16	$1.11	$1.14	$1.14	$1.14	$1.12
Accumulation unit value at end of period	$1.27	$1.20	$1.20	$1.17	$1.16	$1.16	$1.11	$1.14	$1.14	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	1,776	2,112	2,603	3,123	3,392	4,235	5,295	6,553	7,651	9,727

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.44	$0.50	$0.50	$0.45	$0.61	$0.74	$0.83	$0.86	$1.00	$0.87
Accumulation unit value at end of period	$0.46	$0.44	$0.50	$0.50	$0.45	$0.61	$0.74	$0.83	$0.86	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	581	596	1,528	815	1,068	1,397	1,744	2,125	2,408	2,563

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.88	$0.97	$0.99	$1.10	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.88	$0.88	$0.97	$0.99	$1.10	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	731	890	888	1,113	918	474	184	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.41	$1.44	$1.42	$1.32	$1.36	$1.27	$1.36	$1.30	$1.19	$1.16
Accumulation unit value at end of period	$1.50	$1.41	$1.44	$1.42	$1.32	$1.36	$1.27	$1.36	$1.30	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	1,995	2,319	2,718	3,142	3,388	3,714	4,528	6,547	7,560	9,304

88 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.02	$1.23	$1.01	$0.98	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.02	$1.23	$1.01	$0.98	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,997	1,779	1,306	530	290	86	36	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.34	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.74	$1.34	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,637	1,797	1,874	2,133	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.58	$2.90	$2.54	$2.13	$2.15	$1.94	$1.45	$1.25	$1.35	$1.12
Accumulation unit value at end of period	$3.26	$2.58	$2.90	$2.54	$2.13	$2.15	$1.94	$1.45	$1.25	$1.35
Number of accumulation units outstanding at end of period (000 omitted)	338	315	292	206	187	156	168	218	282	347

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$0.97	$0.97	$0.98	$0.98	$1.00	$1.00	$1.02	$1.01	$1.00	$1.00
Accumulation unit value at end of period	$0.99	$0.97	$0.97	$0.98	$0.98	$1.00	$1.00	$1.02	$1.01	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	1,583	1,423	1,993	1,417	972	618	335	395	320	163

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.92	$1.03	$0.97	$0.94	$1.01	$0.99	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.04	$0.92	$1.03	$0.97	$0.94	$1.01	$0.99	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	915	1,064	1,129	1,269	1,268	1,159	896	228	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.33	$1.35	$1.32	$1.22	$1.25	$1.26	$1.23	$1.16	$1.14	$1.06
Accumulation unit value at end of period	$1.41	$1.33	$1.35	$1.32	$1.22	$1.25	$1.26	$1.23	$1.16	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	2,623	3,601	3,408	4,072	4,727	6,455	8,259	5,538	6,419	6,500

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.92	$2.09	$1.74	$1.63	$1.64	$1.49	$1.15	$1.00	$1.05	$0.90
Accumulation unit value at end of period	$2.50	$1.92	$2.09	$1.74	$1.63	$1.64	$1.49	$1.15	$1.00	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	9,782	9,552	10,078	10,461	11,918	10,949	10,325	10,153	11,122	12,302

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.21	$2.47	$2.14	$1.87	$1.94	$1.78	$1.35	$1.16	$1.16	$1.02
Accumulation unit value at end of period	$2.83	$2.21	$2.47	$2.14	$1.87	$1.94	$1.78	$1.35	$1.16	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	1,266	1,557	1,756	2,042	2,291	2,557	2,893	3,338	4,067	5,091

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.53	$4.19	$3.52	$3.18	$3.27	$3.12	$2.33	$2.05	$2.33	$1.84
Accumulation unit value at end of period	$4.29	$3.53	$4.19	$3.52	$3.18	$3.27	$3.12	$2.33	$2.05	$2.33
Number of accumulation units outstanding at end of period (000 omitted)	4,405	4,418	4,805	4,976	5,488	5,341	5,816	6,547	8,022	9,514

Fidelity^® VIP Overseas Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$1.85	$2.21	$1.72	$1.84	$1.80	$1.99	$1.54	$1.30	$1.59	$1.43
Accumulation unit value at end of period	$2.34	$1.85	$2.21	$1.72	$1.84	$1.80	$1.99	$1.54	$1.30	$1.59
Number of accumulation units outstanding at end of period (000 omitted)	545	718	792	945	1,109	1,245	1,403	1,536	1,936	2,441

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.10	$1.04	$0.97	$1.00	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.16	$1.06	$1.10	$1.04	$0.97	$1.00	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,065	7,409	6,336	4,238	3,345	2,973	530	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$1.97	$2.14	$1.96	$1.97	$1.98	$1.75	$1.73	$1.37	$1.47	$1.23
Accumulation unit value at end of period	$2.38	$1.97	$2.14	$1.96	$1.97	$1.98	$1.75	$1.73	$1.37	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	834	991	1,155	1,402	1,733	1,968	2,260	2,435	2,639	3,274

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.17	$1.24	$1.14	$1.01	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.34	$1.17	$1.24	$1.14	$1.01	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,083	5,060	4,376	4,296	5,121	4,599	864	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.08	$2.32	$2.17	$1.89	$2.01	$1.90	$1.50	$1.33	$1.36	$1.24
Accumulation unit value at end of period	$2.52	$2.08	$2.32	$2.17	$1.89	$2.01	$1.90	$1.50	$1.33	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	1,684	1,948	2,087	2,078	2,317	2,485	2,751	3,107	3,633	4,727

Franklin Small Cap Value VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.09	$3.59	$3.29	$2.56	$2.79	$2.81	$2.09	$1.78	$1.88	$1.48
Accumulation unit value at end of period	$3.86	$3.09	$3.59	$3.29	$2.56	$2.79	$2.81	$2.09	$1.78	$1.88
Number of accumulation units outstanding at end of period (000 omitted)	1,940	1,847	2,091	2,042	2,005	2,092	1,922	2,057	2,496	2,911

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 89

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$3.09	$3.50	$3.19	$2.84	$3.16	$2.82	$2.15	$1.83	$1.98	$1.60
Accumulation unit value at end of period	$4.02	$3.09	$3.50	$3.19	$2.84	$3.16	$2.82	$2.15	$1.83	$1.98
Number of accumulation units outstanding at end of period (000 omitted)	1,080	1,247	1,532	1,808	2,160	2,452	2,896	3,719	4,717	6,137

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.86	$0.93	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.92	$0.86	$0.93	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	822	602	530	392	337	85	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.46	$2.66	$2.17	$1.98	$2.01	$1.75	$1.28	$1.14	$1.10	$0.99
Accumulation unit value at end of period	$3.05	$2.46	$2.66	$2.17	$1.98	$2.01	$1.75	$1.28	$1.14	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	757	1,006	1,085	1,312	1,573	1,694	2,113	2,613	3,289	4,364

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.33	$2.72	$2.02	$2.05	$2.00	$1.98	$1.58	$1.32	$1.46	$1.28
Accumulation unit value at end of period	$3.02	$2.33	$2.72	$2.02	$2.05	$2.00	$1.98	$1.58	$1.32	$1.46
Number of accumulation units outstanding at end of period (000 omitted)	3,065	3,124	2,835	2,560	3,117	2,651	2,554	2,440	2,763	2,966

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.53	$1.63	$1.55	$1.48	$1.53	$1.51	$1.54	$1.38	$1.38	$1.22
Accumulation unit value at end of period	$1.68	$1.53	$1.63	$1.55	$1.48	$1.53	$1.51	$1.54	$1.38	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	5,069	5,415	6,884	7,596	9,456	11,272	13,581	17,582	20,765	25,920

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.55	$2.89	$2.57	$2.21	$2.38	$2.16	$1.55	$1.33	$1.38	$1.14
Accumulation unit value at end of period	$3.18	$2.55	$2.89	$2.57	$2.21	$2.38	$2.16	$1.55	$1.33	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	1,984	2,251	2,294	2,023	1,973	1,628	1,577	1,506	1,679	2,099

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.77	$1.87	$1.49	$1.47	$1.43	$1.33	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.39	$1.77	$1.87	$1.49	$1.47	$1.43	$1.33	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	599	704	739	955	1,178	1,420	2,006	2,437	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.16	$1.07	$0.97	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.16	$1.07	$0.97	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,664	2,577	3,205	3,225	3,496	2,734	2,301	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.12	$2.45	$2.11	$1.83	$1.97	$1.83	$1.36	$1.16	$1.20	$1.05
Accumulation unit value at end of period	$2.62	$2.12	$2.45	$2.11	$1.83	$1.97	$1.83	$1.36	$1.16	$1.20
Number of accumulation units outstanding at end of period (000 omitted)	1,928	2,195	2,400	2,997	3,560	3,960	4,816	5,740	7,423	9,203

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.74	$1.90	$1.77	$1.56	$1.55	$1.39	$1.07	$0.92	$1.00	—
Accumulation unit value at end of period	$2.15	$1.74	$1.90	$1.77	$1.56	$1.55	$1.39	$1.07	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	538	589	914	995	768	900	810	429	539	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.08	$2.09	$1.83	$2.10	$2.06	$1.75	$1.26	$1.06	$1.03	$1.00
Accumulation unit value at end of period	$2.71	$2.08	$2.09	$1.83	$2.10	$2.06	$1.75	$1.26	$1.06	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	253	267	301	354	521	411	367	341	383	387

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.58	$1.89	$1.56	$1.59	$1.65	$1.67	$1.42	$1.25	$1.36	$1.22
Accumulation unit value at end of period	$2.00	$1.58	$1.89	$1.56	$1.59	$1.65	$1.67	$1.42	$1.25	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	544	665	733	949	1,076	1,050	959	1,079	1,233	1,536

Invesco V.I. Mid Cap Growth Fund, Series I Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.58	$1.70	$1.40	$1.41	$1.41	$1.32	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.10	$1.58	$1.70	$1.40	$1.41	$1.41	$1.32	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	171	169	189	196	147	124	123	153	—	—
*Invesco V.I. Mid Cap Growth Fund, Series I Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series I Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.90	$1.93	$1.44	$1.47	$1.39	$1.27	$1.03	$0.94	$1.00	$0.83
Accumulation unit value at end of period	$2.55	$1.90	$1.93	$1.44	$1.47	$1.39	$1.27	$1.03	$0.94	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	453	494	463	432	506	505	586	728	1,003	1,578

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.14	$0.98	$1.02	$1.12	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.07	$1.14	$0.98	$1.02	$1.12	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	843	865	917	1,230	2,299	3,297	1,387	—	—	—

90 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.19	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,835	3,224	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.01	$1.03	$1.01	$1.00	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.09	$1.01	$1.03	$1.01	$1.00	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,282	3,245	3,672	4,198	2,494	787	243	—	—	—

Janus Henderson VIT Global Technology Portfolio: Service Shares (2/13/2002)
Accumulation unit value at beginning of period	$3.46	$3.47	$2.43	$2.16	$2.09	$1.93	$1.44	$1.23	$1.36	$1.11
Accumulation unit value at end of period	$4.96	$3.46	$3.47	$2.43	$2.16	$2.09	$1.93	$1.44	$1.23	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	73	69	67	69	85	88	93	96	122	169

Janus Henderson VIT Overseas Portfolio: Service Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.00	$2.38	$1.84	$2.00	$2.22	$2.55	$2.26	$2.02	$3.02	$2.45
Accumulation unit value at end of period	$2.50	$2.00	$2.38	$1.84	$2.00	$2.22	$2.55	$2.26	$2.02	$3.02
Number of accumulation units outstanding at end of period (000 omitted)	64	97	112	139	157	190	240	318	534	725

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.85	$1.93	$1.53	$1.54	$1.49	$1.33	$1.04	$0.89	$0.95	$0.84
Accumulation unit value at end of period	$2.47	$1.85	$1.93	$1.53	$1.54	$1.49	$1.33	$1.04	$0.89	$0.95
Number of accumulation units outstanding at end of period (000 omitted)	1,516	1,298	936	963	1,036	872	904	1,063	1,400	1,827

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.26	$1.36	$1.14	$1.12	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.46	$1.26	$1.36	$1.14	$1.12	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,273	1,304	1,080	996	839	677	397	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.28	$1.29	$1.02	$0.97	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.77	$1.28	$1.29	$1.02	$0.97	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	927	1,016	1,136	1,326	1,466	—	—	—	—	—

MFS^® New Discovery Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$2.56	$2.64	$2.11	$1.97	$2.03	$2.23	$1.59	$1.34	$1.51	$1.12
Accumulation unit value at end of period	$3.58	$2.56	$2.64	$2.11	$1.97	$2.03	$2.23	$1.59	$1.34	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	319	330	383	466	530	703	924	1,014	1,248	1,318

MFS^® Utilities Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$4.02	$4.04	$3.57	$3.25	$3.86	$3.47	$2.92	$2.61	$2.48	$2.21
Accumulation unit value at end of period	$4.96	$4.02	$4.04	$3.57	$3.25	$3.86	$3.47	$2.92	$2.61	$2.48
Number of accumulation units outstanding at end of period (000 omitted)	1,860	1,841	2,062	2,066	2,380	2,670	2,644	2,679	2,928	2,748

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.14	$1.96	$1.43	$1.59	$1.71	$1.70	$1.25	$1.17	$1.28	$0.98
Accumulation unit value at end of period	$2.97	$2.14	$1.96	$1.43	$1.59	$1.71	$1.70	$1.25	$1.17	$1.28
Number of accumulation units outstanding at end of period (000 omitted)	1,527	1,151	745	647	865	1,012	933	1,242	1,686	1,284

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.30	$1.44	$1.32	$1.30	$1.33	$1.19	$1.17	$0.91	$1.03	$0.85
Accumulation unit value at end of period	$1.52	$1.30	$1.44	$1.32	$1.30	$1.33	$1.19	$1.17	$0.91	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	471	557	671	847	1,071	1,292	1,547	1,651	1,854	2,304

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.02	$1.24	$0.99	$1.02	$1.02	$1.06	$0.91	$0.78	$0.90	$0.75
Accumulation unit value at end of period	$1.28	$1.02	$1.24	$0.99	$1.02	$1.02	$1.06	$0.91	$0.78	$0.90
Number of accumulation units outstanding at end of period (000 omitted)	111	113	157	182	206	208	237	220	287	320

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.96	$0.91	$0.92	$0.98	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.00	$0.88	$0.96	$0.91	$0.92	$0.98	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	441	411	415	289	373	21	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.45	$1.56	$1.39	$1.24	$1.39	$1.40	$1.41	$1.25	$1.24	$1.11
Accumulation unit value at end of period	$1.60	$1.45	$1.56	$1.39	$1.24	$1.39	$1.40	$1.41	$1.25	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	2,080	2,306	2,689	3,195	3,992	5,897	7,334	9,642	8,325	7,492

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.03	$1.10	$0.98	$0.95	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.19	$1.03	$1.10	$0.98	$0.95	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	335	324	269	262	370	339	332	233	—	—

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 91

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.01	$1.03	$0.99	$0.98	$0.99	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.08	$1.01	$1.03	$0.99	$0.98	$0.99	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,114	2,254	1,961	1,423	928	580	264	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.49	$2.54	$2.23	$2.54	$2.39	$1.89	$1.35	$1.12	$1.15	$1.13
Accumulation unit value at end of period	$3.21	$2.49	$2.54	$2.23	$2.54	$2.39	$1.89	$1.35	$1.12	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	326	358	451	532	506	379	412	433	508	683

Putnam VT International Equity Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.53	$1.91	$1.53	$1.58	$1.60	$1.74	$1.37	$1.14	$1.39	$1.28
Accumulation unit value at end of period	$1.89	$1.53	$1.91	$1.53	$1.58	$1.60	$1.74	$1.37	$1.14	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	175	193	257	286	335	320	366	444	703	801

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.41	$2.48	$1.94	$1.82	$1.85	$1.65	$1.22	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.24	$2.41	$2.48	$1.94	$1.82	$1.85	$1.65	$1.22	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	183	165	219	200	208	225	107	106	136	189

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.96	$0.95	$0.95	$0.93	$0.98	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.97	$0.96	$0.95	$0.95	$0.93	$0.98	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,151	2,281	2,297	2,140	2,335	1,820	681	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.71	$0.86	$0.78	$0.53	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.71	$0.86	$0.78	$0.53	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,463	1,449	923	695	526	375	184	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.20	$1.07	$1.12	$1.00
Accumulation unit value at end of period	$1.96	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.20	$1.07	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	59,259	67,068	78,567	87,255	100,483	105,357	112,247	95,228	88,245	18,111

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.21	$1.07	$1.12	$1.00
Accumulation unit value at end of period	$1.96	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.21	$1.07	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	1,298	1,590	2,691	2,829	3,506	3,789	5,048	5,386	7,382	11,130

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04	$1.00
Accumulation unit value at end of period	$1.33	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	39,818	40,482	48,720	59,311	58,818	70,948	106,272	160,513	106,320	31,375

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04	$1.00
Accumulation unit value at end of period	$1.33	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,163	3,758	4,225	4,776	6,583	8,205	11,689	18,739	19,708	20,762

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.11	$0.97	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,536	2,942	111	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.99	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.16	$0.99	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,162	985	285	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.10	$1.03	$1.02	$1.04	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.17	$1.06	$1.10	$1.03	$1.02	$1.04	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,880	11,719	10,687	14,633	9,712	9,371	3,637	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.11	$1.17	$1.07	$1.04	$1.08	$1.04	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.11	$1.17	$1.07	$1.04	$1.08	$1.04	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	38,633	37,933	40,095	47,465	39,217	33,530	9,694	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.19	$1.31	$1.13	$1.10	$1.15	$1.11	$1.00	—	—	—
Accumulation unit value at end of period	$1.39	$1.19	$1.31	$1.13	$1.10	$1.15	$1.11	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	214,205	221,885	231,063	234,714	242,820	202,464	52,708	—	—	—

92 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (4/30/2012)
Accumulation unit value at beginning of period	$1.23	$1.33	$1.17	$1.15	$1.19	$1.15	$1.02	$1.00	—	—
Accumulation unit value at end of period	$1.41	$1.23	$1.33	$1.17	$1.15	$1.19	$1.15	$1.02	—	—
Number of accumulation units outstanding at end of period (000 omitted)	270,038	290,652	306,488	322,387	324,682	292,621	141,007	36,030	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.43	$1.54	$1.37	$1.33	$1.35	$1.30	$1.18	$1.08	$1.09	$1.00
Accumulation unit value at end of period	$1.65	$1.43	$1.54	$1.37	$1.33	$1.35	$1.30	$1.18	$1.08	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	639,487	687,203	732,837	776,338	817,719	863,442	970,843	983,581	803,653	267,638

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.44	$1.54	$1.38	$1.33	$1.36	$1.31	$1.19	$1.08	$1.09	$1.00
Accumulation unit value at end of period	$1.65	$1.44	$1.54	$1.38	$1.33	$1.36	$1.31	$1.19	$1.08	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	26,188	30,699	35,938	42,319	48,141	55,451	63,550	66,495	76,905	95,000

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.54	$1.67	$1.46	$1.40	$1.43	$1.37	$1.20	$1.08	$1.11	$1.00
Accumulation unit value at end of period	$1.80	$1.54	$1.67	$1.46	$1.40	$1.43	$1.37	$1.20	$1.08	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	198,212	238,218	284,009	321,871	363,007	395,159	448,743	416,636	380,432	98,233

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.54	$1.67	$1.46	$1.40	$1.43	$1.38	$1.20	$1.08	$1.11	$1.00
Accumulation unit value at end of period	$1.80	$1.54	$1.67	$1.46	$1.40	$1.43	$1.38	$1.20	$1.08	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	5,781	7,045	8,352	8,425	11,325	12,393	17,092	20,325	28,510	43,525

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.32	$1.39	$1.28	$1.25	$1.27	$1.22	$1.15	$1.07	$1.07	$1.00
Accumulation unit value at end of period	$1.48	$1.32	$1.39	$1.28	$1.25	$1.27	$1.22	$1.15	$1.07	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	104,479	109,727	126,804	147,800	157,110	182,170	236,976	315,033	235,332	82,795

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.32	$1.39	$1.28	$1.25	$1.27	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.48	$1.32	$1.39	$1.28	$1.25	$1.27	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	8,117	9,224	11,178	14,197	16,266	19,251	23,130	30,768	33,844	38,588

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.63	$1.80	$1.51	$1.40	$1.41	$1.27	$1.00	$0.92	$0.96	$0.87
Accumulation unit value at end of period	$2.04	$1.63	$1.80	$1.51	$1.40	$1.41	$1.27	$1.00	$0.92	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	278	311	354	386	452	510	560	547	742	1,020

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.66	$3.11	$2.94	$2.37	$2.65	$2.63	$1.97	$1.76	$1.86	$1.52
Accumulation unit value at end of period	$3.14	$2.66	$3.11	$2.94	$2.37	$2.65	$2.63	$1.97	$1.76	$1.86
Number of accumulation units outstanding at end of period (000 omitted)	625	671	745	878	1,013	1,110	1,346	1,725	2,181	2,661

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.01	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.11	$1.01	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	8,661	2,924	1,781	227	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.15	$1.21	$1.03	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.36	$1.15	$1.21	$1.03	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	41,911	28,905	19,202	4,033	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.11	$1.16	$1.02	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.29	$1.11	$1.16	$1.02	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	35,067	24,516	13,799	3,724	—	—	—	—	—	—

Wanger International (2/13/2002)
Accumulation unit value at beginning of period	$3.60	$4.43	$3.37	$3.46	$3.50	$3.70	$3.06	$2.55	$3.02	$2.45
Accumulation unit value at end of period	$4.62	$3.60	$4.43	$3.37	$3.46	$3.50	$3.70	$3.06	$2.55	$3.02
Number of accumulation units outstanding at end of period (000 omitted)	998	1,159	1,316	1,545	1,784	2,115	2,380	2,671	3,403	4,188

Wanger USA (2/13/2002)
Accumulation unit value at beginning of period	$3.43	$3.53	$2.98	$2.66	$2.70	$2.61	$1.98	$1.67	$1.75	$1.43
Accumulation unit value at end of period	$4.45	$3.43	$3.53	$2.98	$2.66	$2.70	$2.61	$1.98	$1.67	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	1,487	1,709	1,967	2,385	2,789	3,101	3,704	4,290	5,535	7,116

Wells Fargo VT Index Asset Allocation Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.30	$2.40	$2.17	$2.04	$2.03	$1.74	$1.48	$1.32	$1.26	$1.12
Accumulation unit value at end of period	$2.74	$2.30	$2.40	$2.17	$2.04	$2.03	$1.74	$1.48	$1.32	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	120	267	333	371	407	424	445	523	603	776

RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus 93

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.50	$1.83	$1.49	$1.46	$1.45	$1.55	$1.31	$1.17	$1.36	$1.18
Accumulation unit value at end of period	$1.71	$1.50	$1.83	$1.49	$1.46	$1.45	$1.55	$1.31	$1.17	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	593	597	797	819	970	969	1,078	1,221	1,411	1,780

Wells Fargo VT Opportunity Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.69	$2.94	$2.47	$2.23	$2.32	$2.13	$1.65	$1.45	$1.55	$1.27
Accumulation unit value at end of period	$3.50	$2.69	$2.94	$2.47	$2.23	$2.32	$2.13	$1.65	$1.45	$1.55
Number of accumulation units outstanding at end of period (000 omitted)	888	1,019	1,139	1,077	1,223	954	1,074	1,295	1,577	941

Wells Fargo VT Small Cap Growth Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.03	$3.02	$2.43	$2.28	$2.38	$2.46	$1.65	$1.55	$1.65	$1.31
Accumulation unit value at end of period	$3.73	$3.03	$3.02	$2.43	$2.28	$2.38	$2.46	$1.65	$1.55	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	1,586	1,463	1,152	1,098	1,391	951	1,040	1,006	1,106	1,331

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.12	$1.04	$0.91	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.06	$1.12	$1.04	$0.91	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	751	537	493	345	383	293	47	—	—	—

94 RiverSource Retirement Advisor Advantage/Retirement Advisor Select Variable Annuity — Prospectus

Prospectus

May 1, 2020

RiverSource^®

Retirement Advisor Advantage Plus Variable Annuity

Retirement Advisor Select Plus Variable Annuity

Individual Flexible Premium Deferred Combination Fixed/Variable Annuities

Issued by:	RiverSource Life Insurance Company (RiverSource Life)
	70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) ameriprise.com/variableannuities RiverSource Variable Account 10/RiverSource Account MGA

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor Advantage Plus Variable Annuity (RAVA Advantage Plus), or the RiverSource Retirement Advisor Select Plus Variable Annuity (RAVA Select Plus). The information in this prospectus applies to both contracts unless stated otherwise.

New contracts are not currently being offered.

Prospectuses are also available for:

AB Variable Products Series Fund, Inc.

ALPS Variable Investment Trust

American Century Variable Portfolios, Inc.

BlackRock Variable Series, Inc.

Calvert Variable Series, Inc.

Columbia Funds Variable Insurance Trust

Columbia Funds Variable Series Trust II

Credit Suisse Trust

Deutsche DWS Variable Series II

Eaton Vance Variable Trust

Fidelity^® Variable Insurance Products – Service Class 2

Franklin^® Templeton^® Variable Insurance Products Trust – Class 2

Goldman Sachs Variable Insurance Trust (VIT)

Invesco Variable Insurance Funds

Ivy Variable Insurance Portfolios

Janus Aspen Series: Service Shares

Lazard Retirement Series, Inc.

Legg Mason Partners Variable Equity Trust

MFS^® Variable Insurance Trust^SM

Morgan Stanley Variable Insurance Fund, Inc. (VIF)

Neuberger Berman Advisers Management Trust

Oppenheimer Variable Account Funds – Service Shares

PIMCO Variable Insurance Trust (VIT)

Putnam Variable Trust – Class IB Shares

VanEck VIP Trust

Wanger Advisors Trust

Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 1

Effects of COVID-19 Pandemic

2 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Band 3 annuities: RAVA Advantage Plus and RAVA Select Plus contracts that are available for:

•	current or retired employees of Ameriprise Financial, Inc. or its subsidiaries and their spouses (employees),
•	current or retired Ameriprise financial advisors and their spouses (advisors), or
•	individuals investing an initial purchase payment of $1 million or more, with our approval (other individuals).

Beneficiary: The person you designate to receive benefits in case of your death while the contract is in force.

Close of business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).

Code: The Internal Revenue Code of 1986, as amended.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed account: Part of our general account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates that we declare periodically.

transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in “good order”, your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the contract number; the transaction amount (in dollars); the names of and allocations to and/or from the subaccounts and the fixed account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all contract owners for the request to be in good order. With respect to purchase requests, “good order” also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in good order, and we reserve the right to change or waive any good order requirements at any time.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments and purchase payment credits or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments and purchase payment credits or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a Market Value Adjustment, which may result in a gain or loss of principal.

Market Value Adjustment (MVA): A positive or negative adjustment assessed if any portion of a Guarantee Period Account is surrendered or transferred more than 30 days before the end of its guarantee period.

Owner (you, your): A natural person or persons identified in the contract as owner(s) of the contract, (including a revocable trust) who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. The owner or any joint owner may be a nonnatural person (e.g. irrevocable trust or corporation) or a revocable trust. If any owner is a nonnatural person or a revocable trust, the annuitant will be deemed to be the owner for contract provisions that are based on the age or life of the owner. When the contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 5

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:

•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code
•	Roth IRAs including inherited Roth IRAs under Section 408A of the Code
•	SIMPLE IRAs under Section 408(p) of the Code
•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code
•	Plans under Section 401(k) of the Code
•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code
•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider to your contract when you purchase the EEB, EEP, MAV, 5-Year MAV, ROPP, Accumulation Benefit and/or Withdrawal Benefit rider. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Settlement date: The date when annuity payouts are scheduled to begin.

Special Dollar-Cost Averaging (Special DCA) account: An account to which you may allocate new purchase payments of at least $10,000. Amounts you allocate to this account earn interest at rates that we declare periodically and will transfer into your specified subaccount allocations in six monthly transfers. The Special DCA account may not be available at all times.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

Valuation date: Any normal business day, Monday through Friday, on which the NYSE is open, up to the time it closes. At the NYSE close, the next valuation date begins. We calculate the accumulation unit value of each subaccount on each valuation date. If we receive your purchase payment or any transaction request (such as a transfer or surrender request) in good order at our Service Center before the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our Service Center at or after the close of business, we will process your payment or transaction using the accumulation unit value we calculate on the next valuation date. If you make a transaction request by telephone (including by fax), you must have completed your transaction by the close of business in order for us to process it using the accumulation unit value we calculate on that valuation date. If you were not able to complete your transaction before the close of business for any reason, including telephone service interruptions or delays due to high call volume, we will process your transaction using the accumulation unit value we calculate on the next valuation date.

6 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The Contracts in Brief

This prospectus describes two contracts. RAVA Advantage Plus offers a choice of a seven-year or a ten-year surrender charge schedule and relatively lower expenses. RAVA Select Plus offers a three-year surrender charge schedule and relatively higher expenses. The information in this prospectus applies to both contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the GPAs, fixed account, subaccounts and/or Special DCA fixed account under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

Free look period: The contracts in this prospectus are no longer sold. Generally, all available free look periods have now expired.

Accounts: Generally, you may allocate your purchase payments among any or all of:

•	the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)
•	GPAs which earn interest at rates declared when you make an allocation to that account. The required minimum investment in each GPA is $1,000. These accounts may not be available in all states. (see “Guarantee Period Accounts (GPAs)”)
•	the fixed account, which earns interest at a rate that we adjust periodically. Purchase payment allocations to the fixed account may be subject to special restrictions. (see “The Fixed Account”)
•	the Special DCA account, when available. (see “The Fixed Account — The Special DCA Fixed Account”)

Transfers: Subject to certain restrictions, you currently may redistribute your contract value among the accounts until annuity payouts begin, and once per contract year among the subaccounts after annuity payouts begin. Transfers out of the GPAs done more than 30 days before the end of the guarantee period will be subject to an MVA, unless an exception applies. You may establish automated transfers among the accounts. You may not transfer existing amounts to the Special DCA fixed account. GPAs and fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 7

Benefits in case of death: If you die before annuity payouts begin, we will pay the beneficiary an amount at least equal to the contract value, except in the case of a purchase payment credit reversal. (see “Benefits in Case of Death — Standard Death Benefit”)

Optional benefits: These contracts offer optional features that are available for additional charges if you meet certain criteria. Optional living benefits require your participation in the PN program or investment in approved investment options, which may limit transfers and allocations; may limit the timing, amount and allocation of purchase payments; and may limit the amount of partial surrenders that can be taken under the optional benefit during a contract year. (see “Optional Benefits”)

variable basis, or both. Total monthly payouts may include amounts from each subaccount and the fixed account. During the annuity payout period, you cannot be invested in more than five subaccounts at any one time unless we agree otherwise. (see “The Annuity Payout Period”)

Taxes: Generally, income earned on your contract value grows tax-deferred until you surrender it or begin to receive payouts. Upon surrender, income taxes generally apply, (under certain circumstances, IRS penalty taxes may apply to surrenders) unless you direct such amounts to be transferred to another investment within the same retirement plan have them directly rolled over to another eligible retirement plan such as an IRA, or qualify for Section 1035 treatment. The tax treatment of qualified and nonqualified annuities differs. Even if you direct payouts to someone else, you will be taxed on the income if you are the owner. However, Roth IRAs may grow and be distributed tax free if you meet certain distribution requirements. (see “Taxes”)

8 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Expense Summary

The following tables describe the fees and expenses that you will pay when buying, owning and surrendering the contract. The first table describes the fees and expenses that you paid at the time that you bought the contract or surrender the contract. State premium taxes also may be deducted.

Contract Owner Transaction Expenses

Surrender charge for RAVA Advantage Plus

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.^*

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7+	0	7	4
		8	3
		9	2
		10+	0

The ten-year surrender charge schedule is not available for contracts issued in Oregon. In Connecticut and Utah, the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama, Massachusetts, Oregon and Washington, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made.

According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA Select Plus (except Texas)

(Contingent deferred sales load as a percentage of purchase payment surrendered)

Years from contract date***	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge for RAVA Select Plus in Texas

(Contingent deferred sales load)

	Surrender charge percentage (as a percentage of purchase payments surrendered) in contract year
Payments made in contract year***	1	2	3	Thereafter
1	8%	7%	6%	0%
2		8	7	0
3			8	0
Thereafter				0

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Liquidation charges under Variable Annuity Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment rate is 3.5% and 6.67% if the assumed investment rate is 5%. The liquidation charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate. (See “Charges – Surrender Charge” and “The Annuity Payout Period – Annuity Payout Plans.”)

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 9

Surrender charge for fixed annuity payouts, if available:

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuitization.

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

Annual Contract Administrative Charge

Maximum: $50*

Current: $30

(We will waive this $30 charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)

*	In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

Optional Rider Fees

Optional Death Benefits

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)

ROPP rider fee	Maximum: 0.30%	Current: 0.20%
MAV rider fee	Maximum: 0.35%	Current: 0.25%
5-Year MAV rider fee	Maximum: 0.20%	Current: 0.10%
EEB rider fee	Maximum: 0.40%	Current: 0.30%
EEP rider fee	Maximum: 0.50%	Current: 0.40%
PN rider fee⁽¹⁾	Maximum: 0.00%	Current: 0.00%

⁽¹⁾	Effective May 10, 2010, the PN rider is not required to select funds of funds in the PN program and this fee does not apply. Prior to May 10, 2010, the PN rider fee was 0.10% and the maximum fee was 0.20%

Optional Living Benefits

Accumulation Benefit rider fee	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/12
	2.50%	0.60%

Current annual rider fees for elective step-up (including elective spousal continuation step-up) requests on/after 10/20/2012 are shown in the table below.

Elective step up date:	If invested in Portfolio Navigator fund at the time of step-up:	If invested in Portfolio Stabilizer fund at the time of step-up:
10/20/2012 – 11/17/2013	1.75%	n/a
11/18/2013 – 10/17/2014	1.75%	1.30%
10/18/2014 – 06/30/2016	1.60%	1.00%
07/01/2016 – 10/15/2018	1.75%	1.30%
10/16/2018 – 12/29/2019	1.40%	1.00%
12/30/2019 – 07/20/2020	1.55%	1.15%
07/21/2020 and later	2.50%	2.25%

(Charged annually as a percentage of contract value or the minimum contract accumulation value, whichever is greater. The fee applies only if you elect the optional rider.)

Withdrawal Benefit rider fee

Maximum: 2.50%

Initial: 0.60%⁽²⁾

10 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)

⁽²⁾

Effective Dec. 18, 2013 if you request an elective step-up or the elective spousal continuation step-up or move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to, the fee that will apply to your rider will correspond to the fund you are currently invested in as shown in the table below.

Fund name	Maximum annual rider fee	Current annual rider fee as of 12/18/13
Portfolio Stabilizer funds	2.50%	0.60%
Portfolio Navigator funds:
Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	2.50%	0.60%
Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	2.50%	0.60%
Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	2.50%	0.60%
Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	2.50%	0.90%
Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)	2.50%	1.05%

Annual Variable Account Expenses

(Total annual variable account expenses as a percentage of average daily subaccount value)

Mortality and expense risk fee:	RAVA Advantage Plus	RAVA Select Plus
For nonqualified annuities	0.95%	1.20%
For qualified annuities	0.75%	1.00%
For Band 3 annuities	0.55%	0.75%

Annual Operating Expenses of the Funds

Minimum and maximum total annual operating expenses for the funds⁽¹⁾

(Including management, distribution (12b-1) and/or service fees and other expenses)

	Minimum(%)	Maximum(%)
Total expenses before fee waivers and/or expense reimbursements	0.39	2.78

⁽¹⁾

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 11

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses. These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of the funds available with living benefit riders* and before fee waivers and/or expense reimbursements. They assume that you select the optional MAV, EEP and Withdrawal Benefit or Accumulation Benefit^(1),(2). Although your actual costs may be higher or lower, based on these assumptions your costs would be:

*	Note: Certain funds are not available for contracts with living benefit riders and may have higher fund expenses than the rider fee and associated fund expenses shown here.

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus
With a ten-year surrender charge schedule ⁽³⁾	$1,336	$2,446	$3,533	$5,830	$608	$1,808	$2,985	$5,830
RAVA Advantage Plus
With a seven-year surrender charge schedule	1,233	2,333	3,319	5,776	603	1,792	2,958	5,776
RAVA Select Plus	1,258	1,861	3,065	5,951	628	1,861	3,065	5,951
RAVA Select Plus – Texas	1,258	1,861	3,065	5,951	628	1,861	3,065	5,951

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus
With a ten-year surrender charge schedule ⁽³⁾	$1,316	$2,389	$3,445	$5,685	$588	$1,752	$2,898	$5,685
RAVA Advantage Plus
With a seven-year surrender charge schedule	1,213	2,277	3,232	5,633	583	1,736	2,871	5,633
RAVA Select Plus	1,238	1,805	2,979	5,812	608	1,805	2,979	5,812
RAVA Select Plus – Texas	1,238	1,805	2,979	5,812	608	1,805	2,979	5,812

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Band 3 Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus – Band 3
With a ten-year surrender charge schedule ⁽³⁾	$1,296	$2,333	$3,356	$5,538	$568	$1,695	$2,809	$5,538
RAVA Advantage Plus – Band 3
With a seven-year surrender charge schedule	1,193	2,221	3,145	5,487	563	1,680	2,784	5,487
RAVA Select Plus – Band 3	1,213	1,736	2,871	5,633	583	1,736	2,871	5,633
RAVA Select Plus – Texas – Band 3	1,213	1,736	2,871	5,633	583	1,736	2,871	5,633

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements⁽⁴⁾. They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:

12 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus
With a ten-year surrender charge schedule ⁽³⁾	$923	$1,225	$1,498	$1,917	$169	$520	$892	$1,917
RAVA Advantage Plus
With a seven-year surrender charge schedule	821	1,114	1,284	1,900	167	516	884	1,900
RAVA Select Plus	844	594	1,017	2,176	193	594	1,017	2,176
RAVA Select Plus – Texas	844	594	1,017	2,176	193	594	1,017	2,176

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus
With a ten-year surrender charge schedule ⁽³⁾	$904	$1,164	$1,389	$1,688	$148	$457	$783	$1,688
RAVA Advantage Plus
With a seven-year surrender charge schedule	802	1,053	1,177	1,675	147	453	777	1,675
RAVA Select Plus	825	532	911	1,956	172	532	911	1,956
RAVA Select Plus – Texas	825	532	911	1,956	172	532	911	1,956

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Band 3 Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA Advantage Plus – Band 3
With a ten-year surrender charge schedule ⁽³⁾	$885	$1,100	$1,280	$1,456	$127	$393	$674	$1,456
RAVA Advantage Plus – Band 3
With a seven-year surrender charge schedule	783	990	1,069	1,444	126	390	669	1,444
RAVA Select Plus – Band 3	802	453	777	1,675	147	453	777	1,675
RAVA Select Plus – Texas – Band 3	802	453	777	1,675	147	453	777	1,675

⁽¹⁾	In these examples, the contract administrative charge is $50.
⁽²⁾	Because these examples are intended to illustrate the most expensive combination of contract features, the maximum annual fee for each optional rider is reflected rather than the fee that is currently being charged.
⁽³⁾	In Connecticut and Utah, your expenses would be slightly lower due to the modified ten-year surrender charge schedule.
⁽⁴⁾	In these examples, the contract administrative charge is $30.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 13

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix E.

Financial Statements

The Variable Account and the Funds

The Funds: The contract currently offers subaccounts investing in shares of the funds listed in the table below.

Investment objectives: The investment managers and advisers cannot guarantee that the funds will meet their investment objectives.

•	Fund name and management: A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.
•	Eligible purchasers: All funds are available to serve as the underlying investments for variable annuities and variable life insurance policies. The funds are not available to the public (see “Fund name and management” above). Some funds also are available to serve as investment options for tax-deferred retirement plans. It is possible that in the future for tax, regulatory or other reasons, it may be disadvantageous for variable annuity accounts and variable life insurance accounts and/or tax-deferred retirement plans to invest in the available funds simultaneously. Although we and the funds’ providers do not currently foresee any such disadvantages, the boards of directors or trustees of each fund will monitor events in order to identify any material conflicts between annuity owners, policy owners and tax-deferred retirement plans and to determine what action, if any, should be taken in response to a conflict. If a board were to conclude that it should establish separate fund providers for the variable annuity, variable life insurance and tax-deferred retirement plan accounts, you would not bear any expenses associated with establishing separate funds. Please refer to the funds’ prospectuses for risk disclosure regarding simultaneous investments by variable annuity, variable life insurance and tax-deferred retirement plan accounts. Each fund intends to comply with the diversification requirements under Section 817(h) of the Code.
•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that

14 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

	are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.
•	Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. In making these decisions, we may consider various objective and subjective factors. Objective factors include, but are not limited to fund performance, fund expenses, classes of fund shares available, size of the fund and investment objectives and investing style of the fund. Subjective factors include, but are not limited to, investment sub-styles and process, management skill and history at other funds and portfolio concentration and sector weightings. We also consider the levels and types of revenue, including but not limited to expense payments and non-cash compensation a fund, its distributor, investment adviser, subadviser, transfer agent or their affiliates pay us and our affiliates. This revenue includes, but is not limited to compensation for administrative services provided with respect to the fund and support of marketing and distribution expenses incurred with respect to the fund.
•	Money Market fund yield: In low interest rate environments, money market fund yields may decrease to a level where the deduction of fees and charges associated with your contract could result in negative net performance, resulting in a corresponding decrease in your contract value.
•	Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management. We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several funds of funds, including Portfolio Navigator and Portfolio Stabilizer funds. As such, it retains full discretion over the investment activities and investment decisions of the funds. These funds invest in other registered mutual funds. In providing investment advisory services for the funds and the underlying funds in which those funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management Investment Advisers or one of its affiliates serves as the investment adviser to the underlying funds and may provide other services in connection with such underlying funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying fund.
•	Volatility and Volatility Management Risk with the Portfolio Stabilizer funds. Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These types of funds are available under the contracts and one or more of these funds may be offered in other variable annuity and variable life insurance products offered by us. These funds may also be used in conjunction with guaranteed living benefit and death benefit riders we offer with various annuity contracts.
	Conflicts may arise because the manner in which these funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit and death benefit riders. Managed volatility funds employ a strategy to reduce overall volatility and downside risk. A successful strategy may result in smaller losses to your contract value when markets are declining and market volatility is high. In turn, a successful strategy may also result in less gain in your contract value during rising markets with higher volatility when compared to funds not employing a managed volatility strategy. Accordingly, although an investment in the Portfolio Stabilizer funds may mitigate declines in your contract value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your contract value during periods of positive performance by the equity markets. There is no guarantee any of the funds’ strategies will be successful. When offered with a guaranteed living benefit, managed volatility funds may decrease the number and amount of any periodic benefit base increase opportunities. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.
	While Columbia Management is the investment adviser to the Portfolio Navigator and Portfolio Stabilizer funds, it provides no investment advice to you as to whether an allocation to the funds is appropriate for you. You must decide whether an investment in these funds is right for you. Additional information on the funds, including risks and conflicts of interest, is included in their respective prospectuses. Columbia Management advised fund of funds and managed volatility funds and their investment objectives are listed in the table below.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 15

•	Revenue we receive from the funds and potential conflicts of interest:

Expenses We May Incur on Behalf of the Funds

A complete list of why we may receive this revenue, as well as sources of revenue, is described in detail below.

Payments the Funds May Make to Us

Conflicts of Interest These Payments May Create

The Amount of Payments We Receive from the Funds

We or our affiliates receive revenue which ranges up to 0.65% of the average daily net assets invested in the funds through this and other contracts we and our affiliates issue.

•	Compensating, training and educating financial advisors who sell the contracts.
•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.
•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to contract owners, authorized selling firms and financial advisors.
•	Providing sub-transfer agency and shareholder servicing to contract owners.
•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.
•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.
•	Furnishing personal services to contract owners, including education of contract owners regarding the funds, answering routine inquiries regarding a fund, maintaining accounts or providing such other services eligible for service fees as defined under the rules of the Financial Industry Regulatory Authority (FINRA).
•	Subaccounting services, transaction processing, recordkeeping and administration.

16 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

•	Sources of revenue received from affiliated funds: The affiliated funds are managed by Columbia Management or Columbia Wanger. The sources of revenue we receive from these affiliated funds, or from the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We may receive this revenue either in the form of a cash payment or it may be allocated to us.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

•	Sources of revenue received from unaffiliated funds: The unaffiliated funds are not managed by an affiliate of ours. The sources of revenue we receive from these unaffiliated funds, or the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We receive this revenue in the form of a cash payment.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

Unless you have selected one of the optional living benefit riders, you may allocate purchase payments and transfers to any or all of the subaccounts of the variable account that invest in shares of the funds listed in the table below. From time to time, certain fund names are changed. When we are notified of a name change, we will make changes so that the new name is properly shown. However, changes may take some period of time to complete. As a result it is possible you may receive various forms, reports and confirmations that reflect a fund’s prior name.

Investing In	Investment Objective and Policies	Investment Adviser
AB VPS Dynamic Asset Allocation Portfolio (Class B)	Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk.	AllianceBernstein L.P.
AB VPS Global Thematic Growth Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS Growth and Income Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
AB VPS International Value Portfolio (Class B)	Seeks long-term growth of capital.	AllianceBernstein L.P.
ALPS \| Alerian Energy Infrastructure Portfolio: Class III	The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS Advisors, Inc.
American Century VP International, Class II	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Mid Cap Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
American Century VP Ultra^®, Class II	Seeks capital growth.	American Century Investment Management, Inc.
American Century VP Value, Class II	Seeks long-term capital growth. Income is a secondary objective.	American Century Investment Management, Inc.
BlackRock Global Allocation V.I. Fund (Class III)	Seeks high total investment return.	BlackRock Advisors, LLC
Calvert VP SRI Balanced Portfolio - Class I	Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.	Calvert Research and Management

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 17

Investing In	Investment Objective and Policies	Investment Adviser
ClearBridge Variable Small Cap Growth Portfolio - Class I	Seeks long-term growth of capital.	Legg Mason Partners Fund Advisor, LLC, investment manager; ClearBridge Investments, LLC, sub-adviser. (Western Asset Management Company manages the portion of cash and short-term investments allocated to it)
Columbia Variable Portfolio - Balanced Fund (Class 3)	Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Commodity Strategy Fund (Class 2)	Seeks to provide shareholders with total return.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Contrarian Core Fund (Class 2)	Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Disciplined Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Dividend Opportunity Fund (Class 3)	Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2)	Non-diversified fund that seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Emerging Markets Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Global Strategic Income Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with high total return through income and growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Government Money Market Fund (Class 3)	Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - High Yield Bond Fund (Class 3)	Seeks to provide shareholders with high current income as its primary objective and, as its secondary objective, capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Income Opportunities Fund (Class 3)	Seeks to provide shareholders with a high total return through current income and capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Intermediate Bond Fund (Class 3)	Seeks to provide shareholders with a high level of current income while attempting to conserve the value of the investment for the longest period of time.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Growth Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Large Cap Index Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2)	Seeks to provide shareholders with a level of current income consistent with preservation of capital.	Columbia Management Investment Advisers, LLC

18 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2)	Seeks total return, consisting of current income and capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Mid Cap Growth Fund (Class 3)	Seeks to provide shareholders with growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Overseas Core Fund (Class 3)	Seeks to provide shareholders with capital appreciation.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Large Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - Select Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC
Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 3)	Seeks to provide shareholders with current income as its primary objective and, as its secondary objective, preservation of capital.	Columbia Management Investment Advisers, LLC
Credit Suisse Trust - Commodity Return Strategy Portfolio	The portfolio is designed to achieve positive total return relative to the performance of the Bloomberg Commodity Index Total Return ("BCOM Index").	Credit Suisse Asset Management, LLC
CTIVP^® - BlackRock Global Inflation-Protected Securities Fund (Class 3)	Non-diversified fund that seeks to provide shareholders with total return that exceeds the rate of inflation over the long term.	Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser.
CTIVP^® - Lazard International Equity Advantage Fund (Class 2)	Seeks long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Lazard Asset Management LLC, subadviser.
CTIVP^® - Loomis Sayles Growth Fund (Class 1)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Loomis, Sayles & Company, L.P., subadviser.
CTIVP^® - Victory Sycamore Established Value Fund (Class 3)	Seeks to provide shareholders with long-term growth of capital.	Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser.
CTIVP^® - Wells Fargo Short Duration Government Fund (Class 2)	Seeks to provide shareholders with current income consistent with capital preservation.	Columbia Management Investment Advisers, LLC, adviser; Wells Capital Management Incorporated, subadviser.
DWS Alternative Asset Allocation VIP, Class B	Seeks capital appreciation.	DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadvisor.
Eaton Vance VT Floating-Rate Income Fund - Initial Class	Seeks high level of current income.	Eaton Vance Management

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 19

Investing In	Investment Objective and Policies	Investment Adviser
Fidelity^® VIP Contrafund^® Portfolio Service Class 2	Seeks long-term capital appreciation. Normally invests primarily in common stocks. Invests in securities of companies whose value FMR believes is not fully recognized by the public. Invests in either "growth" stocks or "value" stocks or both. The fund invests in domestic and foreign issuers.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Growth & Income Portfolio Service Class 2	Seeks high total return through a combination of current income and capital appreciation. Normally invests a majority of assets in common stocks with a focus on those that pay current dividends and show potential for capital appreciation. Invests in domestic and foreign issuers. The Fund invests in either "growth" stocks or "value" stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Mid Cap Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks. Normally invests at least 80% of assets in securities of companies with medium market capitalizations. May invest in companies with smaller or larger market capitalizations. Invests in domestic and foreign issuers. The Fund invests in either "growth" or "value" common stocks or both.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Overseas Portfolio Service Class 2	Seeks long-term growth of capital. Normally invests primarily in common stocks allocating investments across different countries and regions. Normally invests at least 80% of assets in non-U.S. securities.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund.
Fidelity^® VIP Strategic Income Portfolio Service Class 2	Seeks a high level of current income and may also seek capital appreciation.	Fidelity Management & Research Company (FMR) (the Adviser) is the fund's manager. Fidelity Investments Money Management, Inc. (FIMM), FMR Co., Inc. (FMRC), FIL Investment Advisors (UK) Limited (FIA(UK)) and other investment advisers serve as sub-advisers for the fund.
Franklin Global Real Estate VIP Fund - Class 2	Seeks high total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of companies located anywhere in the world that operate in the real estate sector.	Franklin Templeton Institutional, LLC
Franklin Income VIP Fund - Class 2	Seeks to maximize income while maintaining prospects for capital appreciation. Under normal market conditions, the fund invests in both equity and debt securities.	Franklin Advisers, Inc.
Franklin Mutual Shares VIP Fund - Class 2	Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the fund invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued.	Franklin Mutual Advisers, LLC
Franklin Small Cap Value VIP Fund - Class 2	Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Mutual Advisers, LLC
Goldman Sachs VIT Mid Cap Value Fund - Institutional Shares	Seeks long-term capital appreciation.	Goldman Sachs Asset Management, L.P.

20 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Goldman Sachs VIT Multi-Strategy Alternatives Portfolio - Advisor Shares	Seeks long-term growth of capital.	Goldman Sachs Asset Management, L.P.
Goldman Sachs VIT U.S. Equity Insights Fund - Institutional Shares	Seeks long-term growth of capital and dividend income.	Goldman Sachs Asset Management, L.P.
Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares	Seeks total return	Invesco Advisers, Inc.
Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares	Seeks capital appreciation.	Invesco Advisers, Inc.
Invesco V.I. American Franchise Fund, Series II Shares	Seeks capital growth.	Invesco Advisers, Inc.
Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares	Seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco Advisers, Inc.
Invesco V.I. Comstock Fund, Series II Shares	Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks.	Invesco Advisers, Inc.
Invesco V.I. Diversified Dividend Fund, Series I Shares	Seeks to provide reasonable current income and long-term growth of income and capital.	Invesco Advisers, Inc.
Invesco V.I. Health Care Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Invesco V.I. International Growth Fund, Series II Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Invesco V.I. Technology Fund, Series I Shares	Seeks long-term growth of capital.	Invesco Advisers, Inc.
Ivy VIP Asset Strategy, Class II	Seeks to provide total return.	Ivy Investment Management Company
Janus Henderson Balanced Portfolio: Service Shares	Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.	Janus Capital Management LLC
Janus Henderson Flexible Bond Portfolio: Service Shares	Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Capital Management LLC
Janus Henderson Research Portfolio: Service Shares	Seeks long-term growth of capital.	Janus Capital Management LLC

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 21

Investing In	Investment Objective and Policies	Investment Adviser
Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares	Seeks long-term capital appreciation.	Lazard Asset Management, LLC
MFS^® Massachusetts Investors Growth Stock Portfolio - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® New Discovery Series - Service Class	Seeks capital appreciation.	MFS^® Investment Management
MFS^® Utilities Series - Service Class	Seeks total return.	MFS^® Investment Management
Morgan Stanley VIF Discovery Portfolio, Class II Shares	Seeks long-term capital growth by investing primarily in common stocks and other equity securities.	Morgan Stanley Investment Management Inc.
Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares	Seeks to provide current income and capital appreciation.	Morgan Stanley Investment Management Inc., adviser; Morgan Stanley Investment Management Limited and Morgan Stanley Investment Management Company, subadvisers.
Neuberger Berman AMT International Equity Portfolio (Class S)	Seeks long-term growth of capital by investing primarily in common stocks of foreign companies.	Neuberger Berman Investment Advisers LLC
Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S)	Seeks long-term growth of capital and income generation.	Neuberger Berman Investment Advisers LLC
PIMCO VIT All Asset Portfolio, Advisor Class	Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (previously PIMCO VIT Global Multi-Asset Managed Allocation Portfolio, Advisor Class)	Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	Pacific Investment Management Company LLC (PIMCO)
PIMCO VIT Total Return Portfolio, Advisor Class	Seeks maximum total return, consistent with preservation of capital and prudent investment management.	Pacific Investment Management Company LLC (PIMCO)
Putnam VT Global Health Care Fund - Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, investment advisor. Though the investment advisor has retained the services of both Putnam Investments Limited (PIL) and The Putnam Advisory Company, LLC (PAC), PIL and PAC do not currently manage any asses of the fund.
Putnam VT International Equity Fund - Class IB Shares	Seeks capital appreciation.	Putnam Investment Management, LLC, investment advisor; Putnam Investments Limited, sub-adviser. Though the investment advisor has retained the services of The Putnam Advisory Company, LLC (PAC), PAC does not currently manage any assets of the fund.
Putnam VT Sustainable Leaders Fund - Class IB Shares	Seeks long-term capital appreciation.	Putnam Investment Management, LLC, investment advisor. Though the investment advisor has retained the services of Putnam Investments Limited (PIL), PIL does not currently manage any assets.

22 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Investing In	Investment Objective and Policies	Investment Adviser
Templeton Global Bond VIP Fund - Class 2	Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration. Under normal market conditions, the fund invests at least 80% of its net assets in debt securities of any maturity.	Franklin Advisers, Inc.
VanEck VIP Global Gold Fund (Class S Shares)	Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	Van Eck Associates Corporation
Variable Portfolio - Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Risk U.S. Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderate Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderate level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Aggressive Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.	Columbia Management Investment Advisers, LLC

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 23

Investing In	Investment Objective and Policies	Investment Adviser
Variable Portfolio - Moderately Conservative Portfolio (Class 2)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Moderately Conservative Portfolio (Class 4)	Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.	Columbia Management Investment Advisers, LLC
Variable Portfolio - Partners Core Equity Fund (Class 3)	Seeks to provide shareholders with long-term capital growth.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc. and T. Rowe Price Associates, Inc., subadvisers.
Variable Portfolio - Partners Small Cap Value Fund (Class 3)	Seeks to provide shareholders with long-term capital appreciation.	Columbia Management Investment Advisers, LLC, adviser; Jacobs Levy Equity Management, Inc., Nuveen Asset Management, LLC and Segall Bryant & Hamill, LLC, subadvisers.
Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)	Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Columbia Management Investment Advisers, LLC
Wanger International	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wanger USA	Seeks long-term capital appreciation.	Columbia Wanger Asset Management, LLC
Wells Fargo VT International Equity Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT Opportunity Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Wells Fargo VT Small Cap Growth Fund - Class 2	Seeks long-term capital appreciation.	Wells Fargo Funds Management, LLC, adviser; Wells Capital Management Inc., sub-adviser.
Western Asset Variable Global High Yield Bond Portfolio - Class II	Seeks to maximize total return.	Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, LLC, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisers.

24 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states.

Currently, unless the PN program is in effect or you have selected one of the optional living benefit riders, you may allocate purchase payments and purchase payment credits to one or more of the GPAs with guarantee periods declared by us. The required minimum investment in each GPA is $1,000. These accounts are not offered after annuity payouts begin.

Each GPA pays an interest rate that is declared when you make an allocation to that account. Interest is credited daily. That interest rate is then fixed for the guarantee period that you chose. We will periodically change the declared interest rate for any future allocations to these accounts, but we will not change the rate paid on money currently in a GPA. The GPA interests under the contracts are registered with the SEC (File No.333-230957). The SEC staff reviews the disclosures in this prospectus on the GPA interests.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates).

These rates generally will be based on various factors related to future investment earnings. We cannot predict nor can we guarantee what future rates will be.

We hold amounts you allocate to the GPAs in a “nonunitized” separate account. This separate account provides an additional measure of assurance that we will make full payment of amounts due under the GPAs. We own the assets of this separate account as well as any favorable investment performance of those assets. You do not participate in the performance of the assets held in this separate account. We guarantee all benefits relating to your value in the GPAs. This guarantee is based on the continued claims-paying ability of the company’s general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account.

We intend to construct and manage the investment portfolio relating to the separate account in such a way as to minimize the impact of fluctuations in interest rates. We achieve this by constructing a portfolio of assets with a price sensitivity to interest rate changes (i.e., price duration) that is similar to the price duration of the corresponding portfolio of liabilities.

We must invest this portfolio of assets in accordance with requirements established by applicable state laws regarding the nature and quality of investments that life insurance companies may make and the percentage of their assets that they may commit to any particular type of investment. Our investment strategy will incorporate the use of a variety of debt instruments having price durations tending to match the applicable guarantee periods. These instruments include, but are not necessarily limited to, the following:

•	Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;
•	Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;
•	Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;
•	Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and
•	Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

In addition, options and futures contracts on fixed income securities will be used from time to time to achieve and maintain appropriate investment and liquidity characteristics on the overall asset portfolio.

While this information generally describes our investment strategy, we are not obligated to follow any particular strategy except as may be required by federal law and Minnesota and other state insurance laws.

Market Value Adjustment (MVA)

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 25

GPA (all subject to applicable surrender and transfer provisions). If we do not receive any instructions by the end of your guarantee period, our current practice is to automatically transfer the contract value to the one year GPA. Any new GPA, whether it is one you choose or an automatic transfer to a one year GPA, will be subject to an MVA as described below.

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless one of the exceptions to the 30-day rule described below applies, we will apply an MVA if you surrender or transfer contract value from a GPA or you elect an annuity payout plan while you have contract value invested in a GPA. We will refer to these transactions as “early surrenders.” The application of an MVA may result in either a gain or loss of principal.

The 30-day rule does not apply and no MVA will apply to:

•	amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Diagnosis; and
•	amounts deducted for fees and charges.

Amounts we pay as death claims will not be reduced by any MVA.

When you request an early surrender, we adjust the early surrender amount by an MVA formula. The early surrender amount reflects the relationship between the guaranteed interest rate you are earning in your current GPA and the interest rate we are crediting on new GPAs that end at the same time as your current GPA.

The MVA is sensitive to changes in current interest rates. The magnitude of any applicable MVA will depend on our current schedule of guaranteed interest rates at the time of the surrender, the time remaining in your guarantee period and your guaranteed interest rate. The MVA is negative, zero or positive depending on how the guaranteed interest rate on your GPA compares to the interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. This is summarized in the following table:

If your GPA rate is:	The MVA is:
Less than the new GPA rate + 0.10%	Negative
Equal to the new GPA rate + 0.10%	Zero
Greater than the new GPA rate + 0.10%	Positive

For an example, see Appendix A.

26 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The General Account

The Fixed Account

Unless the PN program is in effect or you have selected one of the optional living benefit riders, you also may allocate purchase payments and purchase payment credits or transfer contract value to the fixed account. Amounts allocated to the fixed account are part of our general account. We back the principal and interest guarantees relating to the fixed account. These guarantees are subject to the creditworthiness and continued claims-paying ability of the company. The value of the fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. Interest rates credited in excess of the guaranteed rate generally will be based on various factors related to future investment earnings.

The fixed account has not been registered with the SEC. Disclosures regarding the fixed account, however, are subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in a prospectus. (See “Making the Most of Your Contract — Transfer Policies” for restrictions on transfers involving the fixed account.)

The Special DCA Account

You also may allocate purchase payments and purchase payment credits to the Special DCA account, when available. The Special DCA account is available for promotional purposes for new purchase payments only and may not be available at all times.* We back the principal and interest guarantees relating to the Special DCA account. These guarantees are based on the continued claims-paying ability of the company. The value of the Special DCA account increases as we credit interest to the account. Purchase payments to the Special DCA account become part of our general account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment is guaranteed for the period of time money remains in the Special DCA account. The rates credited to the Special DCA account will be based on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses.

We have not registered interests in the Special DCA account as securities under the Securities Act of 1933 nor have any of these accounts been registered as investment companies under the Investment Company Act of 1940. We believe these options are exempt from registration under the federal securities laws because the underlying values do not vary according to the performance of a separate account and satisfy state standard non-forfeiture laws. Accordingly, we have a reasonable basis for concluding that the Special DCA account provides sufficient guarantees of principal and interest through the company’s general account to qualify under Section 3(a)(8) of the Securities Act of 1933.

The Special DCA account has not been registered with the SEC. Disclosures regarding the Special DCA account, however, are subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in a prospectus. (See “Making the Most of Your Contract — Special Dollar Cost Averaging Program” for more information on the Special DCA account.)

*	For contracts purchased in Oregon the Special DCA account is available at all times.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 27

Buying Your Contract

New contracts are not currently being offered.

As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can buy a contract if you and the annuitant are 90 or younger.

The contract provides for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account, to the GPAs, to the fixed account and/or to the Special DCA account (when available) in even 1% increments subject to the $1,000 required minimum investment for the GPAs. There may be certain restrictions on the amount you may allocate to the fixed account. (See “Purchase Payments.”)

Householding and delivery of certain documents

Purchase Payments*

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract.

Minimum allowable purchase payments**

If paying by installments under a scheduled payment plan:

$50 per month

	RAVA Advantage Plus	RAVA Select Plus
If paying by any other method: initial payment for qualified annuities	$1,000	$2,000
initial payment for nonqualified annuities	2,000	10,000
for any additional payments	50	50

RAVA Advantage Plus and RAVA Select Plus Band 3 annuities sold to individuals other than advisors and employees: Require a minimum $1,000,000 initial purchase payment and our approval. Contracts already approved may make payments in subsequent years up to $100,000 if your age on the effective date of the contract is age 85 or younger and $50,000 if your age on the effective date of the contract is age 86 to 90.

Maximum allowable purchase payments*** (without our approval) based on your age on the effective date of the contract:

	RAVA Advantage Plus	RAVA Select Plus
For the first year: through age 85	$999,999	$999,999
for ages 86 to 90	100,000	100,000
For each subsequent year: through age 85	100,000	100,000
for ages 86 to 90	50,000	50,000

***	These limits apply in total to all RiverSource Life annuities you own. We reserve the right to increase maximum limits. For qualified annuities the tax-deferred retirement plan’s or the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date.

For RAVA Advantage Plus, except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts, Alabama, Washington and Oregon.

28 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Effective Jan. 26, 2009, no additional purchase payments are allowed for contracts with the Withdrawal Benefit rider or Enhanced Withdrawal Benefit rider, subject to state restrictions.

For contracts issued in all states except those listed below, certain exceptions apply and the following additional purchase payments will be allowed on/after Jan. 26, 2009:

a.	Tax Free Exchanges, rollovers, and transfers listed on the annuity application and received within 180 days from the contract issue date.
b.	Current tax year contributions for TSAs up to the annual limit set by the IRS.
c.	Prior and current tax year contributions up to a cumulative annual maximum of $6,000⁽¹⁾ for any Qualified Accounts except TSAs. This maximum applies to IRAs, Roth IRAs, SIMPLE IRAs, and SEP plans.
⁽¹⁾	The maximum amount is subject to change in later years and is based on the limit set by the IRS for individual IRAs (including the catch-up provision).

For contracts with the Withdrawal Benefit rider and Enhanced Withdrawal Benefit rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will not be limited beyond the maximum purchase payment limits shown above.

Additional purchase payment restrictions for contracts with the Accumulation Benefit rider

Additional purchase payments for contracts with the Accumulation Benefit rider are restricted during the waiting period after the first 180 days (1) immediately following the effective date and (2) following the last contract anniversary for each elective step up.

We reserve the right to change these current rules at any time, subject to state restrictions.

Purchase payment amounts and purchase payment timing may vary by state and may be limited under the terms of your contract.

Subject to state regulatory requirements, we reserve the right to not accept purchase payments allocated to the fixed account for twelve months following either:

1.	a partial surrender from the fixed account; or
2.	a lump sum transfer from the fixed account to a subaccount.

How to Make Purchase Payments

11 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

22 By scheduled payment plan

We can help you set up:

•	an automatic payroll deduction, salary reduction or other group billing arrangement; or
•	a bank authorization.

Purchase Payment Credits

For RAVA Advantage Plus: we add a credit to your contract in the amount of:

•	1% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract* and the initial purchase payment is under $100,000; or

– if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract* and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 29

For RAVA Advantage Plus – Band 3: we add a credit to your contract in the amount of:

•	2% of each purchase payment received:

– if you elect the seven-year surrender charge schedule for your contract.

•	3% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract*.

Surrender charges under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a full surrender in years five through ten. We pay for the credits under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA Select Plus: we add a credit to your contract in the amount of 1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000 but less than $1,000,000.

For RAVA Select Plus – Band 3: we add a credit to your contract in the amount of 2% of each purchase payment received in the first contract year.

Expenses under RAVA Select Plus and RAVA Select Plus – Band 3 may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. We pay for the credits under RAVA Select Plus and RAVA Select Plus – Band 3 primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, surrender payment, or settlement under an annuity payout plan includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a lump sum death benefit under this contract; (2) a request for surrender charge waiver due to Nursing Home Confinement or Terminal Illness Disability Diagnosis; or (3) your settlement of the contract under an annuity payout plan.*

The ten-year surrender charge under RAVA Advantage Plus and RAVA Advantage Plus – Band 3 is not available in Oregon. Contracts purchased in Oregon are only eligible for a 1% purchase payment credit if the initial purchase payment is at least $100,000. For contracts purchased in Oregon, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit includes purchase payment credits applied within twelve months preceding the date of death that results in a lump sum death benefit under this contract only.

Limitations on Use of Contracts

30 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The Settlement Date

Beneficiary

If death benefits become payable before the settlement date while the contract is in force and before annuity payouts begin, we will pay the death benefit to your named beneficiary. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their complete claim. A beneficiary will bear the investment risk if the variable account until we receive the beneficiary’s complete claim. If there is no named beneficiary, then the default provisions of your contract apply. (See “Benefits in Case of Death” for more about beneficiaries.)

Charges

Contract Administrative Charge

We charge this fee for establishing and maintaining your records. Currently, we deduct $30 from your contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. The contract administrative charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. We reserve the right to increase this charge after the first contract anniversary to a maximum of $50.*

We will waive $30 of this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

If you surrender your contract, we will deduct the full charge at the time of surrender regardless of the contract value or purchase payments made. This charge does not apply after annuity payouts begin or when we pay death benefits.

*	In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

Mortality and Expense Risk Fee

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:

	RAVA Advantage Plus	RAVA Select Plus
For nonqualified annuities	0.95%	1.20%
For qualified annuities	0.75%	1.00%
For Band 3 annuities	0.55%	0.75%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the GPAs, the fixed account or the Special DCA account.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 31

owners or annuitants do not live as long as expected, we could profit from the mortality risk fee. We deduct the mortality risk fee from the subaccounts during the annuity payout period even if the annuity payout plan does not involve a life contingency.

Expense risk arises because we cannot increase the contract administrative charge more than $20.00 per contract and this charge may not cover our expenses. We would have to make up any deficit from our general assets. We could profit from the expense risk fee if future expenses are less than expected.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:

•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;
•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

Surrender Charge

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA Advantage Plus, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. For RAVA Select Plus, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. The surrender charge percentages that apply to you are shown in your contract.

You may surrender an amount during any contract year without a surrender charge. We call this amount the Total Free Amount (TFA). The TFA varies depending on whether your contract includes the Withdrawal Benefit rider:

Contracts without Withdrawal Benefit rider

The TFA is the greater of:

•	10% of the contract value on the prior contract anniversary*; or
•	current contract earnings.

Contracts with Withdrawal Benefit rider

The TFA is the greatest of:

•	10% of the contract value on the prior contract anniversary*;
•	current contract earnings; or
•	the Remaining Benefit Payment (RBP).
*	We consider your purchase payment and any purchase payment credit applied on the first day payments are received to be the prior contract anniversary’s contract value during the first contract year.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, GPA, the fixed account or the Special DCA account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

Surrender charge under RAVA Advantage Plus:

For purposes of calculating any surrender charge under RAVA Advantage Plus, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.
3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

32 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7+	0	7	4
		8	3
		9	2
		10+	0

Surrender charge under RAVA Select Plus (except Texas):

For purposes of calculating any surrender charge under RAVA Select Plus, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:

Contract year***	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge under RAVA Select Plus in Texas:

For purposes of calculating any surrender charge under RAVA Select Plus in Texas, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:

	Surrender charge percentage (as a percentage of purchase payments surrendered) in contract year
Payments made in contract year***	1	2	3	Thereafter
1	8%	7%	6%	0%
2		8	7	0
3			8	0
Thereafter				0

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Partial surrenders:

For an example, see Appendix B.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 33

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuitization.

Waiver of surrender charges

We do not assess surrender charges for:

•	surrenders of any contract earnings;
•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;
•	if you elected the Withdrawal Benefit rider, your contract’s Remaining Benefit Payment to the extent it exceeds the greater of contract earnings or 10% of the contract value on the prior contract anniversary;
•	amounts surrendered after the tenth contract anniversary in Alabama, Massachusetts, Washington and Oregon;
•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;
•	contracts settled using an annuity payout plan*, unless an Annuity Payout Plan E is later surrendered;
•	amounts we refund to you during the free look period*;
•	death benefits*;
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue the contract. Under this provision, we will waive surrender charges that we normally assess upon full or partial surrender. You must provide proof satisfactory to us that, as of the date you request the surrender, you are or your spouse is confined to a nursing home or hospital and have been for 60 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.); and
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Terminal Illness Disability Diagnosis” provision.* To the extent permitted by state law, this provision applies when you are under age 76 on the date we issue the contract. Under this provision, we will waive surrender charges that we normally assess for surrenders you

34 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

make if you are diagnosed after the contract date as disabled with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of a licensed physician’s statement. You must provide us with a licensed physician’s statement containing the terminal illness diagnosis and the date the terminal illness was initially diagnosed. (See your contract for additional conditions and restrictions on this waiver.)

However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate certain charges such as the contract administrative and surrender charges. However, we expect this to occur infrequently.

Accumulation Benefit Rider Fee

We deduct an annual charge from your current value for this optional benefit only if you select it. The charge is calculated by multiplying the annual rider fee by the greater of your contract value or the minimum contract accumulation value. See table below for the applicable percentage.

We prorate this fee among the subaccounts and the fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the Special DCA account. Such fee is only deducted from any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. The fee will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Accumulation Benefit rider, you may not cancel it and the charge will continue to be deducted through the end of the waiting period or when annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

The Accumulation Benefit rider fee will not exceed a maximum fee of 2.50%.

We may change the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the Accumulation Benefit rider fee in effect on your contract after the rider effective date unless:

(a)	you choose the annual elective step-up or elective spousal continuation step-up after we have exercised our rights to increase the rider fee; or
(b)	you change your PN program investment option after we have exercised our rights to increase the rider fee or vary the rider fee for each PN program investment option.

We exercised our right to increase the rider fee upon elective step-up or elective spousal continuation step-up and vary the fee depending on whether your contract value is invested in one of the Portfolio Navigator or Portfolio Stabilizer funds at the time of the elective step-up or spousal continuation step-up. You will pay the fee that is in effect on the valuation date we receive your written request to step-up. Currently, we waive our right to increase the fee for investment option changes. There is no assurance that we will not exercise our right in the future.

If you request an elective step-up (including elective spousal continuation step-up) requests, the fee that will apply to your rider will correspond to the fund in which you are invested at that time, as shown in the table below.

Accumulation Benefit rider fee	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/12
	2.50%	0.60%

Current annual rider fees for elective step-up (including elective spousal continuation step-up) requests on/after 10/20/2012 are shown in the table below.

Elective step up date:	If invested in Portfolio Navigator fund at the time of step-up:	If invested in Portfolio Stabilizer fund at the time of step-up:
10/20/2012 – 11/17/2013	1.75%	n/a
11/18/2013 – 10/17/2014	1.75%	1.30%
10/18/2014 – 06/30/2016	1.60%	1.00%

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 35

Elective step up date:	If invested in Portfolio Navigator fund at the time of step-up:	If invested in Portfolio Stabilizer fund at the time of step-up:
07/01/2016 – 10/15/2018	1.75%	1.30%
10/16/2018 – 12/29/2019	1.40%	1.00%
12/30/2019 – 07/20/2020	1.55%	1.15%
07/21/2020 and later	2.50%	2.25%

If your annual rider fee changes during the contract year, on the next contract anniversary we will calculate an average rider fee that reflects the various fees that were in effect that year, adjusted for the number of calendar days each fee was in effect.

Subject to the terms of your contract, we reserve the right to further increase the rider fees to the maximum limit provided by your rider and to vary the rider fees based on the fund you select.

The automatic step-up option available under your rider will not impact your rider fee.

Please see the “Optional Living Benefits — Accumulation Benefit Rider” section for a full description and rules applicable to elective and automatic step-up options under your rider.

The charge does not apply after the annuity payouts begin.

Withdrawal Benefit Rider Fee

We charge a fee for this optional feature only if you select it. The initial annual rider fee is 0.60%. The charge is calculated by multiplying the annual rider fee by your contract value on your contract anniversary. Remember, since the charge is taken on a contract anniversary all purchase payments received during the preceding calendar year will increase your charge. This is especially important to consider when you make purchase payments near your contract anniversary because the payment amount increases your contract value and will result in an increased rider anniversary charge. We prorate this fee among the subaccounts and the fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA account. Such fee is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. The fee will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Withdrawal Benefit, you may not cancel it and the fee will continue to be deducted until the contract is terminated or annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the Withdrawal Benefit fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the Remaining Benefit Amount (RBA) goes to zero but the contract value has not been depleted, you will continue to be charged.

The Withdrawal Benefit rider fee will not exceed a maximum of 2.50%.

We may increase the rider fee at our discretion and on a nondiscriminatory basis. However, any change to the rider fee will only apply to existing contract owners if:

(a)	you choose the annual elective step-up or elective spousal continuation step-up after we have exercised our rights to increase the rider fee;
(b)	you change your PN program investment option after we have exercised our rights to increase the rider fee and/or vary the rider fee for each PN program investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:

•	request an elective step-up or the elective spousal continuation step-up, or
•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to,

the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.

If you move to a Portfolio Navigator fund that is less aggressive than the Portfolio Navigator fund you are currently allocated to, your fee will not increase and may decrease according to the table below.

Fund name	Maximum annual rider fee	Initial annual rider fee	Current annual rider fee as of 12/18/13
Portfolio Stabilizer funds	2.50%	0.60%	0.60%
Portfolio Navigator funds:
Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	2.50%	0.60%	0.60%

36 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Fund name	Maximum annual rider fee	Initial annual rider fee	Current annual rider fee as of 12/18/13
Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	2.50%	0.60%	0.60%
Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	2.50%	0.60%	0.60%
Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	2.50%	0.60%	0.90%
Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)	2.50%	0.60%	1.05%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:

1.	Remain invested in your current Portfolio Navigator fund and elect to step-up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.
2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.
3.	Do not elect a step-up, if eligible. You will not lock in contract gains, but your rider fee will stay the same.

For the enhanced rider, if during the 30 days following your contract anniversary, your contract value is allocated to a fund subject to a fee increase, we will automatically process any available step-up and lock in any contract gains, as well as reactivate automatic step-ups, when contract value is transferred:

1.	to a Portfolio Stabilizer fund;
2.	to a less aggressive Portfolio Navigator fund that is not subject to a fee increase, if applicable; or
3.	to a more aggressive Portfolio Navigator fund.

For original riders, you must always elect to step-up your rider values. The step-up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.

Rider fees may increase or decrease as you move to various funds. Your fee will increase if you transfer your contract value to a more aggressive Portfolio Navigator fund with a higher fee. If you transfer to a less aggressive Portfolio Navigator fund or transfer to a Portfolio Stabilizer fund, your fee may decrease. Certain rider fees may not change depending on the fund in which your contract value is allocated.

We will notify you in writing about your opportunity to elect to step-up (if eligible) and incur the higher rider fee or maintain your guaranteed amount at its current level and keep your rider fee the same. For original riders or enhanced rider subject to a fee increase, you will receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step-up to increase your guaranteed income and how to make the election if eligible. You will have a 30 day period beginning on your next contract anniversary to choose whether to step-up and accept the fee increase. For enhanced riders and original riders with contracts purchased on or after 4/29/2005 and if approved in your state, the step-up and new fee will be effective on the date we receive your request for the step-up (Step-up date). For original riders with contracts purchased before 4/29/2005, the step-up will be effective as of your contract anniversary and the fee for your rider will be the fee that was in effect for your current fund on the anniversary. For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step-up or to transfer funds to lock in any available contract gains, the following will apply:

1.	the duration of your window is determined on a calendar day basis;
2.	under our current administrative process we will accept your request on the 31st calendar day if we receive it prior to the close of the NYSE; and
3.	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

Under the enhanced rider, each year, we will continue to provide you written notice of your options with respect to elective step-ups and the fee increase until you are no longer subject to a fee increase. Once you have taken action that results in a higher fee, you will become eligible for automatic step-ups under the rider.

Before you elect a step-up resulting in an increased rider fee, you should carefully consider the benefit of the contract value gains you are locking-in and the increased rider fee compared to your other options including whether it is appropriate to consider moving to a fund with a lower corresponding rider fee.

Subject to the terms of your contract, we reserve the right to further increase the rider fee up to the maximum limit provided by your rider. Currently, the rider fee does not vary among the Portfolio Stabilizer funds, but we reserve the right to vary the fees among the Portfolio Stabilizer funds in the future.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 37

If you choose the elective step-up, the elective spousal continuation step-up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the effective date of your step-up or investment option change. On the next contract anniversary, we will calculate an average fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after the annuitization start date.

For an example of how your fee will vary upon elective step-up or spousal continuation step-up, please see Appendix D.

ROPP Rider Fee

We charge a fee for this optional feature only if you select it.⁽¹⁾If selected, we deduct an annual charge of 0.20% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.30%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are age 75 or younger on the contract effective date at no additional cost.

MAV Rider Fee

We charge a fee for this optional feature only if you select it.⁽²⁾If selected, we deduct an annual charge of 0.25% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.35%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽²⁾	Available if you are 75 or younger at the rider effective date. Not available with 5-Year MAV.

5-Year MAV Rider Fee

We charge a fee for this optional feature only if you select it.⁽³⁾If selected, we deduct an annual charge of 0.10% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.20%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽³⁾	Available if you are 75 or younger at the rider effective date. Not available with MAV.

EEB Rider Fee

We charge a fee for this optional feature only if you select it.⁽⁴⁾If selected, we deduct an annual charge of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.40%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽⁴⁾	Available if you are 75 or younger at the rider effective date. Not available with EEP. May not be available in all states.

38 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

EEP Rider Fee

We charge a fee for this optional feature only if you select it.⁽⁵⁾If selected, we deduct an annual charge of 0.40% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available in the fixed account and the subaccounts. In this case, we prorate the charge among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.50%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽⁵⁾	Available if you are 75 or younger at the rider effective date. Not available with EEB. May not be available in all states. EEP is only available on contracts purchased through a direct transfer or exchange of another annuity or a life insurance policy.

Rider Combination Discount

A fee discount of 0.05% applies if you purchase 5-Year MAV with either EEB or EEP. A fee discount of 0.10% applies if you purchase MAV with either EEB or EEP.

PN Rider Fee

Fund Fees and Expenses

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds.

Premium Taxes

Certain state and local governments impose premium taxes on us (up to 3.5%). These taxes depend upon your state of residence or the state in which the contract was issued. Currently, we deduct any applicable premium tax when annuity payouts begin, but we reserve the right to deduct this tax at other times such as when you make purchase payments or when you make a full surrender from your contract.

Valuing Your Investment

We value your accounts as follows:

GPA

We value the amounts you allocate to the GPA directly in dollars. The GPA value equals:

•	the sum of your purchase payments and purchase payment credits allocated to the GPA;
•	plus any amounts transferred to the GPA from the fixed account or subaccounts;
•	plus interest credited;
•	minus any amounts transferred from the GPA to the fixed account or any subaccount;
•	minus any amounts deducted for charges or surrenders; and/or
•	minus any remaining portion of fees where the values of the fixed account and the subaccounts are insufficient to cover those fees.

The Fixed Account

We value the amounts you allocate to the fixed account directly in dollars. The fixed account value equals:

•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the fixed account;
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out (including any positive or negative MVA on amounts transferred from the GPAs);
•	minus any prorated portion of the contract administrative charge;
•	minus any prorated portion of the ROPP rider fee (if selected);
•	minus any prorated portion of the MAV rider fee (if selected);

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 39

•	minus any prorated portion of the 5-Year MAV rider fee (if selected);
•	minus any prorated portion of the EEB rider fee (if selected);
•	minus any prorated portion of the EEP rider fee (if selected);
•	minus any prorated portion of the Accumulation Benefit rider fee (if selected)*; and
•	minus any prorated portion of the Withdrawal Benefit rider fee (if selected)*.

*	The fee can only be deducted from the subaccounts in Washington.

The Special DCA Account

We value the amounts you allocate to the Special DCA account directly in dollars. The Special DCA account value equals:

•	the sum of your purchase payments and purchase payment credits allocated to the Special DCA account;
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges);
•	minus amounts transferred out; and
•	minus any remaining portion of fees where the values of the fixed account and the subaccounts are insufficient to cover those fees.

Subaccounts

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge, a surrender charge or charge for any optional riders with annual charges (if applicable).

Number of units: to calculate the number of accumulation units for a particular subaccount we divide your investment by the current accumulation unit value.

Accumulation unit value: the current accumulation unit value for each subaccount equals the last value times the subaccount’s current net investment factor.

We determine the net investment factor by:

•	adding the fund’s current net asset value per share, plus the per share amount of any accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then
•	dividing that sum by the previous adjusted net asset value per share; and
•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:

•	additional purchase payments you allocate to the subaccounts;
•	any purchase payment credits allocated to the subaccounts;
•	transfers into or out of the subaccounts (including any positive or negative MVA on amounts transferred from the GPAs);
•	partial surrenders;
•	surrender charges;

and a deduction of:

•	a prorated portion of the contract administrative charge;
•	a prorated portion of the ROPP rider charge (if selected);
•	a prorated portion of the MAV rider charge (if selected);

40 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Making the Most of Your Contract

Automated Dollar-Cost Averaging

Currently, you can use automated transfers to take advantage of dollar-cost averaging (investing a fixed amount at regular intervals). Automated transfers from the fixed account to the subaccounts under automated dollar-cost averaging may not exceed an amount that, if continued, would deplete the fixed account within 12 months. For example, you might transfer a set amount monthly from a relatively conservative subaccount to a more aggressive one, or to several others, or from the fixed account to one or more subaccounts. You may not set up an automated transfer to or from the GPAs. You may not set up an automated transfer to the fixed account or the Special DCA account. You may not set up an automated transfer if the Withdrawal Benefit, Accumulation Benefit or PN program is in effect. There is no charge for dollar-cost averaging.

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works

By investing an equal number of dollars each month		Month	Amount invested	Accumulation unit value	Number of units purchased
		Jan	$ 100	$ 20	5.00
		Feb	100	18	5.56
you automatically buy more units when the per unit market price is low		Mar	100	17	5.88
	→	Apr	100	15	6.67
		May	100	16	6.25
		June	100	18	5.56
		July	100	17	5.88
and fewer units when the per unit market price is high.		Aug	100	19	5.26
and fewer units when the per unit market price is high.	→	Sept	100	21	4.76
		Oct	100	20	5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

Special Dollar-Cost Averaging (Special DCA) Program

If your purchase payment is at least $10,000, you can choose to participate in the Special DCA program (if available). There is no charge for the Special DCA program. Under the Special DCA program, you can allocate a new purchase payment and any applicable purchase payment credit to a six-month Special DCA account according to the following rules:

•	You may only allocate a new purchase payment of at least $10,000 to a Special DCA account.
•	You cannot transfer existing contract values into a Special DCA account.
•	Each Special DCA arrangement consists of six monthly transfers that begin seven days after we receive your purchase payment.
•	We make monthly transfers of your Special DCA account value into the subaccounts you select.
•	You may not use the fixed account, GPA account, or the Special DCA account as a destination for the Special DCA monthly transfer. (Exception: if the PN program is in effect and the PN program model portfolio you have selected, if applicable, includes the fixed account, amounts will be transferred from the Special DCA account to the fixed account according to the allocation percentage established for the PN program model portfolio you have selected.)
•	We will change the interest rate on each Special DCA account from time to time at our discretion based on factors that include the competition and the interest rate we are crediting to the fixed account at the time of the change. From time to time, we may credit interest to the Special DCA account at promotional rates that are higher than those we credit to the regular fixed account.

42 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

•	We credit each Special DCA account with the current guaranteed annual rate that is in effect on the date we receive your purchase payment. However, we credit this annual rate over the length of the Special DCA arrangement on the balance remaining in your Special DCA account. Therefore, the net effective interest rate you receive is less than the stated annual rate.
•	We do not credit this interest after we transfer the value out of the Special DCA account into the accounts you selected.
•	Once you establish a Special DCA account, you cannot allocate additional purchase payments to it. However, you may establish another new Special DCA account (if available on the valuation date we receive your payment) and allocate new purchase payments to it.
•	Funding from multiple sources is treated as individual purchase payments and a new Special DCA account is opened for each payment (if the Special DCA accounts are available on the valuation date we receive your payment).
•	You may terminate your participation in the Special DCA program at any time. If you do, we will transfer the remaining balance from your Special DCA account to the fixed account. Interest will be credited according to the rates in effect on the fixed account and not the rate that was in effect on the Special DCA account. (Exception: if the PN program is in effect when you elect to end your participation in the Special DCA program, we will transfer the remaining balance to the PN program investment option you have selected).
•	We can modify the terms or discontinue the Special DCA program at any time. Any modifications will not affect any purchase payments that are already in a Special DCA account. For more information on the Special DCA program, contact your financial advisor.

The Special DCA program does not guarantee that any subaccount will gain in value nor will it protect against a decline in value if market prices fall. Because dollar-cost averaging involves continuous investing, your success will depend upon your willingness to continue to invest regularly through periods of low price levels. Dollar-cost averaging can be an effective way to help meet your long-term goals.

Asset Rebalancing

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semi-annually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be more than one digit past the decimal numbers. Asset rebalancing does not apply to the GPAs, fixed account or the Special DCA account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

Different rules apply to asset rebalancing under an asset allocation program (see “Asset Allocation Program” and “Portfolio Navigator Program and Portfolio Stabilizer Funds” below).

Asset Allocation Program

(For contracts purchased prior to Nov. 1, 2005)

For contracts purchased before Nov. 1, 2005, we offered an asset allocation program. You could elect to participate in the asset allocation program and there was no additional charge. If you purchased an optional Withdrawal Benefit rider, you were required to participate in the asset allocation program under the terms of the rider. The asset allocation program described in this section has been replaced with the PN program for all contracts. The following describes the program that existed prior to Nov. 1, 2005.

This asset allocation program allows you to allocate your contract value to a model portfolio that consists of subaccounts and may include the fixed account and certain GPAs, (if available under the asset allocation program) which represent various asset classes. By spreading your contract value among these various asset classes, you may be able to reduce the volatility in your contract value, but there is no guarantee that this will occur.

Asset allocation does not guarantee that your contract will increase in value nor will it protect against a decline in value if market prices fall. You are responsible for determining which model portfolio is best for you. Your sales representative can help you make this determination. In addition, your financial advisor may provide you with a questionnaire, a tool that can help you determine which model portfolio is suited to your needs based on factors such as your investment goals, your tolerance for risk, and how long you intend to invest.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 43

Currently, there are five model portfolios ranging from conservative to aggressive. You may not use more than one model portfolio at a time. You are allowed to request a change to another model portfolio twice per contract year. Each model portfolio specifies allocation percentages to each of the subaccounts, the fixed account and/or any GPAs that make up that model portfolio. By participating in the program, you authorize us to invest your contract value in the subaccounts, the fixed account and/or any GPAs (if included) according to the allocation percentages stated for the specific model portfolio you have selected. You also authorize us to automatically rebalance your contract value quarterly in order to maintain alignment with the allocation percentages specified in the model portfolio.

Special rules will apply to the GPAs if they are included in a model portfolio. Under these rules:

•	no MVA will apply when rebalancing occurs within a specific model portfolio (but an MVA will apply if you elect to transfer to a new model portfolio);
•	no MVA will apply if you reallocate your contract value according to an updated model portfolio; and
•	no MVA will apply when you elect an annuity payout plan while your contract value is invested in a model portfolio (see “Guarantee Period Accounts — Market Value Adjustment”).

If you initially allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA account, when available, (see “The Special DCA Account”) and you are participating in the asset allocation program, we will make monthly transfers from the Special DCA account into the model portfolio you have chosen.

You may not discontinue your participation in the asset allocation program; however, you have the right at all times to make a full surrender of your contract value (see “Surrenders”).

Because the Withdrawal Benefit rider requires that your contract value be invested in one of the model portfolios for the life of the contract, and you cannot terminate the Withdrawal Benefit rider once you have selected it, you must terminate your contract by requesting a full surrender if you no longer wish to participate in any of the model portfolios. Surrender charges and tax penalties may apply. Therefore, you should not select the Withdrawal Benefit rider if you do not intend to continue participating in one of the model portfolios for the life of the contract.

Under the asset allocation program, the subaccounts, the fixed account and/or any GPAs (if included) that make up the model portfolio you selected and the allocation percentages to those subaccounts, the fixed account and/or any GPAs (if included) will not change unless we adjust the composition of the model portfolio to reflect the liquidation, substitution or merger of an underlying fund, a change of investment objective by an underlying fund or when an underlying fund stops selling its shares to the variable account. We reserve the right to change the terms and conditions of the asset allocation program upon written notice to you.

If permitted under applicable securities law, we reserve the right to:

•	reallocate your current model portfolio to an updated version of your current model portfolio; or
•	substitute a fund of funds for your current model portfolio.

We also reserve the right to discontinue the asset allocation program. We will give you 30 days’ written notice of any such change.

Portfolio Navigator Program (PN Program) and Portfolio Stabilizer Funds

PN Program. You are required to participate in the PN program if your contract includes optional living benefit riders. Under the PN program your contract value is allocated to a PN program investment option. The PN program investment options are currently five funds of funds, each of which invests in underlying funds in proportions that vary among the funds of funds in light of each fund of funds’ investment objective (“Portfolio Navigator funds”).

The PN program is available for both nonqualified and qualified annuities. The PN program also allows those who participated in a previous version of the PN program and who previously opted out of the transfer of their contract value to Portfolio Navigator funds to remain invested in accordance with a “static” PN program model portfolio investment option that is not subject to updating or reallocation. For more information on the static model portfolios, see “The static model portfolios” below.

The Portfolio Navigator funds. We offer the following Portfolio Navigator funds:

1.	Variable Portfolio – Aggressive Portfolio
2.	Variable Portfolio – Moderately Aggressive Portfolio
3.	Variable Portfolio – Moderate Portfolio
4.	Variable Portfolio – Moderately Conservative Portfolio
5.	Variable Portfolio – Conservative Portfolio

Each Portfolio Navigator fund is a fund of funds with the investment objective of seeking a high level of total return consistent with a certain level of risk, which it seeks to achieve by investing in various underlying funds. For additional information about the Portfolio Navigator funds’ investment strategies, see the Funds’ prospectus.

44 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

If your contract does not include one of the living benefit riders, you may not participate in the PN program, but you may choose to allocate your contract value to one or more of the Portfolio Navigator funds.

The Portfolio Stabilizer funds. The following Portfolio Stabilizer funds currently available are:

1. Variable Portfolio – Managed Risk Fund (Class 2)⁽¹⁾

2. Variable Portfolio – Managed Risk U.S. Fund (Class 2) ⁽¹⁾

3. Variable Portfolio – Managed Volatility Growth Fund (Class 2)

4. Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2)

5. Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)

6. Variable Portfolio – Managed Volatility Conservative Fund (Class 2)

7. Variable Portfolio – U.S. Flexible Growth Fund (Class 2) ⁽¹⁾

8. Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2)⁽¹⁾

9. Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2)⁽¹⁾

⁽¹⁾ Available on or after Sept. 18, 2017.

Each Portfolio Stabilizer fund has an investment objective of pursuing total return while seeking to manage the Fund’s exposure to equity market volatility. For additional information about the Portfolio Stabilizer funds’ investment strategies, see the Funds’ prospectuses.

You may choose to remain invested in your current Portfolio Navigator fund, move to a different Portfolio Navigator fund, or move to a Portfolio Stabilizer fund. Your decision should be made based on your own individual investment objectives and financial situation, and in consultation with your financial adviser.

Please note that if you are currently invested in a Portfolio Navigator fund as part of the PN program and choose to reallocate your contract value to a Portfolio Stabilizer fund, you will no longer have access to any of the Portfolio Navigator funds, but you may change to any one of the other Portfolio Stabilizer funds, subject to the transfer limits applicable to your rider.

If your contract does not include living benefit riders, you may not participate in the PN program, but you may choose to allocate your contract value to one or more of the Portfolio Navigator funds. Beginning May 1, 2015, you may also choose to allocate your contract value to one or more of the Portfolio Stabilizer funds.

You should review any PN program, Portfolio Navigator and Portfolio Stabilizer funds information, including Funds’ prospectuses, carefully. Your financial advisor can provide you with additional information and can answer questions you may have on the PN program, Portfolio Navigator and Portfolio Stabilizer funds.

PN Program static model portfolios. If you have chosen to remain invested in a “static” PN program model portfolio, your assets will remain invested in accordance with your current model portfolio, and you will not be provided with any updates to the model portfolio or reallocation recommendations. (The last such reallocation recommendation was provided in 2009.) Each model portfolio consists of underlying funds and/or any GPAs (if included) in accordance with the allocation percentages stated for the model portfolio. By participating in the PN program through a model portfolio, you have instructed us to automatically rebalance your contract value quarterly in order to maintain alignment with these allocation percentages.

Special rules apply to the GPAs if they are included in a model portfolio. Under these rules:

•	no MVA will apply when rebalancing occurs within a specific model portfolio (but an MVA may apply if you elect to transfer to a fund of funds);
•	no MVA will apply when you elect an annuity payout plan while your contract value is invested in a model portfolio. (See “Guarantee Period Accounts — Market Value Adjustment.”)

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risk profiles ranging from conservative to aggressive in relation to one another. There are nine Portfolio Stabilizer funds currently available. If your contract includes a living benefit rider you may only invest in one Portfolio Navigator fund at a time. If your contract includes a living benefit rider and you invest in Portfolio Stabilizer fund, effective Sept. 18, 2017, you may invest in more than one Portfolio Stabilizer fund at a time. Your financial advisor can help you determine which investment option most closely matches your investing style, based on factors such as your investment goals, your tolerance for risk and how long you intend to invest. There is no guarantee that the investment option you select is appropriate for you based on your investment objectives and/or risk profile. We and Columbia Management are not responsible for your decision to select a certain investment option or your decision to transfer to a different investment option.

If you initially allocate qualifying purchase payments to the Special DCA fixed account, when available (see “The Special DCA Fixed Account”), and you are invested in one of the Portfolio Stabilizer or Portfolio Navigator funds, we will make monthly transfers in accordance with your instructions from the Special DCA fixed account, into the investment option or model portfolio you have chosen.

Before you decide to transfer contract value to one of the Portfolio Stabilizer funds, you and your financial advisor should carefully consider the following:

•	Whether the Portfolio Stabilizer fund meets your personal investment objectives and/or risk tolerance.
•	Whether you would like to continue to invest in a Portfolio Navigator fund. If you decide to transfer your contract value to a Portfolio Stabilizer fund, you permanently lose your ability to invest in any of the Portfolio Navigator funds if you have a living benefit rider. If you decide to no longer invest your contract value in the Portfolio Stabilizer funds, your only option will be to terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.
•	Whether the total expenses associated with an investment in a Portfolio Stabilizer fund is appropriate for you. For total expenses associated with the rider, you should consider not only the variation of the rider fee, but also the variation in fees among the various funds. You should also consider your overall investment objective, as well as how total fees and your selected fund’s investment objective may impact the amount of any step up opportunities in the future.

If your contract includes a living benefit rider, you may request a change to your Fund selection up to four times per contract year by written request on an authorized form or by another method agreed to by us. If you make such a change, we may charge you a higher fee for your rider. However, an initial transfer from a Portfolio Navigator fund to a Portfolio Stabilizer fund will not count toward the limit of four transfers per year. If you decide to annuitize your contract, your rider will terminate and you will no longer have access to the Portfolio Stabilizer funds.

Substitution and modification. We reserve the right to add, remove or substitute Funds. We also reserve the right, upon notification to you, to close or restrict any Fund. Any change will apply to current allocations and/or to future payments and transfers. If your living benefit rider is terminated, you may remain invested in the Portfolio Stabilizer funds, but you will not be allowed to allocate future purchase payments or make transfers to these funds. Any substitution of Funds may be subject to SEC or state insurance departments approval.

We reserve the right to change the terms and conditions of the PN program or to change the availability of the investment options upon written notice to you. This includes but is not limited to the right to:

•	limit your choice of investment options based on the amount of your initial purchase payment;
•	cancel required participation in the program after 30 days written notice;
•	substitute a fund of funds for your model portfolio, if applicable, if permitted under applicable securities law; and
•	discontinue the PN program after 30 days written notice.

Risks associated with the Funds. An investment in a Fund involves risk. Principal risks associated with an investment in a Fund may be found in the relevant Fund’s prospectus. There is no assurance that the Funds will achieve their respective investment objectives. In addition, there is no guarantee that the Fund’s strategy will have its intended effect or that it will work as effectively as is intended.

Investing in the Funds does not guarantee that your contract will increase in value nor will it protect in a decline in value if market prices fall. Depending on future market conditions and considering only the potential return on your investment in the Fund, you might benefit (or benefit more) from selecting alternative investment options.

For more information and a list of the risks associated with investing in the Funds, including volatility and volatility management risk associated with Portfolio Stabilizer funds, please consult the applicable Funds’ prospectuses and “The Variable Account and the Funds – Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management” section in this prospectus.

46 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Conflicts of interest. In providing investment advisory services for the Funds and the underlying funds in which those Funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions.

For additional information regarding the conflicts of interest to which Columbia Management may be subject, see the Funds’ prospectuses and “The Variable Account and the Funds – Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management” section in this prospectus.

Living benefit riders requiring participation in the PN program or investing in the Portfolio Stabilizer funds:

•

Accumulation Benefit rider: You cannot terminate the Accumulation Benefit rider. As long as the Accumulation Benefit rider is in effect, your contract value must be invested in one of the PN program investment options or in the Portfolio Stabilizer funds. The Accumulation Benefit rider automatically ends at the end of the waiting period and you then have the option to cancel your participation in the PN program. At all other times, if you do not want to invest in any of the PN program investment options or the Portfolio Stabilizer funds, you must terminate your contract by requesting a full surrender. Surrender charges and tax penalties may apply.

•

Withdrawal Benefit rider: The Withdrawal Benefit rider requires that your contract value be invested in one of the PN program investment options or in the Portfolio Stabilizer funds for the life of the contract. Subject to state restrictions, we reserve the right to limit the number of investment options from which you can select based on the dollar amount of purchase payments you make. Because you cannot terminate the Withdrawal Benefit rider once you have selected it, you must terminate your contract by requesting a full surrender if you do not want to invest in any of the PN program investment options or the Portfolio Stabilizer funds. Surrender charges and tax penalties may apply.

Transferring Among Accounts

The transfer rights discussed in this section do not apply if you have selected one of the optional living benefit riders.

You may transfer contract value from any one subaccount, GPAs or the fixed account, to another subaccount before annuity payouts begin. Certain restrictions apply to transfers involving the GPAs and the fixed account.

The date your request to transfer will be processed depends on when and how we receive it:

For transfer requests received in writing:

•	If we receive your transfer request at our Service Center in good order before the close of business, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.
•	If we receive your transfer request at our Service Center in good order at or after the close of business, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

For transfer requests received by phone:

•	If we receive your transfer request at our Service Center in good order before the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the valuation date we received your transfer request.
•	If we receive your transfer request at our Service Center in good order at or after the close of the NYSE, we will process your transfer using the accumulation unit value we calculate on the next valuation date after we received your transfer request.

There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments. Transfers out of the GPAs will be subject to an MVA if done more than 30 days before the end of the guarantee period.

Subject to state regulatory requirements, we may suspend or modify transfer privileges at any time.

For information on transfers after annuity payouts begin, see “Transfer policies” below.

Transfer policies

•

Before annuity payouts begin, you may transfer contract values between the subaccounts, or from the subaccounts to the GPAs and fixed account at any time. The amount transferred to any GPA must be at least $1,000. However, if you made a transfer from the fixed account to the subaccounts or the GPAs, you may not make a transfer from any subaccount or GPA back to the fixed account until the next contract anniversary. We have reserved the right to limit transfers to the regular fixed account if the interest rate we are then currently crediting to the regular fixed account is equal to the minimum interest rate stated in the contract. Effective on April 6, 2020⁽¹⁾, if the fixed account minimum interest rate stated in your contract is 3%, transfers to the fixed account (if allowed under your contract), are limited so the amount of contract value transferred to the fixed account cannot result in the value of the fixed account being greater than 20% of the contract value. If the fixed account is currently 20% or more of the contract value, we will not

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 47

accept any transfers to the fixed account. If the fixed account is 20% or more of the contract value, you will not be required to transfer out of the fixed account. Additional transfers into the fixed account will not be allowed unless the value of the fixed account drops to less than 20% of the contract value.

⁽¹⁾	This restriction does not apply to contracts issued in Massachusetts.

•	You may transfer contract values from the fixed account to the subaccounts or the GPAs once a year during a 31-day transfer period starting on each contract anniversary (except for automated transfers, which can be set up at any time for certain transfer periods subject to certain minimums). Transfers from the fixed account are not subject to an MVA.
	Currently, transfers out of the fixed account are limited to the greater of: a) 30% of the fixed account value at the beginning of the contract year, or b) the amount transferred out of the fixed account in the previous contract year, excluding any automated transfer amounts. Because of this limitation, it may take you several years to transfer all your contract value from the fixed account. You should carefully consider whether the fixed account meets your investment criteria before you invest. If an automated dollar-cost averaging arrangement is established at contract issue, the 30% limitation does not apply to transfers made from the fixed account to the subaccounts for the duration of this initial arrangement.
•	You may transfer contract values from any GPA to the subaccounts, fixed account or other GPA any time after 60 days of transfer or payment allocation into such GPA. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies (see “The Guarantee Period Accounts (GPAs) — Market Value Adjustment (MVA)”).
•	If we receive your request within 30 days before the contract anniversary date, the transfer from the fixed account to the subaccounts will be effective on the anniversary.
•	If we receive your request on or within 30 days after the contract anniversary date, the transfer from the fixed account to the subaccounts or GPAs will be effective on the valuation date we receive it.
•	We will not accept requests for transfers from the fixed account at any other time.
•	You may not make a transfer to the Special DCA account.
•	Once annuity payouts begin, you may not make transfers to or from the GPAs or the fixed account, but you may make transfers once per contract year among the subaccounts. During the annuity payout period, you cannot invest in more than five subaccounts at any one time unless we agree otherwise. When annuity payments begin, you must transfer all contract value out of any GPAs and Special DCAs.

Market Timing

Market timing may hurt the performance of an underlying fund in which a subaccount invests in several ways, including but not necessarily limited to:

•	diluting the value of an investment in an underlying fund in which a subaccount invests;
•	increasing the transaction costs and expenses of an underlying fund in which a subaccount invests; and
•	preventing the investment adviser(s) of an underlying fund in which a subaccount invests from fully investing the assets of the fund in accordance with the fund’s investment objectives.

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•	requiring transfer requests to be submitted only by first-class U.S. mail;
•	not accepting hand-delivered transfer requests or requests made by overnight mail;
•	not accepting telephone or electronic transfer requests;
•	requiring a minimum time period between each transfer;
•	not accepting transfer requests of an agent acting under power of attorney;
•	limiting the dollar amount that you may transfer at any one time;
•	suspending the transfer privilege; or
•	modifying instructions under an automated transfer program to exclude a restricted fund if you do not provide new instructions.

•	Each fund may restrict or refuse trading activity that the fund determines, in its sole discretion, represents market timing.

•

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•

How to Request a Transfer or Surrender

11 By letter

Send your name, contract number, Social Security Number or Taxpayer Identification Number* and signed request for a transfer or surrender to:

RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers or surrenders:	Contract value or entire account balance

*	Failure to provide your Social Security Number or Taxpayer Identification Number may result in mandatory tax withholding on the taxable portion of the distribution.

22 By automated transfers and automated partial surrenders

Your financial advisor can help you set up automated transfers or partial surrenders among your subaccounts or fixed account (if available).

You can start or stop this service by written request or other method acceptable to us. You must allow 30 days for us to change any instructions that are currently in place.

•	Automated transfers to the GPAs, the fixed account or the Special DCA account are not allowed.
•	Automated transfers from the fixed account to the subaccounts under an automated dollar-cost averaging arrangement may not exceed an amount that, if continued, would deplete the fixed account within 12 months.
•	Automated surrenders may be restricted by applicable law under some contracts.
•	You may not make additional systematic payments if automated partial surrenders are in effect.
•	Automated partial surrenders may result in income taxes and penalties on all or part of the amount surrendered.
•	The balance in any account from which you make an automated transfer or automated partial surrender must be sufficient to satisfy your instructions. If not, we will suspend your entire automated arrangement until the balance is adequate.
•	If we must suspend your automated transfer or automated partial surrender arrangement for six months, we reserve the right to discontinue the arrangement in its entirety.
•	If the PN program is in effect, you are not allowed to set up automated transfers except in connection with a Special DCA account.
•	If you have Withdrawal Benefit rider, you may set up automated partial surrenders up to the benefit amount available for withdrawal under the rider.

Minimum amount
Transfers or surrenders:	$50

Maximum amount
Transfers or surrenders:	None (except for automated transfers from the fixed account)

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33 By telephone

Call:
1-800-862-7919

Minimum amount
Transfers or surrenders:	$250 or entire account balance

Maximum amount
Transfers:	Contract value or entire account balance
Surrenders:	$100,000

We answer telephone requests promptly, but you may experience delays when the call volume is unusually high. If you are unable to get through, use the mail procedure as an alternative.

We will honor any telephone transfer or surrender requests that we believe are authentic and we will use reasonable procedures to confirm that they are. This includes asking identifying questions and recording calls. As long as we follow the procedures, we (and our affiliates) will not be liable for any loss resulting from fraudulent requests.

Telephone transfers or surrenders are automatically available. You may request that telephone transfers or surrenders not be authorized from your account by writing to us.

Surrenders

You may surrender all or part of your contract at any time before the settlement date by sending us a written request or calling us.

The date your surrender request will be processed depends on when and how we receive it:

For surrender requests received in writing:

•	If we receive your surrender request at our Service Center in good order before the close of business, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of business, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

For surrender requests received by phone:

•	If we receive your surrender request at our Service Center in good order before the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request.
•	If we receive your surrender request at our Service Center in good order at or after the close of the NYSE, we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges (see “Charges”). Federal income taxes and penalties as well as state and local income taxes may apply (see “Taxes”). You cannot take surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period – Annuity Payout Plans”).

Any partial surrender you take under the contract will reduce your contract value. As a result, the value of your death benefit or any optional benefits you have elected also will be reduced. If you have elected the Withdrawal Benefit rider and your partial surrenders in any contract year exceed the permitted surrender amount under the terms of the Withdrawal Benefit rider, your benefits under the rider may be reduced (see “Optional Benefits — Guaranteed Minimum Withdrawal Benefit”). Any partial surrender request that exceeds the amount allowed under the riders and impacts the guarantees provided, will not be considered in good order until we receive a signed Benefit Impact Acknowledgement form showing the projected effect of the surrender on the rider benefits or a verbal acknowledgement that you understand and accept the impacts that have been explained to you. In addition, surrenders you are required to take to satisfy the RMDs under the Code may reduce the value of certain death benefits and optional benefits (see “Taxes – Qualified Annuities – Required Minimum Distributions”).

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Surrender Policies

If you have a balance in more than one account and you request a partial surrender, we will withdraw money from all your subaccounts and/or the fixed account, in the same proportion as your value in each account correlates to your total contract value, less any GPA or Special DCA account, unless you request otherwise. We will not withdraw money for a partial surrender from any GPAs or Special DCA account you may have, unless insufficient amounts are available from your subaccounts and/or fixed account . However, you may request specifically surrender from a GPA or Special DCA account. The minimum contract value after partial surrender is $600.

Receiving Payment

11 By regular or express mail

•	payable to you;
•	mailed to address of record.

NOTE: We will charge you a fee if you request express mail delivery.

22 By wire or other form of electronic payment

•	request that payment be wired to your bank;
•	pre-authorization required.

NOTE: We will charge you a fee if you request that payment be wired to your bank. For instructions, please contact your financial advisor.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

– the NYSE is closed, except for normal holiday and weekend closings;

– trading on the NYSE is restricted, according to SEC rules;

– an emergency, as defined by SEC rules, makes it impractical to sell securities or value the net assets of the accounts; or

– the SEC permits us to delay payment for the protection of security holders.

We may also postpone payment of the amount attributable to a purchase payment as part of the total surrender amount until cleared from the originating financial institution.

A Special Note on Cybersecurity Risks

Cybersecurity and Systems Integrity

This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:

•	the corruption or destruction of data;
•	theft, misuse or dissemination of data to the public, including your information we hold; and
•	denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.

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TSA — Special Provisions

Participants in Tax-Sheltered Annuities

In the event we have a written agreement with your employer to administer the plan pursuant to ERISA, special rules apply as set forth in the TSA endorsement.

The Code imposes certain restrictions on your right to receive early distributions from a TSA:

•	Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:

–	you are at least age 59½;
–	you are disabled as defined in the Code;
–	you severed employment with the employer who purchased the contract;
–	the distribution is because of your death;
–	the distribution is due to plan termination; or
–	you are a qualifying military reservist.

•	If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.
•	Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).
•	The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.
•	If the contract has a loan provision, the right to receive a loan is described in detail in your contract. Loans will not be available if you have selected the Withdrawal Benefit or Accumulation Benefit rider.

Changing Ownership

You may change ownership of your nonqualified annuity at any time by completing a change of ownership form we approve and sending it to our Service Center. If you are a natural person and you own a nonqualified annuity, you may change the annuitant or successor annuitant if the request is made before annuity payments begin and while the existing annuitant is living. The change will become binding on us when we receive and record it. We will honor any change of ownership request received in good order that we believe is authentic and we will use reasonable procedures to confirm authenticity. If we follow these procedures, we will not take any responsibility for the validity of the change.

Please consider carefully whether or not you wish to change ownership of your nonqualified annuity if you have elected the ROPP, MAV, 5-Year MAV, EEB, EEP, Accumulation Benefit or Withdrawal Benefit. If you change ownership of your contract, we will terminate the ROPP and EEP. This includes both the EEP Part I benefits and the EEP Part II benefits. (See the description of these terms in “Optional Benefits”.) In addition, the terms of the EEB, MAV and the 5-Year MAV will change due to a change of ownership. If the new owner is older than age 75, the EEB will terminate. Otherwise, the EEB will effectively “start over.” We will treat the EEB as if it is issued on the day the change of ownership is made, using the attained age of the new owner as the “issue age” to determine the benefit levels. The account value on the date of the ownership change will be treated as a “purchase payment” in determining future values of “earnings at death” under the EEB. If the new owner is older than age 75, the MAV and 5-Year MAV will terminate. If the MAV or the 5-Year MAV on the date of ownership change is greater than the account value on the date of the ownership change, we will set the MAV or the 5-Year MAV equal to the account value. Otherwise, the MAV or the 5-Year MAV value will not change due to a change in ownership. The Accumulation Benefit rider and the Withdrawal Benefit rider will continue upon change of ownership. Please see the descriptions of these riders in “Optional Benefits.”

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 53

If you have a nonqualified annuity, you may incur income tax liability by transferring, assigning or pledging any part of it. (See “Taxes.”)

If you have a qualified annuity, you may not sell, assign, transfer, discount or pledge your contract as collateral for a loan, or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code. However, if the owner is a trust or custodian, or an employer acting in similar capacity, ownership of the contract may be transferred to the annuitant.

Benefits in Case of Death — Standard Death Benefit

We will pay the death benefit to your beneficiary upon your death if you die before the settlement date while this contract is in force. If a contract has more than one person as the owner, we will pay benefits upon the first to die of any owner.

If you are age 75 or younger on the date we issue the contract, the beneficiary receives the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

If you are age 76 or older on the date we issue the contract, the beneficiary receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges.

Adjusted partial surrenders	=	PS × DB
		CV

PS	=	the partial surrender including any applicable surrender charge.
DB	=	the death benefit on the date of (but prior to) the partial surrender.
CV	=	the contract value on the date of (but prior to) the partial surrender.

Example of standard death benefit calculation when you are age 75 or younger on the contract effective date:

•	You purchase the contract with a payment of $20,000.
•	During the second contract year the contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.

We calculate the death benefit as follows:
The total purchase payments minus adjustments for partial surrenders:
Total purchase payments			$20,000
minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000	=	–1,667
	$18,000
	for a death benefit of:		$ 18,333

If You Die Before Your Settlement Date

When paying the beneficiary, we will process the death claim on the valuation date that our death claim requirements are fulfilled. We will determine the contract’s value using the accumulation unit value we calculate on that valuation date. The death benefit will never be less than the surrender value adjusted by the MVA formula. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled.

Nonqualified annuities

If your spouse is sole beneficiary and you die before the settlement date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid. To do this your spouse must give us written instructions to continue the contract as owner. If your spouse elects to continue the contract as owner, the following describes the standard death benefit:

•	If your spouse was age 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

54 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

If your spouse was age 76 or older as of the date we issued the contract, the beneficiary of your spouse’s contract receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges.

If you elected any optional contract features or riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•	the beneficiary elects in writing, and payouts begin, no later than one year after your death, or other date as permitted by the IRS; and
•	the payout period does not extend beyond the beneficiary’s life or life expectancy.

Qualified annuities

•

Spouse beneficiary: If you have not elected an annuity payout plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his/her own, so long as he/she is eligible to do so, with the contract value equal to the death benefit that would otherwise have been paid or elect an annuity payout plan or another plan agreed to by us. If your spouse elects a payout plan, the payouts must begin no later than the year in which you would have reached age 72 (age 70 ½ if the death occurred before Jan. 1, 2020). If you attained age 72 at the time of death, payouts must begin no later than Dec. 31 of the year following the year of your death.

If your spouse elects to continue the contract as owner, the following describes the standard death benefit:

•	If your spouse was age 75 or younger as of the date we issued the contract, the beneficiary of your spouse’s contract receives the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

If you elected any optional contract features or riders, your spouse and the new annuitant (if applicable) will be subject to all limitations and/or restrictions of those features or riders just as if they were purchasing a new contract. If your spouse is the sole beneficiary and elects to treat the contract as his/her own as an inherited IRA, the guaranteed minimum withdrawal benefit rider will terminate.

We will not waive surrender charges on contracts continued under the spousal continuation provision.

•

•	the surviving spouse;
•	a lawful child of the owner under the age of majority (remaining amount must be withdrawn within 10 years, once the child reaches the age of majority);
•	disabled within the meaning of Code section 72(m)(7);
•	chronically ill within the meaning of Code section 7702B(c)(2);
•	any other person who is not more than 10 years younger than the owner.

However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA.

We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under a payout plan available under this contract and:

•	the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and

•	the payout period does not extend beyond the beneficiary’s life or life expectancy for an eligible designated beneficiary. (Payout plans are limited if the beneficiary is not an eligible designated beneficiary.)

•

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How we handle contracts under unclaimed property laws

Optional Benefits

The assets held in our general account support the guarantees under your contract, including optional death benefits and optional living benefits. To the extent that we are required to pay you amounts in addition to your contract value under these benefits, such amounts will come from our general account assets. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of insurance and financial products as well, and we also pay our obligations under these products from assets in our general account. Our general account is not segregated or insulated from the claims of our creditors. The financial statements contained in the SAI include a further discussion of the risks inherent within the investments of the general account.

Optional Death Benefits

Return of Purchase Payments Death Benefit (ROPP)

The ROPP is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greater of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders.

Adjusted partial surrenders for the ROPP death benefit	=	PS × DB
		CV

PS	=	the partial surrender including any applicable surrender charge.
DB	=	the death benefit on the date of (but prior to) the partial surrender.
CV	=	the contract value on the date of (but prior to) the partial surrender.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

If you are age 76 or older at contract issue, you may choose to add the ROPP to your contract. Generally, you must elect the ROPP at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the ROPP may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the ROPP for new contracts.

When annuity payouts begin, or if you terminate the contract for any reason other than death, this rider will terminate.

Terminating the ROPP

•	You may terminate the ROPP rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the ROPP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The ROPP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

56 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

If you terminate the ROPP, the standard death benefit applies.

For an example, see Appendix C.

If your spouse is the sole beneficiary, he or she may keep the contract as owner with the contract value equal to the death benefit that would otherwise been paid under the ROPP. To do this your spouse must, on the date our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse was age 76 or older as of the date we issued the contract, he or she may choose to continue the ROPP. In that case, the ROPP rider charges described in “Charges — ROPP Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary. Your spouse also has the option of discontinuing the ROPP rider within 30 days of the date he or she elects to continue the contract. If your spouse was age 75 or younger as of the date we issued the contract, the ROPP will terminate.

NOTE: For special tax considerations associated with the ROPP, see “Taxes.”

Maximum Anniversary Value Death Benefit (MAV)

The MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The MAV does not provide any additional benefit before the first contract anniversary after the rider effective date. The MAV may be of less value if you are older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum anniversary value at age 81, the MAV rider fee continues to apply until the rider terminates. In addition, the MAV does not provide any additional benefit with respect to the GPAs, fixed account or Special DCA account during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the MAV is appropriate for your situation.

If you are age 75 or younger at contract issue, you may choose to add the MAV to your contract. Generally, you must elect the MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the MAV may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the MAV for new contracts.

On the first contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every contract anniversary after that, through age 80, we compare the previous anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value to the higher of these values. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders; or
•	the maximum anniversary value as calculated on the most recent contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

Terminating the MAV

•	You may terminate the MAV rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the MAV, the standard death benefit applies.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the MAV. To do this your spouse must, within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 57

based on the total contract value on the anniversary, including the additional amounts paid into the contract under the MAV rider. If, at the time he or she elects to continue the contract, your spouse has not yet reached age 76 and chooses not to continue the MAV rider, the contract value will be increased to the MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

Maximum Five Year Anniversary Value Death Benefit (5-Year MAV)

The 5-Year MAV is intended to provide additional death benefit protection in the event of fluctuating fund values. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The 5-Year MAV does not provide any additional benefit before the fifth contract anniversary after the rider effective date. The 5-Year MAV may be of less value if you are older since we stop resetting the maximum anniversary value at age 81. Although we stop resetting the maximum five year anniversary value at age 81, the 5-Year MAV rider fee continues to apply until the rider terminates. In addition, the 5-Year MAV does not provide any additional benefit with respect to the GPAs, fixed account or Special DCA account during the time you have amounts allocated to these accounts. Be sure to discuss with your financial advisor whether or not the 5-Year MAV is appropriate for your situation.

If you are age 75 or younger at contract issue, you may choose to add the 5-Year MAV to your contract. Generally, you must elect the 5-Year MAV at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the 5-Year MAV may be after we issue the contract according to terms determined by us and at our sole discretion. We reserve the right to discontinue offering the 5-Year MAV for new contracts.

On the fifth contract anniversary after the rider effective date we set the maximum anniversary value equal to the highest of your (a) current contract value, or (b) total purchase payments minus adjusted partial surrenders. Every fifth contract anniversary after that, through age 80, we compare the previous 5-year anniversary’s maximum anniversary value plus subsequent purchase payments less subsequent adjusted partial surrenders to the current contract value and we reset the maximum anniversary value to the higher of these values. We stop resetting the maximum anniversary value at age 81. However, we continue to add subsequent purchase payments and subtract adjusted partial surrenders from the maximum anniversary value.

If you die before annuity payouts begin while this contract is in force, we will pay the beneficiary the greatest of:

•	contract value, less any purchase payment credits subject to reversal, less any applicable rider charges; or
•	purchase payments minus adjusted partial surrenders; or
•	the maximum anniversary value as calculated on the most recent fifth contract anniversary plus subsequent purchase payments made to the contract minus adjustments for partial surrenders since that contract anniversary.

The death benefit will never be less than the surrender value adjusted by the MVA formula.

Terminating the 5-Year MAV

•	You may terminate the 5-Year MAV rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the 5-Year MAV rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The 5-Year MAV rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The 5-Year MAV rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

If you terminate the 5-Year MAV, the standard death benefit applies.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, your spouse may choose to continue the contract as the contract owner. The contract value will be equal to the death benefit that would otherwise have been paid under the 5-Year MAV. To do this your spouse must within 60 days after our death claim requirements are fulfilled, give us written instructions to keep the contract in force. If your spouse has reached age 76 at the time he or she elects to continue the contract, the 5-Year MAV rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she may choose to continue the 5-Year MAV rider. In this case, the rider charges described in “Charges” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the 5-Year MAV rider. If, at the time he or she elects to continue the contract, your spouse has not yet reached age 76 and chooses not to continue the 5-Year MAV rider, the contract value will be increased to the 5-Year MAV death benefit amount if it is greater than the contract value on the death benefit valuation date.

58 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Enhanced Earnings Death Benefit (EEB)

The EEB is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEB provides for reduced benefits if you are age 70 or older at the rider effective date and it does not provide any additional benefit before the first contract anniversary. The EEB also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because the benefit paid by the EEB is determined by the amount of earnings at death. Be sure to discuss with your financial advisor and your tax advisor whether or not the EEB is appropriate for your situation.

If you are age 75 or younger at the rider effective date, you may choose to add the EEB to your contract. Generally, you must elect the EEB at the time you purchase your contract and your rider effective date will be the contract issue date. In some instances the rider effective date for the EEB may be after we issue the contract according to terms determined by us and at our sole discretion. You may not select this rider if you select the EEP. We reserve the right to discontinue offering the EEB for new contracts.

The EEB provides that if you die after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:

the standard death benefit amount (see “Benefits in Case of Death — Standard Benefit”), the MAV death benefit amount, if applicable, or the 5-Year MAV death benefit amount, if applicable;

PLUS

•	40% of your earnings at death if you were under age 70 on the rider effective date; or
•	15% of your earnings at death if you were age 70 or older on the rider effective date.

Additional death benefits payable under the EEB are not included in the adjusted partial surrender calculation.

Earnings at death for the EEB and EEP: If the rider effective date for the EEB or EEP is the contract issue date, earnings at death is an amount equal to:

•	the standard death benefit amount, the MAV death benefit amount, or the 5-Year MAV death benefit amount if applicable (the “death benefit amount”)
•	minus purchase payments not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% of the purchase payments not previously surrendered that are one or more years old.

If the rider effective date for the EEB is AFTER the contract issue date, earnings at death is an amount equal to the death benefit amount

•	minus the greater of:

•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date

•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered.

The earnings at death may not be less than zero and may not be more than 250% multiplied by:

•	the greater of:
•	the contract value as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that contract value since that rider effective date; or
•	an amount equal to the death benefit amount as of the EEB rider effective date (determined before we apply any purchase payment or purchase payment credit), less any surrenders of that death benefit amount since that rider effective date
•	plus any purchase payments made on or after the EEB rider effective date not previously surrendered that are one or more years old.

Terminating the EEB

•	You may terminate the EEB rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the EEB rider within 30 days of any contract anniversary beginning with the seventh contract anniversary after the rider effective date.
•	The EEB rider will terminate when you make a full surrender from the contract or when annuity payouts begin.

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•	The EEB rider will terminate in the case of spousal continuation or ownership change if the new owner is age 76 or older.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEB. If the spouse is age 76 or older at the time he or she elects to continue the contract, then the EEB rider will terminate. If your spouse is less than age 76 at the time he or she elects to continue the contract, he or she may choose to continue the EEB. In this case, the following conditions will apply:

•	the EEB rider will continue, but we will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”
•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.
•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEB rider.

NOTE: For special tax considerations associated with the EEB, see “Taxes.”

Enhanced Earnings Plus Death Benefit (EEP)

The EEP is intended to provide an additional benefit to your beneficiary to help offset expenses after your death such as funeral expenses or federal and state taxes. This is an optional benefit that you may select for an additional annual charge (see “Charges”). The EEP provides for reduced benefits if you are age 70 or older at the rider effective date. It does not provide any additional benefit before the first contract anniversary and it does not provide any benefit beyond what is offered under the EEB during the second contract year. The EEP also may result in reduced benefits if you take RMDs (see “Taxes — Qualified Annuities — Required Minimum Distributions”) from your qualified annuity or any partial surrenders during the life of your contract, both of which may reduce contract earnings. This is because part of the benefit paid by the EEP is determined by the amount of earnings at death. Be sure to discuss with your sales representative and your tax advisor whether or not the EEP is appropriate for your situation.

If this EEP rider is available in your state and you are age 75 or younger at contract issue, you may choose to add the EEP to your contract. You must elect the EEP at the time you purchase your contract and your rider effective date will be the contract issue date. This rider is only available under annuities purchased through an exchange or direct transfer from another annuity or a life insurance policy. You may not select this rider if you select the EEB. We reserve the right to discontinue offering the EEP for new contracts.

The EEP provides that if you die after the first contract anniversary, but before annuity payouts begin, and while this contract is in force, we will pay the beneficiary:

EEP Part I benefits, which equal the benefits payable under the EEB described above;

PLUS

•	EEP Part II benefits, which equal a percentage of exchange purchase payments identified at issue, received within 6 months from issue and not previously surrendered as follows:

Contract year	Percentage if you are under age 70 on the rider effective date	Percentage if you are 70 or older on the rider effective date
One and Two	0%	0%
Three and Four	10%	3.75%
Five or more	20%	7.5%

Additional death benefits payable under the EEP are not included in the adjusted partial surrender calculation.

Another way to describe the benefits payable under the EEP rider is as follows:

•	the standard death benefit amount (see “Benefits in Case of Death — Standard Death Benefit”), the MAV death benefit amount, or 5-Year MAV death benefit amount, if applicable,

PLUS

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Contract year	If you are under age 70 on the rider effective date, add…	If you are age 70 or older on the rider effective date, add….
1	Zero	Zero
2	40% x earnings at death (see above)	15% x earnings at death
3 & 4	40% x (earnings at death + 25% of exchange purchase payment*)	15% x (earnings at death + 25% of exchange purchase payment*)
5+	40% x (earnings at death + 50% of exchange purchase payment*)	15% x (earnings at death + 50% of exchange purchase payment*)

*	Exchange purchase payments are purchase payments exchanged from another annuity or a life insurance policy that are identified at issue and not previously surrendered.

We are not responsible for identifying exchange purchase payments if we did not receive proper notification from the company from which the purchase payments are exchanged.

Terminating the EEP

•	You may terminate the EEP rider within 30 days of the first contract anniversary after the rider effective date.
•	You may terminate the EEP rider within 30 days of any contract anniversary beginning with the seventh contract anniversary.
•	The EEP rider will terminate when you make a full surrender from the contract or when annuity payouts begin.
•	The EEP rider will terminate in the case of an ownership change.
•	The EEP rider will terminate in the case of the spousal continuation if the new owner is age 76 or older.

For an example, see Appendix C.

In general, if your spouse is the sole beneficiary, and your spouse chooses to continue the contract as the contract owner, we will pay an amount into the contract so that the contract value equals the total death benefit payable under the EEP. If your spouse has reached age 76 at the time he or she elects to continue the contract, the EEP rider will terminate. If your spouse has not yet reached age 76 at the time he or she elects to continue the contract, he or she cannot continue the EEP. However, he or she may choose to convert the EEP rider into an EEB. In this case, the following conditions will apply:

•	the EEB rider will treat the new contract value on the date the ownership of the contract changes to your spouse (after the additional amount is paid into the contract) as if it is a purchase payment in calculating future values of “earnings at death.”
•	the percentages of “earnings at death” payable will be based on your spouse’s age at the time he or she elects to continue the contract.
•	the EEB rider charges described in “Charges — EEB Rider Fee” will be assessed at the next contract anniversary (and all future anniversaries when the EEB rider is in force). These charges will be based on the total contract value on the anniversary, including the additional amounts paid into the contract under the EEP rider.

If your spouse chooses not to convert the EEP rider into an EEB, the standard death benefit amount (or the MAV or 5-Year MAV death benefit amount, if applicable,) will apply.

NOTE: For special tax considerations associated with the EEP, see “Taxes.”

Optional Living Benefits

Guaranteed Minimum Accumulation Benefit (Accumulation Benefit) Rider

The Accumulation Benefit rider is an optional benefit that you may select for an additional charge. It is available for nonqualified and qualified annuities except under 401(a) and 401(k) plans. The Accumulation Benefit rider specifies a waiting period that ends on the benefit date. The Accumulation Benefit rider provides a one-time adjustment to your contract value on the benefit date if your contract value is less than the Minimum Contract Accumulation Value (defined below) on that benefit date.

If the contract value falls to zero as the result of adverse market performance or the deduction of fees and/or charges at any time during the waiting period and before the benefit date, the contract and all riders, including the Accumulation Benefit rider will terminate without value and no benefits will be paid. Exception: if you are still living on the benefit date, we will pay you an amount equal to the Minimum Contract Accumulation Value as determined under the Accumulation Benefit rider on the valuation date your contract value reached zero.

If you are 80 or younger at contract issue, you may elect the Accumulation Benefit at the time you purchase your contract and the rider effective date will be the contract issue date. The Accumulation Benefit rider may not be terminated once you have elected it except as described in the “Terminating the Rider” section below. An additional

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charge for the Accumulation Benefit rider will be assessed annually during the waiting period. The rider ends when the waiting period expires and no further benefit will be payable and no further charges for the rider will be deducted. The Accumulation Benefit rider may not be purchased with the optional Withdrawal Benefit rider. The rider ends when the waiting period expires and no further benefit will be payable and no further charges for the rider will be deducted. After the waiting period, you have the following options:

•	Continue your contract;
•	Take partial surrenders or make a full surrender; or
•	Annuitize your contract.

The Accumulation Benefit rider may not be available in all states.

You should consider whether an Accumulation Benefit rider is appropriate for you because:

•	you must be invested in one of the approved investment options. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts, GPAs or the fixed account that are available under the contract to other contract owners who do not elect this rider. You may allocate qualifying purchase payments and applicable payment credits to the Special DCA account, when available (see “The Special DCA Account”), and we will make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);
•	you may not make additional purchase payments to your contract during the waiting period after the first 180 days immediately following the effective date of the Accumulation Benefit rider. Some exceptions apply (see “Additional Purchase Payments with Elective Step-up” below);
•	if you purchase this contract as a qualified annuity, for example, an IRA, you may need to take partial surrenders from your contract to satisfy the RMDs under the Code. Partial surrenders, including those used to satisfy RMDs, will reduce any potential benefit that the Accumulation Benefit rider provides. You should consult your tax advisor if you have any questions about the use of this rider in your tax situation;
•	if you think you may surrender all of your contract value before you have held your contract with this benefit rider attached for 10 years, or you are considering selecting an annuity payout option within 10 years of the effective date of your contract, you should consider whether this optional benefit is right for you. You must hold the contract a minimum of 10 years from the effective date of the Accumulation Benefit rider, which is the length of the waiting period under the Accumulation Benefit rider, in order to receive the benefit, if any, provided by the Accumulation Benefit rider. In some cases, as described below, you may need to hold the contract longer than 10 years in order to qualify for any benefit the Accumulation Benefit rider may provide;
•	the 10 year waiting period under the Accumulation Benefit rider will restart if you exercise the elective step-up option (described below) or your surviving spouse exercises the spousal continuation elective step-up (described below); and
•	the 10 year waiting period under the Accumulation Benefit rider may be restarted if you elect to change your PN program investment option to one that causes the Accumulation Benefit rider charge to increase (see “Charges”).

Be sure to discuss with your sales representative whether an Accumulation Benefit rider is appropriate for your situation.

Here are some general terms that are used to describe the operation of the Accumulation Benefit:

Benefit Date: This is the first valuation date immediately following the expiration of the waiting period.

Minimum Contract Accumulation Value (MCAV): An amount calculated under the Accumulation Benefit rider. The contract value will be increased to equal the MCAV on the benefit date if the contract value on the benefit date is less than the MCAV on the benefit date.

Adjustments for Partial Surrenders: The adjustment made for each partial surrender from the contract is equal to the amount derived from multiplying (a) and (b) where:

(a) is 1 minus the ratio of the contract value on the date of (but immediately after) the partial surrender to the contract value on the date of (but immediately prior to) the partial surrender; and

(b) is the MCAV on the date of (but immediately prior to) the partial surrender.

Waiting Period: The waiting period for the rider is 10 years.

We reserve the right to restart the waiting period on the latest contract anniversary if you change your investment option after we have exercised our rights to increase the rider fee.

Your initial MCAV is equal to your initial purchase payment and any purchase payment credit. It is increased by the amount of any subsequent purchase payments and purchase payment credits received within the first 180 days that the rider is effective. It is reduced by any adjustments for partial surrenders made during the waiting period.

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Automatic Step-Up

On each contract anniversary after the effective date of the rider, the MCAV will be set to the greater of:

1.	80% of the contract value on the contract anniversary; or
2.	the MCAV immediately prior to the automatic step-up.

The automatic step-up does not create contract value, guarantee the performance of any investment option, or provide a benefit that can be surrendered or paid upon death. Rather, the Automatic Step-up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The automatic step-up of the MCAV does not restart the waiting period or increase the charge (although the total fee for the rider may increase).

Elective Step-Up Option

Within thirty days following each contract anniversary after the rider effective date, but prior to the benefit date, you may notify us in writing that you wish to exercise the annual elective step-up option. You may exercise this elective step-up option only once per contract year during this 30 day period. If your contract value on the valuation date we receive your written request to step-up is greater than the MCAV on that date, your MCAV will increase to 100% of that contract value.

We may increase the fee for your rider (see “Charges – Accumulation Benefit Rider Charge”). The revised fee would apply to your rider if you exercise the annual elective step-up, your MCAV is increased as a result, and the revised fee is higher than your annual rider fee before the elective step-up. Elective step-ups will also result in a restart of the waiting period as of the most recent contract anniversary.

The elective step-up does not create contract value, guarantee the performance of any investment option or provide any benefit that can be surrendered or paid upon death. Rather the elective step-up is an interim calculation used to arrive at the final MCAV, which is used to determine whether a benefit will be paid under the rider on the benefit date.

The elective step-up option is not available to non-spouse beneficiaries that continue the contract during the waiting period. The elective step-up is not available if the benefit date would be after the settlement date (see the Settlement Date section for settlement date options)

We have the right to restrict the elective step-up option on inherited IRAs, but we currently allow them. Please consider carefully if an elective step-up is appropriate if you own an inherited IRA because the elective step-up will restart the waiting period and the required minimum distributions for an inherited IRA may significantly decrease the future benefit payable under this rider. We reserve the right to restrict the elective step-up option on inherited IRAs in the future.

Additional Purchase Payments with Annual Elective Step-ups

If your MCAV is increased as a result of elective step-up, you have 180 days from the latest contract anniversary to make additional purchase payments, if allowed under the base contract. The MCAV will include the amount of any additional purchase payments and purchase payment credits (if applicable) received during this period.

Spousal Continuation

If a spouse chooses to continue the contract under the spousal continuation provision, the rider will continue as part of the contract. Once, within the thirty days following the date of spousal continuation, the spouse may choose to exercise an elective step-up. The spousal continuation elective step-up is in addition to the annual elective step-up. If the contract value on the valuation date we receive the written request to exercise this option is greater than the MCAV on that date, we will increase the MCAV to that contract value. If the MCAV is increased as a result of the elective step-up and we have increased the charge for the Accumulation Benefit rider, the spouse will pay the charge that is in effect on the valuation date we receive their written request to step-up for the entire contract year. In addition, the waiting period will restart as of the most recent contract anniversary.

Terminating the Rider

The rider will terminate under the following conditions:

The rider will terminate before the benefit date without paying a benefit on the date:

•	you take a full surrender; or
•	annuitization begins; or
•	the contract terminates as a result of the death benefit being paid.

The rider will terminate on the benefit date.

For an example, see Appendix C.

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Guaranteed Minimum Withdrawal Benefit Rider

(Withdrawal Benefit and Enhanced Withdrawal Benefit)

The Withdrawal Benefit rider is an optional benefit that you may select for an additional annual charge if you are 80 or younger on the date the contract is issued. It is available for nonqualified and qualified annuities except under 401(a) and 401(k) plans.⁽¹⁾

⁽¹⁾	The Withdrawal Benefit rider is not available under an inherited qualified annuity.

You must have elected the Withdrawal Benefit rider when you purchased your contract (original rider). The original rider you received at contract issue offers an elective annual step-up and any withdrawal after a step-up during the first three contract years is considered an excess withdrawal, as described below. The rider effective date of the original rider is the contract issue date.

We offered you the option of replacing the original rider with a new Withdrawal Benefit (enhanced rider). The enhanced rider offers an automatic annual step-up and a withdrawal after a step-up during the first three contract years is not necessarily an excess withdrawal, as described below. The effective date of the enhanced rider will be the contract issue date except for the automatic step-up which will apply to contract anniversaries that occur after you accept the enhanced rider. The descriptions below apply to both the original and enhanced riders unless otherwise noted.

The Withdrawal Benefit initially provides a guaranteed minimum withdrawal benefit that gives you the right to take limited partial withdrawals in each contract year that over time will total an amount equal to your purchase payments plus any purchase payment credits. Certain withdrawals and step-ups, as described below, can cause the initial guaranteed withdrawal benefit to change. The guarantee remains in effect if your partial withdrawals in a contract year do not exceed the allowed amount. As long as your withdrawals in each contract year do not exceed the allowed amount, you will not be assessed a surrender charge. Under the original rider, the allowed amount is the Guaranteed Benefit Payment (GBP — the amount you may withdraw under the terms of the rider in each contract year, subject to certain restrictions prior to the third contract anniversary, as described below). Under the enhanced rider, the allowed amount is equal to 7% of purchase payments and purchase payment credits for the first three contract years, and the GBP in all other years.

If you withdraw an amount greater than the allowed amount in a contract year, we call this an “excess withdrawal” under the rider. If you make an excess withdrawal under the rider:

•	surrender charges, if applicable, will apply only to the amount of the withdrawal that exceeds the allowed amount;
•	the Guaranteed Benefit Amount (GBA) will be adjusted as described below; and
•	the Remaining Benefit Amount (RBA) will be adjusted as described below.

For a partial withdrawal that is subject to a surrender charge, the amount we actually deduct from your contract value will be the amount you request plus any applicable surrender charge (see “Charges — Surrender Charge”). Market value adjustments, if applicable, will also be made (see the “Market Value Adjustment” provision in the prospectus). We pay you the amount you request. Any partial withdrawals you take under the contract will reduce the value of the death benefits (see “Benefits in Case of Death”). Upon full withdrawal of the contract, you will receive the remaining contract value less any applicable charges (see “Surrenders”).

Once elected, the Withdrawal Benefit rider may not be cancelled by you and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero (described below) or annuity payouts begin. If you select the Withdrawal Benefit rider, you may not select the Accumulation Benefit rider. If you exercise the annual step-up election (see “Elective Step-up” and “Annual Step-up” below), the special spousal continuation step-up election (see “Spousal Continuation and Special Spousal Continuation Step-up” below) or change your Portfolio Navigator investment option, the rider charge may change (see “Charges”).

Withdrawal Benefit is subject to certain restrictions and limitations described below:

You will begin paying the rider charge as of the rider effective date, even if you do not begin taking withdrawals for many years. It is possible that your contract performance, fees and charges, and withdrawal pattern may be such that your contract value will not be depleted in your lifetime and you will not receive any monetary value under the rider.

•

Investment Allocation Restriction: You must elect one of the approved investment options. These funds are expected to reduce our financial risks and expenses associated with certain living benefits. Although the funds’ investment strategies may help mitigate declines in your contract value due to declining equity markets, the funds’ investment strategies may also curb your contract value gains during periods of positive performance by the equity markets. Additionally, investment in the funds may decrease the number and amount of any benefit base increase opportunities. (See “The Variable Account and the Funds: Volatility and Volatility Management Risk with the Portfolio Stabilizer funds” section.) We reserve the right to add, remove or substitute approved investment options in the future. This requirement limits your choice of investments. This means you will not be able to allocate contract value to all of the subaccounts or the fixed account that are available under the contract to contract owners who do not

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	elect this rider. You may allocate qualifying purchase payments and applicable purchase payment credits to the Special DCA account, when available (see “The Special DCA Account”), and we will make monthly transfers into the investment option you have chosen. (See “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”);
•	Limitations on Tax-Sheltered Annuities (TSAs): Your right to take withdrawals is restricted if your contract is a TSA (see “TSA — Special Provisions”). Therefore, Withdrawal Benefit rider may be of limited value to you. You should consult your tax advisor if you selected this optional rider and if you have any questions about the use of this rider in your tax situation;
•	Limitations on purchase payments: We reserve the right to limit the cumulative amount of purchase payments We reserve the right to limit the cumulative amount of purchase payments (subject to state restrictions), which may limit your ability to make additional purchase payments to increase your contract value as you may have originally intended. For current limitations, see “Buying Your Contract — Purchase Payment.”
•	Non-Cancelable: Once elected, the Withdrawal Benefit rider may not be cancelled by you and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero (described below) or annuity payouts begin.
•	Interaction with the total free amount (TFA) contract provision: The TFA is the amount you are allowed to withdraw in each contract year without incurring a surrender charge (see “Charges — Surrender Charge”). The TFA may be greater than the RBP under this rider. Any amount you withdraw under the contract’s TFA provision that exceeds the RBP is subject to the excess withdrawal processing for the GBA and Remaining Benefit Amount (RBA) described below.

You should consult your tax advisor if you have any questions about the use of this rider in your tax situation:

•

Tax considerations for non-qualified annuities: Withdrawals are taxable income to the extent of earnings. Withdrawals of earnings before age 59½ may also incur a 10% IRS early withdrawal penalty.

•

Tax considerations for qualified annuities: Qualified annuities have minimum distribution rules that govern the timing and amount of distributions from the annuity contract (see “Taxes — Qualified Annuities — Required Minimum Distributions”). If you have a qualified annuity, you may need to take an RMD that exceeds the guaranteed amount of withdrawal available under the rider and such withdrawals may reduce future benefits guaranteed under the rider. Under the terms of the enhanced rider, we allow you to satisfy the RMD based on the life expectancy RMD for your contract and the requirements of the Code and regulations in effect when you purchase your contract, without the withdrawal being treated as an excess withdrawal. It is our current administrative practice to make the same accommodation under the original rider, however, we reserve the right to discontinue this administrative practice and will give you 30 days’ written notice of any such change.

Treatment of non-spousal distributions: Unless you are married your beneficiary will be required to take distributions as a non-spouse which may result in significantly decreasing the value of the rider.

Please note civil unions and domestic partnerships generally are not recognized as marriages for federal tax purposes. For additional information see “Taxes — Other — Spousal status” section of this prospectus.

For contract holders subject to annual RMD rules under Section 401(a)(9) of the Code, amounts you withdraw each year from this contract to satisfy these rules are not subject to excess withdrawal processing under the terms of the rider, subject to the following rules and our current administrative practice:

If on the date we calculated your Annual Life Expectancy Required Minimum Distribution Amount (ALERMDA), it is greater than the RBP from the beginning of the current contract year,

•	A Basic Additional Benefit Amount (BABA) will be set equal to that portion of your ALERMDA that exceeds the value of the RBP from the beginning of the current contract year.
•	Any withdrawals taken in a contract year will count first against and reduce the RBP for that contract year.
•	Once the RBP for the current contract year has been depleted, any additional amounts withdrawn will count against and reduce the BABA. These withdrawals will not be considered excess withdrawals with regard to the GBA and RBA as long as they do not exceed the remaining BABA.
•	Once the BABA has been depleted, any additional withdrawal amounts will be considered excess withdrawals with regard to the GBA and RBA and will subject them all to the excess withdrawal processing described by the rider.

The ALERMDA is:

(1)	determined by us each calendar year;
(2)	based on the value of this contract alone on the date it is determined; and

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(3)	based on the company’s understanding and interpretation of the requirements for life expectancy distributions intended to satisfy the required minimum distribution rules under Code Section 401(a) (9) and the Treasury Regulations promulgated thereunder, as applicable on the effective date of this prospectus, to:
1.	IRAs under Section 408(b) of the Code;
2.	Roth IRAs under Section 408A of the Code;
3.	SIMPLE IRA under Section 408A of the Code;
4.	SEP plans under Section 408 (k) of the Code;
5.	Custodial and investment only plans under Section 401 (a) of the Code;
6.	TSAs under Section 403(b) of the Code.

In the future, the requirements under tax law for such distributions may change and the life expectancy amount calculation provided under your rider may not be sufficient to satisfy the requirements under the tax law for these types of distributions. In such a situation, amounts withdrawn to satisfy such distribution requirements would exceed your available withdrawal amount and may result in the reduction of your GBA and/or RBA as described under the excess withdrawal provision of the rider.

RMD rules follow the calendar year which most likely does not coincide with your contract year and therefore may limit when you can take your RMD and not be subject to excess withdrawal processing.

In cases where the Code does not allow the life expectancy of a natural person to be used to calculate the required minimum distribution amount (e.g. some ownerships by trusts and charities), we will calculate the life expectancy RMD amount as zero in all years. The annual life expectancy required minimum distribution amount calculated by us will also equal zero in all years.

The terms “Guaranteed Benefit Amount” and “Remaining Benefit Amount” are described below. Each is used in the operation of the GBP, the RBP, the elective step-up, the annual step-up, the special spousal continuation step-up and the Withdrawal Benefit annuity payout option.

Guaranteed Benefit Amount

The Guaranteed Benefit Amount (GBA) is equal to the initial purchase payment, plus any purchase payment credits, adjusted for subsequent purchase payments, any purchase payment credits, partial withdrawals in excess of the GBP, and step-ups. The maximum GBA is $5,000,000.

The GBA is determined at the following times:

•	At contract issue — the GBA is equal to the initial purchase payment, plus any purchase payment credit;
•	When you make additional purchase payments — each additional purchase payment plus any purchase payment credit has its own GBA equal to the amount of the purchase payment plus any purchase payment credit. The total GBA when an additional purchase payment and purchase payment credit are added is the sum of the individual GBAs immediately prior to the receipt of the additional purchase payment, plus the GBA associated with the additional purchase payment;
•	At step-up — (see “Elective Step-Up” and “Annual Step-Up” headings below).
•	When you make a partial withdrawal:

(a)	and all of your withdrawals in the current contract year, including the current withdrawal, are less than or equal to the GBP — the GBA remains unchanged. Note that if the partial withdrawal is taken during the first three contract years, the GBA and the GBP are calculated after the reversal of any prior step-ups;
(b)	and all of your withdrawals in the current contract year, including the current withdrawal, are greater than the GBP — the following excess withdrawal processing will be applied to the GBA. Note that if the partial withdrawal is taken during the first three contract years, the GBA and the GBP are calculated after the reversal of any prior step-ups;
(c)	under the original rider in a contract year after a step-up but before the third contract anniversary — the following excess withdrawal processing will be applied to the GBA. Note that the GBA and the GBP are calculated after the reversal of prior step-ups.

GBA Excess Withdrawal Processing

The total GBA will automatically be reset to the lesser of (a) the total GBA immediately prior to the withdrawal; or (b) the contract value immediately following the withdrawal. If there have been multiple purchase payments, each payment’s GBA after the withdrawal will be reset to equal that payment’s RBA after the withdrawal plus (a) times (b), where:

(a)	is the ratio of the total GBA after the withdrawal less the total RBA after the withdrawal to the total GBA before the withdrawal less the total RBA after the withdrawal; and
(b)	is each payment’s GBA before the withdrawal less that payment’s RBA after the withdrawal.

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Remaining Benefit Amount

The remaining benefit amount (RBA) at any point is the total guaranteed amount available for future partial withdrawals. The maximum RBA is $5,000,000.

The RBA is determined at the following times:

•	At contract issue — the RBA is equal to the initial purchase payment plus any purchase payment credit;
•	When you make additional purchase payments — each additional purchase payment plus any purchase payment credit has its own RBA equal to the amount of the purchase payment plus any purchase payment credit. The total RBA when an additional purchase payment and purchase payment credit are added is the sum of the individual RBAs immediately prior to the receipt of the additional purchase payment, plus the RBA associated with the additional payment;
•	At step-up — (see “Elective Step-up” and “Annual Step-up” headings below).
•	When you make a partial withdrawal:

(a)	and all of your withdrawals in the current contract year, including the current withdrawal, are less than or equal to the GBP — the RBA becomes the RBA immediately prior to the partial withdrawal, less the partial withdrawal. Note that if the partial withdrawal is taken during the first three contract years, the RBA and the GBP are calculated after the reversal of any prior step-ups;
(b)	and all of your withdrawals in the current contract year, including the current withdrawal, are greater than the GBP — the following excess withdrawal processing will be applied to the RBA. Note that if the partial withdrawal is taken during the first three contract years, the RBA and the GBP are calculated after the reversal of any prior step-ups;
(c)	under the original rider after a step-up but before the third contract anniversary — the following excess withdrawal processing will be applied to the RBA. Note that the RBA and the GBP are calculated after the reversal of prior step-ups.

RBA Excess Withdrawal Processing

The RBA will automatically be reset to the lesser of (a) the contract value immediately following the withdrawal, or (b) the RBA immediately prior to the withdrawal, less the amount of the withdrawal.

If there have been multiple purchase payments, any reduction of the RBA will be taken out of each payment’s RBA in the following manner:

The withdrawal amount up to the remaining benefit payment (defined below) is taken out of each RBA bucket in proportion to its remaining benefit payment at the time of the withdrawal; and the withdrawal amount above the remaining benefit payment and any amount determined by the excess withdrawal processing are taken out of each RBA bucket in proportion to its RBA at the time of the withdrawal.

Guaranteed Benefit Payment

Under the original rider, the GBP is the amount you may withdraw under the terms of the rider in each contract year, subject to certain restrictions prior to the third anniversary.

Under the enhanced rider, the GBP is the withdrawal amount that you are entitled to take each contract year after the third anniversary until the RBA is depleted.

Under the original rider, the GBP is equal to 7% of the GBA. Under the enhanced rider, the GBP is the lesser of a) 7% of the GBA or (b) the RBA. Under both the original and enhanced riders, if you withdraw less than the GBP in a contract year, there is no carry over to the next contract year.

Remaining Benefit Payment

Under the original rider, at the beginning of each contract year, the remaining benefit payment (RBP) is set as the lesser of (a) the GBP, or (b) the RBA.

Under the enhanced rider, at the beginning of each contract year, during the first three contract years and prior to any withdrawal, the RBP for each purchase payment is set equal to that purchase payment plus any purchase payment credit, multiplied by 7%. At the beginning of any other contract year, each individual RBP is set equal to each individual GBP.

Each additional purchase payment has its own RBP established equal to that payment’s GBP. The total RBP is equal to the sum of the individual RBPs.

Whenever a partial withdrawal is made, the RBP equals the RBP immediately prior to the partial withdrawal less the amount of the partial withdrawal, but not less than zero.

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Elective Step-up (Under the Original Rider Only)
You have the option to increase the RBA, the GBA, the GBP and the RBP beginning with the first contract anniversary. An annual elective step-up option is available for 30 days after the contract anniversary. The elective step-up option allows you to step-up the remaining benefit amount and guaranteed benefit amount to the contract value on the valuation date we receive your written request to step-up.

The elective step-up is subject to the following rules:

•	if you do not take any withdrawals during the first three contract years, you may step-up annually beginning with the first contract anniversary;
•	if you take any withdrawals during the first three contract years, the annual elective step-up will not be available until the third contract anniversary;
•	if you step-up on the first or second contract anniversary but then take a withdrawal prior to the third contract anniversary, you will lose any prior step-ups and the withdrawal will be considered an excess withdrawal subject to the GBA and RBA excess withdrawal processing discussed under the “Guaranteed Benefit Amount” and “Remaining Benefit Amount” headings above, and to surrender charges; and
•	you may take withdrawals on or after the third contract anniversary without reversal of previous step-ups

You may elect a step-up only once each contract year within 30 days after the contract anniversary. Once a step-up has been elected, another step-up may not be elected until the next contract anniversary.

Rider A⁽¹⁾: You may only step-up if your contract value on the valuation date we receive your written request to step-up is greater than RBA. The elective step-up will be determined as follows:

•	The effective date of the elective step-up is the valuation date we receive your written request to step-up.
•	The RBA will be increased to an amount equal to the contract value on the valuation date we receive your written request to step-up.
•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the elective step-up; or (b) the contract value on the valuation date we receive your written request to step-up.
•	The GBP will be increased to an amount equal to the greater of (a) the GBP immediately prior to the step-up; or (b) 7% of the GBA after the step-up.
•	The RBP will be increased to the lesser of (a) the RBA after the elective step-up; or (b) the GBP after the elective step-up.

Rider B⁽¹⁾: You may only step-up if your contract value is greater than RBA. The elective step-up will be determined as follows:

•	The effective date of the elective step-up is the contract anniversary.
•	The RBA will be increased to an amount equal to the contract anniversary value.
•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the elective step-up; or (b) the contract anniversary value.
•	The GBP will be increased to an amount equal to the greater of (a) the GBP immediately prior to the step-up; or (b) 7% of the GBA after the step-up.
•	The RBP will be increased to the lesser of (a) the RBA after the elective step-up; or (b) the GBP after the elective step-up.
⁽¹⁾	Before April 29, 2005 we only offered Rider B. We began offering Rider A in states where it is approved and discontinued offering Rider B in those states, on April 29, 2005. If you purchased a contract with this optional benefit rider before April 29, 2005 the references to Rider B generally apply to your contract (see the rider attached to your contract for the actual terms of the benefit you purchased). If you purchased a contract on or after April 20, 2005 with this benefit, the version we offer you depends on which state you live in. The discussion about this benefit and how it works applies generally to both riders unless otherwise noted.

Annual Step-up (Under the Enhanced Rider Only)
Beginning with the first contract anniversary after you accept the enhanced rider, an increase of the RBA, the GBA, the GBP and the RBP may be available. A step-up does not create contract value, guarantee performance of any investment options, or provide a benefit that can be withdrawn or paid upon death. Rather, a step-up determines the current values of the GBA, RBA, GBP, and RBP, and may extend the payment period or increase allowable payment.

The annual step-up is subject to the following rules:

•	The annual step-up is available when the RBA would increase on the step-up date. The applicable step-up date depends on whether the annual step-up is applied on an automatic or elective basis.
•	If the application of the step does not increase the rider charge, the annual step-up will be automatically applied to your contract and the step-up date is the contract anniversary date.
•	If the application of the step-up would increase the rider charge (see the “Withdrawal Benefit Rider Fee” provision in the prospectus), the annual step-up is not automatically applied. Instead, you have the option to step-up for 30 days

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	after the contract anniversary. If you exercise the elective annual step-up option, you will pay the rider charge in effect on the step-up date. If you wish to exercise the elective annual step-up option, we must receive a request from you or your investment professional. The step-up date is the date we receive your request to step-up. If your request is received after the close of business, the step-up date will be the next valuation day.
•	Only one step-up is allowed each contract year.
•	If you take any withdrawals during the first three contract years, any previously applied step-ups will be reversed and the annual step-up will not be available until the third contract anniversary;
•	You may take withdrawals on or after the third contract anniversary without reversal of previous step-ups. The annual step-up will be determined as follows:
•	The RBA will be increased to an amount equal to the contract value on the step-up date.
•	The GBA will be increased to an amount equal to the greater of (a) the GBA immediately prior to the annual step-up; or (b) the contract value on the step-up date.
•	The GBP will be calculated as described earlier, but based on the increased GBA and RBA.
•	The RBP will be reset as follows:

(a)	Prior to any withdrawals during the first three contract years, the RBP will not be affected by the step-up.
(b)	At any other time, the RBP will be reset as the increased GBP less all prior withdrawals made during the current contract year, but not less than zero.

Spousal Continuation and Special Spousal Continuation Step-up

If a surviving spouse elects to continue the contract, this rider also continues. The spousal continuation step-up is in addition to the elective step-up or the annual step-up on contract anniversaries.

A surviving spouse may elect a spousal continuation step-up by written request within 30 days following the spouse’s election to continue the contract.

Under this step-up, the RBA will be reset to the greater of the RBA or the contract value on the valuation date we receive the spouse’s written request to step-up; the GBA will be reset to the greater of the GBA or the contract value on the same valuation date.

If a spousal continuation step-up is elected and we have increased the charge for the rider, the spouse will pay the charge that is in effect on the valuation date we receive the written request to step-up.

It is our current administrative practice to process the spousal continuation step-up as described in the next paragraph; however, we reserve the right to discontinue the administrative practice and will give you 30 days’ written notice of any such change.

At the time of spousal continuation, a step-up may be available. All annual step-up rules (see “Annual Step-Up” heading above), other than those that apply to the waiting period, also apply to the spousal continuation step-up. If the spousal continuation step-up is processed automatically, the step-up date is the valuation date the spousal continuation is effective. If not, the spouse must elect the step-up and must do so within 30 days of the spousal continuation date. If the spouse elects the spousal continuation step-up, the step-up date is the valuation date we receive the spouse’s written request to step-up if we receive the request by the close of business on that day, otherwise the next valuation date.

Remaining Benefit Amount Payout Option

Several annuity payout plans are available under the contract. As an alternative to these annuity payout plans, a fixed annuity payout option is available under the Withdrawal Benefit.

Under this option the amount payable each year will be equal to the remaining schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the current total RBA at the time you begin this fixed annuity option. These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at that time but will be no less frequent than annually. If, at the death of the owner, total payments have been made for less than the RBA, the remaining payments will be paid to the beneficiary (see “The Annuity Payout Period” and “Taxes”).

This annuity payout option may also be elected by the beneficiary of a contract as a settlement option if payments begin no later than one year after your death and the payout period does not extend beyond the beneficiary’s life or life expectancy. Whenever multiple beneficiaries are designated under the contract, each such beneficiary’s share of the proceeds if they elect this option will be in proportion to their applicable designated beneficiary percentage. Beneficiaries of nonqualified contracts may elect this settlement option subject to the distribution requirements of the contract. We reserve the right to adjust the remaining schedule of GBPs if necessary to comply with the Code.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 69

If Contract Value Reduces to Less Than $600*
If the contract value reduces to less than $600 and the RBA remains greater than zero, the following will occur:

•	you will be paid according to the annuity payout option described above;
•	we will no longer accept additional purchase payments;
•	you will no longer be charged for the rider;
•	any attached death benefit riders will terminate; and
•	the death benefit becomes the remaining payments under the annuity payout option described above. If the contract value falls to zero and the RBA is depleted, the Withdrawal Benefit rider and the contract will terminate.
*	Under our current administrative practice, we allow the minimum contract value to be $0. Therefore, these limitations will only apply when the contract value is reduced to zero.

For an example, see Appendix C.

The Annuity Payout Period

You also decide whether we will make annuity payouts on a fixed or variable basis, or a combination of fixed and variable. The amount available to purchase payouts under the plan you select is the contract value on your settlement date (after any rider charges have been deducted, plus or minus any applicable MVA, less any purchase payment credits subject to reversal and less any applicable premium tax). Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity payouts and Taxes — Qualified Annuities — Annuity payouts.” If you select a variable annuity payout, we reserve the right to limit the number of subaccounts in which you may invest. The GPAs and, the Special DCA fixed account is are not available during this payout period.

Amounts of fixed and variable payouts depend on:

•	the annuity payout plan you select;
•	the annuitant’s age and, in most cases, the annuitant’s sex;
•	the annuity table in the contract; and
•	the amounts you allocated to the accounts at settlement.

For information with respect to transfers between accounts after annuity payouts begin, see “Making the Most of Your Contract — Transfer policies.”

Annuity Tables

70 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Annuity Payout Plans

•	Plan A — Life annuity — no refund: We make monthly payouts until the annuitant’s death. Payouts end with the last payout before the annuitant’s death. We will not make any further payouts. This means that if the annuitant dies after we made only one monthly payout, we will not make any more payouts.
•	Plan B — Life annuity with five, ten or 15 years certain: We make monthly payouts for a guaranteed payout period of five, ten or 15 years that you elect. This election will determine the length of the payout period to the beneficiary in the event the annuitant dies before the elected period expires. We calculate the guaranteed payout period from the settlement date. If the annuitant outlives the elected guaranteed payout period, we will continue to make payouts until the annuitant’s death.
•	Plan C — Life annuity — installment refund: We make monthly payouts until the annuitant’s death, with our guarantee that payouts will continue for some period of time. We will make payouts for at least the number of months determined by dividing the amount applied under this option by the first monthly payout, whether or not the annuitant is living.
•	Plan D — Joint and last survivor life annuity — no refund: We make monthly payouts while both the annuitant and a joint annuitant are living. If either annuitant dies, we will continue to make monthly payouts at the full amount until the death of the surviving annuitant. Payouts end with the death of the second annuitant.
•	Plan E — Payouts for a specified period: We make monthly payouts for a specific payout period of ten to 30 years that you elect. We will make payouts only for the number of years specified whether the annuitant is living or not. Depending on the selected time period, it is foreseeable that an annuitant can outlive the payout period selected. During the payout period, you can elect to have us determine the present value of any remaining payouts and pay it to you in a lump sum.

• Withdrawal Benefit — RBA Payout Option: If you have a Withdrawal Benefit rider under your contract, you may elect the Withdrawal Benefit RBA payout option as an alternative to the above annuity payout plans. This option may not be available if the contract is issued to qualify under Sections 403 or 408 of the Code. For such contracts, this option will be available only if the guaranteed payout period is less than the life expectancy of the owner at the time the option becomes effective. Such life expectancy will be computed using life expectancy tables published by IRS. Under this option, the amount payable each year will be equal to the future schedule of GBPs, but the total amount paid over the life of the annuity will not exceed the total RBA at the time you begin this fixed payout option (see “Optional Benefits — Withdrawal Benefit”). These annualized amounts will be paid in the frequency that you elect. The frequencies will be among those offered by us at the time but will be no less frequent than annually. If, at the death of the owner, total payouts have been made for less than the RBA, the remaining payouts will be paid to the beneficiary.

•	in equal or substantially equal payments over a period not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary; or

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 71

•	over a period certain not longer than your life expectancy or over the joint life expectancy of you and your designated beneficiary.

Taxes

Nonqualified Annuities

You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 59½ unless certain exceptions apply.

72 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

•	because of your death or in the event of nonnatural ownership, the death of the annuitant;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if it is allocable to an investment before Aug. 14, 1982; or
•	if annuity payouts are made under immediate annuities as defined by the Code.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 73

appropriate tax treatment of the exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange.

Qualified Annuities

Annuity payouts from Roth IRAs: In general, the entire payout from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period.

If the payment is part of an annuity payout plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.

The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.

74 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

•	the payout is one in a series of substantially equal periodic payouts, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;
•	the payout is a RMD as defined under the Code;
•	the payout is made on account of an eligible hardship; or
•	the payout is a corrective distribution.

State withholding also may be imposed on taxable distributions.

•	because of your death;
•	because you become disabled (as defined in the Code);
•	if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
•	if the distribution is made following severance from employment during or after the calendar year in which you attain age 55 (TSAs and annuities funding 401(a) plans only);

•	to pay certain medical or education expenses (IRAs only); or
•	if the distribution is made from an inherited IRA.

Assignment: You may not assign or pledge your qualified contract as collateral for a loan.

Other

Purchase payment credits: These are considered earnings and are taxed accordingly when surrendered or paid out.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 75

If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

Voting Rights

Before annuity payouts begin, the number of votes you have is determined by applying your percentage interest in each subaccount to the total number of votes allowed to the subaccount.

After annuity payouts begin, the number of votes you have is equal to:

•	the reserve held in each subaccount for your contract; divided by
•	the net asset value of one share of the applicable fund.

As we make annuity payouts, the reserve for the contract decreases; therefore, the number of votes also will decrease.

Substitution of Investments

We may substitute the funds in which the subaccounts invest if:

•	laws or regulations change;
•	the existing funds become unavailable; or
•	in our judgment, the funds no longer are suitable (or no longer the most suitable) for the subaccounts.

76 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

We may also:

•	add new subaccounts;
•	combine any two or more subaccounts;
•	transfer assets to and from the subaccounts or the variable account; and
•	eliminate or close any subaccounts.

We will notify you of any substitution or change.

About the Service Providers

Principal Underwriter

Sales of the Contract

New contracts are not currently being offered.

•

Only securities broker-dealers (“selling firms”) registered with the SEC and members of the FINRA may sell the contract.

•

Payments to Selling Firms

•	We may use compensation plans which vary by selling firm. For example, some of these plans pay selling firms a commission of up to 5.75% each time a purchase payment is made. We may also pay ongoing trail commissions of up to 1.00% of the contract value. We do not pay or withhold payment of commissions based on which investment options you select.
•	We may pay selling firms a temporary additional sales commission of up to 1% of purchase payments for a period of time we select. For example, we may offer to pay a temporary additional sales commission to get selling firms to market a new or enhanced contract or to increase sales during the period.
•	In addition to commissions, we may, in order to promote sales of the contracts, and as permitted by applicable laws and regulations, pay or provide selling firms with other promotional incentives in cash, credit or other compensation. We generally (but may not) offer these promotional incentives to all selling firms. The terms of such arrangements differ between selling firms. These promotional incentives may include but are not limited to:
•	sponsorship of marketing, educational, due diligence and compliance meetings and conferences we or the selling firm may conduct for financial advisors, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;
•	marketing support related to sales of the contract including for example, the creation of marketing materials, advertising and newsletters;
•	providing service to contract owners; and
•	funding other events sponsored by a selling firm that may encourage the selling firm’s financial advisors to sell the contract.

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 77

Sources of Payments to Selling Firms

We pay the commissions and other compensation described above from our assets. Our assets may include:

•	revenues we receive from fees and expenses that you will pay when buying, owning and surrendering the contract (see “Expense Summary”);
•	compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The funds”);
•	compensation we or an affiliate receive from a fund’s investment adviser, subadviser, distributor or an affiliate of any of these (see “The Variable Account and the Funds — The funds”); and
•	revenues we receive from other contracts and policies we sell that are not securities and other businesses we conduct.

•	fees and expenses we collect from contract owners, including surrender charges; and
•	fees and expenses charged by the underlying funds in which the subaccounts you select invest, to the extent we or one of our affiliates receive revenue from the funds or an affiliated person.

Potential Conflicts of Interest

Compensation payment arrangements with selling firms can potentially:

•	give selling firms a heightened financial incentive to sell the contract offered in this prospectus over another investment with lower compensation to the selling firm.
•	cause selling firms to encourage their financial advisors to sell you the contract offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.
•	cause selling firms to grant us access to its financial advisors to promote sales of the contract offered in this prospectus, while denying that access to other firms offering similar contracts or other alternative investments which may pay lower compensation to the selling firm.

Payments to Financial Advisors

•	The selling firm pays its financial advisors. The selling firm decides the compensation and benefits it will pay its financial advisors.
•	To inform yourself of any potential conflicts of interest, ask your financial advisor before you buy how the selling firm and its financial advisors are being compensated and the amount of the compensation that each will receive if you buy the contract.

Service Providers

Name of Service Provider	Services Provided	Address
Ameriprise Financial, Inc.	Business affairs management and administrative support related to new business and servicing of existing contracts and policies	707 Second Avenue South Minneapolis MN 55402 USA
Ameriprise India Private Limited	Administrative support related to new business and servicing of existing contracts and policies annual report filings	Plot No. 14, Sector 18 Udyog Vihar Gurugram, Haryana – 122 015 India
Sykes Enterprise Incorporated	Administrative support related to e new business and servicing of existing contracts and policies	10^th Floor, Glorietta BPO 1 Office Tower Makati City 1224 Metro Manila Philippines

Issuer

We issue the contracts. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

78 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Legal Proceedings

Additional Information

Incorporation of Certain Documents by Reference

The SEC allows us to “incorporate by reference” the information we have filed with the SEC. This means that we can disclose important information to you without actually including the specific information in this prospectus by referring you to other documents filed separately with the SEC. The information incorporated by reference is an important part of this prospectus. Information that we later provide to the SEC, and which is deemed to be “filed” with the SEC, will automatically update information previously filed with the SEC, and may replace information in this prospectus and information previously filed with the SEC. We incorporate by reference RiverSource Life Insurance Company’s annual report on Form 10-K for the year ended December 31, 2019 as filed with the SEC on Feb. 26, 2020 under File No. 033-28976 in accordance with the Securities Exchange Act of 1934, as amended and any filings we make with the SEC under Sections 13(a) or 15(d) of the Securities Exchange Act (excluding information deemed to be furnished and not filed with the SEC) after the effective date of this registration statement, until all offerings under the registration statement of which this prospectus forms a part are completed or terminated. The annual report contains additional information about RiverSource Life Insurance Company, including audited financial statements for the latest fiscal year.

RiverSource Life will furnish you without charge a copy of any or all of the documents incorporated by reference into this prospectus, including any exhibits to such documents which have been specifically incorporated by reference. We will do so upon receipt of your written or oral request. You can contact RiverSource Life at the telephone number and address listed on the first page of this prospectus.

Available Information

This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Indemnification

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 79

Appendix A: Example — Market Value Adjustment (MVA)

As the examples below demonstrate, the application of an MVA may result in either a gain or a loss of principal. We refer to all of the transactions described below as “early surrenders.” The examples may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the subaccounts, GPAs, Special DCA fixed account , regular fixed account and the fees and charges that apply to your contract.

Assumptions:

•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and
•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and
•	after three years, you decide to make a surrender from your GPA. In other words, there are seven years left in your guarantee period.

Remember that the MVA depends partly on the interest rate of a new GPA for the same number of years as the Guarantee Period remaining on your GPA. In this case, that is seven years.

Example 1: Remember that your GPA is earning 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. We add 0.10% to the 3.5% rate to get 3.6%. Your GPA’s 3.0% rate is less than the 3.6% rate so the MVA will be negative.

Example 2: Remember again that your GPA is earning 3.0%, and assume that new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. We add 0.10% to the 2.5% rate to get 2.6%. In this example, since your GPA’s 3.0% rate is greater than the 2.6% rate, the MVA will be positive. To determine that adjustment precisely, you will have to use the formula described below.

Sample MVA Calculations
The precise MVA formula we apply is as follows:

Early surrender amount	×	[	(	1 + i	)	^(n/12)	–1	]	=	MVA
				1 + j + .001

Where i	=	rate earned in the GPA from which amounts are being transferred or surrendered.
j	=	current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).
n	=	number of months remaining in the current Guarantee Period (rounded up to the next month).

Examples — MVA

Using assumptions similar to those we used in the examples above:

•	You purchase a contract and allocate part of your purchase payment to the ten-year GPA; and
•	we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and
•	after three years, you decide to make a $1,000 surrender from your GPA. In other words, there are seven years left in your guarantee period.

Example 1: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. Using the formula above, we determine the MVA as follows:

$1,000	×	[	(	1.030	)	^(84/12)	–1	]	=	-$39.84
				1 + .035 + .001

In this example, the MVA is a negative $39.84.

Example 2: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. Using the formula above, we determine the MVA as follows:

$1,000	×	[	(	1.030	)	^(84/12)	–1	]	=	$27.61
				1 + .025 + .001

In this example, the MVA is a positive $27.61

82 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Appendix B: Example — Surrender Charges

Full surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA Advantage Plus contract with a ten-year surrender charge schedule with the following history:

•	we receive a single $100,000 purchase payment; and
•	you surrender the contract for its total value during the fourth contract year. The surrender charge percentage in the fourth year after a purchase payment is 7.0%; and
•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:

		Contract with Gain	Contract with Loss
	Contract Value at time of full surrender:	$120,000.00	$80,000.00
	Contract Value on prior anniversary:	115,000.00	85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:	20,000.00	0.00
	10% of the prior anniversary’s contract value:	11,500.00	8,500.00
	Total Free Amount:	20,000.00	8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:	20,000.00	8,500.00
	Earnings in the contract:	20,000.00	0.00
	Purchase Payments being Surrendered Free (PPF):	0.00	8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =	120,000.00	80,000.00	=	the amount of the surrender
	TFA =	20,000.00	8,500.00	=	the total free amount, step 1
	CV =	120,000.00	80,000.00	=	the contract value at the time of the surrender
	PR =	100%	100%	=	the premium ratio
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =	100%	100%	=	premium ratio, step 3
	PP =	100,000.00	100,000.00	=	purchase payments not previously surrendered
	PPF =	0.00	8,500.00	=	purchase payments being surrendered free, step 2
	CPP =	100,000.00	91,500.00
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:	100,000.00	91,500.00
	Surrender Charge Percentage:	7%	7%
	Surrender Charge:	7,000.00	6,405.00

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		Contract with Gain	Contract with Loss
Step 6.	We calculate the Net Surrender Value:	120,000.00	80,000.00
	Contract Value Surrendered:	(7,000.00)	(6,405.00)
	Contract Charge (assessed upon full surrender):	(30.00)	(30.00)
	Net Full Surrender Proceeds:	112,970.00	73,565.00

Partial surrender charge calculation — ten-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA Advantage Plus contract with a ten-year surrender charge schedule with the following history:

•	we receive a single $100,000 purchase payment; and
•	you request a gross partial surrender of $50,000 during the fourth contract year. The surrender charge percentage is 7.0%; and
•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:

		Contract with Gain	Contract with Loss
	Contract Value at time of partial surrender:	$120,000.00	$80,000.00
	Contract Value on prior anniversary:	115,000.00	85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:	20,000.00	0.00
	10% of the prior anniversary’s contract value:	11,500.00	8,500.00
	Total Free Amount:	20,000.00	8,500.00
Step 2.	We determine the TFA that is from Purchase Payments:
	Total Free Amount:	20,000.00	8,500.00
	Earnings in the contract:	20,000.00	0.00
	Purchase Payments being Surrendered Free (PPF):	0.00	8,500.00
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =	50,000.00	50,000.00	=	the amount of the surrender
	TFA =	20,000.00	8,500.00	=	the total free amount, step 1
	CV =	120,000.00	80,000.00	=	the contract value at the time of surrender
	PR =	30%	58%	=	the premium ratio

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		Contract with Gain	Contract with Loss
Step 4.	We calculate the Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =	30%	58%	=	premium ratio, step 3
	PP =	100,000.00	100,000.00	=	purchase payments not previously surrendered
	PPF =	0.00	8,500.00	=	purchase payments being surrendered free, step 2
	CPP =	30,000.00	53,108.39	=	chargeable purchase payments being surrendered
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:	30,000.00	53,108.39
	Surrender Charge Percentage:	7%	7%
	Surrender Charge:	2,100	3,718
Step 6.	We calculate the Net Surrender Value:
	Contract Value Surrendered:	50,000.00	50,000.00
	Surrender Charge:	(2,100.00)	(3,717.59)
	Net Partial Surrender Proceeds:	47,900.00	46,282.41

Full surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a full surrender on a RAVA Select Plus contract with a three-year surrender charge schedule with the following history:

•	we receive a single $100,000 purchase payment; and
•	you surrender the contract for its total value during the second contract year. The surrender charge percentage in the year after a purchase payment is 7.0%; and
•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:

		Contract with Gain	Contract with Loss
	Contract Value at time of full surrender:	$120,000.00	$80,000.00
	Contract Value on prior anniversary:	115,000.00	85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the Contract:	20,000.00	0.00
	10% of the prior anniversary’s contract value:	11,500.00	8,500.00
	Total Free Amount:	20,000.00	8,500.00
Step 2.	We determine the TFA and Amount Free that is from Purchase Payments:
	Total Free Amount:	20,000.00	8,500.00
	Earnings in the contract:	20,000.00	0.00
	Purchase Payments being Surrendered Free (PPF):	0.00	8,500.00

86 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

		Contract with Gain	Contract with Loss
Step 3.	We calculate the Premium Ratio (PR):
	PR = [WD – TFA] / [CV – TFA]
	WD =	120,000.00	80,000.00	=	the amount of the surrender
	TFA =	20,000.00	8,500.00	=	the total free amount, step 1
	CV =	120,000.00	80,000.00	=	the contract value at the time of the surrender
	PR =	100%	100%
Step 4.	We calculate Chargeable Purchase Payments being Surrendered (CPP):
	CPP = PR × (PP – PPF)
	PR =	100%	100%	=	premium ratio, step 3
	PP =	100,000.00	100,000.00	=	purchase payments not previously surrendered
	PPF =	0.00	8,500.00	=	purchase payments being surrendered free, step 2
	CPP =	100,000.00	91,500.00
Step 5.	We calculate the Surrender Charges:
	Chargeable Purchase Payments:	100,000.00	91,500.00
	Surrender Charge Percentage:	7%	7%
	Surrender Charge:	7,000.00	6,405.00
Step 6.	We calculate the Net Surrender Value:	120,000.00	80,000.00
	Contract Value Surrendered:	(7,000.00)	(6,405.00)
	Contract Charge (assessed upon full surrender):	(30.00)	(30.00)
	Net Full Surrender Proceeds:	112,970.00	73,565.00

Partial surrender charge calculation — three-year surrender charge schedule:

This is an example of how we calculate the surrender charge for a partial surrender on a RAVA Select Plus contract with a three-year surrender charge schedule with the following history:

•	we receive a single $100,000 purchase payment; and
•	you request a gross partial surrender of $50,000 during the second contract year. The surrender charge percentage is 7.0%; and
•	you have made no prior partial surrenders.

We will look at two situations, one where the contract has a gain and another where there is a loss:

		Contract with Gain	Contract with Loss
	Contract Value at time of partial surrender:	$120,000.00	$80,000.00
	Contract Value on prior anniversary:	115,000.00	85,000.00
Step 1.	We determine the Total Free Amount (TFA) available in the contract as the greatest of the earnings or 10% of the prior anniversary value:
	Earnings in the contract:	20,000.00	0.00
	10% of the prior anniversary’s contract value:	11,500.00	8,500.00
	Total Free Amount:	20,000.00	8,500.00

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 87

Appendix C: Example — Optional Benefits

Example — Accumulation Benefit

The following example shows how the Accumulation Benefit rider works based on hypothetical values. It is not intended to depict investment performance of the contract.

The example assumes:

•	You purchase the contract (with the Accumulation Benefit rider) with a payment of $100,000. No purchase payment credit applies.
•	You make no additional purchase payments.
•	You do not exercise the elective step-up option.
•	The Accumulation Benefit rider fee is 0.60%.

End of Contract Year	Assumed Net Rate of Return	Partial Surrender (Beginning of Year)	Adjusted Partial Surrender	MCAV	Accumulation Benefit Amount	Contract Value
1	12%	0	0	100,000	0	111,328
2	15%	0	0	102,422	0	127,259
3	3%	0	0	104,861	0	130,290
4	–8%	0	0	104,861	0	119,148
5	–15%	0	0	104,861	0	100,647
6	20%	2,000	2,084	102,778	0	117,666
7	15%	0	0	108,252	0	134,504
8	–10%	0	0	108,252	0	120,327
9	–20%	5,000	4,498	103,754	0	91,639
10	–12%	0	0	103,754	23,734	103,754

Example — Withdrawal Benefit

The following example shows how the Withdrawal Benefit rider works based on hypothetical values. It is not intended to depict investment performance of the contract.

The example assumes:

•	You purchase the RAVA Select Plus contract (with the Withdrawal Benefit rider) with a payment of $100,000. No purchase payment credit applies.
•	You make no additional purchase payments.
•	The contract earns a net return of –5%.
•	The Withdrawal Benefit rider fee is 0.60%.
•	You take withdrawals equal to the GBP (which is 7% of the GBA or $7,000) at the beginning of each contract year until the RBA is exhausted.

Contract Year	Contract Value (Beginning of Year)	Withdrawal (Beginning of Year)	Contract Value (End of Year)	GBA	RBA
1	$ 100,000	$ 7,000	$ 87,820	$ 100,000	$ 93,000
2	87,820	7,000	76,318	100,000	86,000
3	76,318	7,000	65,457	100,000	79,000
4	65,457	7,000	55,201	100,000	72,000
5	55,201	7,000	45,516	100,000	65,000
6	45,516	7,000	36,371	100,000	58,000
7	36,371	7,000	27,735	100,000	51,000
8	27,735	7,000	19,550	100,000	44,000
9	19,550	7,000	11,821	100,000	37,000
10	11,821	7,000	4,523	100,000	30,000
11	4,523	7,000	0	100,000	23,000
12	0	7,000	0	100,000	16,000
13	0	7,000	0	100,000	9,000
14	0	7,000	0	100,000	2,000
15	0	2,000	0	100,000	0

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 89

Example — ROPP Death Benefit

•	You purchase the contract (with the ROPP rider) with a payment of $20,000.
•	The contract value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a contract value of $16,500.

We calculate the death benefit as follows:
	The total purchase payments minus adjustments for partial surrenders:
	Total purchase payments		$20,000
	minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000	=	–1,667
	$18,000	=
	for a death benefit of:		$18,333

Example — MAV Death Benefit

•	You purchase the contract (with the MAV rider) with a payment of $20,000.
•	On the first contract anniversary the contract value grows to $24,000.
•	During the second contract year the contract value falls to $22,000, at which point you take a $1,500 partial surrender, leaving a contract value of $20,500.

We calculate the death benefit as follows:
	The maximum anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your contract anniversary contract values:		$24,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	$1,500 × $24,000	=	–1,636
	$22,000	=
	for a death benefit of:		$22,364

Example — 5-Year MAV Death Benefit

•	You purchase the contract (with the 5-Year MAV rider) with a payment of $20,000.
•	On the fifth contract anniversary the contract value grows to $30,000.
•	During the sixth contract year the contract value falls to $25,000, at which point you take a $1,500 partial surrender, leaving a contract value of $23,500.

We calculate the death benefit as follows:
	The maximum 5-year anniversary value immediately preceding the date of death plus any payments made since that anniversary minus adjusted partial surrenders:
	Greatest of your 5-year contract anniversary contract values:		$30,000
	plus purchase payments made since that anniversary:		+0
	minus adjusted partial surrenders, calculated as:
	$1,500 × $30,000	=	–1,800
	$25,000	=
	for a death benefit of:		$28,200

Example — EEB Death Benefit

•	You purchase the contract with a payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEB.
•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so the EEB does not provide any additional benefit at this time.
•	On the first contract anniversary the contract value grows to $110,000. The death benefit equals:

MAV death benefit amount (contract value):	$110,000
plus the EEB which equals 40% of earnings at death (MAV death benefit amount minus payments not previously surrendered):
0.40 × ($110,000 – $100,000) =	+4,000

90 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Total death benefit of:

$114,000

•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:

MAV death benefit amount (maximum anniversary value):	$110,000
plus the EEB (40% of earnings at death):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 – $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):
$110,000 –	($50,000 × $110,000)	=	$57,619
	$105,000
plus the EEB (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048
Total death benefit of:			$58,667

•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $58,667. The reduction in contract value has no effect.
•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. The death benefit equals:

MAV death benefit amount (contract value):	$200,000
plus the EEB (40% of earnings at death)
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$255,000

•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on the EEB. The death benefit equals:

MAV death benefit amount (contract value less purchase payment credits reversed)	$250,000
plus the EEB (40% of earnings at death)
0.40 × 2.50 × ($55,000) =	+55,000
Total death benefit of:	$305,000

•	During the eleventh contract year the contract value remains $250,500 and the “new” purchase payment is now one year old. The value of the EEB changes. The death benefit equals:

MAV death benefit amount (contract value):	$250,500
plus the EEB which equals 40% of earnings at death (the standard death benefit amount minus payments not previously surrendered):
0.40 × ($250,500 – $105,000) =	+58,200
Total death benefit of:	$ 308,700

Example — EEP Death Benefit

•	You purchase the contract with an exchange purchase payment of $100,000 and you are under age 70. You select the seven-year surrender charge schedule, the MAV and the EEP.
•	During the first contract year the contract value grows to $105,000. The death benefit equals the standard death benefit amount, which is the contract value less purchase payment credits reversed, or $104,000. You have not reached the first contract anniversary so neither the EEP Part I nor Part II provides any additional benefit at this time.
•	On the first contract anniversary the contract value grows to $110,000. You have not reached the second contract anniversary so the EEP Part II does not provide any additional benefit at this time. The death benefit equals:

MAV death benefit amount (contract value):

$110,000

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 91

plus the EEP Part I which equals 40% of earnings at death (the MAV death benefit amount minus purchase payments not previously surrendered):
0.40 × ($110,000 – $100,000) =	+4,000
Total death benefit of:	$114,000

•	On the second contract anniversary the contract value falls to $105,000. The death benefit equals:

MAV death benefit amount (maximum anniversary value):	$110,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($110,000 – $100,000) =	+4,000
plus the EEP Part II which in the third contract year
equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $100,000 =	+10,000
Total death benefit of:	$124,000

•

During the third contract year the contract value remains at $105,000 and you request a partial surrender, including the applicable 7% surrender charge, of $50,000. We will surrender $10,500 from your contract value free of charge (10% of your prior anniversary’s contract value). The remainder of the surrender is subject to a 7% surrender charge because your purchase payment is two years old, so we will surrender $39,500 ($36,735 + $2,765 in surrender charges) from your contract value. Altogether, we will surrender $50,000 and pay you $47,235. We calculate purchase payments not previously surrendered as $100,000 - $45,000 = $55,000 (remember that $5,000 of the partial surrender is contract earnings). The death benefit equals:

MAV death benefit amount (maximum anniversary value adjusted for partial surrenders):
$110,000 –	($50,000 × $110,000)	=	$57,619
	$105,000
plus the EEP Part I (40% of earnings at death):
0.40 × ($57,619 – $55,000) =			+1,048
plus the EEP Part II which in the third contract year
equals 10% of exchange purchase payments identified at issue and not previously surrendered:
0.10 × $55,000 =			+5,500
Total death benefit of:			$64,167

•	On the third contract anniversary the contract value falls by $40,000. The death benefit remains at $64,167. The reduction in contract value has no effect.
•	On the ninth contract anniversary the contract value grows to a new high of $200,000. Earnings at death reaches its maximum of 250% of purchase payments not previously surrendered that are one or more years old. Because we are beyond the fourth contract anniversary the EEP also reaches its maximum of 20%. The death benefit equals:

MAV death benefit amount (contract value):	$200,000
plus the EEP Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =	+55,000
plus the EEP Part II which after the fourth contract year equals 20% of exchange purchase payments identified at issue and not previously surrendered: 0.20 × $55,000 =	+11,000
Total death benefit of:	$266,000

•	During the tenth contract year you make an additional purchase payment of $50,000 and your contract value grows to $250,500. The new purchase payment is less than one year old and so it has no effect on either the EEP Part I or EEP Part II. The death benefit equals:

MAV death benefit amount (contract value less purchase payment credits reversed):	$250,000
plus the EEP Part I (40% of earnings at death)
.40 × (2.50 × $55,000) =	+55,000
plus the EEP Part II, which after the fourth contract year equals 20% of exchange purchase payments identified at issue and Not previously surrendered: 0.20 × $55,000 =	+11,000
Total death benefit of:	$316,000

92 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Appendix D: Example — Withdrawal Benefit Riders: Electing Step-up or Spousal Continuation Step-up

Assumptions:

This example assumes that the covered person (for joint life, younger covered spouse) is 65 or older and there are no additional purchase payments or withdrawals.

•	You own a RiverSource variable annuity with a withdrawal benefit rider. You are currently invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2) (a Portfolio Navigator fund) with a current rider fee of 0.65%.

Your Contract Value (CV) is $100,000 and your withdrawal benefit rider currently provides the following benefits:

1)	You can withdraw $6,000 a year for the rest of your life. This is your Annual Lifetime Payment, or
2)	You can withdraw $7,000 a year until you have withdrawn a total of $100,000. This is your Guaranteed Benefit Payment.

Based on your current CV, you will pay a rider fee of approximately $650 on your next annuity contract anniversary.

•	The annual fee for this rider has increased to 0.95% for clients invested in the Variable Portfolio — Moderately Aggressive Portfolio (Class 2).
	The following compares certain options available to you. Changes to rider values or fees are presented for two different scenarios where your CV increases to either $110,000 or $101,000 over the contract year:

1)	Elect to lock in your contract gains to your benefit values (step-up):

	CV of $110,000	CV of $101,000
Increase in Annual Lifetime Payment	$600	$ 60
Increase in Guaranteed Benefit Payment	$700	$70
Increase in Annual Rider Fee	0.30%	0.30%
Increase in Annual Contract Charge	$330	$303

Automatic Step-ups will continue on your next anniversary (if available under your rider).

2)	Do not elect to lock in your contract gains (no step-up):

	CV of $110,000	CV of $101,000
Increase in Annual Lifetime Payment	$0	$0
Increase in Guaranteed Benefit Payment	$0	$0
Increase in Annual Rider Fee	0%	0%
Increase in Annual Contract Charge	$65	$6.50

Your rider fee will not change, although the dollar amount of your annual charge will change as your CV changes. On your next anniversary, you will again have the option to elect the step-up (lock in contract gains)

3)	Move to one of the Portfolio Stabilizer funds and elect the step-up:

	CV of $110,000	CV of $101,000
Increase in Annual Lifetime Payment	$600	$60
Increase in Guaranteed Benefit Payment	$700	$70
Increase in Annual Rider Fee	0%	0%
Increase in Annual Contract Charge	$65	$6.50

Your rider fee will not change, although the dollar amount of your annual charge will change as your CV changes. Automatic Step-ups will continue on your next anniversary (if available under your rider).

The above example is for illustrative purposes only. The assumptions and calculations used are not intended to be consistent with any one rider, but instead are intended to provide an idea of how different scenarios would operate. Your specific rider may use different calculations for fees or have different benefits available. For a full description and rules applicable to step-up options under your rider, please see the “Optional Living Benefits” section.

Electing to step-up may result in different increases to the annual rider charge relative to the increase in your rider values. You should weigh the resulting increased charge due to the step-up versus the increases to your benefits to determine the option that is best for you.

94 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Appendix E: Condensed Financial Information (Unaudited)

Variable account charges of 0.55% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.17	$1.27	$1.12	$1.09	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.34	$1.17	$1.27	$1.12	$1.09	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	67	70	68	69	39	46	33	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.71	$1.91	$1.41	$1.43	$1.40	$1.34	$1.10	$0.97	$1.28	$1.08
Accumulation unit value at end of period	$2.20	$1.71	$1.91	$1.41	$1.43	$1.40	$1.34	$1.10	$0.97	$1.28
Number of accumulation units outstanding at end of period (000 omitted)	13	13	11	22	24	34	37	48	60	76

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.39	$2.55	$2.16	$1.96	$1.94	$1.79	$1.33	$1.14	$1.08	$0.97
Accumulation unit value at end of period	$2.94	$2.39	$2.55	$2.16	$1.96	$1.94	$1.79	$1.33	$1.14	$1.08
Number of accumulation units outstanding at end of period (000 omitted)	228	158	189	201	243	196	213	310	314	321

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.70	$2.23	$1.79	$1.81	$1.78	$1.91	$1.57	$1.38	$1.72	$1.66
Accumulation unit value at end of period	$1.98	$1.70	$2.23	$1.79	$1.81	$1.78	$1.91	$1.57	$1.38	$1.72
Number of accumulation units outstanding at end of period (000 omitted)	278	331	314	356	518	527	675	856	982	1,076

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.82	$1.01	$1.03	$0.73	$1.19	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.82	$1.01	$1.03	$0.73	$1.19	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	218	304	286	318	513	440	223	—	—	—

American Century VP International, Class II (8/13/2001)
Accumulation unit value at beginning of period	$1.72	$2.04	$1.57	$1.67	$1.67	$1.78	$1.47	$1.22	$1.39	$1.24
Accumulation unit value at end of period	$2.19	$1.72	$2.04	$1.57	$1.67	$1.67	$1.78	$1.47	$1.22	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	48	216	211	312	286	281	141	48	48	65

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$2.02	$2.34	$2.11	$1.73	$1.76	$1.53	$1.18	$1.02	$1.04	$0.88
Accumulation unit value at end of period	$2.59	$2.02	$2.34	$2.11	$1.73	$1.76	$1.53	$1.18	$1.02	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	154	185	259	217	155	425	445	385	101	153

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.60	$2.60	$1.98	$1.91	$1.81	$1.65	$1.21	$1.07	$1.07	$0.93
Accumulation unit value at end of period	$3.47	$2.60	$2.60	$1.98	$1.91	$1.81	$1.65	$1.21	$1.07	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	96	165	160	164	199	189	81	80	98	73

American Century VP Value, Class II (8/13/2001)
Accumulation unit value at beginning of period	$2.75	$3.05	$2.82	$2.36	$2.47	$2.20	$1.68	$1.48	$1.47	$1.31
Accumulation unit value at end of period	$3.47	$2.75	$3.05	$2.82	$2.36	$2.47	$2.20	$1.68	$1.48	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	116	152	156	198	296	329	374	431	570	525

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.26	$1.37	$1.21	$1.17	$1.19	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.47	$1.26	$1.37	$1.21	$1.17	$1.19	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	65	106	167	96	82	155	130	103	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.81	$1.87	$1.68	$1.56	$1.61	$1.47	$1.26	$1.14	$1.10	$0.99
Accumulation unit value at end of period	$2.24	$1.81	$1.87	$1.68	$1.56	$1.61	$1.47	$1.26	$1.14	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	158	—	—	—	2	2	2	5	6	6

ClearBridge Variable Small Cap Growth Portfolio – Class I (4/27/2007)
Accumulation unit value at beginning of period	$2.45	$2.38	$1.93	$1.83	$1.93	$1.86	$1.27	$1.07	$1.06	$0.85
Accumulation unit value at end of period	$3.09	$2.45	$2.38	$1.93	$1.83	$1.93	$1.86	$1.27	$1.07	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	77	146	117	113	107	101	46	73	49	109

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.13	$2.27	$1.99	$1.88	$1.86	$1.70	$1.41	$1.24	$1.22	$1.09
Accumulation unit value at end of period	$2.59	$2.13	$2.27	$1.99	$1.88	$1.86	$1.70	$1.41	$1.24	$1.22
Number of accumulation units outstanding at end of period (000 omitted)	643	605	734	750	530	441	428	363	580	634

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 95

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.53	$0.62	$0.61	$0.55	$0.73	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.57	$0.53	$0.62	$0.61	$0.55	$0.73	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	46	73	40	34	4	1	—	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.64	$1.82	$1.50	$1.39	$1.36	$1.22	$1.00	—	—	—
Accumulation unit value at end of period	$2.17	$1.64	$1.82	$1.50	$1.39	$1.36	$1.22	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	190	238	352	374	385	191	42	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.89	$1.97	$1.60	$1.49	$1.49	$1.30	$0.97	$0.86	$0.82	$0.70
Accumulation unit value at end of period	$2.34	$1.89	$1.97	$1.60	$1.49	$1.49	$1.30	$0.97	$0.86	$0.82
Number of accumulation units outstanding at end of period (000 omitted)	164	216	197	261	366	359	386	508	464	565

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.82	$0.90	$0.89	$0.91	$0.93	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.83	$0.82	$0.90	$0.89	$0.91	$0.93	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3	9	16	24	43	1	1	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.93	$3.13	$2.76	$2.44	$2.53	$2.31	$1.83	$1.62	$1.71	$1.47
Accumulation unit value at end of period	$3.62	$2.93	$3.13	$2.76	$2.44	$2.53	$2.31	$1.83	$1.62	$1.71
Number of accumulation units outstanding at end of period (000 omitted)	533	790	875	953	1,139	1,308	1,443	1,536	1,770	2,153

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.01	$1.10	$0.99	$0.90	$0.91	$0.91	$1.00	—	—	—
Accumulation unit value at end of period	$1.13	$1.01	$1.10	$0.99	$0.90	$0.91	$0.91	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	850	634	450	124	101	89	43	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.65	$3.40	$2.32	$2.23	$2.46	$2.53	$2.59	$2.16	$2.75	$2.31
Accumulation unit value at end of period	$3.46	$2.65	$3.40	$2.32	$2.23	$2.46	$2.53	$2.59	$2.16	$2.75
Number of accumulation units outstanding at end of period (000 omitted)	453	581	635	574	695	703	738	743	843	1,028

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.67	$1.78	$1.69	$1.72	$1.84	$1.84	$2.01	$1.90	$1.82	$1.72
Accumulation unit value at end of period	$1.85	$1.67	$1.78	$1.69	$1.72	$1.84	$1.84	$2.01	$1.90	$1.82
Number of accumulation units outstanding at end of period (000 omitted)	184	199	235	349	392	578	726	1,005	1,122	1,599

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.20	$1.19	$1.19	$1.20	$1.21	$1.21	$1.22	$1.23	$1.23	$1.24
Accumulation unit value at end of period	$1.22	$1.20	$1.19	$1.19	$1.20	$1.21	$1.21	$1.22	$1.23	$1.23
Number of accumulation units outstanding at end of period (000 omitted)	268	3,187	2,776	243	493	825	441	309	514	613

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.64	$2.77	$2.62	$2.36	$2.40	$2.32	$2.20	$1.91	$1.82	$1.61
Accumulation unit value at end of period	$3.07	$2.64	$2.77	$2.62	$2.36	$2.40	$2.32	$2.20	$1.91	$1.82
Number of accumulation units outstanding at end of period (000 omitted)	316	455	477	540	650	740	847	722	695	706

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.15	$2.25	$2.13	$1.93	$1.96	$1.90	$1.82	$1.59	$1.51	$1.34
Accumulation unit value at end of period	$2.49	$2.15	$2.25	$2.13	$1.93	$1.96	$1.90	$1.82	$1.59	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	353	525	717	968	934	984	924	2,007	1,306	1,132

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.00	$2.01	$1.95	$1.87	$1.88	$1.79	$1.85	$1.73	$1.63	$1.51
Accumulation unit value at end of period	$2.17	$2.00	$2.01	$1.95	$1.87	$1.88	$1.79	$1.85	$1.73	$1.63
Number of accumulation units outstanding at end of period (000 omitted)	690	585	605	648	976	1,053	1,574	2,726	2,923	3,828

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.48	$1.55	$1.22	$1.21	$1.12	$0.99	$0.76	$0.64	$0.66	$0.57
Accumulation unit value at end of period	$2.00	$1.48	$1.55	$1.22	$1.21	$1.12	$0.99	$0.76	$0.64	$0.66
Number of accumulation units outstanding at end of period (000 omitted)	640	784	812	837	1,330	1,230	1,278	1,240	1,358	1,192

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.05	$2.16	$1.79	$1.62	$1.61	$1.43	$1.09	$0.95	$0.94	$0.83
Accumulation unit value at end of period	$2.67	$2.05	$2.16	$1.79	$1.62	$1.61	$1.43	$1.09	$0.95	$0.94
Number of accumulation units outstanding at end of period (000 omitted)	221	210	247	265	774	255	185	209	127	314

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.97	$0.98	$0.96	$0.92	$0.95	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.04	$0.97	$0.98	$0.96	$0.92	$0.95	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	208	13	79	37	48	—	—	—	—	—

96 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.05	$1.12	$1.01	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.05	$1.12	$1.01	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1	13	63	98	83	189	—	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.53	$2.68	$2.19	$2.16	$2.06	$1.93	$1.48	$1.34	$1.58	$1.26
Accumulation unit value at end of period	$3.40	$2.53	$2.68	$2.19	$2.16	$2.06	$1.93	$1.48	$1.34	$1.58
Number of accumulation units outstanding at end of period (000 omitted)	90	110	76	74	77	72	90	128	124	238

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.25	$1.51	$1.20	$1.28	$1.23	$1.35	$1.11	$0.95	$1.09	$0.96
Accumulation unit value at end of period	$1.56	$1.25	$1.51	$1.20	$1.28	$1.23	$1.35	$1.11	$0.95	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	206	443	450	658	411	396	323	346	363	399

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.50	$2.87	$2.38	$2.00	$2.12	$1.91	$1.40	$1.18	$1.21	$1.01
Accumulation unit value at end of period	$3.14	$2.50	$2.87	$2.38	$2.00	$2.12	$1.91	$1.40	$1.18	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	70	70	52	115	211	272	282	205	198	120

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.39	$2.78	$2.46	$2.17	$2.30	$2.06	$1.50	$1.28	$1.40	$1.15
Accumulation unit value at end of period	$3.13	$2.39	$2.78	$2.46	$2.17	$2.30	$2.06	$1.50	$1.28	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	185	223	224	259	342	346	370	385	467	338

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$3.19	$3.67	$3.29	$2.91	$3.02	$2.87	$1.94	$1.66	$1.82	$1.44
Accumulation unit value at end of period	$3.73	$3.19	$3.67	$3.29	$2.91	$3.02	$2.87	$1.94	$1.66	$1.82
Number of accumulation units outstanding at end of period (000 omitted)	30	81	87	98	100	176	127	126	152	71

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.55	$1.54	$1.50	$1.47	$1.46	$1.39	$1.42	$1.41	$1.39	$1.36
Accumulation unit value at end of period	$1.65	$1.55	$1.54	$1.50	$1.47	$1.46	$1.39	$1.42	$1.41	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	68	56	101	530	984	1,089	234	494	1,843	1,670

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.47	$0.54	$0.53	$0.48	$0.64	$0.78	$0.87	$0.90	$1.03	$0.89
Accumulation unit value at end of period	$0.50	$0.47	$0.54	$0.53	$0.48	$0.64	$0.78	$0.87	$0.90	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	254	364	386	429	460	478	635	624	617	533

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.92	$1.00	$1.02	$1.12	$1.13	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.92	$0.92	$1.00	$1.02	$1.12	$1.13	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	213	356	410	429	248	52	32	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.55	$1.56	$1.53	$1.42	$1.45	$1.34	$1.43	$1.36	$1.24	$1.20
Accumulation unit value at end of period	$1.66	$1.55	$1.56	$1.53	$1.42	$1.45	$1.34	$1.43	$1.36	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	486	361	399	416	465	466	581	768	1,132	1,988

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.06	$1.27	$1.04	$1.00	$1.05	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.06	$1.27	$1.04	$1.00	$1.05	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5	17	60	26	281	10	3	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.36	$1.40	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.78	$1.36	$1.40	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	404	541	507	618	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.84	$3.18	$2.76	$2.30	$2.31	$2.07	$1.53	$1.32	$1.42	$1.17
Accumulation unit value at end of period	$3.62	$2.84	$3.18	$2.76	$2.30	$2.31	$2.07	$1.53	$1.32	$1.42
Number of accumulation units outstanding at end of period (000 omitted)	136	93	83	140	143	132	173	125	127	115

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$1.00	$1.00	$1.00	$1.00	$1.00	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	13	23	17	4	1	110	—	—	—	—

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.96	$1.07	$1.00	$0.96	$1.03	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.09	$0.96	$1.07	$1.00	$0.96	$1.03	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	19	19	27	84	221	265	160	60	—	—

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 97

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.44	$1.45	$1.41	$1.30	$1.32	$1.32	$1.28	$1.20	$1.18	$1.08
Accumulation unit value at end of period	$1.54	$1.44	$1.45	$1.41	$1.30	$1.32	$1.32	$1.28	$1.20	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	1,509	1,650	1,997	2,210	1,326	1,701	3,678	1,490	1,730	1,433

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$2.09	$2.25	$1.86	$1.74	$1.74	$1.57	$1.20	$1.04	$1.08	$0.93
Accumulation unit value at end of period	$2.73	$2.09	$2.25	$1.86	$1.74	$1.74	$1.57	$1.20	$1.04	$1.08
Number of accumulation units outstanding at end of period (000 omitted)	807	923	1,064	1,286	1,842	1,783	1,861	2,280	2,496	2,532

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.38	$2.63	$2.27	$1.97	$2.03	$1.85	$1.40	$1.19	$1.18	$1.04
Accumulation unit value at end of period	$3.07	$2.38	$2.63	$2.27	$1.97	$2.03	$1.85	$1.40	$1.19	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	73	84	98	102	117	148	338	454	438	473

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$4.06	$4.79	$4.00	$3.59	$3.67	$3.48	$2.58	$2.26	$2.55	$1.99
Accumulation unit value at end of period	$4.97	$4.06	$4.79	$4.00	$3.59	$3.67	$3.48	$2.58	$2.26	$2.55
Number of accumulation units outstanding at end of period (000 omitted)	289	459	505	589	823	762	894	1,062	1,077	1,379

Fidelity^® VIP Overseas Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$1.86	$2.20	$1.71	$1.81	$1.76	$1.93	$1.49	$1.25	$1.52	$1.35
Accumulation unit value at end of period	$2.36	$1.86	$2.20	$1.71	$1.81	$1.76	$1.93	$1.49	$1.25	$1.52
Number of accumulation units outstanding at end of period (000 omitted)	148	201	215	212	343	320	359	344	464	548

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.10	$1.14	$1.06	$0.99	$1.01	$0.99	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.10	$1.14	$1.06	$0.99	$1.01	$0.99	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	711	323	240	44	91	43	59	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.96	$3.20	$2.91	$2.91	$2.91	$2.54	$2.50	$1.97	$2.10	$1.75
Accumulation unit value at end of period	$3.61	$2.96	$3.20	$2.91	$2.91	$2.91	$2.54	$2.50	$1.97	$2.10
Number of accumulation units outstanding at end of period (000 omitted)	124	200	216	347	369	255	182	170	163	203

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.22	$1.28	$1.17	$1.03	$1.12	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.40	$1.22	$1.28	$1.17	$1.03	$1.12	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	54	69	112	143	318	271	25	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.20	$2.44	$2.26	$1.96	$2.07	$1.95	$1.53	$1.34	$1.36	$1.23
Accumulation unit value at end of period	$2.69	$2.20	$2.44	$2.26	$1.96	$2.07	$1.95	$1.53	$1.34	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	43	117	171	172	205	163	147	255	264	354

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.58	$5.28	$4.80	$3.71	$4.03	$4.02	$2.97	$2.52	$2.64	$2.07
Accumulation unit value at end of period	$5.75	$4.58	$5.28	$4.80	$3.71	$4.03	$4.02	$2.97	$2.52	$2.64
Number of accumulation units outstanding at end of period (000 omitted)	128	172	180	215	221	321	286	301	212	215

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.71	$5.29	$4.79	$4.24	$4.69	$4.15	$3.14	$2.67	$2.86	$2.30
Accumulation unit value at end of period	$6.16	$4.71	$5.29	$4.79	$4.24	$4.69	$4.15	$3.14	$2.67	$2.86
Number of accumulation units outstanding at end of period (000 omitted)	189	244	261	313	383	393	406	448	611	738

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.96	$0.91	$0.92	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.95	$0.88	$0.96	$0.91	$0.92	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	196	278	389	410	410	54	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.30	$2.46	$2.00	$1.81	$1.82	$1.57	$1.15	$1.01	$0.98	$0.87
Accumulation unit value at end of period	$2.86	$2.30	$2.46	$2.00	$1.81	$1.82	$1.57	$1.15	$1.01	$0.98
Number of accumulation units outstanding at end of period (000 omitted)	275	426	415	329	405	495	466	546	592	745

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.57	$2.98	$2.20	$2.21	$2.15	$2.12	$1.67	$1.39	$1.53	$1.33
Accumulation unit value at end of period	$3.36	$2.57	$2.98	$2.20	$2.21	$2.15	$2.12	$1.67	$1.39	$1.53
Number of accumulation units outstanding at end of period (000 omitted)	201	233	205	305	381	389	443	349	429	524

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.69	$1.78	$1.69	$1.60	$1.65	$1.62	$1.63	$1.45	$1.45	$1.27
Accumulation unit value at end of period	$1.86	$1.69	$1.78	$1.69	$1.60	$1.65	$1.62	$1.63	$1.45	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	829	964	986	1,236	1,552	2,503	2,994	3,277	3,125	3,938

98 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.81	$3.16	$2.79	$2.39	$2.55	$2.30	$1.64	$1.41	$1.45	$1.18
Accumulation unit value at end of period	$3.53	$2.81	$3.16	$2.79	$2.39	$2.55	$2.30	$1.64	$1.41	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	197	206	229	206	335	342	337	360	394	368

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.85	$1.94	$1.53	$1.51	$1.45	$1.35	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.51	$1.85	$1.94	$1.53	$1.51	$1.45	$1.35	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	36	54	51	29	28	40	78	283	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.11	$1.19	$1.09	$0.99	$1.04	$0.99	$1.00	—	—	—
Accumulation unit value at end of period	$1.27	$1.11	$1.19	$1.09	$0.99	$1.04	$0.99	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	197	206	206	291	313	316	130	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.34	$2.69	$2.30	$1.97	$2.12	$1.95	$1.45	$1.22	$1.26	$1.09
Accumulation unit value at end of period	$2.91	$2.34	$2.69	$2.30	$1.97	$2.12	$1.95	$1.45	$1.22	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	293	420	430	507	519	554	557	670	788	719

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.83	$1.99	$1.84	$1.61	$1.59	$1.42	$1.09	$0.92	$1.00	—
Accumulation unit value at end of period	$2.27	$1.83	$1.99	$1.84	$1.61	$1.59	$1.42	$1.09	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	82	99	157	127	145	160	191	149	100	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.26	$2.25	$1.96	$2.23	$2.18	$1.84	$1.32	$1.10	$1.07	$1.02
Accumulation unit value at end of period	$2.96	$2.26	$2.25	$1.96	$2.23	$2.18	$1.84	$1.32	$1.10	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	225	302	282	278	288	158	149	117	103	132

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.72	$2.04	$1.67	$1.69	$1.75	$1.76	$1.49	$1.30	$1.40	$1.25
Accumulation unit value at end of period	$2.20	$1.72	$2.04	$1.67	$1.69	$1.75	$1.76	$1.49	$1.30	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	175	228	289	290	372	272	249	273	294	380

Invesco V.I. Mid Cap Growth Fund, Series II Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.63	$1.74	$1.43	$1.43	$1.42	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.17	$1.63	$1.74	$1.43	$1.43	$1.42	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	103	84	83	91	125	92	63	50	—	—
*Invesco V.I. Mid Cap Growth Fund, Series II Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series II Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.81	$1.82	$1.36	$1.38	$1.29	$1.17	$0.94	$0.85	$0.90	$0.75
Accumulation unit value at end of period	$2.44	$1.81	$1.82	$1.36	$1.38	$1.29	$1.17	$0.94	$0.85	$0.90
Number of accumulation units outstanding at end of period (000 omitted)	382	391	331	321	368	435	445	477	506	618

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.11	$1.18	$1.00	$1.04	$1.14	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$1.34	$1.11	$1.18	$1.00	$1.04	$1.14	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	117	16	14	14	154	148	142	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	309	199	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.05	$1.07	$1.04	$1.02	$1.03	$0.99	$1.00	—	—	—
Accumulation unit value at end of period	$1.14	$1.05	$1.07	$1.04	$1.02	$1.03	$0.99	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	28	28	46	189	210	208	—	—	—	—

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$2.00	$2.07	$1.63	$1.63	$1.56	$1.39	$1.08	$0.92	$0.98	$0.86
Accumulation unit value at end of period	$2.68	$2.00	$2.07	$1.63	$1.63	$1.56	$1.39	$1.08	$0.92	$0.98
Number of accumulation units outstanding at end of period (000 omitted)	104	148	176	246	309	266	328	387	461	568

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.30	$1.40	$1.17	$1.14	$1.15	$1.13	$1.00	—	—	—
Accumulation unit value at end of period	$1.53	$1.30	$1.40	$1.17	$1.14	$1.15	$1.13	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	117	131	127	116	90	44	6	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.31	$1.31	$1.03	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.82	$1.31	$1.31	$1.03	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	177	100	144	172	143	—	—	—	—	—

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 99

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.41	$2.47	$1.97	$1.82	$1.87	$2.03	$1.44	$1.20	$1.35	$1.00
Accumulation unit value at end of period	$3.39	$2.41	$2.47	$1.97	$1.82	$1.87	$2.03	$1.44	$1.20	$1.35
Number of accumulation units outstanding at end of period (000 omitted)	123	82	83	148	158	156	173	89	131	102

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.59	$3.59	$3.15	$2.85	$3.36	$3.00	$2.51	$2.23	$2.11	$1.86
Accumulation unit value at end of period	$4.46	$3.59	$3.59	$3.15	$2.85	$3.36	$3.00	$2.51	$2.23	$2.11
Number of accumulation units outstanding at end of period (000 omitted)	210	296	323	386	518	601	684	584	543	500

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.33	$2.12	$1.54	$1.70	$1.81	$1.79	$1.31	$1.21	$1.31	$1.00
Accumulation unit value at end of period	$3.24	$2.33	$2.12	$1.54	$1.70	$1.81	$1.79	$1.31	$1.21	$1.31
Number of accumulation units outstanding at end of period (000 omitted)	143	112	116	125	131	172	192	241	300	317

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.41	$1.55	$1.42	$1.38	$1.41	$1.25	$1.22	$0.94	$1.06	$0.87
Accumulation unit value at end of period	$1.66	$1.41	$1.55	$1.42	$1.38	$1.41	$1.25	$1.22	$0.94	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	138	203	205	219	346	337	343	314	467	451

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.10	$1.34	$1.06	$1.09	$1.07	$1.12	$0.95	$0.81	$0.93	$0.76
Accumulation unit value at end of period	$1.40	$1.10	$1.34	$1.06	$1.09	$1.07	$1.12	$0.95	$0.81	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	57	78	102	254	307	299	275	165	154	142

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.91	$0.98	$0.92	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.04	$0.91	$0.98	$0.92	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	79	77	78	77	30	1	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.58	$1.68	$1.49	$1.33	$1.47	$1.47	$1.48	$1.29	$1.27	$1.13
Accumulation unit value at end of period	$1.75	$1.58	$1.68	$1.49	$1.33	$1.47	$1.47	$1.48	$1.29	$1.27
Number of accumulation units outstanding at end of period (000 omitted)	183	194	192	218	279	321	414	688	700	590

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.08	$1.15	$1.01	$0.98	$0.99	$0.95	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.25	$1.08	$1.15	$1.01	$0.98	$0.99	$0.95	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4	4	4	4	4	4	4	54	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.05	$1.06	$1.02	$1.00	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.13	$1.05	$1.06	$1.02	$1.00	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	476	33	58	71	68	63	—	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$2.68	$2.71	$2.36	$2.68	$2.50	$1.97	$1.40	$1.15	$1.17	$1.15
Accumulation unit value at end of period	$3.47	$2.68	$2.71	$2.36	$2.68	$2.50	$1.97	$1.40	$1.15	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	113	141	163	147	162	113	104	52	50	40

Putnam VT International Equity Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.55	$1.93	$1.53	$1.58	$1.59	$1.71	$1.34	$1.11	$1.34	$1.23
Accumulation unit value at end of period	$1.93	$1.55	$1.93	$1.53	$1.58	$1.59	$1.71	$1.34	$1.11	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	33	44	52	69	86	30	24	20	24	32

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.54	$2.60	$2.02	$1.88	$1.90	$1.68	$1.24	$1.07	$1.13	$1.00
Accumulation unit value at end of period	$3.45	$2.54	$2.60	$2.02	$1.88	$1.90	$1.68	$1.24	$1.07	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	39	21	18	18	16	33	30	123	123	139

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.00	$0.98	$0.97	$0.95	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.01	$1.00	$0.98	$0.97	$0.95	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	105	146	172	93	92	159	108	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.74	$0.88	$0.80	$0.54	$0.72	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.02	$0.74	$0.88	$0.80	$0.54	$0.72	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	68	73	120	128	159	219	180	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.73	$1.90	$1.61	$1.52	$1.54	$1.47	$1.23	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.09	$1.73	$1.90	$1.61	$1.52	$1.54	$1.47	$1.23	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	1,349	1,471	1,549	1,572	1,799	1,788	1,803	1,277	1,257	395

100 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.73	$1.90	$1.61	$1.53	$1.55	$1.47	$1.23	$1.09	$1.12	$1.00
Accumulation unit value at end of period	$2.09	$1.73	$1.90	$1.61	$1.53	$1.55	$1.47	$1.23	$1.09	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	2,360	2,702	2,962	4,054	6,778	9,239	15,408	16,382	18,860	26,354

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.29	$1.33	$1.25	$1.21	$1.22	$1.18	$1.15	$1.08	$1.05	$1.00
Accumulation unit value at end of period	$1.42	$1.29	$1.33	$1.25	$1.21	$1.22	$1.18	$1.15	$1.08	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	1,235	1,097	1,109	2,414	2,445	2,701	3,557	5,335	1,443	1,174

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.29	$1.33	$1.25	$1.21	$1.22	$1.18	$1.15	$1.08	$1.05	$1.00
Accumulation unit value at end of period	$1.42	$1.29	$1.33	$1.25	$1.21	$1.22	$1.18	$1.15	$1.08	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	295	295	613	295	309	369	3,064	6,408	4,175	8,371

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.98	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.13	$0.98	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	—	—	12	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.18	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	174	—	—	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.09	$1.12	$1.05	$1.02	$1.04	$1.00	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.09	$1.12	$1.05	$1.02	$1.04	$1.00	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	—	—	—	—	1,537	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.11	$1.17	$1.05	$1.03	$1.05	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.26	$1.11	$1.17	$1.05	$1.03	$1.05	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	351	355	358	404	482	441	—	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.14	$1.24	$1.06	$1.03	$1.07	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$1.34	$1.14	$1.24	$1.06	$1.03	$1.07	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,365	5,747	6,102	7,218	8,409	13,375	6,029	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.13	$1.21	$1.06	$1.03	$1.06	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.13	$1.21	$1.06	$1.03	$1.06	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,507	1,568	1,939	2,893	3,432	5,176	3,575	—	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.52	$1.62	$1.44	$1.38	$1.40	$1.34	$1.21	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.75	$1.52	$1.62	$1.44	$1.38	$1.40	$1.34	$1.21	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	2,373	2,420	2,853	3,038	2,869	3,010	3,851	4,778	4,194	507

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.52	$1.62	$1.44	$1.38	$1.40	$1.34	$1.21	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.76	$1.52	$1.62	$1.44	$1.38	$1.40	$1.34	$1.21	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	4,604	5,544	6,486	8,454	11,957	13,455	13,901	17,266	21,448	21,627

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.76	$1.52	$1.45	$1.47	$1.41	$1.22	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.92	$1.63	$1.76	$1.52	$1.45	$1.47	$1.41	$1.22	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	1,134	1,114	1,514	1,698	1,794	2,877	3,380	1,378	1,064	2,007

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.76	$1.52	$1.46	$1.48	$1.41	$1.22	$1.09	$1.12	$1.00
Accumulation unit value at end of period	$1.92	$1.63	$1.76	$1.52	$1.46	$1.48	$1.41	$1.22	$1.09	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	6,082	6,412	6,707	8,031	9,853	11,020	22,674	24,938	26,294	23,294

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.40	$1.46	$1.34	$1.29	$1.30	$1.25	$1.18	$1.09	$1.07	$1.00
Accumulation unit value at end of period	$1.58	$1.40	$1.46	$1.34	$1.29	$1.30	$1.25	$1.18	$1.09	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	485	1,505	1,510	2,259	1,459	2,282	1,477	1,950	1,471	—

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.40	$1.47	$1.34	$1.30	$1.31	$1.26	$1.18	$1.09	$1.07	$1.00
Accumulation unit value at end of period	$1.58	$1.40	$1.47	$1.34	$1.30	$1.31	$1.26	$1.18	$1.09	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	1,669	1,555	2,261	2,516	4,127	4,214	4,237	4,691	9,103	5,162

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 101

Variable account charges of 0.55% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.79	$1.95	$1.63	$1.50	$1.50	$1.35	$1.06	$0.96	$1.00	$0.90
Accumulation unit value at end of period	$2.25	$1.79	$1.95	$1.63	$1.50	$1.50	$1.35	$1.06	$0.96	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	79	92	100	109	275	271	183	200	264	276

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$3.13	$3.64	$3.42	$2.74	$3.04	$2.99	$2.23	$1.98	$2.08	$1.68
Accumulation unit value at end of period	$3.72	$3.13	$3.64	$3.42	$2.74	$3.04	$2.99	$2.23	$1.98	$2.08
Number of accumulation units outstanding at end of period (000 omitted)	79	86	89	109	140	143	317	402	542	707

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.15	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	—	—	—	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.02	$1.06	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.02	$1.06	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	13	14	—	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.05	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.18	$1.01	$1.05	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	173	—	—	—	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.35	$4.09	$3.10	$3.16	$3.17	$3.34	$2.74	$2.27	$2.67	$2.15
Accumulation unit value at end of period	$4.33	$3.35	$4.09	$3.10	$3.16	$3.17	$3.34	$2.74	$2.27	$2.67
Number of accumulation units outstanding at end of period (000 omitted)	398	506	534	564	758	895	918	887	992	1,120

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.33	$4.42	$3.71	$3.28	$3.32	$3.19	$2.40	$2.01	$2.09	$1.71
Accumulation unit value at end of period	$5.64	$4.33	$4.42	$3.71	$3.28	$3.32	$3.19	$2.40	$2.01	$2.09
Number of accumulation units outstanding at end of period (000 omitted)	266	311	311	406	571	543	598	631	895	1,057

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.65	$2.00	$1.62	$1.58	$1.56	$1.66	$1.39	$1.23	$1.43	$1.23
Accumulation unit value at end of period	$1.89	$1.65	$2.00	$1.62	$1.58	$1.56	$1.66	$1.39	$1.23	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	110	134	127	131	188	156	166	278	311	337

Wells Fargo VT Opportunity Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.88	$3.12	$2.61	$2.34	$2.42	$2.21	$1.70	$1.48	$1.57	$1.28
Accumulation unit value at end of period	$3.77	$2.88	$3.12	$2.61	$2.34	$2.42	$2.21	$1.70	$1.48	$1.57
Number of accumulation units outstanding at end of period (000 omitted)	24	10	14	53	75	85	73	109	148	121

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.92	$2.90	$2.32	$2.16	$2.24	$2.29	$1.54	$1.43	$1.51	$1.20
Accumulation unit value at end of period	$3.63	$2.92	$2.90	$2.32	$2.16	$2.24	$2.29	$1.54	$1.43	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	26	43	38	54	87	96	110	136	160	198

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.10	$1.15	$1.07	$0.93	$1.00	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.24	$1.10	$1.15	$1.07	$0.93	$1.00	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	479	2	33	12	21	23	17	—	—	—

Variable account charges of 0.75% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.16	$1.26	$1.11	$1.08	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	$1.16	$1.26	$1.11	$1.08	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	219	290	557	776	932	699	542	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26	$1.07
Accumulation unit value at end of period	$2.14	$1.66	$1.86	$1.37	$1.40	$1.37	$1.32	$1.08	$0.96	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	821	940	1,296	1,165	1,366	1,644	1,917	2,217	3,348	4,452

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06	$0.95
Accumulation unit value at end of period	$2.83	$2.31	$2.47	$2.10	$1.90	$1.89	$1.74	$1.30	$1.12	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	12,899	14,427	16,253	19,036	23,500	28,225	34,405	40,750	48,468	55,671

102 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69	$1.63
Accumulation unit value at end of period	$1.91	$1.65	$2.15	$1.73	$1.76	$1.73	$1.87	$1.53	$1.35	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	21,587	24,463	27,445	32,314	39,737	47,056	56,626	67,635	83,009	102,937

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$0.96	$0.81	$1.00	$1.02	$0.73	$1.18	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,994	4,996	6,613	8,138	9,450	10,226	4,271	—	—	—

American Century VP International, Class II (8/13/2001)
Accumulation unit value at beginning of period	$1.66	$1.98	$1.52	$1.62	$1.63	$1.74	$1.43	$1.19	$1.37	$1.22
Accumulation unit value at end of period	$2.11	$1.66	$1.98	$1.52	$1.62	$1.63	$1.74	$1.43	$1.19	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	4,790	5,647	6,126	7,243	8,868	10,641	12,866	15,014	19,142	22,872

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03	$0.87
Accumulation unit value at end of period	$2.53	$1.98	$2.29	$2.07	$1.70	$1.74	$1.51	$1.17	$1.01	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	5,030	6,305	7,855	8,606	7,653	8,037	9,110	9,353	11,208	12,924

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06	$0.92
Accumulation unit value at end of period	$3.38	$2.53	$2.53	$1.93	$1.87	$1.77	$1.63	$1.20	$1.06	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	3,596	3,998	3,606	4,304	5,243	5,961	7,242	8,724	10,122	11,063

American Century VP Value, Class II (8/13/2001)
Accumulation unit value at beginning of period	$2.66	$2.95	$2.74	$2.29	$2.41	$2.15	$1.65	$1.45	$1.45	$1.29
Accumulation unit value at end of period	$3.35	$2.66	$2.95	$2.74	$2.29	$2.41	$2.15	$1.65	$1.45	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	14,833	17,636	20,946	25,296	29,626	35,660	42,005	47,968	56,802	64,096

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.45	$1.24	$1.35	$1.20	$1.16	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,460	7,010	7,930	9,667	12,251	12,313	10,851	3,746	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07	$0.97
Accumulation unit value at end of period	$2.15	$1.74	$1.80	$1.62	$1.51	$1.56	$1.43	$1.22	$1.12	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	6,082	6,216	6,913	7,847	8,548	9,533	10,738	11,585	12,719	14,304

ClearBridge Variable Small Cap Growth Portfolio – Class I (4/27/2007)
Accumulation unit value at beginning of period	$2.40	$2.33	$1.89	$1.80	$1.90	$1.84	$1.26	$1.06	$1.06	$0.85
Accumulation unit value at end of period	$3.02	$2.40	$2.33	$1.89	$1.80	$1.90	$1.84	$1.26	$1.06	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	925	954	900	980	1,379	1,846	1,999	1,455	1,187	1,271

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19	$1.07
Accumulation unit value at end of period	$2.49	$2.04	$2.19	$1.93	$1.82	$1.81	$1.65	$1.37	$1.21	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	31,662	35,991	41,748	45,866	42,888	43,176	45,325	46,103	53,355	61,921

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.56	$0.52	$0.62	$0.61	$0.55	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	486	597	588	522	323	264	148	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.14	$1.62	$1.80	$1.49	$1.39	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,794	7,527	9,128	9,275	7,402	4,306	1,941	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80	$0.69
Accumulation unit value at end of period	$2.25	$1.82	$1.90	$1.54	$1.44	$1.44	$1.26	$0.95	$0.84	$0.80
Number of accumulation units outstanding at end of period (000 omitted)	56,895	64,250	73,368	85,755	99,258	111,603	136,765	160,002	186,291	218,715

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.82	$0.81	$0.90	$0.88	$0.91	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	439	468	666	779	954	886	732	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68	$1.45
Accumulation unit value at end of period	$3.49	$2.84	$3.04	$2.68	$2.38	$2.46	$2.26	$1.80	$1.59	$1.68
Number of accumulation units outstanding at end of period (000 omitted)	50,962	58,903	70,804	85,168	101,431	122,319	144,917	166,205	206,688	256,449

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 103

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.00	$1.09	$0.98	$0.89	$0.91	$0.91	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,829	1,620	2,188	1,875	1,993	2,349	792	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65	$2.23
Accumulation unit value at end of period	$3.28	$2.52	$3.23	$2.21	$2.13	$2.35	$2.43	$2.49	$2.08	$2.65
Number of accumulation units outstanding at end of period (000 omitted)	10,944	13,169	14,820	17,346	22,226	26,833	33,013	38,627	46,641	56,730

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78	$1.68
Accumulation unit value at end of period	$1.77	$1.61	$1.72	$1.63	$1.67	$1.79	$1.79	$1.95	$1.85	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	13,209	15,564	18,858	22,431	28,050	36,004	46,672	62,204	73,158	88,623

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21	$1.22
Accumulation unit value at end of period	$1.17	$1.16	$1.15	$1.15	$1.16	$1.17	$1.18	$1.19	$1.20	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	26,927	33,314	35,185	45,094	50,441	60,289	76,751	96,155	124,252	134,040

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78	$1.57
Accumulation unit value at end of period	$2.95	$2.54	$2.67	$2.53	$2.28	$2.32	$2.26	$2.15	$1.87	$1.78
Number of accumulation units outstanding at end of period (000 omitted)	21,571	25,778	33,054	39,523	47,359	59,210	69,676	82,188	91,967	111,083

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49	$1.33
Accumulation unit value at end of period	$2.41	$2.09	$2.19	$2.07	$1.88	$1.92	$1.86	$1.79	$1.57	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	15,746	18,683	23,972	28,890	24,814	30,197	36,897	46,830	49,398	56,452

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59	$1.48
Accumulation unit value at end of period	$2.08	$1.93	$1.93	$1.88	$1.81	$1.82	$1.74	$1.80	$1.69	$1.59
Number of accumulation units outstanding at end of period (000 omitted)	50,289	54,724	66,114	78,420	93,168	115,549	145,968	214,369	232,229	282,705

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65	$0.56
Accumulation unit value at end of period	$1.94	$1.44	$1.51	$1.19	$1.19	$1.10	$0.97	$0.75	$0.63	$0.65
Number of accumulation units outstanding at end of period (000 omitted)	34,560	40,358	46,606	53,836	67,474	68,409	78,647	88,846	104,494	124,302

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93	$0.81
Accumulation unit value at end of period	$2.58	$1.98	$2.10	$1.74	$1.58	$1.57	$1.40	$1.07	$0.93	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	27,733	31,251	34,243	37,921	41,507	46,410	52,071	57,241	65,653	77,987

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.96	$0.97	$0.96	$0.92	$0.95	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.96	$0.97	$0.96	$0.92	$0.95	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,063	5,086	4,860	4,756	3,113	2,198	—	—	—	—

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.04	$1.11	$1.01	$0.99	$1.00	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,683	1,888	2,251	2,763	2,101	1,037	250	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53	$1.22
Accumulation unit value at end of period	$3.22	$2.41	$2.55	$2.09	$2.06	$1.97	$1.85	$1.42	$1.29	$1.53
Number of accumulation units outstanding at end of period (000 omitted)	7,767	9,252	10,599	12,269	15,090	15,914	19,000	22,638	28,726	34,995

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06	$0.94
Accumulation unit value at end of period	$1.50	$1.21	$1.46	$1.15	$1.24	$1.19	$1.31	$1.08	$0.92	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	11,984	14,095	16,826	20,497	17,829	19,193	22,743	26,232	32,942	39,494

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19	$1.00
Accumulation unit value at end of period	$3.04	$2.42	$2.79	$2.32	$1.95	$2.07	$1.87	$1.37	$1.17	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	3,521	4,024	4,905	5,147	6,782	10,454	11,118	8,170	9,950	10,640

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38	$1.14
Accumulation unit value at end of period	$3.02	$2.32	$2.70	$2.40	$2.12	$2.25	$2.02	$1.48	$1.26	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	5,023	6,098	7,406	9,512	12,169	15,152	17,694	20,051	25,903	33,723

104 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79	$1.42
Accumulation unit value at end of period	$3.60	$3.08	$3.56	$3.19	$2.83	$2.94	$2.80	$1.90	$1.63	$1.79
Number of accumulation units outstanding at end of period (000 omitted)	4,360	5,045	5,792	7,202	8,712	10,198	11,928	13,295	16,466	19,549

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36	$1.33
Accumulation unit value at end of period	$1.57	$1.49	$1.47	$1.44	$1.41	$1.41	$1.34	$1.38	$1.37	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	14,490	17,423	21,276	25,182	29,036	34,815	43,683	65,849	78,480	95,906

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02	$0.88
Accumulation unit value at end of period	$0.49	$0.46	$0.53	$0.52	$0.47	$0.63	$0.77	$0.86	$0.89	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	7,960	9,227	10,686	13,250	17,134	19,487	24,974	31,771	38,081	37,446

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.90	$0.91	$0.99	$1.01	$1.12	$1.13	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,611	2,513	3,697	5,372	4,835	3,206	2,181	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23	$1.19
Accumulation unit value at end of period	$1.61	$1.51	$1.52	$1.50	$1.39	$1.42	$1.32	$1.41	$1.34	$1.23
Number of accumulation units outstanding at end of period (000 omitted)	15,667	18,749	21,464	24,619	30,622	37,782	51,052	72,377	82,435	92,837

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.26	$1.03	$1.00	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	990	1,173	1,137	599	503	411	128	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.40	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.77	$1.35	$1.40	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	22,698	27,660	32,668	39,908	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40	$1.16
Accumulation unit value at end of period	$3.50	$2.76	$3.09	$2.69	$2.25	$2.26	$2.03	$1.51	$1.30	$1.40
Number of accumulation units outstanding at end of period (000 omitted)	3,437	3,735	3,974	3,948	3,656	3,187	3,576	3,731	4,276	4,535

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (6/30/2014)
Accumulation unit value at beginning of period	$0.99	$0.99	$0.99	$0.99	$1.00	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.99	$0.99	$0.99	$0.99	$1.00	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,105	3,323	3,290	3,278	1,789	774	—	—	—	—

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.08	$0.95	$1.05	$0.99	$0.95	$1.03	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,437	2,620	3,691	5,161	7,060	8,699	8,510	3,246	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17	$1.08
Accumulation unit value at end of period	$1.50	$1.41	$1.42	$1.38	$1.28	$1.30	$1.30	$1.26	$1.19	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	20,974	30,224	31,185	38,065	45,917	61,310	86,779	67,900	74,599	74,514

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07	$0.92
Accumulation unit value at end of period	$2.65	$2.04	$2.20	$1.82	$1.70	$1.71	$1.54	$1.19	$1.03	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	35,591	43,615	52,100	65,724	83,777	99,718	116,341	135,683	162,922	192,769

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.30	$2.55	$2.20	$1.91	$1.98	$1.81	$1.37	$1.17	$1.16	$1.02
Accumulation unit value at end of period	$2.96	$2.30	$2.55	$2.20	$1.91	$1.98	$1.81	$1.37	$1.17	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	17,139	19,845	23,398	28,014	33,898	39,470	47,015	55,533	65,028	77,301

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$3.92	$4.64	$3.87	$3.49	$3.57	$3.39	$2.52	$2.21	$2.50	$1.96
Accumulation unit value at end of period	$4.79	$3.92	$4.64	$3.87	$3.49	$3.57	$3.39	$2.52	$2.21	$2.50
Number of accumulation units outstanding at end of period (000 omitted)	25,249	29,544	34,697	41,532	50,778	60,701	73,540	88,455	109,162	132,015

Fidelity^® VIP Overseas Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$1.80	$2.13	$1.65	$1.76	$1.72	$1.88	$1.46	$1.22	$1.49	$1.33
Accumulation unit value at end of period	$2.28	$1.80	$2.13	$1.65	$1.76	$1.72	$1.88	$1.46	$1.22	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	8,444	9,827	11,286	13,142	16,089	18,368	21,346	24,321	30,682	36,566

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 105

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.09	$1.13	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	21,675	19,164	19,388	14,131	11,862	10,757	4,174	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06	$1.71
Accumulation unit value at end of period	$3.46	$2.85	$3.08	$2.81	$2.82	$2.82	$2.47	$2.44	$1.93	$2.06
Number of accumulation units outstanding at end of period (000 omitted)	10,291	11,941	14,393	17,523	20,751	24,367	28,482	31,720	36,714	42,372

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.38	$1.20	$1.27	$1.16	$1.03	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,854	4,196	5,242	6,248	7,995	12,165	4,290	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.13	$2.36	$2.19	$1.90	$2.02	$1.90	$1.49	$1.32	$1.34	$1.21
Accumulation unit value at end of period	$2.59	$2.13	$2.36	$2.19	$1.90	$2.02	$1.90	$1.49	$1.32	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	8,891	10,551	12,711	15,464	19,783	23,577	28,344	33,231	41,319	50,331

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58	$2.02
Accumulation unit value at end of period	$5.52	$4.40	$5.09	$4.64	$3.59	$3.90	$3.91	$2.89	$2.46	$2.58
Number of accumulation units outstanding at end of period (000 omitted)	6,796	7,900	9,189	11,128	13,068	15,820	19,202	22,727	28,384	34,971

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80	$2.26
Accumulation unit value at end of period	$5.92	$4.53	$5.10	$4.63	$4.10	$4.55	$4.04	$3.06	$2.60	$2.80
Number of accumulation units outstanding at end of period (000 omitted)	11,472	13,427	15,857	19,292	24,147	29,253	35,669	42,578	52,628	64,121

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.95	$0.91	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.94	$0.88	$0.95	$0.91	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	403	512	502	510	660	127	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96	$0.85
Accumulation unit value at end of period	$2.75	$2.21	$2.37	$1.93	$1.75	$1.77	$1.53	$1.12	$0.99	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	17,850	21,440	24,413	28,337	34,522	42,520	52,166	61,881	73,864	90,486

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51	$1.31
Accumulation unit value at end of period	$3.25	$2.49	$2.90	$2.14	$2.16	$2.10	$2.07	$1.64	$1.37	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	9,564	11,081	11,933	13,366	16,675	17,576	19,743	21,566	26,339	29,183

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43	$1.25
Accumulation unit value at end of period	$1.80	$1.64	$1.73	$1.65	$1.56	$1.61	$1.58	$1.60	$1.43	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	37,903	45,692	57,738	70,562	91,448	113,907	148,191	194,916	225,204	265,863

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43	$1.17
Accumulation unit value at end of period	$3.42	$2.73	$3.08	$2.72	$2.33	$2.50	$2.25	$1.62	$1.38	$1.43
Number of accumulation units outstanding at end of period (000 omitted)	5,021	6,187	7,204	8,432	10,064	11,134	12,453	13,918	16,342	19,999

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.83	$1.91	$1.52	$1.50	$1.44	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.47	$1.83	$1.91	$1.52	$1.50	$1.44	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,190	12,062	13,914	16,432	20,234	25,717	37,224	45,878	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.09	$1.18	$1.08	$0.98	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,210	3,974	4,881	6,372	5,830	5,961	3,989	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24	$1.08
Accumulation unit value at end of period	$2.82	$2.27	$2.61	$2.24	$1.93	$2.07	$1.91	$1.42	$1.20	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	17,651	20,743	23,714	29,195	36,594	44,743	58,839	71,034	86,061	100,324

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.80	$1.96	$1.82	$1.60	$1.58	$1.41	$1.08	$0.92	$1.00	—
Accumulation unit value at end of period	$2.23	$1.80	$1.96	$1.82	$1.60	$1.58	$1.41	$1.08	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	5,294	6,421	8,817	11,123	9,480	10,108	10,022	8,770	7,943	—

106 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06	$1.01
Accumulation unit value at end of period	$2.88	$2.20	$2.20	$1.92	$2.19	$2.14	$1.81	$1.30	$1.09	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	4,476	5,182	5,775	7,206	9,967	8,435	8,251	7,227	7,312	7,456

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39	$1.24
Accumulation unit value at end of period	$2.14	$1.68	$1.99	$1.64	$1.66	$1.72	$1.73	$1.47	$1.28	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	9,307	10,981	13,343	16,183	19,632	21,336	22,446	25,580	30,304	36,189

Invesco V.I. Mid Cap Growth Fund, Series II Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.14	$1.61	$1.72	$1.42	$1.42	$1.42	$1.33	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,721	1,993	2,168	2,671	6,478	7,055	8,605	9,719	—	—
*Invesco V.I. Mid Cap Growth Fund, Series II Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series II Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.74	$1.77	$1.32	$1.34	$1.26	$1.14	$0.92	$0.83	$0.88	$0.73
Accumulation unit value at end of period	$2.35	$1.74	$1.77	$1.32	$1.34	$1.26	$1.14	$0.92	$0.83	$0.88
Number of accumulation units outstanding at end of period (000 omitted)	5,654	6,637	7,010	8,239	10,720	11,392	14,171	16,565	19,212	21,966

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.33	$1.10	$1.17	$1.00	$1.03	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,041	1,296	1,139	1,903	4,502	7,146	5,619	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,558	3,424	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.12	$1.03	$1.06	$1.03	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,954	5,503	7,136	8,973	8,003	5,580	2,585	—	—	—

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97	$0.85
Accumulation unit value at end of period	$2.62	$1.95	$2.02	$1.60	$1.61	$1.54	$1.38	$1.07	$0.91	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	3,577	4,372	5,241	6,858	8,758	10,293	13,621	17,837	22,462	31,752

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.51	$1.29	$1.39	$1.16	$1.13	$1.15	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,441	1,698	1,889	1,887	2,967	2,403	847	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.30	$1.31	$1.03	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.81	$1.30	$1.31	$1.03	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	15,918	18,155	21,374	26,361	29,852	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32	$0.98
Accumulation unit value at end of period	$3.26	$2.33	$2.38	$1.90	$1.76	$1.81	$1.97	$1.41	$1.17	$1.32
Number of accumulation units outstanding at end of period (000 omitted)	6,354	7,244	8,165	9,359	11,054	13,024	17,289	20,047	25,583	25,934

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07	$1.83
Accumulation unit value at end of period	$4.30	$3.47	$3.47	$3.05	$2.77	$3.27	$2.93	$2.45	$2.18	$2.07
Number of accumulation units outstanding at end of period (000 omitted)	10,023	11,894	14,937	18,140	22,267	28,660	32,640	38,539	46,187	47,357

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30	$0.99
Accumulation unit value at end of period	$3.15	$2.27	$2.07	$1.50	$1.66	$1.78	$1.76	$1.29	$1.20	$1.30
Number of accumulation units outstanding at end of period (000 omitted)	2,956	3,006	2,861	3,447	5,011	6,944	8,493	11,635	18,214	17,947

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05	$0.86
Accumulation unit value at end of period	$1.61	$1.38	$1.51	$1.39	$1.36	$1.39	$1.23	$1.20	$0.93	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	4,778	5,713	7,471	9,576	11,978	14,762	17,893	19,518	22,051	25,144

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92	$0.76
Accumulation unit value at end of period	$1.36	$1.08	$1.30	$1.04	$1.06	$1.06	$1.10	$0.94	$0.80	$0.92
Number of accumulation units outstanding at end of period (000 omitted)	2,206	2,710	3,148	3,895	4,606	5,357	6,179	6,765	8,478	9,073

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 107

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.90	$0.97	$0.92	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.03	$0.90	$0.97	$0.92	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	233	232	205	319	625	394	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26	$1.13
Accumulation unit value at end of period	$1.71	$1.54	$1.64	$1.46	$1.30	$1.44	$1.45	$1.46	$1.28	$1.26
Number of accumulation units outstanding at end of period (000 omitted)	8,794	11,230	14,290	17,412	22,911	33,579	48,561	69,811	69,382	75,522

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.23	$1.06	$1.13	$1.00	$0.97	$0.98	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	331	252	564	456	489	564	1,413	863	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.04	$1.05	$1.01	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,094	3,206	3,656	2,858	2,518	2,388	1,912	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$2.59	$2.62	$2.29	$2.60	$2.43	$1.92	$1.37	$1.13	$1.15	$1.13
Accumulation unit value at end of period	$3.35	$2.59	$2.62	$2.29	$2.60	$2.43	$1.92	$1.37	$1.13	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	3,741	4,650	5,115	6,216	7,902	7,014	7,225	7,626	9,058	10,511

Putnam VT International Equity Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.50	$1.87	$1.49	$1.54	$1.55	$1.67	$1.31	$1.09	$1.32	$1.21
Accumulation unit value at end of period	$1.86	$1.50	$1.87	$1.49	$1.54	$1.55	$1.67	$1.31	$1.09	$1.32
Number of accumulation units outstanding at end of period (000 omitted)	3,430	3,904	4,456	5,116	6,243	6,615	7,141	8,813	11,088	13,460

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13	$1.00
Accumulation unit value at end of period	$3.38	$2.50	$2.56	$1.99	$1.86	$1.88	$1.67	$1.23	$1.07	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	5,301	5,938	6,675	7,563	8,757	9,746	10,340	11,916	14,126	17,030

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.98	$0.97	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,598	6,218	5,975	6,206	8,164	9,101	5,646	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.01	$0.73	$0.88	$0.79	$0.54	$0.72	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,997	2,249	2,597	2,628	1,726	1,627	1,091	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.58	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	33,745	38,345	43,514	50,082	60,288	63,443	68,358	59,074	57,559	22,643

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.05	$1.70	$1.87	$1.59	$1.51	$1.53	$1.46	$1.22	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	44,556	52,291	60,191	78,390	114,075	129,138	183,069	213,296	258,558	287,015

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,769	25,210	29,606	37,496	40,298	49,392	66,474	103,582	81,730	19,114

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.39	$1.26	$1.31	$1.23	$1.20	$1.21	$1.17	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	25,716	29,121	38,284	57,218	65,986	78,435	116,673	217,500	212,474	171,495

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,239	682	352	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	727	913	94	—	—	—	—	—	—	—

108 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.08	$1.11	$1.04	$1.02	$1.04	$1.00	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	6,344	4,977	5,001	7,206	4,914	3,681	1,043	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.24	$1.10	$1.16	$1.05	$1.02	$1.05	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,389	13,370	16,093	20,641	18,517	19,479	5,574	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$1.32	$1.13	$1.23	$1.06	$1.03	$1.07	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	129,327	159,164	191,800	228,224	289,766	312,945	99,233	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (11/18/2013)
Accumulation unit value at beginning of period	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.12	$1.20	$1.05	$1.03	$1.06	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	93,658	107,282	126,718	154,932	183,214	196,193	66,746	—	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.36	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	174,468	202,039	234,364	280,217	332,868	381,681	402,208	377,699	318,883	150,412

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10	$1.00
Accumulation unit value at end of period	$1.72	$1.49	$1.59	$1.42	$1.37	$1.38	$1.33	$1.20	$1.09	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	364,142	431,168	523,884	657,883	868,373	1,018,857	1,191,618	1,322,146	1,448,513	1,625,658

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	96,238	114,303	133,356	159,472	196,684	215,308	232,062	196,988	181,157	85,099

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.88	$1.60	$1.73	$1.50	$1.44	$1.46	$1.40	$1.22	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	158,304	190,984	231,699	301,436	428,536	508,398	710,239	837,813	998,828	1,122,490

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.29	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	60,278	63,093	74,527	89,762	104,766	126,041	154,600	197,629	149,512	53,054

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.55	$1.37	$1.44	$1.32	$1.28	$1.30	$1.25	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	84,416	97,809	123,526	154,885	197,656	251,755	329,684	449,177	439,108	454,692

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98	$0.89
Accumulation unit value at end of period	$2.17	$1.73	$1.90	$1.59	$1.46	$1.46	$1.32	$1.03	$0.94	$0.98
Number of accumulation units outstanding at end of period (000 omitted)	3,242	3,980	5,057	6,538	8,047	9,697	12,078	13,840	18,111	24,428

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05	$1.66
Accumulation unit value at end of period	$3.60	$3.03	$3.53	$3.32	$2.67	$2.97	$2.93	$2.19	$1.94	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	8,707	9,947	11,438	13,862	16,653	20,098	25,397	31,851	39,424	48,893

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.14	$1.00	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,838	921	76	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.06	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.01	$1.06	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,821	6,834	527	—	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.01	$1.05	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.18	$1.01	$1.05	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,164	4,216	566	—	—	—	—	—	—	—

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 109

Variable account charges of 0.75% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61	$2.11
Accumulation unit value at end of period	$4.16	$3.22	$3.95	$2.99	$3.06	$3.08	$3.24	$2.67	$2.21	$2.61
Number of accumulation units outstanding at end of period (000 omitted)	16,629	19,893	22,964	26,925	33,012	38,989	46,513	53,436	66,511	80,435

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05	$1.67
Accumulation unit value at end of period	$5.42	$4.16	$4.26	$3.59	$3.18	$3.22	$3.10	$2.33	$1.96	$2.05
Number of accumulation units outstanding at end of period (000 omitted)	20,964	24,348	28,181	33,677	41,194	48,912	59,078	69,932	84,309	102,578

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41	$1.22
Accumulation unit value at end of period	$1.83	$1.60	$1.95	$1.58	$1.54	$1.52	$1.62	$1.37	$1.21	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	4,943	5,701	6,518	7,395	9,405	9,714	11,282	13,374	16,786	20,616

Wells Fargo VT Opportunity Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.78	$3.02	$2.53	$2.27	$2.36	$2.15	$1.66	$1.45	$1.54	$1.26
Accumulation unit value at end of period	$3.63	$2.78	$3.02	$2.53	$2.27	$2.36	$2.15	$1.66	$1.45	$1.54
Number of accumulation units outstanding at end of period (000 omitted)	4,264	5,008	6,004	7,213	8,627	10,332	12,893	16,305	21,795	16,904

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48	$1.18
Accumulation unit value at end of period	$3.49	$2.82	$2.81	$2.25	$2.10	$2.18	$2.24	$1.50	$1.40	$1.48
Number of accumulation units outstanding at end of period (000 omitted)	4,447	5,146	5,829	7,000	8,952	9,801	12,946	15,400	20,502	28,351

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.14	$1.06	$0.93	$0.99	$1.02	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	924	758	1,529	720	897	1,272	811	—	—	—

Variable account charges of 0.95% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.15	$1.25	$1.10	$1.08	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,267	1,985	1,825	1,643	1,676	1,226	791	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25	$1.07
Accumulation unit value at end of period	$2.08	$1.62	$1.81	$1.34	$1.37	$1.35	$1.30	$1.07	$0.95	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	604	661	741	784	981	1,097	1,106	1,313	1,642	2,571

AB VPS Growth and Income Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04	$0.93
Accumulation unit value at end of period	$2.73	$2.23	$2.39	$2.03	$1.85	$1.84	$1.70	$1.27	$1.10	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	8,662	9,611	10,497	12,411	15,071	17,244	20,041	23,312	28,840	33,656

AB VPS International Value Portfolio (Class B) (8/13/2001)
Accumulation unit value at beginning of period	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66	$1.61
Accumulation unit value at end of period	$1.84	$1.59	$2.08	$1.68	$1.71	$1.69	$1.82	$1.50	$1.32	$1.66
Number of accumulation units outstanding at end of period (000 omitted)	12,332	14,196	16,581	19,257	22,777	26,270	31,753	38,807	49,799	63,534

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.95	$0.80	$0.99	$1.01	$0.73	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,883	11,708	13,653	13,785	12,552	10,397	3,655	—	—	—

American Century VP International, Class II (8/13/2001)
Accumulation unit value at beginning of period	$1.61	$1.91	$1.48	$1.58	$1.58	$1.70	$1.40	$1.17	$1.34	$1.20
Accumulation unit value at end of period	$2.04	$1.61	$1.91	$1.48	$1.58	$1.58	$1.70	$1.40	$1.17	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	3,262	3,984	4,566	5,027	5,982	6,783	7,794	8,843	10,596	12,837

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02	$0.87
Accumulation unit value at end of period	$2.47	$1.93	$2.24	$2.03	$1.67	$1.71	$1.49	$1.16	$1.00	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	4,506	5,384	6,486	6,832	6,055	6,214	6,845	6,830	7,355	8,798

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05	$0.91
Accumulation unit value at end of period	$3.28	$2.46	$2.47	$1.89	$1.83	$1.74	$1.60	$1.18	$1.05	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,517	2,688	2,417	2,436	3,222	3,475	3,871	4,871	5,322	5,909

110 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
American Century VP Value, Class II (8/13/2001)
Accumulation unit value at beginning of period	$2.56	$2.85	$2.65	$2.23	$2.34	$2.10	$1.61	$1.42	$1.42	$1.27
Accumulation unit value at end of period	$3.22	$2.56	$2.85	$2.65	$2.23	$2.34	$2.10	$1.61	$1.42	$1.42
Number of accumulation units outstanding at end of period (000 omitted)	16,561	18,256	20,496	22,042	23,479	26,320	29,234	31,529	36,454	41,940

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.43	$1.22	$1.34	$1.19	$1.15	$1.18	$1.17	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	18,379	19,527	20,271	19,437	19,317	15,638	11,699	3,226	—	—

Calvert VP SRI Balanced Portfolio – Class I (5/1/2000)
Accumulation unit value at beginning of period	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05	$0.95
Accumulation unit value at end of period	$2.07	$1.68	$1.74	$1.57	$1.47	$1.51	$1.39	$1.19	$1.09	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,901	3,039	3,259	3,625	4,176	5,003	5,639	6,095	6,505	8,238

ClearBridge Variable Small Cap Growth Portfolio – Class I (4/27/2007)
Accumulation unit value at beginning of period	$2.34	$2.28	$1.86	$1.77	$1.87	$1.81	$1.24	$1.05	$1.05	$0.85
Accumulation unit value at end of period	$2.94	$2.34	$2.28	$1.86	$1.77	$1.87	$1.81	$1.24	$1.05	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	836	940	931	1,107	1,358	1,587	1,652	1,133	926	1,019

Columbia Variable Portfolio – Balanced Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16	$1.04
Accumulation unit value at end of period	$2.39	$1.97	$2.11	$1.86	$1.77	$1.75	$1.61	$1.34	$1.18	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	52,172	50,535	51,410	47,474	37,714	33,526	33,040	33,359	39,535	45,791

Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	$1.00	—	—	—
Accumulation unit value at end of period	$0.55	$0.52	$0.61	$0.61	$0.54	$0.72	$0.93	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,883	2,926	2,321	1,718	1,625	587	150	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.11	$1.60	$1.78	$1.48	$1.38	$1.36	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,017	16,602	17,049	14,367	9,669	5,364	2,048	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79	$0.68
Accumulation unit value at end of period	$2.16	$1.75	$1.83	$1.49	$1.39	$1.40	$1.22	$0.92	$0.82	$0.79
Number of accumulation units outstanding at end of period (000 omitted)	27,303	30,658	35,737	41,964	51,782	57,394	69,472	84,369	100,737	120,427

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.81	$0.80	$0.89	$0.87	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,430	1,034	885	1,007	1,105	1,051	707	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65	$1.42
Accumulation unit value at end of period	$3.35	$2.73	$2.93	$2.59	$2.30	$2.39	$2.20	$1.75	$1.55	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	29,737	34,660	41,891	50,434	60,130	73,666	87,069	99,992	126,113	156,962

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$0.99	$1.08	$0.98	$0.89	$0.91	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,583	4,429	4,150	2,851	2,505	2,761	1,137	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60	$2.19
Accumulation unit value at end of period	$3.16	$2.42	$3.12	$2.14	$2.06	$2.29	$2.36	$2.43	$2.03	$2.60
Number of accumulation units outstanding at end of period (000 omitted)	6,978	8,092	9,346	10,207	12,958	15,636	18,677	22,279	27,455	33,567

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74	$1.65
Accumulation unit value at end of period	$1.70	$1.55	$1.65	$1.58	$1.61	$1.74	$1.74	$1.90	$1.81	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	11,756	13,465	16,057	18,973	22,985	28,727	36,258	48,278	56,664	68,524

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18	$1.19
Accumulation unit value at end of period	$1.12	$1.11	$1.11	$1.11	$1.12	$1.14	$1.15	$1.16	$1.17	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	21,564	25,622	24,661	32,195	35,229	39,251	50,331	61,799	82,185	92,405

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74	$1.54
Accumulation unit value at end of period	$2.83	$2.45	$2.57	$2.44	$2.21	$2.25	$2.20	$2.09	$1.82	$1.74
Number of accumulation units outstanding at end of period (000 omitted)	17,789	20,685	26,601	31,732	38,674	48,391	55,214	64,192	73,576	89,489

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 111

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47	$1.31
Accumulation unit value at end of period	$2.34	$2.03	$2.13	$2.02	$1.84	$1.88	$1.83	$1.76	$1.55	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	11,719	13,469	17,897	20,741	17,356	20,662	24,731	32,890	34,819	39,448

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56	$1.45
Accumulation unit value at end of period	$2.00	$1.85	$1.87	$1.82	$1.75	$1.77	$1.69	$1.75	$1.64	$1.56
Number of accumulation units outstanding at end of period (000 omitted)	41,926	43,497	53,881	61,794	71,097	85,500	107,141	156,667	174,738	214,494

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64	$0.55
Accumulation unit value at end of period	$1.86	$1.39	$1.46	$1.15	$1.15	$1.06	$0.94	$0.73	$0.61	$0.64
Number of accumulation units outstanding at end of period (000 omitted)	18,555	21,823	25,535	29,899	37,899	37,413	44,063	51,318	60,544	72,817

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (5/1/2000)
Accumulation unit value at beginning of period	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91	$0.80
Accumulation unit value at end of period	$2.48	$1.91	$2.03	$1.69	$1.53	$1.53	$1.36	$1.04	$0.91	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	61,001	54,565	48,132	42,843	40,321	37,322	38,404	40,265	46,053	55,090

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01	$1.00
Accumulation unit value at end of period	$1.15	$1.08	$1.09	$1.08	$1.03	$1.07	$1.08	$1.07	$1.02	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	13,422	12,393	9,957	8,639	4,608	3,837	2,142	1,603	889	432

Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.22	$1.03	$1.10	$1.00	$0.98	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,907	4,086	4,794	5,110	3,685	1,824	428	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (5/1/2001)
Accumulation unit value at beginning of period	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50	$1.20
Accumulation unit value at end of period	$3.11	$2.32	$2.47	$2.03	$2.00	$1.92	$1.80	$1.39	$1.26	$1.50
Number of accumulation units outstanding at end of period (000 omitted)	4,466	5,328	6,234	7,139	8,696	9,107	10,976	13,009	16,901	21,606

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04	$0.92
Accumulation unit value at end of period	$1.44	$1.16	$1.41	$1.12	$1.20	$1.15	$1.27	$1.05	$0.90	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	7,589	9,010	10,995	13,602	11,586	12,233	14,336	16,902	21,875	27,645

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18	$0.99
Accumulation unit value at end of period	$2.95	$2.35	$2.71	$2.26	$1.91	$2.03	$1.84	$1.35	$1.15	$1.18
Number of accumulation units outstanding at end of period (000 omitted)	3,556	3,810	4,049	4,185	5,339	7,377	6,539	4,932	6,465	6,063

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37	$1.13
Accumulation unit value at end of period	$2.94	$2.26	$2.63	$2.34	$2.07	$2.20	$1.98	$1.45	$1.24	$1.37
Number of accumulation units outstanding at end of period (000 omitted)	3,280	4,038	5,079	6,115	7,691	9,450	10,346	11,045	14,817	19,331

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75	$1.39
Accumulation unit value at end of period	$3.45	$2.97	$3.43	$3.09	$2.74	$2.85	$2.72	$1.85	$1.59	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	2,790	3,262	3,805	4,631	5,623	6,640	7,407	8,170	10,076	12,744

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (9/15/1999)
Accumulation unit value at beginning of period	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33	$1.30
Accumulation unit value at end of period	$1.51	$1.43	$1.42	$1.39	$1.37	$1.36	$1.30	$1.34	$1.33	$1.33
Number of accumulation units outstanding at end of period (000 omitted)	13,503	15,040	18,959	22,623	25,128	29,517	37,054	52,934	61,501	78,228

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01	$0.88
Accumulation unit value at end of period	$0.47	$0.45	$0.51	$0.51	$0.46	$0.62	$0.75	$0.85	$0.88	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	5,845	7,020	8,451	10,055	12,146	14,175	17,008	21,622	25,966	26,305

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.89	$0.90	$0.98	$1.00	$1.11	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,425	4,705	5,862	5,952	5,051	2,342	1,428	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21	$1.18
Accumulation unit value at end of period	$1.56	$1.46	$1.48	$1.46	$1.36	$1.39	$1.30	$1.38	$1.32	$1.21
Number of accumulation units outstanding at end of period (000 omitted)	12,057	13,837	16,465	18,278	22,151	26,715	33,722	48,160	54,821	63,669

112 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.04	$1.25	$1.02	$0.99	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	7,652	6,698	4,862	1,660	931	646	90	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.35	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.76	$1.35	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,572	17,158	20,856	24,225	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38	$1.14
Accumulation unit value at end of period	$3.39	$2.68	$3.00	$2.62	$2.19	$2.21	$1.99	$1.48	$1.28	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	2,810	2,851	2,586	2,352	1,888	1,747	2,014	2,101	2,436	2,760

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00	$1.00
Accumulation unit value at end of period	$1.01	$0.99	$0.99	$1.00	$1.00	$1.01	$1.01	$1.02	$1.02	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	10,306	9,648	6,939	5,700	2,506	1,014	613	308	172	74

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.06	$0.94	$1.04	$0.98	$0.94	$1.02	$1.00	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,619	4,853	6,013	6,466	7,133	7,736	6,629	2,284	—	—

Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15	$1.07
Accumulation unit value at end of period	$1.45	$1.37	$1.39	$1.35	$1.25	$1.28	$1.28	$1.25	$1.17	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	19,358	27,483	27,273	32,151	38,705	50,073	65,553	50,815	55,759	56,862

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06	$0.91
Accumulation unit value at end of period	$2.58	$1.99	$2.15	$1.78	$1.67	$1.68	$1.52	$1.17	$1.02	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	48,944	50,290	52,141	55,327	63,576	70,307	76,647	84,137	102,175	120,336

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.22	$2.47	$2.13	$1.86	$1.93	$1.77	$1.34	$1.14	$1.14	$1.00
Accumulation unit value at end of period	$2.85	$2.22	$2.47	$2.13	$1.86	$1.93	$1.77	$1.34	$1.14	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	10,441	12,279	14,832	17,454	20,243	23,702	28,446	32,761	38,733	47,072

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$3.79	$4.49	$3.76	$3.39	$3.48	$3.31	$2.46	$2.17	$2.46	$1.93
Accumulation unit value at end of period	$4.62	$3.79	$4.49	$3.76	$3.39	$3.48	$3.31	$2.46	$2.17	$2.46
Number of accumulation units outstanding at end of period (000 omitted)	20,850	22,801	24,758	27,539	31,976	37,014	43,257	50,560	63,182	76,313

Fidelity^® VIP Overseas Portfolio Service Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$1.74	$2.06	$1.60	$1.71	$1.67	$1.84	$1.43	$1.20	$1.46	$1.31
Accumulation unit value at end of period	$2.19	$1.74	$2.06	$1.60	$1.71	$1.67	$1.84	$1.43	$1.20	$1.46
Number of accumulation units outstanding at end of period (000 omitted)	6,063	7,036	7,808	8,651	10,509	11,977	14,012	16,360	20,346	24,715

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.07	$1.11	$1.05	$0.98	$1.01	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	43,673	35,920	30,762	19,832	14,724	10,509	2,729	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01	$1.68
Accumulation unit value at end of period	$3.33	$2.74	$2.97	$2.72	$2.73	$2.74	$2.40	$2.37	$1.88	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	6,800	7,625	9,228	11,174	13,307	15,352	17,380	18,941	21,820	25,510

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.37	$1.19	$1.25	$1.15	$1.02	$1.11	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	13,784	12,559	12,704	11,610	11,688	12,796	4,629	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.06	$2.28	$2.13	$1.85	$1.97	$1.85	$1.46	$1.29	$1.31	$1.19
Accumulation unit value at end of period	$2.50	$2.06	$2.28	$2.13	$1.85	$1.97	$1.85	$1.46	$1.29	$1.31
Number of accumulation units outstanding at end of period (000 omitted)	9,951	10,663	12,378	13,740	15,352	17,372	20,113	22,778	27,767	33,994

Franklin Small Cap Value VIP Fund – Class 2 (9/15/1999)
Accumulation unit value at beginning of period	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52	$1.98
Accumulation unit value at end of period	$5.30	$4.24	$4.91	$4.48	$3.47	$3.79	$3.80	$2.82	$2.40	$2.52
Number of accumulation units outstanding at end of period (000 omitted)	7,253	7,430	7,861	8,759	9,355	11,090	12,772	14,443	18,246	22,799

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 113

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74	$2.21
Accumulation unit value at end of period	$5.68	$4.36	$4.92	$4.47	$3.97	$4.41	$3.92	$2.98	$2.54	$2.74
Number of accumulation units outstanding at end of period (000 omitted)	7,380	8,509	10,084	12,162	15,170	18,356	22,012	26,253	33,368	41,459

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.87	$0.94	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.93	$0.87	$0.94	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,877	2,517	1,992	1,788	1,401	382	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (9/15/1999)
Accumulation unit value at beginning of period	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93	$0.84
Accumulation unit value at end of period	$2.64	$2.13	$2.29	$1.86	$1.70	$1.71	$1.49	$1.09	$0.96	$0.93
Number of accumulation units outstanding at end of period (000 omitted)	12,764	14,541	16,623	19,473	23,888	27,852	32,151	38,124	45,869	57,775

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49	$1.30
Accumulation unit value at end of period	$3.15	$2.42	$2.82	$2.09	$2.11	$2.05	$2.03	$1.62	$1.35	$1.49
Number of accumulation units outstanding at end of period (000 omitted)	12,511	12,618	12,158	11,402	12,573	12,255	13,330	14,055	16,697	18,638

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41	$1.24
Accumulation unit value at end of period	$1.74	$1.59	$1.68	$1.60	$1.52	$1.58	$1.55	$1.57	$1.40	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	34,746	39,910	48,596	56,033	71,089	87,326	106,841	136,644	159,925	193,872

Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41	$1.16
Accumulation unit value at end of period	$3.31	$2.65	$2.99	$2.65	$2.27	$2.44	$2.21	$1.59	$1.36	$1.41
Number of accumulation units outstanding at end of period (000 omitted)	8,376	8,961	8,737	8,661	9,200	8,752	8,651	8,534	9,937	12,889

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.43	$1.80	$1.89	$1.50	$1.49	$1.43	$1.34	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,195	6,126	7,321	8,453	10,774	12,892	17,219	21,813	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.23	$1.08	$1.17	$1.08	$0.97	$1.03	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,564	9,892	10,957	10,172	8,537	7,340	4,139	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22	$1.07
Accumulation unit value at end of period	$2.73	$2.20	$2.54	$2.18	$1.88	$2.03	$1.87	$1.39	$1.18	$1.22
Number of accumulation units outstanding at end of period (000 omitted)	9,144	10,824	13,154	16,100	20,412	24,290	30,112	35,922	43,939	51,081

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.77	$1.93	$1.80	$1.58	$1.56	$1.40	$1.08	$0.92	$1.00	—
Accumulation unit value at end of period	$2.19	$1.77	$1.93	$1.80	$1.58	$1.56	$1.40	$1.08	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	3,628	4,043	5,566	6,426	5,126	5,516	5,509	4,566	4,289	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05	$1.01
Accumulation unit value at end of period	$2.81	$2.14	$2.15	$1.88	$2.15	$2.11	$1.78	$1.28	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	2,647	3,002	3,667	4,546	6,813	5,708	5,335	4,583	4,633	4,675

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38	$1.23
Accumulation unit value at end of period	$2.08	$1.63	$1.95	$1.60	$1.63	$1.69	$1.70	$1.45	$1.27	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	7,359	8,808	11,096	13,294	15,354	15,999	15,539	17,045	20,480	24,477

Invesco V.I. Mid Cap Growth Fund, Series II Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.59	$1.70	$1.41	$1.41	$1.41	$1.32	$0.98	$1.00	—	—
Accumulation unit value at end of period	$2.10	$1.59	$1.70	$1.41	$1.41	$1.41	$1.32	$0.98	—	—
Number of accumulation units outstanding at end of period (000 omitted)	844	965	1,057	1,250	3,527	3,767	4,529	5,179	—	—
*Invesco V.I. Mid Cap Growth Fund, Series II Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series II Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.68	$1.71	$1.28	$1.30	$1.23	$1.12	$0.90	$0.82	$0.87	$0.72
Accumulation unit value at end of period	$2.27	$1.68	$1.71	$1.28	$1.30	$1.23	$1.12	$0.90	$0.82	$0.87
Number of accumulation units outstanding at end of period (000 omitted)	2,901	3,299	3,600	4,250	5,647	6,136	7,262	8,097	9,279	10,745

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.31	$1.08	$1.16	$0.99	$1.02	$1.13	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,463	3,665	3,818	5,182	7,482	8,642	5,339	—	—	—

114 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.20	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	17,349	9,865	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.11	$1.02	$1.05	$1.02	$1.01	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	16,524	14,892	16,421	16,815	12,008	5,319	1,772	—	—	—

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96	$0.85
Accumulation unit value at end of period	$2.55	$1.91	$1.98	$1.57	$1.58	$1.52	$1.36	$1.05	$0.90	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	5,029	5,388	5,586	6,279	7,362	7,359	9,102	10,929	13,639	18,753

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.49	$1.27	$1.38	$1.15	$1.13	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,889	3,646	2,938	2,834	3,086	2,470	1,416	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.29	$1.30	$1.02	$0.98	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.79	$1.29	$1.30	$1.02	$0.98	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	9,662	11,070	12,864	15,670	18,780	—	—	—	—	—

MFS^® New Discovery Series – Service Class (5/1/2000)
Accumulation unit value at beginning of period	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29	$0.96
Accumulation unit value at end of period	$3.13	$2.24	$2.30	$1.84	$1.71	$1.76	$1.92	$1.37	$1.15	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	4,130	4,380	5,070	5,967	7,470	9,073	12,730	14,561	18,476	17,906

MFS^® Utilities Series – Service Class (8/13/2001)
Accumulation unit value at beginning of period	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03	$1.80
Accumulation unit value at end of period	$4.14	$3.35	$3.36	$2.96	$2.69	$3.18	$2.86	$2.40	$2.14	$2.03
Number of accumulation units outstanding at end of period (000 omitted)	11,400	11,893	13,841	15,339	17,604	21,703	22,161	24,763	28,483	30,235

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29	$0.98
Accumulation unit value at end of period	$3.07	$2.21	$2.02	$1.47	$1.63	$1.75	$1.74	$1.28	$1.19	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	5,148	4,517	3,608	3,758	4,823	5,706	6,523	7,547	11,091	11,306

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04	$0.86
Accumulation unit value at end of period	$1.57	$1.34	$1.48	$1.36	$1.33	$1.36	$1.21	$1.19	$0.92	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,675	4,443	5,766	7,037	8,633	9,869	11,018	11,521	13,857	16,073

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91	$0.75
Accumulation unit value at end of period	$1.33	$1.05	$1.27	$1.02	$1.04	$1.04	$1.08	$0.93	$0.79	$0.91
Number of accumulation units outstanding at end of period (000 omitted)	1,670	2,137	2,678	2,865	3,296	3,552	3,805	3,744	4,654	5,093

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.89	$0.96	$0.91	$0.93	$0.99	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.02	$0.89	$0.96	$0.91	$0.93	$0.99	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,329	1,181	1,066	1,043	1,028	390	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25	$1.12
Accumulation unit value at end of period	$1.66	$1.50	$1.60	$1.43	$1.27	$1.42	$1.42	$1.44	$1.26	$1.25
Number of accumulation units outstanding at end of period (000 omitted)	11,304	12,577	14,975	16,963	21,291	30,891	40,275	51,223	49,462	49,921

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.21	$1.05	$1.12	$0.99	$0.96	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,190	1,143	1,023	938	1,206	1,023	1,373	1,076	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.10	$1.02	$1.04	$1.00	$0.99	$1.00	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	14,655	10,862	8,970	5,911	4,281	3,259	2,683	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$2.50	$2.54	$2.22	$2.53	$2.37	$1.87	$1.34	$1.10	$1.13	$1.11
Accumulation unit value at end of period	$3.23	$2.50	$2.54	$2.22	$2.53	$2.37	$1.87	$1.34	$1.10	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	2,216	2,712	3,160	3,689	4,933	4,272	4,170	4,303	5,005	5,824

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 115

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Putnam VT International Equity Fund – Class IB Shares (8/13/2001)
Accumulation unit value at beginning of period	$1.45	$1.81	$1.44	$1.49	$1.51	$1.63	$1.28	$1.06	$1.29	$1.19
Accumulation unit value at end of period	$1.80	$1.45	$1.81	$1.44	$1.49	$1.51	$1.63	$1.28	$1.06	$1.29
Number of accumulation units outstanding at end of period (000 omitted)	2,169	2,654	3,226	3,660	4,323	4,355	4,853	5,772	7,324	8,590

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.32	$2.46	$2.52	$1.97	$1.84	$1.87	$1.66	$1.23	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	3,726	4,052	4,245	4,766	5,636	6,247	6,713	7,461	9,245	11,503

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.97	$0.96	$0.96	$0.94	$0.99	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,203	12,794	12,265	9,937	10,469	9,367	5,007	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$1.00	$0.72	$0.87	$0.79	$0.54	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,480	3,448	3,826	3,808	2,337	1,658	856	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.56	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	130,387	152,982	169,477	176,564	194,758	199,324	205,762	177,549	153,074	45,018

Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12	$1.00
Accumulation unit value at end of period	$2.01	$1.67	$1.84	$1.57	$1.49	$1.52	$1.45	$1.21	$1.08	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	21,751	25,064	31,478	37,085	47,381	54,255	80,004	87,969	109,521	123,203

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	91,936	78,912	91,597	101,651	94,924	100,672	134,759	211,589	152,207	39,107

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05	$1.00
Accumulation unit value at end of period	$1.36	$1.24	$1.29	$1.21	$1.19	$1.20	$1.16	$1.14	$1.07	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	27,564	31,020	39,141	50,251	56,974	65,491	91,676	146,041	137,636	129,583

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.12	$0.97	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	108,282	62,630	10,418	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$1.00	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.17	$1.00	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	98,291	46,893	4,550	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.08	$1.12	$1.04	$1.02	$1.04	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	239,126	190,637	196,362	173,746	84,219	47,213	23,356	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	$1.00	—	—	—
Accumulation unit value at end of period	$1.27	$1.12	$1.18	$1.08	$1.05	$1.08	$1.04	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	589,254	551,934	559,214	545,537	342,067	214,158	98,193	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.42	$1.21	$1.32	$1.14	$1.11	$1.16	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,413,827	4,142,751	3,565,618	3,079,934	2,461,500	1,530,962	541,712	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (4/30/2012)
Accumulation unit value at beginning of period	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	$1.00	—	—
Accumulation unit value at end of period	$1.44	$1.25	$1.34	$1.19	$1.16	$1.20	$1.16	$1.02	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,604,543	5,611,465	5,348,661	5,069,930	4,166,843	3,245,376	2,279,309	956,051	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	1,213,328	1,174,752	1,240,606	1,265,648	1,290,607	1,313,689	1,372,194	1,323,161	1,036,629	372,331

116 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09	$1.00
Accumulation unit value at end of period	$1.69	$1.47	$1.57	$1.40	$1.35	$1.37	$1.32	$1.19	$1.09	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	252,813	294,255	352,246	428,255	534,847	628,237	704,894	756,580	839,441	951,448

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.70	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	472,312	543,398	606,530	641,719	690,999	712,898	755,350	671,792	586,675	199,756

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11	$1.00
Accumulation unit value at end of period	$1.85	$1.57	$1.71	$1.48	$1.42	$1.45	$1.39	$1.21	$1.09	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	100,907	122,007	143,369	171,087	217,245	254,402	336,824	380,336	451,744	514,222

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.30	$1.27	$1.28	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	253,836	242,612	272,779	289,627	299,356	321,778	370,454	457,930	335,257	125,196

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.52	$1.35	$1.42	$1.31	$1.27	$1.28	$1.24	$1.17	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	74,013	82,017	99,579	122,688	154,486	187,724	235,162	314,235	323,133	335,424

Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97	$0.88
Accumulation unit value at end of period	$2.11	$1.69	$1.85	$1.55	$1.43	$1.44	$1.30	$1.02	$0.93	$0.97
Number of accumulation units outstanding at end of period (000 omitted)	2,060	2,573	3,150	3,677	4,538	5,373	6,310	7,221	9,394	12,490

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (8/14/2001)
Accumulation unit value at beginning of period	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01	$1.63
Accumulation unit value at end of period	$3.47	$2.93	$3.42	$3.22	$2.59	$2.89	$2.86	$2.14	$1.90	$2.01
Number of accumulation units outstanding at end of period (000 omitted)	4,688	5,226	6,360	7,636	9,211	11,003	13,581	16,925	21,324	26,229

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.01	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.22	$1.07	$1.11	$1.01	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	121,321	76,924	46,011	5,179	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.15	$1.21	$1.03	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.37	$1.15	$1.21	$1.03	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,413,115	921,056	515,181	92,936	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.11	$1.16	$1.02	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.30	$1.11	$1.16	$1.02	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	871,453	630,876	379,986	48,868	—	—	—	—	—	—

Wanger International (9/15/1999)
Accumulation unit value at beginning of period	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55	$2.06
Accumulation unit value at end of period	$3.99	$3.10	$3.81	$2.89	$2.96	$2.98	$3.15	$2.60	$2.16	$2.55
Number of accumulation units outstanding at end of period (000 omitted)	11,097	13,040	14,860	16,879	20,631	23,709	27,965	32,328	41,066	50,298

Wanger USA (9/15/1999)
Accumulation unit value at beginning of period	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00	$1.64
Accumulation unit value at end of period	$5.20	$4.01	$4.10	$3.47	$3.08	$3.13	$3.01	$2.27	$1.91	$2.00
Number of accumulation units outstanding at end of period (000 omitted)	13,076	15,269	17,899	20,983	25,786	30,286	36,897	43,824	54,608	67,604

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39	$1.20
Accumulation unit value at end of period	$1.78	$1.55	$1.90	$1.54	$1.50	$1.49	$1.59	$1.34	$1.20	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	4,957	5,463	5,939	5,786	7,081	6,905	7,648	9,560	12,050	15,532

Wells Fargo VT Opportunity Fund – Class 2 (8/13/2001)
Accumulation unit value at beginning of period	$2.69	$2.92	$2.45	$2.20	$2.30	$2.10	$1.62	$1.42	$1.51	$1.24
Accumulation unit value at end of period	$3.50	$2.69	$2.92	$2.45	$2.20	$2.30	$2.10	$1.62	$1.42	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	3,890	4,410	5,087	5,903	6,749	7,586	9,027	10,721	13,842	9,802

Wells Fargo VT Small Cap Growth Fund – Class 2 (5/1/2001)
Accumulation unit value at beginning of period	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45	$1.16
Accumulation unit value at end of period	$3.37	$2.72	$2.71	$2.18	$2.04	$2.12	$2.18	$1.47	$1.37	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	7,614	7,939	7,126	7,160	7,984	7,461	8,750	10,201	12,890	18,266

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 117

Variable account charges of 0.95% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.13	$1.05	$0.92	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,661	3,597	3,339	2,430	2,464	1,908	770	—	—	—

Variable account charges of 1.20% of the daily net assets of the variable account.

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
AB VPS Dynamic Asset Allocation Portfolio (Class B) (4/29/2013)
Accumulation unit value at beginning of period	$1.13	$1.23	$1.09	$1.07	$1.10	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.13	$1.23	$1.09	$1.07	$1.10	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,133	1,199	682	577	504	435	433	—	—	—

AB VPS Global Thematic Growth Portfolio (Class B) (11/1/2005)
Accumulation unit value at beginning of period	$1.57	$1.76	$1.31	$1.33	$1.32	$1.27	$1.05	$0.93	$1.24	$1.05
Accumulation unit value at end of period	$2.01	$1.57	$1.76	$1.31	$1.33	$1.32	$1.27	$1.05	$0.93	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	100	84	253	259	277	290	309	288	415	437

AB VPS Growth and Income Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$2.33	$2.50	$2.13	$1.95	$1.94	$1.80	$1.35	$1.17	$1.11	$1.00
Accumulation unit value at end of period	$2.84	$2.33	$2.50	$2.13	$1.95	$1.94	$1.80	$1.35	$1.17	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	783	883	1,042	1,165	1,389	1,629	1,714	2,074	2,548	3,288

AB VPS International Value Portfolio (Class B) (2/13/2002)
Accumulation unit value at beginning of period	$1.59	$2.09	$1.69	$1.72	$1.70	$1.84	$1.52	$1.35	$1.69	$1.64
Accumulation unit value at end of period	$1.83	$1.59	$2.09	$1.69	$1.72	$1.70	$1.84	$1.52	$1.35	$1.69
Number of accumulation units outstanding at end of period (000 omitted)	1,374	1,521	1,760	2,127	2,375	2,643	3,099	3,734	4,866	6,458

ALPS/Alerian Energy Infrastructure Portfolio: Class III (4/30/2013)
Accumulation unit value at beginning of period	$0.79	$0.98	$1.00	$0.72	$1.18	$1.06	$1.00	—	—	—
Accumulation unit value at end of period	$0.94	$0.79	$0.98	$1.00	$0.72	$1.18	$1.06	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,892	3,975	4,151	3,546	3,236	2,228	543	—	—	—

American Century VP International, Class II (2/13/2002)
Accumulation unit value at beginning of period	$1.79	$2.13	$1.65	$1.77	$1.78	$1.91	$1.58	$1.32	$1.52	$1.36
Accumulation unit value at end of period	$2.26	$1.79	$2.13	$1.65	$1.77	$1.78	$1.91	$1.58	$1.32	$1.52
Number of accumulation units outstanding at end of period (000 omitted)	426	466	516	573	661	780	850	987	1,335	1,679

American Century VP Mid Cap Value, Class II (5/1/2007)
Accumulation unit value at beginning of period	$1.87	$2.18	$1.98	$1.63	$1.68	$1.46	$1.14	$0.99	$1.01	$0.86
Accumulation unit value at end of period	$2.39	$1.87	$2.18	$1.98	$1.63	$1.68	$1.46	$1.14	$0.99	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	564	620	841	822	522	574	599	625	582	775

American Century VP Ultra^®, Class II (11/1/2005)
Accumulation unit value at beginning of period	$2.38	$2.40	$1.84	$1.78	$1.70	$1.57	$1.16	$1.03	$1.03	$0.90
Accumulation unit value at end of period	$3.17	$2.38	$2.40	$1.84	$1.78	$1.70	$1.57	$1.16	$1.03	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	559	546	530	641	631	701	770	915	992	992

American Century VP Value, Class II (2/13/2002)
Accumulation unit value at beginning of period	$2.45	$2.73	$2.54	$2.14	$2.26	$2.02	$1.56	$1.38	$1.38	$1.24
Accumulation unit value at end of period	$3.07	$2.45	$2.73	$2.54	$2.14	$2.26	$2.02	$1.56	$1.38	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	3,603	3,858	4,171	4,465	4,733	4,750	4,853	4,953	5,339	5,469

BlackRock Global Allocation V.I. Fund (Class III) (4/30/2012)
Accumulation unit value at beginning of period	$1.20	$1.32	$1.17	$1.14	$1.17	$1.16	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.40	$1.20	$1.32	$1.17	$1.14	$1.17	$1.16	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,355	4,558	4,381	4,425	4,355	3,099	1,906	428	—	—

Calvert VP SRI Balanced Portfolio – Class I (2/13/2002)
Accumulation unit value at beginning of period	$1.83	$1.91	$1.72	$1.62	$1.67	$1.54	$1.33	$1.21	$1.17	$1.06
Accumulation unit value at end of period	$2.26	$1.83	$1.91	$1.72	$1.62	$1.67	$1.54	$1.33	$1.21	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	380	385	419	452	524	596	614	583	649	737

ClearBridge Variable Small Cap Growth Portfolio – Class I (4/27/2007)
Accumulation unit value at beginning of period	$2.27	$2.22	$1.81	$1.73	$1.83	$1.78	$1.23	$1.04	$1.04	$0.84
Accumulation unit value at end of period	$2.85	$2.27	$2.22	$1.81	$1.73	$1.83	$1.78	$1.23	$1.04	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	106	113	107	116	150	176	184	116	142	172

Columbia Variable Portfolio – Balanced Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.11	$2.27	$2.00	$1.91	$1.90	$1.74	$1.45	$1.29	$1.27	$1.14
Accumulation unit value at end of period	$2.56	$2.11	$2.27	$2.00	$1.91	$1.90	$1.74	$1.45	$1.29	$1.27
Number of accumulation units outstanding at end of period (000 omitted)	11,684	11,070	10,404	9,620	6,606	4,407	3,681	3,269	3,744	4,325

118 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Commodity Strategy Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$0.51	$0.60	$0.60	$0.54	$0.72	$0.92	$1.00	—	—	—
Accumulation unit value at end of period	$0.54	$0.51	$0.60	$0.60	$0.54	$0.72	$0.92	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	728	820	1,020	675	523	355	32	—	—	—

Columbia Variable Portfolio – Contrarian Core Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.58	$1.76	$1.47	$1.37	$1.35	$1.21	$1.00	—	—	—
Accumulation unit value at end of period	$2.07	$1.58	$1.76	$1.47	$1.37	$1.35	$1.21	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	4,948	5,072	5,544	5,240	3,941	1,859	342	—	—	—

Columbia Variable Portfolio – Disciplined Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.32	$2.44	$1.99	$1.87	$1.87	$1.65	$1.25	$1.11	$1.07	$0.92
Accumulation unit value at end of period	$2.86	$2.32	$2.44	$1.99	$1.87	$1.87	$1.65	$1.25	$1.11	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	1,064	1,148	1,237	1,598	1,912	2,126	2,670	3,109	3,980	5,013

Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.79	$0.88	$0.86	$0.90	$0.92	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$0.80	$0.79	$0.88	$0.86	$0.90	$0.92	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	383	377	369	404	489	339	252	—	—	—
*Columbia Variable Portfolio – Diversified Absolute Return Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

Columbia Variable Portfolio – Dividend Opportunity Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.65	$2.85	$2.53	$2.25	$2.34	$2.16	$1.72	$1.53	$1.63	$1.41
Accumulation unit value at end of period	$3.25	$2.65	$2.85	$2.53	$2.25	$2.34	$2.16	$1.72	$1.53	$1.63
Number of accumulation units outstanding at end of period (000 omitted)	2,966	3,235	4,113	4,760	5,343	6,204	7,057	8,522	11,111	13,939

Columbia Variable Portfolio – Emerging Markets Bond Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$0.98	$1.07	$0.97	$0.88	$0.90	$0.90	$1.00	—	—	—
Accumulation unit value at end of period	$1.08	$0.98	$1.07	$0.97	$0.88	$0.90	$0.90	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,094	946	1,039	680	523	498	254	—	—	—

Columbia Variable Portfolio – Emerging Markets Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$3.11	$4.02	$2.76	$2.66	$2.96	$3.07	$3.16	$2.65	$3.40	$2.87
Accumulation unit value at end of period	$4.04	$3.11	$4.02	$2.76	$2.66	$2.96	$3.07	$3.16	$2.65	$3.40
Number of accumulation units outstanding at end of period (000 omitted)	553	592	653	762	971	1,096	1,470	1,611	1,940	2,468

Columbia Variable Portfolio – Global Strategic Income Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.45	$1.55	$1.48	$1.52	$1.64	$1.65	$1.81	$1.72	$1.66	$1.58
Accumulation unit value at end of period	$1.59	$1.45	$1.55	$1.48	$1.52	$1.64	$1.65	$1.81	$1.72	$1.66
Number of accumulation units outstanding at end of period (000 omitted)	1,458	1,714	1,960	2,261	2,629	3,119	4,069	5,077	5,792	7,371

Columbia Variable Portfolio – Government Money Market Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$0.98	$0.98	$0.98	$1.00	$1.01	$1.02	$1.03	$1.04	$1.06	$1.07
Accumulation unit value at end of period	$0.98	$0.98	$0.98	$0.98	$1.00	$1.01	$1.02	$1.03	$1.04	$1.06
Number of accumulation units outstanding at end of period (000 omitted)	1,989	2,503	1,767	2,795	2,879	3,212	3,817	3,990	5,730	7,758

Columbia Variable Portfolio – High Yield Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.51	$2.65	$2.52	$2.28	$2.33	$2.28	$2.18	$1.90	$1.82	$1.62
Accumulation unit value at end of period	$2.89	$2.51	$2.65	$2.52	$2.28	$2.33	$2.28	$2.18	$1.90	$1.82
Number of accumulation units outstanding at end of period (000 omitted)	1,630	2,027	2,620	3,322	3,561	4,212	4,734	5,671	6,355	7,802

Columbia Variable Portfolio – Income Opportunities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.96	$2.06	$1.96	$1.79	$1.83	$1.79	$1.72	$1.52	$1.45	$1.29
Accumulation unit value at end of period	$2.25	$1.96	$2.06	$1.96	$1.79	$1.83	$1.79	$1.72	$1.52	$1.45
Number of accumulation units outstanding at end of period (000 omitted)	2,202	2,510	3,053	3,559	2,525	2,885	3,286	4,217	4,518	5,416

Columbia Variable Portfolio – Intermediate Bond Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.56	$1.58	$1.54	$1.49	$1.51	$1.45	$1.50	$1.41	$1.34	$1.25
Accumulation unit value at end of period	$1.68	$1.56	$1.58	$1.54	$1.49	$1.51	$1.45	$1.50	$1.41	$1.34
Number of accumulation units outstanding at end of period (000 omitted)	6,204	6,366	7,414	8,459	9,169	10,127	12,817	18,482	20,159	26,396

Columbia Variable Portfolio – Large Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.16	$2.28	$1.80	$1.80	$1.67	$1.48	$1.15	$0.97	$1.02	$0.88
Accumulation unit value at end of period	$2.89	$2.16	$2.28	$1.80	$1.80	$1.67	$1.48	$1.15	$0.97	$1.02
Number of accumulation units outstanding at end of period (000 omitted)	856	968	1,150	1,447	1,787	1,872	1,991	2,239	2,709	3,547

Columbia Variable Portfolio – Large Cap Index Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.42	$2.57	$2.15	$1.95	$1.96	$1.75	$1.34	$1.18	$1.17	$1.03
Accumulation unit value at end of period	$3.13	$2.42	$2.57	$2.15	$1.95	$1.96	$1.75	$1.34	$1.18	$1.17
Number of accumulation units outstanding at end of period (000 omitted)	11,080	9,042	7,913	6,216	5,727	4,397	3,312	2,590	3,038	3,421

Columbia Variable Portfolio – Limited Duration Credit Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$1.05	$1.07	$1.06	$1.02	$1.06	$1.07	$1.07	$1.02	$1.01	$1.00
Accumulation unit value at end of period	$1.12	$1.05	$1.07	$1.06	$1.02	$1.06	$1.07	$1.07	$1.02	$1.01
Number of accumulation units outstanding at end of period (000 omitted)	4,213	3,803	2,772	2,252	1,815	1,789	1,413	1,113	1,220	145

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 119

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Columbia Variable Portfolio – Long Government/Credit Bond Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.02	$1.09	$0.99	$0.97	$0.99	$0.95	$1.00	—	—	—
Accumulation unit value at end of period	$1.20	$1.02	$1.09	$0.99	$0.97	$0.99	$0.95	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,008	709	786	723	494	312	45	—	—	—

Columbia Variable Portfolio – Mid Cap Growth Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.31	$2.45	$2.02	$2.00	$1.92	$1.81	$1.40	$1.27	$1.52	$1.22
Accumulation unit value at end of period	$3.08	$2.31	$2.45	$2.02	$2.00	$1.92	$1.81	$1.40	$1.27	$1.52
Number of accumulation units outstanding at end of period (000 omitted)	228	284	285	308	383	371	453	560	877	1,155

Columbia Variable Portfolio – Overseas Core Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.75	$2.13	$1.69	$1.83	$1.76	$1.95	$1.61	$1.39	$1.60	$1.42
Accumulation unit value at end of period	$2.17	$1.75	$2.13	$1.69	$1.83	$1.76	$1.95	$1.61	$1.39	$1.60
Number of accumulation units outstanding at end of period (000 omitted)	572	642	782	933	752	667	806	885	1,090	1,443

Columbia Variable Portfolio – Select Large Cap Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.27	$2.62	$2.19	$1.85	$1.97	$1.79	$1.32	$1.12	$1.16	$0.97
Accumulation unit value at end of period	$2.83	$2.27	$2.62	$2.19	$1.85	$1.97	$1.79	$1.32	$1.12	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	440	543	358	402	600	829	710	665	477	561

Columbia Variable Portfolio – Select Mid Cap Value Fund (Class 3) (5/2/2005)
Accumulation unit value at beginning of period	$2.18	$2.55	$2.27	$2.02	$2.15	$1.94	$1.43	$1.22	$1.35	$1.11
Accumulation unit value at end of period	$2.83	$2.18	$2.55	$2.27	$2.02	$2.15	$1.94	$1.43	$1.22	$1.35
Number of accumulation units outstanding at end of period (000 omitted)	438	467	468	533	648	721	814	1,034	1,325	1,680

Columbia Variable Portfolio – Select Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.74	$3.18	$2.87	$2.55	$2.67	$2.55	$1.74	$1.49	$1.65	$1.32
Accumulation unit value at end of period	$3.19	$2.74	$3.18	$2.87	$2.55	$2.67	$2.55	$1.74	$1.49	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	225	251	258	313	364	391	424	452	705	880

Columbia Variable Portfolio – U.S. Government Mortgage Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$1.20	$1.20	$1.17	$1.16	$1.16	$1.11	$1.14	$1.14	$1.14	$1.12
Accumulation unit value at end of period	$1.27	$1.20	$1.20	$1.17	$1.16	$1.16	$1.11	$1.14	$1.14	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	1,776	2,112	2,603	3,123	3,392	4,235	5,295	6,553	7,651	9,727

Credit Suisse Trust – Commodity Return Strategy Portfolio (5/1/2006)
Accumulation unit value at beginning of period	$0.44	$0.50	$0.50	$0.45	$0.61	$0.74	$0.83	$0.86	$1.00	$0.87
Accumulation unit value at end of period	$0.46	$0.44	$0.50	$0.50	$0.45	$0.61	$0.74	$0.83	$0.86	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	581	596	1,528	815	1,068	1,397	1,744	2,125	2,408	2,563

CTIVP^® – AQR Managed Futures Strategy Fund (Class 2)* (4/29/2013)
Accumulation unit value at beginning of period	$0.88	$0.97	$0.99	$1.10	$1.12	$1.03	$1.00	—	—	—
Accumulation unit value at end of period	$0.88	$0.88	$0.97	$0.99	$1.10	$1.12	$1.03	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	731	890	888	1,113	918	474	184	—	—	—
*CTIVP^® – AQR Managed Futures Strategy Fund (Class 2) is scheduled to liquidate on or about April 24, 2020.

CTIVP^® – BlackRock Global Inflation-Protected Securities Fund (Class 3) (9/13/2004)
Accumulation unit value at beginning of period	$1.41	$1.44	$1.42	$1.32	$1.36	$1.27	$1.36	$1.30	$1.19	$1.16
Accumulation unit value at end of period	$1.50	$1.41	$1.44	$1.42	$1.32	$1.36	$1.27	$1.36	$1.30	$1.19
Number of accumulation units outstanding at end of period (000 omitted)	1,995	2,319	2,718	3,142	3,388	3,714	4,528	6,547	7,560	9,304

CTIVP^® – Lazard International Equity Advantage Fund (Class 2) (4/30/2013)
Accumulation unit value at beginning of period	$1.02	$1.23	$1.01	$0.98	$1.04	$1.05	$1.00	—	—	—
Accumulation unit value at end of period	$1.18	$1.02	$1.23	$1.01	$0.98	$1.04	$1.05	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,997	1,779	1,306	530	290	86	36	—	—	—

CTIVP^® – Loomis Sayles Growth Fund (Class 1) (4/29/2016)
Accumulation unit value at beginning of period	$1.34	$1.39	$1.06	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.74	$1.34	$1.39	$1.06	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,637	1,797	1,874	2,133	—	—	—	—	—	—

CTIVP^® – Victory Sycamore Established Value Fund (Class 3) (2/4/2004)
Accumulation unit value at beginning of period	$2.58	$2.90	$2.54	$2.13	$2.15	$1.94	$1.45	$1.25	$1.35	$1.12
Accumulation unit value at end of period	$3.26	$2.58	$2.90	$2.54	$2.13	$2.15	$1.94	$1.45	$1.25	$1.35
Number of accumulation units outstanding at end of period (000 omitted)	338	315	292	206	187	156	168	218	282	347

CTIVP^® – Wells Fargo Short Duration Government Fund (Class 2) (7/19/2010)
Accumulation unit value at beginning of period	$0.97	$0.97	$0.98	$0.98	$1.00	$1.00	$1.02	$1.01	$1.00	$1.00
Accumulation unit value at end of period	$0.99	$0.97	$0.97	$0.98	$0.98	$1.00	$1.00	$1.02	$1.01	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	1,583	1,423	1,993	1,417	972	618	335	395	320	163

DWS Alternative Asset Allocation VIP, Class B (4/30/2012)
Accumulation unit value at beginning of period	$0.92	$1.03	$0.97	$0.94	$1.01	$0.99	$1.00	$1.00	—	—
Accumulation unit value at end of period	$1.04	$0.92	$1.03	$0.97	$0.94	$1.01	$0.99	$1.00	—	—
Number of accumulation units outstanding at end of period (000 omitted)	915	1,064	1,129	1,269	1,268	1,159	896	228	—	—

120 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Eaton Vance VT Floating-Rate Income Fund – Initial Class (5/1/2006)
Accumulation unit value at beginning of period	$1.33	$1.35	$1.32	$1.22	$1.25	$1.26	$1.23	$1.16	$1.14	$1.06
Accumulation unit value at end of period	$1.41	$1.33	$1.35	$1.32	$1.22	$1.25	$1.26	$1.23	$1.16	$1.14
Number of accumulation units outstanding at end of period (000 omitted)	2,623	3,601	3,408	4,072	4,727	6,455	8,259	5,538	6,419	6,500

Fidelity^® VIP Contrafund^SM Portfolio Service Class 2 (5/1/2006)
Accumulation unit value at beginning of period	$1.92	$2.09	$1.74	$1.63	$1.64	$1.49	$1.15	$1.00	$1.05	$0.90
Accumulation unit value at end of period	$2.50	$1.92	$2.09	$1.74	$1.63	$1.64	$1.49	$1.15	$1.00	$1.05
Number of accumulation units outstanding at end of period (000 omitted)	9,782	9,552	10,078	10,461	11,918	10,949	10,325	10,153	11,122	12,302

Fidelity^® VIP Growth & Income Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.21	$2.47	$2.14	$1.87	$1.94	$1.78	$1.35	$1.16	$1.16	$1.02
Accumulation unit value at end of period	$2.83	$2.21	$2.47	$2.14	$1.87	$1.94	$1.78	$1.35	$1.16	$1.16
Number of accumulation units outstanding at end of period (000 omitted)	1,266	1,557	1,756	2,042	2,291	2,557	2,893	3,338	4,067	5,091

Fidelity^® VIP Mid Cap Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.53	$4.19	$3.52	$3.18	$3.27	$3.12	$2.33	$2.05	$2.33	$1.84
Accumulation unit value at end of period	$4.29	$3.53	$4.19	$3.52	$3.18	$3.27	$3.12	$2.33	$2.05	$2.33
Number of accumulation units outstanding at end of period (000 omitted)	4,405	4,418	4,805	4,976	5,488	5,341	5,816	6,547	8,022	9,514

Fidelity^® VIP Overseas Portfolio Service Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$1.85	$2.21	$1.72	$1.84	$1.80	$1.99	$1.54	$1.30	$1.59	$1.43
Accumulation unit value at end of period	$2.34	$1.85	$2.21	$1.72	$1.84	$1.80	$1.99	$1.54	$1.30	$1.59
Number of accumulation units outstanding at end of period (000 omitted)	545	718	792	945	1,109	1,245	1,403	1,536	1,936	2,441

Fidelity^® VIP Strategic Income Portfolio Service Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.10	$1.04	$0.97	$1.00	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.16	$1.06	$1.10	$1.04	$0.97	$1.00	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	10,065	7,409	6,336	4,238	3,345	2,973	530	—	—	—

Franklin Global Real Estate VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$1.97	$2.14	$1.96	$1.97	$1.98	$1.75	$1.73	$1.37	$1.47	$1.23
Accumulation unit value at end of period	$2.38	$1.97	$2.14	$1.96	$1.97	$1.98	$1.75	$1.73	$1.37	$1.47
Number of accumulation units outstanding at end of period (000 omitted)	834	991	1,155	1,402	1,733	1,968	2,260	2,435	2,639	3,274

Franklin Income VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$1.17	$1.24	$1.14	$1.01	$1.10	$1.07	$1.00	—	—	—
Accumulation unit value at end of period	$1.34	$1.17	$1.24	$1.14	$1.01	$1.10	$1.07	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,083	5,060	4,376	4,296	5,121	4,599	864	—	—	—

Franklin Mutual Shares VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.08	$2.32	$2.17	$1.89	$2.01	$1.90	$1.50	$1.33	$1.36	$1.24
Accumulation unit value at end of period	$2.52	$2.08	$2.32	$2.17	$1.89	$2.01	$1.90	$1.50	$1.33	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	1,684	1,948	2,087	2,078	2,317	2,485	2,751	3,107	3,633	4,727

Franklin Small Cap Value VIP Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.09	$3.59	$3.29	$2.56	$2.79	$2.81	$2.09	$1.78	$1.88	$1.48
Accumulation unit value at end of period	$3.86	$3.09	$3.59	$3.29	$2.56	$2.79	$2.81	$2.09	$1.78	$1.88
Number of accumulation units outstanding at end of period (000 omitted)	1,940	1,847	2,091	2,042	2,005	2,092	1,922	2,057	2,496	2,911

Goldman Sachs VIT Mid Cap Value Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$3.09	$3.50	$3.19	$2.84	$3.16	$2.82	$2.15	$1.83	$1.98	$1.60
Accumulation unit value at end of period	$4.02	$3.09	$3.50	$3.19	$2.84	$3.16	$2.82	$2.15	$1.83	$1.98
Number of accumulation units outstanding at end of period (000 omitted)	1,080	1,247	1,532	1,808	2,160	2,452	2,896	3,719	4,717	6,137

Goldman Sachs VIT Multi-Strategy Alternatives Portfolio – Advisor Shares (6/30/2014)
Accumulation unit value at beginning of period	$0.86	$0.93	$0.90	$0.91	$0.97	$1.00	—	—	—	—
Accumulation unit value at end of period	$0.92	$0.86	$0.93	$0.90	$0.91	$0.97	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	822	602	530	392	337	85	—	—	—	—

Goldman Sachs VIT U.S. Equity Insights Fund – Institutional Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.46	$2.66	$2.17	$1.98	$2.01	$1.75	$1.28	$1.14	$1.10	$0.99
Accumulation unit value at end of period	$3.05	$2.46	$2.66	$2.17	$1.98	$2.01	$1.75	$1.28	$1.14	$1.10
Number of accumulation units outstanding at end of period (000 omitted)	757	1,006	1,085	1,312	1,573	1,694	2,113	2,613	3,289	4,364

Invesco Oppenheimer V.I. Global Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.33	$2.72	$2.02	$2.05	$2.00	$1.98	$1.58	$1.32	$1.46	$1.28
Accumulation unit value at end of period	$3.02	$2.33	$2.72	$2.02	$2.05	$2.00	$1.98	$1.58	$1.32	$1.46
Number of accumulation units outstanding at end of period (000 omitted)	3,065	3,124	2,835	2,560	3,117	2,651	2,554	2,440	2,763	2,966

Invesco Oppenheimer V.I. Global Strategic Income Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$1.53	$1.63	$1.55	$1.48	$1.53	$1.51	$1.54	$1.38	$1.38	$1.22
Accumulation unit value at end of period	$1.68	$1.53	$1.63	$1.55	$1.48	$1.53	$1.51	$1.54	$1.38	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	5,069	5,415	6,884	7,596	9,456	11,272	13,581	17,582	20,765	25,920

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 121

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Invesco Oppenheimer V.I. Main Street Small Cap Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.55	$2.89	$2.57	$2.21	$2.38	$2.16	$1.55	$1.33	$1.38	$1.14
Accumulation unit value at end of period	$3.18	$2.55	$2.89	$2.57	$2.21	$2.38	$2.16	$1.55	$1.33	$1.38
Number of accumulation units outstanding at end of period (000 omitted)	1,984	2,251	2,294	2,023	1,973	1,628	1,577	1,506	1,679	2,099

Invesco V.I. American Franchise Fund, Series II Shares (4/27/2012)
Accumulation unit value at beginning of period	$1.77	$1.87	$1.49	$1.47	$1.43	$1.33	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.39	$1.77	$1.87	$1.49	$1.47	$1.43	$1.33	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	599	704	739	955	1,178	1,420	2,006	2,437	—	—

Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.16	$1.07	$0.97	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.16	$1.07	$0.97	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	2,664	2,577	3,205	3,225	3,496	2,734	2,301	—	—	—

Invesco V.I. Comstock Fund, Series II Shares (2/4/2004)
Accumulation unit value at beginning of period	$2.12	$2.45	$2.11	$1.83	$1.97	$1.83	$1.36	$1.16	$1.20	$1.05
Accumulation unit value at end of period	$2.62	$2.12	$2.45	$2.11	$1.83	$1.97	$1.83	$1.36	$1.16	$1.20
Number of accumulation units outstanding at end of period (000 omitted)	1,928	2,195	2,400	2,997	3,560	3,960	4,816	5,740	7,423	9,203

Invesco V.I. Diversified Dividend Fund, Series I Shares (4/29/2011)
Accumulation unit value at beginning of period	$1.74	$1.90	$1.77	$1.56	$1.55	$1.39	$1.07	$0.92	$1.00	—
Accumulation unit value at end of period	$2.15	$1.74	$1.90	$1.77	$1.56	$1.55	$1.39	$1.07	$0.92	—
Number of accumulation units outstanding at end of period (000 omitted)	538	589	914	995	768	900	810	429	539	—

Invesco V.I. Health Care Fund, Series II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.08	$2.09	$1.83	$2.10	$2.06	$1.75	$1.26	$1.06	$1.03	$1.00
Accumulation unit value at end of period	$2.71	$2.08	$2.09	$1.83	$2.10	$2.06	$1.75	$1.26	$1.06	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	253	267	301	354	521	411	367	341	383	387

Invesco V.I. International Growth Fund, Series II Shares (11/1/2005)
Accumulation unit value at beginning of period	$1.58	$1.89	$1.56	$1.59	$1.65	$1.67	$1.42	$1.25	$1.36	$1.22
Accumulation unit value at end of period	$2.00	$1.58	$1.89	$1.56	$1.59	$1.65	$1.67	$1.42	$1.25	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	544	665	733	949	1,076	1,050	959	1,079	1,233	1,536

Invesco V.I. Mid Cap Growth Fund, Series II Shares* (4/27/2012)
Accumulation unit value at beginning of period	$1.56	$1.68	$1.39	$1.40	$1.40	$1.32	$0.97	$1.00	—	—
Accumulation unit value at end of period	$2.06	$1.56	$1.68	$1.39	$1.40	$1.40	$1.32	$0.97	—	—
Number of accumulation units outstanding at end of period (000 omitted)	234	273	315	316	478	556	596	682	—	—
*Invesco V.I. Mid Cap Growth Fund, Series II Shares is scheduled to merge into Invesco Oppenheimer V.I. Discovery Mid Cap Growth Fund, Series II Shares sometime during the second quarter of 2020.

Invesco V.I. Technology Fund, Series I Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.90	$1.93	$1.44	$1.47	$1.39	$1.27	$1.03	$0.94	$1.00	$0.83
Accumulation unit value at end of period	$2.55	$1.90	$1.93	$1.44	$1.47	$1.39	$1.27	$1.03	$0.94	$1.00
Number of accumulation units outstanding at end of period (000 omitted)	453	494	463	432	506	505	586	728	1,003	1,578

Ivy VIP Asset Strategy, Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.07	$1.14	$0.98	$1.02	$1.12	$1.20	$1.00	—	—	—
Accumulation unit value at end of period	$1.29	$1.07	$1.14	$0.98	$1.02	$1.12	$1.20	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	843	865	917	1,230	2,299	3,297	1,387	—	—	—

Janus Henderson VIT Balanced Portfolio: Service Shares (4/27/2018)
Accumulation unit value at beginning of period	$0.99	$1.00	—	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.19	$0.99	—	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,835	3,224	—	—	—	—	—	—	—	—

Janus Henderson VIT Flexible Bond Portfolio: Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.01	$1.03	$1.01	$1.00	$1.02	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$1.09	$1.01	$1.03	$1.01	$1.00	$1.02	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,282	3,245	3,672	4,198	2,494	787	243	—	—	—

Janus Henderson VIT Research Portfolio: Service Shares (5/1/2007)
Accumulation unit value at beginning of period	$1.85	$1.93	$1.53	$1.54	$1.49	$1.33	$1.04	$0.89	$0.95	$0.84
Accumulation unit value at end of period	$2.47	$1.85	$1.93	$1.53	$1.54	$1.49	$1.33	$1.04	$0.89	$0.95
Number of accumulation units outstanding at end of period (000 omitted)	1,516	1,298	936	963	1,036	872	904	1,063	1,400	1,827

Lazard Retirement Global Dynamic Multi-Asset Portfolio – Service Shares (4/29/2013)
Accumulation unit value at beginning of period	$1.26	$1.36	$1.14	$1.12	$1.14	$1.12	$1.00	—	—	—
Accumulation unit value at end of period	$1.46	$1.26	$1.36	$1.14	$1.12	$1.14	$1.12	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,273	1,304	1,080	996	839	677	397	—	—	—

MFS^® Massachusetts Investors Growth Stock Portfolio – Service Class (3/27/2015)
Accumulation unit value at beginning of period	$1.28	$1.29	$1.02	$0.97	$1.00	—	—	—	—	—
Accumulation unit value at end of period	$1.77	$1.28	$1.29	$1.02	$0.97	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	927	1,016	1,136	1,326	1,466	—	—	—	—	—

122 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
MFS^® New Discovery Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$2.56	$2.64	$2.11	$1.97	$2.03	$2.23	$1.59	$1.34	$1.51	$1.12
Accumulation unit value at end of period	$3.58	$2.56	$2.64	$2.11	$1.97	$2.03	$2.23	$1.59	$1.34	$1.51
Number of accumulation units outstanding at end of period (000 omitted)	319	330	383	466	530	703	924	1,014	1,248	1,318

MFS^® Utilities Series – Service Class (2/13/2002)
Accumulation unit value at beginning of period	$4.02	$4.04	$3.57	$3.25	$3.86	$3.47	$2.92	$2.61	$2.48	$2.21
Accumulation unit value at end of period	$4.96	$4.02	$4.04	$3.57	$3.25	$3.86	$3.47	$2.92	$2.61	$2.48
Number of accumulation units outstanding at end of period (000 omitted)	1,860	1,841	2,062	2,066	2,380	2,670	2,644	2,679	2,928	2,748

Morgan Stanley VIF Discovery Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$2.14	$1.96	$1.43	$1.59	$1.71	$1.70	$1.25	$1.17	$1.28	$0.98
Accumulation unit value at end of period	$2.97	$2.14	$1.96	$1.43	$1.59	$1.71	$1.70	$1.25	$1.17	$1.28
Number of accumulation units outstanding at end of period (000 omitted)	1,527	1,151	745	647	865	1,012	933	1,242	1,686	1,284

Morgan Stanley VIF Global Real Estate Portfolio, Class II Shares (5/1/2006)
Accumulation unit value at beginning of period	$1.30	$1.44	$1.32	$1.30	$1.33	$1.19	$1.17	$0.91	$1.03	$0.85
Accumulation unit value at end of period	$1.52	$1.30	$1.44	$1.32	$1.30	$1.33	$1.19	$1.17	$0.91	$1.03
Number of accumulation units outstanding at end of period (000 omitted)	471	557	671	847	1,071	1,292	1,547	1,651	1,854	2,304

Neuberger Berman AMT International Equity Portfolio (Class S) (5/1/2006)
Accumulation unit value at beginning of period	$1.02	$1.24	$0.99	$1.02	$1.02	$1.06	$0.91	$0.78	$0.90	$0.75
Accumulation unit value at end of period	$1.28	$1.02	$1.24	$0.99	$1.02	$1.02	$1.06	$0.91	$0.78	$0.90
Number of accumulation units outstanding at end of period (000 omitted)	111	113	157	182	206	208	237	220	287	320

Neuberger Berman AMT U.S. Equity Index PutWrite Strategy Portfolio (Class S) (6/30/2014)
Accumulation unit value at beginning of period	$0.88	$0.96	$0.91	$0.92	$0.98	$1.00	—	—	—	—
Accumulation unit value at end of period	$1.00	$0.88	$0.96	$0.91	$0.92	$0.98	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	441	411	415	289	373	21	—	—	—	—

PIMCO VIT All Asset Portfolio, Advisor Class (5/1/2006)
Accumulation unit value at beginning of period	$1.45	$1.56	$1.39	$1.24	$1.39	$1.40	$1.41	$1.25	$1.24	$1.11
Accumulation unit value at end of period	$1.60	$1.45	$1.56	$1.39	$1.24	$1.39	$1.40	$1.41	$1.25	$1.24
Number of accumulation units outstanding at end of period (000 omitted)	2,080	2,306	2,689	3,195	3,992	5,897	7,334	9,642	8,325	7,492

PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class (4/30/2012)
Accumulation unit value at beginning of period	$1.03	$1.10	$0.98	$0.95	$0.97	$0.94	$1.03	$1.00	—	—
Accumulation unit value at end of period	$1.19	$1.03	$1.10	$0.98	$0.95	$0.97	$0.94	$1.03	—	—
Number of accumulation units outstanding at end of period (000 omitted)	335	324	269	262	370	339	332	233	—	—

PIMCO VIT Total Return Portfolio, Advisor Class (4/29/2013)
Accumulation unit value at beginning of period	$1.01	$1.03	$0.99	$0.98	$0.99	$0.96	$1.00	—	—	—
Accumulation unit value at end of period	$1.08	$1.01	$1.03	$0.99	$0.98	$0.99	$0.96	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,114	2,254	1,961	1,423	928	580	264	—	—	—

Putnam VT Global Health Care Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$2.49	$2.54	$2.23	$2.54	$2.39	$1.89	$1.35	$1.12	$1.15	$1.13
Accumulation unit value at end of period	$3.21	$2.49	$2.54	$2.23	$2.54	$2.39	$1.89	$1.35	$1.12	$1.15
Number of accumulation units outstanding at end of period (000 omitted)	326	358	451	532	506	379	412	433	508	683

Putnam VT International Equity Fund – Class IB Shares (2/13/2002)
Accumulation unit value at beginning of period	$1.53	$1.91	$1.53	$1.58	$1.60	$1.74	$1.37	$1.14	$1.39	$1.28
Accumulation unit value at end of period	$1.89	$1.53	$1.91	$1.53	$1.58	$1.60	$1.74	$1.37	$1.14	$1.39
Number of accumulation units outstanding at end of period (000 omitted)	175	193	257	286	335	320	366	444	703	801

Putnam VT Sustainable Leaders Fund – Class IB Shares (9/24/2010)
Accumulation unit value at beginning of period	$2.41	$2.48	$1.94	$1.82	$1.85	$1.65	$1.22	$1.06	$1.13	$1.00
Accumulation unit value at end of period	$3.24	$2.41	$2.48	$1.94	$1.82	$1.85	$1.65	$1.22	$1.06	$1.13
Number of accumulation units outstanding at end of period (000 omitted)	183	165	219	200	208	225	107	106	136	189

Templeton Global Bond VIP Fund – Class 2 (4/29/2013)
Accumulation unit value at beginning of period	$0.96	$0.95	$0.95	$0.93	$0.98	$0.98	$1.00	—	—	—
Accumulation unit value at end of period	$0.97	$0.96	$0.95	$0.95	$0.93	$0.98	$0.98	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,151	2,281	2,297	2,140	2,335	1,820	681	—	—	—

VanEck VIP Global Gold Fund (Class S Shares) (4/29/2013)
Accumulation unit value at beginning of period	$0.71	$0.86	$0.78	$0.53	$0.71	$0.77	$1.00	—	—	—
Accumulation unit value at end of period	$0.98	$0.71	$0.86	$0.78	$0.53	$0.71	$0.77	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	1,463	1,449	923	695	526	375	184	—	—	—

Variable Portfolio – Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.20	$1.07	$1.12	$1.00
Accumulation unit value at end of period	$1.96	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.20	$1.07	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	59,259	67,068	78,567	87,255	100,483	105,357	112,247	95,228	88,245	18,111

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 123

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.21	$1.07	$1.12	$1.00
Accumulation unit value at end of period	$1.96	$1.63	$1.81	$1.54	$1.47	$1.50	$1.44	$1.21	$1.07	$1.12
Number of accumulation units outstanding at end of period (000 omitted)	1,298	1,590	2,691	2,829	3,506	3,789	5,048	5,386	7,382	11,130

Variable Portfolio – Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04	$1.00
Accumulation unit value at end of period	$1.33	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	39,818	40,482	48,720	59,311	58,818	70,948	106,272	160,513	106,320	31,375

Variable Portfolio – Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04	$1.00
Accumulation unit value at end of period	$1.33	$1.22	$1.27	$1.19	$1.17	$1.18	$1.15	$1.13	$1.06	$1.04
Number of accumulation units outstanding at end of period (000 omitted)	3,163	3,758	4,225	4,776	6,583	8,205	11,689	18,739	19,708	20,762

Variable Portfolio – Managed Risk Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.97	$1.03	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.11	$0.97	$1.03	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	5,536	2,942	111	—	—	—	—	—	—	—

Variable Portfolio – Managed Risk U.S. Fund (Class 2) (9/18/2017)
Accumulation unit value at beginning of period	$0.99	$1.04	$1.00	—	—	—	—	—	—	—
Accumulation unit value at end of period	$1.16	$0.99	$1.04	—	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	3,162	985	285	—	—	—	—	—	—	—

Variable Portfolio – Managed Volatility Conservative Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.10	$1.03	$1.02	$1.04	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.17	$1.06	$1.10	$1.03	$1.02	$1.04	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	12,880	11,719	10,687	14,633	9,712	9,371	3,637	—	—	—

Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.11	$1.17	$1.07	$1.04	$1.08	$1.04	$1.00	—	—	—
Accumulation unit value at end of period	$1.25	$1.11	$1.17	$1.07	$1.04	$1.08	$1.04	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	38,633	37,933	40,095	47,465	39,217	33,530	9,694	—	—	—

Variable Portfolio – Managed Volatility Growth Fund (Class 2) (4/29/2013)
Accumulation unit value at beginning of period	$1.19	$1.31	$1.13	$1.10	$1.15	$1.11	$1.00	—	—	—
Accumulation unit value at end of period	$1.39	$1.19	$1.31	$1.13	$1.10	$1.15	$1.11	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	214,205	221,885	231,063	234,714	242,820	202,464	52,708	—	—	—

Variable Portfolio – Managed Volatility Moderate Growth Fund (Class 2) (4/30/2012)
Accumulation unit value at beginning of period	$1.23	$1.33	$1.17	$1.15	$1.19	$1.15	$1.02	$1.00	—	—
Accumulation unit value at end of period	$1.41	$1.23	$1.33	$1.17	$1.15	$1.19	$1.15	$1.02	—	—
Number of accumulation units outstanding at end of period (000 omitted)	270,038	290,652	306,488	322,387	324,682	292,621	141,007	36,030	—	—

Variable Portfolio – Moderate Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.43	$1.54	$1.37	$1.33	$1.35	$1.30	$1.18	$1.08	$1.09	$1.00
Accumulation unit value at end of period	$1.65	$1.43	$1.54	$1.37	$1.33	$1.35	$1.30	$1.18	$1.08	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	639,487	687,203	732,837	776,338	817,719	863,442	970,843	983,581	803,653	267,638

Variable Portfolio – Moderate Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.44	$1.54	$1.38	$1.33	$1.36	$1.31	$1.19	$1.08	$1.09	$1.00
Accumulation unit value at end of period	$1.65	$1.44	$1.54	$1.38	$1.33	$1.36	$1.31	$1.19	$1.08	$1.09
Number of accumulation units outstanding at end of period (000 omitted)	26,188	30,699	35,938	42,319	48,141	55,451	63,550	66,495	76,905	95,000

Variable Portfolio – Moderately Aggressive Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.54	$1.67	$1.46	$1.40	$1.43	$1.37	$1.20	$1.08	$1.11	$1.00
Accumulation unit value at end of period	$1.80	$1.54	$1.67	$1.46	$1.40	$1.43	$1.37	$1.20	$1.08	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	198,212	238,218	284,009	321,871	363,007	395,159	448,743	416,636	380,432	98,233

Variable Portfolio – Moderately Aggressive Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.54	$1.67	$1.46	$1.40	$1.43	$1.38	$1.20	$1.08	$1.11	$1.00
Accumulation unit value at end of period	$1.80	$1.54	$1.67	$1.46	$1.40	$1.43	$1.38	$1.20	$1.08	$1.11
Number of accumulation units outstanding at end of period (000 omitted)	5,781	7,045	8,352	8,425	11,325	12,393	17,092	20,325	28,510	43,525

Variable Portfolio – Moderately Conservative Portfolio (Class 2) (5/7/2010)
Accumulation unit value at beginning of period	$1.32	$1.39	$1.28	$1.25	$1.27	$1.22	$1.15	$1.07	$1.07	$1.00
Accumulation unit value at end of period	$1.48	$1.32	$1.39	$1.28	$1.25	$1.27	$1.22	$1.15	$1.07	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	104,479	109,727	126,804	147,800	157,110	182,170	236,976	315,033	235,332	82,795

Variable Portfolio – Moderately Conservative Portfolio (Class 4) (5/7/2010)
Accumulation unit value at beginning of period	$1.32	$1.39	$1.28	$1.25	$1.27	$1.23	$1.16	$1.08	$1.07	$1.00
Accumulation unit value at end of period	$1.48	$1.32	$1.39	$1.28	$1.25	$1.27	$1.23	$1.16	$1.08	$1.07
Number of accumulation units outstanding at end of period (000 omitted)	8,117	9,224	11,178	14,197	16,266	19,251	23,130	30,768	33,844	38,588

124 RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus

Variable account charges of 1.20% of the daily net assets of the variable account. (continued)

Year ended December 31,	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Variable Portfolio – Partners Core Equity Fund (Class 3) (5/1/2006)
Accumulation unit value at beginning of period	$1.63	$1.80	$1.51	$1.40	$1.41	$1.27	$1.00	$0.92	$0.96	$0.87
Accumulation unit value at end of period	$2.04	$1.63	$1.80	$1.51	$1.40	$1.41	$1.27	$1.00	$0.92	$0.96
Number of accumulation units outstanding at end of period (000 omitted)	278	311	354	386	452	510	560	547	742	1,020

Variable Portfolio – Partners Small Cap Value Fund (Class 3) (2/13/2002)
Accumulation unit value at beginning of period	$2.66	$3.11	$2.94	$2.37	$2.65	$2.63	$1.97	$1.76	$1.86	$1.52
Accumulation unit value at end of period	$3.14	$2.66	$3.11	$2.94	$2.37	$2.65	$2.63	$1.97	$1.76	$1.86
Number of accumulation units outstanding at end of period (000 omitted)	625	671	745	878	1,013	1,110	1,346	1,725	2,181	2,661

Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.07	$1.11	$1.01	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.21	$1.07	$1.11	$1.01	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	8,661	2,924	1,781	227	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.15	$1.21	$1.03	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.36	$1.15	$1.21	$1.03	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	41,911	28,905	19,202	4,033	—	—	—	—	—	—

Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2) (11/14/2016)
Accumulation unit value at beginning of period	$1.11	$1.16	$1.02	$1.00	—	—	—	—	—	—
Accumulation unit value at end of period	$1.29	$1.11	$1.16	$1.02	—	—	—	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	35,067	24,516	13,799	3,724	—	—	—	—	—	—

Wanger International (2/13/2002)
Accumulation unit value at beginning of period	$3.60	$4.43	$3.37	$3.46	$3.50	$3.70	$3.06	$2.55	$3.02	$2.45
Accumulation unit value at end of period	$4.62	$3.60	$4.43	$3.37	$3.46	$3.50	$3.70	$3.06	$2.55	$3.02
Number of accumulation units outstanding at end of period (000 omitted)	998	1,159	1,316	1,545	1,784	2,115	2,380	2,671	3,403	4,188

Wanger USA (2/13/2002)
Accumulation unit value at beginning of period	$3.43	$3.53	$2.98	$2.66	$2.70	$2.61	$1.98	$1.67	$1.75	$1.43
Accumulation unit value at end of period	$4.45	$3.43	$3.53	$2.98	$2.66	$2.70	$2.61	$1.98	$1.67	$1.75
Number of accumulation units outstanding at end of period (000 omitted)	1,487	1,709	1,967	2,385	2,789	3,101	3,704	4,290	5,535	7,116

Wells Fargo VT International Equity Fund – Class 2 (2/4/2004)
Accumulation unit value at beginning of period	$1.50	$1.83	$1.49	$1.46	$1.45	$1.55	$1.31	$1.17	$1.36	$1.18
Accumulation unit value at end of period	$1.71	$1.50	$1.83	$1.49	$1.46	$1.45	$1.55	$1.31	$1.17	$1.36
Number of accumulation units outstanding at end of period (000 omitted)	593	597	797	819	970	969	1,078	1,221	1,411	1,780

Wells Fargo VT Opportunity Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$2.69	$2.94	$2.47	$2.23	$2.32	$2.13	$1.65	$1.45	$1.55	$1.27
Accumulation unit value at end of period	$3.50	$2.69	$2.94	$2.47	$2.23	$2.32	$2.13	$1.65	$1.45	$1.55
Number of accumulation units outstanding at end of period (000 omitted)	888	1,019	1,139	1,077	1,223	954	1,074	1,295	1,577	941

Wells Fargo VT Small Cap Growth Fund – Class 2 (2/13/2002)
Accumulation unit value at beginning of period	$3.03	$3.02	$2.43	$2.28	$2.38	$2.46	$1.65	$1.55	$1.65	$1.31
Accumulation unit value at end of period	$3.73	$3.03	$3.02	$2.43	$2.28	$2.38	$2.46	$1.65	$1.55	$1.65
Number of accumulation units outstanding at end of period (000 omitted)	1,586	1,463	1,152	1,098	1,391	951	1,040	1,006	1,106	1,331

Western Asset Variable Global High Yield Bond Portfolio – Class II (4/29/2013)
Accumulation unit value at beginning of period	$1.06	$1.12	$1.04	$0.91	$0.99	$1.01	$1.00	—	—	—
Accumulation unit value at end of period	$1.19	$1.06	$1.12	$1.04	$0.91	$0.99	$1.01	—	—	—
Number of accumulation units outstanding at end of period (000 omitted)	751	537	493	345	383	293	47	—	—	—

RiverSource Retirement Advisor Advantage Plus/Retirement Advisor Select Plus Variable Annuity — Prospectus 125

Prospectus

May 1, 2020

RiverSource^®

Retirement Advisor 4 Advantage^® Variable Annuity

Retirement Advisor 4 Select^® Variable Annuity

Retirement Advisor 4 Access^® Variable Annuity

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITIES

Issued by:	RiverSource Life Insurance Company (RiverSource Life)
	70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) ameriprise.com/variableannuities RiverSource Variable Account 10/RiverSource Account MGA

This prospectus contains information that you should know before investing in the RiverSource Retirement Advisor 4 Advantage Variable Annuity (RAVA 4 Advantage), the RiverSource Retirement Advisor 4 Select Variable Annuity (RAVA 4 Select), or the RiverSource Retirement Advisor 4 Access Variable Annuity (RAVA 4 Access). The information in this prospectus applies to all contracts unless stated otherwise.

New contracts are not currently being offered.

Prospectuses are also available for:

AB Variable Products Series Fund, Inc.

ALPS Variable Investment Trust

American Century Variable Portfolios, Inc

BlackRock Variable Series Funds, Inc.

Columbia Funds Variable Insurance Trust

Columbia Funds Variable Series Trust II

Credit Suisse Trust

Deutsche DWS Variable Series II

Dreyfus Variable Investment Fund

Eaton Vance Variable Trust

Fidelity^® Variable Insurance Products — Service Class 2

Franklin^® Templeton^® Variable Insurance Products
Trust – Class 2

Goldman Sachs Variable Insurance Trust (VIT)

Invesco Variable Insurance Funds

Ivy Variable Insurance Portfolios

Janus Aspen Series: Service Shares

Lazard Retirement Series, Inc.

Legg Mason Partners Variable Equity Trust

MFS^® Variable Insurance Trust^SM

Morgan Stanley Variable Insurance Fund, Inc. (VIF)

Neuberger Berman Advisers Management Trust

Oppenheimer Variable Account Funds Service Shares

PIMCO Variable Insurance Trust (VIT)

Wanger Advisors Trust

VanEck VIP Trust

Wells Fargo Variable Trust

Please read the prospectuses carefully and keep them for future reference.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 1

Effects of COVID-19 Pandemic

2 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Key Terms

These terms can help you understand details about your contract.

Accumulation unit: A measure of the value of each subaccount before annuity payouts begin.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

Band 3 annuities: RAVA 4 Advantage and RAVA 4 Select contracts that are available for:

•	current or retired employees of Ameriprise Financial, Inc. or its subsidiaries and their spouses or domestic partners (employees),
•	current or retired Ameriprise financial advisors and their spouses or domestic partners (advisors), or
•	individuals investing an initial purchase payment of $1 million or more, with our approval (other individuals).

Beneficiary: The person you designate to receive benefits in case of your death while the contract is in force.

Close of business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).

Code: The Internal Revenue Code of 1986, as amended.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed Account: Part of our general account which includes the regular fixed account and the Special DCA fixed account. Amounts you allocate to this account earn interest at rates that we declare periodically.

Good order: We cannot process your transaction request relating to the contract until we have received the request in good order at our Service Center. “Good

order” means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in “good order”, your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the contract number; the transaction amount (in dollars); the names of and allocations to and/or from the subaccounts and the fixed account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all contract owners for the request to be in good order. With respect to purchase requests, “good order” also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in good order, and we reserve the right to change or waive any good order requirements at any time.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments and purchase payment credits or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments and purchase payment credits or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a market value adjustment, which may result in a gain or loss of principal.

Owner (you, your): A person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. If the contract has a nonnatural person as the owner or joint owner, “you, your, and owner” means the annuitant where contract provisions are based on the age or life of the owner. The owner or any joint owner may be a nonnatural person (e.g. irrevocable trust or corporation) or a revocable trust. If any owner is a nonnatural person or a revocable trust, the annuitant will be deemed to be the owner for contract provisions that are based on the age or life of the owner. When the

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 5

contract is owned by a revocable trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code.

Purchase payment credits: An addition we make to your contract value. We base the amount of the credit on the surrender charge schedule you elect and/or total purchase payments. Purchase payment credits are not available under RAVA 4 Access contracts.

Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:

•	Individual Retirement Annuities (IRAs) including inherited IRAs under Section 408(b) of the Code
•	Roth IRAs including inherited Roth IRAs under Section 408A of the Code
•	SIMPLE IRAs under Section 408(p) of the Code
•	Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code
•	Custodial and investment only accounts maintained for qualified retirement plans under Section 401(a) of the Code
•	Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code

A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax-deferred.

All other contracts are considered nonqualified annuities.

Rider: You receive a rider to your contract when you purchase optional benefits. The rider adds the terms of the optional benefit to your contract.

Rider effective date: The date a rider becomes effective as stated in the rider.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

delayed or not processed. Our Service Center address and telephone number are listed on the first page of the prospectus.

Settlement date: The date when annuity payouts are scheduled to begin.

Special Dollar-Cost Averaging (Special DCA) Fixed Account: An account to which you may allocate new purchase payments of at least $10,000. Amounts you allocate to this account earn interest at rates that we declare periodically and will transfer into your specified subaccount allocations in six monthly transfers.

Surrender value: The amount you are entitled to receive if you make a full surrender from your contract. It is the contract value minus any applicable charges.

Variable account: Separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund. The value of your investment in each subaccount changes with the performance of the particular fund.

6 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

The Contracts in Brief

This prospectus describes three contracts. Each contract has different expenses. RAVA 4 Access does not have surrender charges, but it has the highest mortality and expense risk fees of the three contracts. RAVA 4 Select has a three-year surrender charge schedule and has lower mortality and expense risk fees than RAVA 4 Access. RAVA 4 Advantage offers a choice of a seven-year or a ten-year surrender charge schedule, and has the lowest mortality and expense risk fees of the three contracts. RAVA 4 Advantage and RAVA 4 Select include the option to purchase living benefit riders; living benefit riders are not currently available under RAVA 4 Access. Your financial advisor can help you determine which contract is best suited to your needs based on factors such as your investment goals and how long you intend to keep your contract. The information in this prospectus applies to all contracts unless stated otherwise.

Purpose: The purpose of each contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments. You may allocate your purchase payments to the GPAs, regular fixed account, subaccounts and/or Special DCA fixed account under the contract; however, you risk losing amounts you invest in the subaccounts of the variable account. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract will no longer be in force and the contract (including any death benefit riders) will terminate. Beginning at a specified time in the future called the settlement date, the contract provides lifetime or other forms of payouts of your contract value (less any applicable premium tax).

or additional tax deferral beyond what is provided in that retirement plan. Some employers may permit you to deposit your contributions into other investments such as mutual funds. If such investments are available to you, before enrolling under the contract, you should consider features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at age 72 (triggered at age 70 ½ if you turned 70 ½ before Jan. 1, 2020). These mandatory withdrawals are called required minimum distributions (“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.

Free look period: The contracts in this prospectus are no longer sold. Generally, all available free look periods have now expired.

Accounts: Generally, you may allocate your purchase payments among any or all of:

•	the subaccounts of the variable account, each of which invests in a fund with a particular investment objective. The value of each subaccount varies with the performance of the particular fund in which it invests. We cannot guarantee that the value at the settlement date will equal or exceed the total purchase payments you allocate to the subaccounts. (see “The Variable Account and the Funds”)
•	GPAs which earn interest at rates declared when you make an allocation to that account. The required minimum investment in each GPA is $1,000. These accounts may not be available in all states. (see “Guarantee Period Accounts (GPAs)”)
•	the regular fixed account, which earns interest at rates that we adjust periodically. Purchase payment allocations to the regular fixed account may be subject to special restrictions. Effective May 10, 2010, for RAVA 4 Access contracts you cannot select the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) (see “The Fixed Account”)
•	the Special DCA account, when available. (see “The Fixed Account — The Special DCA Fixed Account”)

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 7

before the end of the guarantee period will be subject to an MVA, unless an exception applies. You may establish automated transfers among the accounts. You may not transfer existing amounts to the Special DCA fixed account. GPAs and regular fixed account transfers are subject to special restrictions. (see “Making the Most of Your Contract — Transferring Among Accounts”)

Surrenders: You may surrender all or part of your contract value at any time before the settlement date. You also may establish automated partial surrenders. Surrenders may be subject to charges and income taxes (including an Internal Revenue Service (“IRS”) penalty that may apply if you surrender prior to your reaching age 59½) and may have other tax consequences; also, certain restrictions apply. If you have elected the SecureSource Flex rider, please consider carefully when you take withdrawals. If you take withdrawals during the 3-year waiting period, your benefits will be set to zero until the end of the waiting period when they will be re-established based on your contract value at that time. (see “Surrenders”)

Optional benefits: These contracts offer optional features that are available for additional charges if you meet certain criteria. Optional living benefits require investment in approved investment options, which may limit transfers and allocations; may limit the timing,

amount and allocation of purchase payments; and may limit the amount of partial surrenders that can be taken under the optional benefit during a contract year. (see “Optional Benefits”)

8 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Expense Summary

Contract Owner Transaction Expenses

Surrender charge for RAVA 4 Advantage:

(Contingent deferred sales load as a percentage of purchase payment surrendered)

You select either a seven-year or ten-year surrender charge schedule at the time of application.*

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7+	0	7	4
		8	3
		9	2
		10+	0

* In Alaska, Arizona, Colorado (effective 8-17-07), Connecticut, Georgia (effective 11-10-06), Hawaii, Illinois, Iowa, Michigan (effective 8-17-07), Minnesota, Mississippi, Montana, New Jersey (effective 8-17-07), North Carolina, Oregon, Texas (effective 6-1-10), Utah and Washington the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. In Colorado, Georgia, Michigan, New Jersey and Texas contracts issued before the effective dates listed above follow the ten-year surrender charge schedule in the table above. For contracts issued in Alabama and Massachusetts, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made. Please see your contract for the surrender charge schedule applicable to you.

** According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge for RAVA 4 Select (except Texas):

(Contingent deferred sales load as a percentage of purchase payment surrendered)

Years from contract date***	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge for RAVA 4 Select in Texas:

(Contingent deferred sales load as a percentage of purchase payment surrendered)

Number of completed years from date of each purchase payment***	Surrender charge percentage
0	8%
1	7
2	6
Thereafter	0

There are no surrender charges after the third contract anniversary.

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 9

Surrender charge for RAVA 4 Access: None

Liquidation charge under Variable Annuity Payout Plan E — Payouts for a specified period: If you are receiving variable annuity payments under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% for the assumed investment return of 5%. The liquidation charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate. (See “Charges — Surrender Charge” and “The Annuity Payout Period — Annuity Payout Plans.”)

Surrender charge for fixed annuity payouts, if available:

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*We do not permit surrenders in the first year after annuitization.

The next tables describe the fees and expenses that you will pay periodically during the time that you own the contract, not including fund fees and expenses.

Annual Contract Administrative Charge

Maximum: $50*

Current: $30

(We will waive this $30 charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary, except at full surrender.)

*	In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

Annual Variable Account Expenses

(Total annual variable account expenses as a percentage of average daily subaccount value.)

Mortality and expense risk fee:	RAVA 4 Advantage	RAVA 4 Select	RAVA 4 Access
For nonqualified annuities	1.05%	1.30%	1.45%
For qualified annuities	0.85%	1.10%	1.25%

Optional Rider Fees

Optional Death Benefits

(As a percentage of contract value charged annually at the contract anniversary. The fee applies only if you elect the optional rider.)

ROPP rider fee	Maximum: 0.30%	Current: 0.20%
MAV rider fee	Maximum: 0.35%	Current: 0.25%
5-Year MAV rider fee	Maximum: 0.20%	Current: 0.10%
EEB rider fee	Maximum: 0.40%	Current: 0.30%
EEP rider fee	Maximum: 0.50%	Current: 0.40%

Optional Living Benefits

Accumulation Benefit rider fee

Contract purchase date	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/2012
Prior to 1/26/2009	2.50%	0.60%
01/26/2009 – 05/31/2009	2.50%	0.80%
11/09/2009 – 10/03/2010	2.50%	1.25%

10 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Contract purchase date	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/2012
10/04/2010 and later	2.50%	1.50%

Current annual rider fees for elective step-up (including elective spousal continuation step-up) requests on/after 10/20/2012 are shown in the table below.

Elective step up date:	If invested in Portfolio Navigator fund at the time of step-up:	If invested in Portfolio Stabilizer fund at the time of step-up:
10/20/2012 – 11/17/2013	1.75%	n/a
11/18/2013 – 10/17/2014	1.75%	1.30%
10/18/2014 – 06/30/2016	1.60%	1.00%
07/01/2016 – 10/15/2018	1.75%	1.30%
10/16/2018 – 12/29/2019	1.40%	1.00%
12/30/2019 – 07/20/2020	1.55%	1.15%
07/21/2020 and later	2.50%	2.25%

(Charged annually as a percentage of contract value or the Minimum Contract Accumulation Value, whichever is greater. The fee applies only if you elect the optional rider.)

SecureSource Flex – Single life rider fee	Maximum: 2.00%	Current: 0.95%
SecureSource Flex – Joint life rider fee	Maximum: 2.50%	Current: 1.10%

(Charged annually at the contract anniversary as a percentage of contract value or the total Remaining Benefit Amount, whichever is greater. The fee applies only if you elect the optional rider.)

GWB for Life rider fee

Maximum: 1.50%

Initial: 0.65%⁽¹⁾

(Charged annually at the contract anniversary as a percentage of contract value or the total Remaining Benefit Amount, whichever is greater. The fee applies only if you elect the optional rider.)

⁽¹⁾

Effective Dec. 18, 2013 if you request an elective step up or the elective spousal continuation step up, or move to a Portfolio Navigator fund that is more aggressive than your current Portfolio Navigator fund allocation, the fee that will apply to your rider will correspond to the fund in which you are invested following the change as shown in the table below.

Fund name	Maximum annual rider fee	Current rider fee as of 12/18/13
Portfolio Stabilizer funds	1.50%	0.65%
Portfolio Navigator funds:
Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	1.50%	0.65%
Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	1.50%	0.65%
Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	1.50%	0.65%
Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	1.50%	0.95%
Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)	1.50%	1.10%

SecureSource^® rider fees

Contract purchase date	Maximum annual rider fee	Initial annual rider fee⁽²⁾
prior to 1/26/2009, Single Life	1.50%	0.65%
prior to 1/26/2009, Joint Life	1.75%	0.85%
1/26/2009 and later, Single Life	2.00%	0.90%
1/26/2009 and later, Joint Life	2.50%	1.15%

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 11

(Charged annually on the contract anniversary as a percentage of the contract value or the total Remaining Benefit Amount, whichever is greater.)

⁽²⁾

		Portfolio Navigator funds
Contract purchase date	All Portfolio Stabilizer funds	Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)
prior to 1/26/2009, Single Life	0.65%	0.65%	0.65%	0.65%	0.90%	1.00%
prior to 1/26/2009, Joint Life	0.85%	0.85%	0.85%	0.85%	1.10%	1.20%
1/26/2009 and later, Single Life	0.90%	0.90%	0.90%	0.90%	1.00%	1.10%
1/26/2009 and later, Joint Life	1.15%	1.15%	1.15%	1.15%	1.25%	1.35%

Annual Operating Expenses of the Funds

Minimum and maximum total annual operating expenses for the funds⁽¹⁾

(Including management, distribution (12b-1) and/or service fees and other expenses)

	Minimum(%)	Maximum(%)
Total expenses before fee waivers and/or expense reimbursements	0.39	2.78

⁽¹⁾

Examples

These examples are intended to help you compare the cost of investing in these contracts with the cost of investing in other variable annuity contracts. These costs include your transaction expenses, contract administrative charges, variable account annual expenses and fund fees and expenses.

These examples assume that you invest $10,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year.

Maximum Expenses (for contracts with living benefit riders). These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of the funds available with living benefit riders, before fee waivers and/or expense reimbursements. They assume that you select the optional MAV, EEP (if available), Accumulation Benefit or SecureSource Flex – Joint Life, if available^(1),(2). Living benefit riders are not

12 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

available under RAVA 4 Access contracts. Although your actual costs may be higher, based on these assumptions your costs would be:

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule	$1,346	$2,483	$3,605	$6,020	$618	$1,845	$3,057	$6,020
RAVA 4 Advantage
With a seven-year surrender charge schedule	1,243	2,369	3,391	5,964	613	1,828	3,029	5,964
RAVA 4 Select	1,268	1,899	3,141	6,161	638	1,899	3,141	6,161
RAVA 4 Select – Texas	1,268	1,899	3,141	6,161	638	1,899	3,141	6,161
RAVA 4 Access	NA	NA	NA	NA	NA	NA	NA	NA

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule	$1,326	$2,425	$3,512	$5,857	$598	$1,787	$2,965	$5,857
RAVA 4 Advantage
With a seven-year surrender charge schedule	1,223	2,312	3,299	5,803	593	1,771	2,938	5,803
RAVA 4 Select	1,248	1,842	3,051	6,004	618	1,842	3,051	6,004
RAVA 4 Select – Texas	1,248	1,842	3,051	6,004	618	1,842	3,051	6,004
RAVA 4 Access	NA	NA	NA	NA	NA	NA	NA	NA

Maximum Expenses (for contracts without living benefit riders). These examples assume the most expensive combination of contract features and benefits and the maximum fees and expenses of any of the funds before fee waivers and/or expense reimbursements. They assume that you select the optional MAV and EEP, if available^(1),(2). Although your actual costs may be higher, based on these assumptions your costs would be:

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule	$1,260	$2,232	$3,199	$5,272	$533	$1,596	$2,653	$5,272
RAVA 4 Advantage
With a seven-year surrender charge schedule	1,158	2,122	2,989	5,223	528	1,581	2,629	5,223
RAVA 4 Select	1,184	1,654	2,742	5,417	554	1,654	2,742	5,417
RAVA 4 Select – Texas	1,184	1,654	2,742	5,417	554	1,654	2,742	5,417
RAVA 4 Access	569	1,697	2,810	5,531	569	1,697	2,810	5,531

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule	$1,240	$2,174	$3,106	$5,111	$513	$1,537	$2,560	$5,111
RAVA 4 Advantage
With a seven-year surrender charge schedule	1,138	2,063	2,897	5,065	508	1,523	2,537	5,065
RAVA 4 Select	1,164	1,596	2,652	5,262	534	1,596	2,652	5,262
RAVA 4 Select – Texas	1,164	1,596	2,652	5,262	534	1,596	2,652	5,262
RAVA 4 Access	549	1,639	2,720	5,379	549	1,639	2,720	5,379

Minimum Expenses. These examples assume the least expensive combination of contract features and benefits and the minimum fees and expenses of any of the funds before fee waivers and/or expense reimbursements⁽³⁾. They assume that you do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 13

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Nonqualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule⁽⁴⁾	$932	$1,254	$1,551	$2,029	$179	$552	$945	$2,029
RAVA 4 Advantage
With a seven-year surrender charge schedule	830	1,143	1,337	2,012	178	547	937	2,012
RAVA 4 Select	854	625	1,069	2,285	203	625	1,069	2,285
RAVA 4 Select – Texas	854	625	1,069	2,285	203	625	1,069	2,285
RAVA 4 Access	219	672	1,148	2,446	219	672	1,148	2,446

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
Qualified Annuity	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
RAVA 4 Advantage
With a ten-year surrender charge schedule⁽⁴⁾	$913	$1,195	$1,444	$1,803	$158	$488	$838	$1,803
RAVA 4 Advantage
With a seven-year surrender charge schedule	811	1,084	1,231	1,788	157	485	831	1,788
RAVA 4 Select	835	563	964	2,067	183	563	964	2,067
RAVA 4 Select – Texas	835	563	964	2,067	183	563	964	2,067
RAVA 4 Access	198	610	1,043	2,231	198	610	1,043	2,231

⁽¹⁾	In these examples, the contract administrative charge is $50.
⁽²⁾	Because these examples are intended to illustrate the most expensive combination of contract features, the maximum annual fee for each optional rider is reflected rather than the fee that is currently being charged.
⁽³⁾	In these examples, the contract administrative charge is $30.
⁽⁴⁾	In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington, your expenses would be slightly lower due to the modified ten-year surrender charge schedule.

14 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Condensed Financial Information

You can find unaudited condensed financial information for the subaccounts representing the lowest and highest total annual variable account expense combination in Appendix J.

Financial Statements

The Variable Account and the Funds

The Funds: The contracts currently offer subaccounts investing in shares of the funds. For a list of underlying funds with a summary of investment objectives, investment advisers and subadvisers, please see Appendix A.

Investment objectives: The investment managers and advisers cannot guarantee that the funds will meet their investment objectives.

•	Fund name and management: A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly-traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.
•	Eligible purchasers: All funds are available to serve as the underlying investments for variable annuities and variable life insurance policies. The funds are not available to the public (see “Fund name and management” above). Some funds also are available to serve as investment options for tax-deferred retirement plans. It is possible that in the future for tax, regulatory or other reasons, it may be disadvantageous for variable annuity accounts and variable life insurance accounts and/or tax-deferred retirement plans to invest in the available funds simultaneously. Although we and the funds’ providers do not currently foresee any such disadvantages, the boards of directors or trustees of each fund will monitor events in order to identify any material conflicts between annuity owners, policy owners and tax-deferred retirement plans and to determine what action, if any, should be taken in response to a conflict. If a board were to conclude that it should establish separate fund providers for the variable annuity, variable life insurance and tax-deferred retirement plan accounts, you would not bear any expenses associated with establishing separate funds. Please refer to the funds’ prospectuses for risk disclosure regarding simultaneous investments by variable annuity, variable life insurance and tax-deferred retirement plan accounts. Each fund intends to comply with the diversification requirements under Section 817(h) of the Code.
•	Asset allocation programs may impact fund performance: Asset allocation programs in general may negatively impact the performance of an underlying fund. Even if you do not participate in an asset allocation program, a fund in which your subaccount invests may be impacted if it is included in an asset allocation program. Rebalancing or reallocation under the terms of the asset allocation program may cause a fund to lose money if it must sell large

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 15

	amounts of securities to meet a redemption request. These losses can be greater if the fund holds securities that are not as liquid as others; for example, various types of bonds, shares of smaller companies and securities of foreign issuers. A fund may also experience higher expenses because it must sell or buy securities more frequently than it otherwise might in the absence of asset allocation program rebalancing or reallocations. Because asset allocation programs include periodic rebalancing and may also include reallocation, these effects may occur under the asset allocation program we offer (see “Making the Most of Your Contract — Portfolio Navigator Program and Portfolio Stabilizer Funds”) or under asset allocation programs used in conjunction with the contracts and plans of other eligible purchasers of the funds.
•	Funds available under the contract: We seek to provide a broad array of underlying funds taking into account the fees and charges imposed by each fund and the contract charges we impose. We select the underlying funds in which the subaccounts initially invest and when there is substitution (see “Substitution of Investments”). We also make all decisions regarding which funds to retain in a contract, which funds to add to a contract and which funds will no longer be offered in a contract. In making these decisions, we may consider various objective and subjective factors. Objective factors include, but are not limited to fund performance, fund expenses, classes of fund shares available, size of the fund and investment objectives and investing style of the fund. Subjective factors include, but are not limited to, investment sub-styles and process, management skill and history at other funds and portfolio concentration and sector weightings. We also consider the levels and types of revenue, including but not limited to expense payments and non-cash compensation a fund, its distributor, investment adviser, subadviser, transfer agent or their affiliates pay us and our affiliates. This revenue includes, but is not limited to compensation for administrative services provided with respect to the fund and support of marketing and distribution expenses incurred with respect to the fund.
•	Money Market fund yield: In low interest rate environments, money market fund yields may decrease to a level where the deduction of fees and charges associated with your contract could result in negative net performance, resulting in a corresponding decrease in your contract value.
•	Risks and Conflicts of Interest with Certain Funds Advised by Columbia Management. We are an affiliate of Ameriprise Financial, Inc., which is the parent company of Columbia Management Investment Advisers, LLC (Columbia Management). Columbia Management acts as investment adviser to several funds of funds, including Portfolio Navigator and Portfolio Stabilizer funds. As such, it retains full discretion over the investment activities and investment decisions of the funds. These funds invest in other registered mutual funds. In providing investment advisory services for the funds and the underlying funds in which those funds respectively invest, Columbia Management is, together with its affiliates, including us, subject to competing interests that may influence its decisions. These competing interests typically arise because Columbia Management Investment Advisers or one of its affiliates serves as the investment adviser to the underlying funds and may provide other services in connection with such underlying funds, and because the compensation we and our affiliates receive for providing these investment advisory and other services varies depending on the underlying fund.
•	Volatility and Volatility Management Risk with the Portfolio Stabilizer funds. Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These types of funds are available under the contracts and one or more of these funds may be offered in other variable annuity and variable life insurance products offered by us. These funds may also be used in conjunction with guaranteed living benefit and death benefit riders we offer with various annuity contracts, including the contracts.
	Conflicts may arise because the manner in which these funds and their strategies are executed by Columbia Management are expected to benefit us by reducing our financial risk and expense in offering guaranteed living benefit and death benefit riders. Managed volatility funds employ a strategy to reduce overall volatility and downside risk. A successful strategy may result in smaller losses to your contract value when markets are declining and market volatility is high. In turn, a successful strategy may also result in less gain in your contract value during rising markets with higher volatility when compared to funds not employing a managed volatility strategy. Accordingly, although an investment in the Portfolio Stabilizer funds may mitigate declines in your contract value due to declining equity markets, the Funds’ investment strategies may also curb or decrease your contract value during periods of positive performance by the equity markets. There is no guarantee any of the funds’ strategies will be successful. When offered with a guaranteed living benefit, managed volatility funds may decrease the number and amount of any periodic benefit base increase opportunities. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.
	While Columbia Management is the investment adviser to the Portfolio Navigator and Portfolio Stabilizer funds, it provides no investment advice to you as to whether an allocation to the funds is appropriate for you. You must decide whether an investment in these funds is right for you. Additional information on the funds, including risks and conflicts of interest, is included in their respective prospectuses. Columbia Management advised fund of funds and managed volatility funds and their investment objectives are in Appendix A.

16 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

•	Revenue we receive from the funds and potential conflicts of interest:

Expenses We May Incur on Behalf of the Funds

A complete list of why we may receive this revenue, as well as sources of revenue, is described in detail below.

Payments the Funds May Make to Us

Conflicts of Interest These Payments May Create

The Amount of Payments We Receive from the Funds

We or our affiliates receive revenue which ranges up to 0.65% of the average daily net assets invested in the funds through this and other contracts we and our affiliates issue.

•	Compensating, training and educating financial advisors who sell the contracts.
•	Granting access to our employees whose job it is to promote sales of the contracts by authorized selling firms and their financial advisors, and granting access to financial advisors of our affiliated selling firms.
•	Activities or services we or our affiliates provide that assist in the promotion and distribution of the contracts including promoting the funds available under the contracts to contract owners, authorized selling firms and financial advisors.
•	Providing sub-transfer agency and shareholder servicing to contract owners.
•	Promoting, including and/or retaining the fund’s investment portfolios as underlying investment options in the contracts.
•	Advertising, printing and mailing sales literature, and printing and distributing prospectuses and reports.
•	Furnishing personal services to contract owners, including education of contract owners regarding the funds, answering routine inquiries regarding a fund, maintaining accounts or providing such other services eligible for service fees as defined under the rules of the Financial Industry Regulatory Authority (FINRA).
•	Subaccounting services, transaction processing, recordkeeping and administration.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 17

•	Sources of revenue received from affiliated funds: The affiliated funds are managed by Columbia Management or Columbia Wanger. The sources of revenue we receive from these affiliated funds, or from the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We may receive this revenue either in the form of a cash payment or it may be allocated to us.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

•	Sources of revenue received from unaffiliated funds: The unaffiliated funds are not managed by an affiliate of ours. The sources of revenue we receive from these unaffiliated funds, or the funds’ affiliates, may include, but are not necessarily limited to, the following:

•	Assets of the fund’s adviser, sub-adviser, transfer agent, distributor or an affiliate of these. The revenue resulting from these sources may be based either on a percentage of average daily net assets of the fund or on the actual cost of certain services we provide with respect to the fund. We receive this revenue in the form of a cash payment.
•	Compensation paid out of 12b-1 fees that are deducted from fund assets.

The Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states. GPAs are not available if the GWB for Life, SecureSource, or Accumulation Benefit is selected.

Currently, unless you have elected one of the optional living benefit riders, you may allocate purchase payments and purchase payment credits to one or more of the GPAs with guarantee periods declared by us. The required minimum investment in each GPA is $1,000. These accounts are not offered after annuity payouts begin.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates).

These rates generally will be based on various factors related to future investment earnings. We cannot predict nor can we guarantee what future rates will be.

•	Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;
•	Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;

18 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

•	Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;
•	Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and
•	Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

Market Value Adjustment (MVA)

We will not apply an MVA to contract value you transfer or surrender out of the GPAs during the 30-day period ending on the last day of the guarantee period. During this 30 day window you may choose to start a new guarantee period of the same length, transfer the contract value from the specified GPA to a GPA of another length, transfer the contract value from the specified GPA to any of the subaccounts or the regular fixed account, or surrender the value from the specified GPA (all subject to applicable surrender and transfer provisions). If we do not receive any instructions by the end of your guarantee period, we will automatically transfer the contract value from the specified GPA into the shortest GPA term offered in your state.

The 30-day rule does not apply and no MVA will apply to:

•	amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Diagnosis; and
•	amounts deducted for fees and charges.

Amounts we pay as death claims will not be reduced by any MVA.

If your GPA rate is:	The MVA is:
Less than the new GPA rate + 0.10%	Negative
Equal to the new GPA rate + 0.10%	Zero
Greater than the new GPA rate + 0.10%	Positive

For an example, see Appendix B.

The General Account

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 19

The Fixed Account

Amounts allocated to the fixed account are part of our general account. The fixed account includes the regular fixed account and the Special DCA fixed account. We credit interest on amounts you allocate to the fixed account at rates we determine from time to time at our discretion. Interest rates credited in excess of the guaranteed rate generally will be based on various factors related to future investment earnings. The guaranteed minimum interest rate on amounts invested in the fixed account may vary by state will not be lower than state law allows. We back the principal and interest guarantees relating to the fixed account. These guarantees are subject to the creditworthiness and continued claims-paying ability of RiverSource Life.

The Regular Fixed Account

For RAVA 4 Advantage and RAVA 4 Select, unless the PN program is in effect, you also may allocate purchase payments and purchase payment credits or transfer contract value to the regular fixed account. Effective May 10, 2010, for RAVA 4 Access contracts you cannot allocate purchase payments to the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) The value of the regular fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the regular fixed account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. Subject to state limitations, we reserve the right to limit purchase payment allocations to the regular fixed account if the interest rate we are then currently crediting to the regular fixed account is equal to the minimum interest rate stated in the contract. (See “Making the Most of Your Contract — Transfer policies” for restrictions on transfers involving the regular fixed account.)

The Special DCA Fixed Account

You also may allocate purchase payments and purchase payment credits to the Special DCA fixed account, when available. The Special DCA fixed account is available for new purchase payments. The value of the Special DCA fixed account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment is guaranteed for the period of time money remains in the Special DCA fixed account. (See “Making the Most of Your Contract — Special Dollar Cost Averaging Program” for more information on the Special DCA fixed account.)

Buying Your Contract

New contracts are not currently being offered. We are required by law to obtain personal information from you which we used to verify your identity. If you do not provide this information we reserve the right to refuse to issue your contract or take other steps we deem reasonable. As the owner, you have all rights and may receive all benefits under the contract. You can own a nonqualified annuity in joint tenancy with rights of survivorship only in spousal situations. You cannot own a qualified annuity in joint tenancy. You can buy a contract if you and the annuitant are 90 or younger. If you are a Florida resident, you can not buy a contract if you and the annuitant are age 65 or older.

When you applied, you could have selected among the following (if available in your state):

•	GPAs, the regular fixed account⁽¹⁾, subaccounts, or the Special DCA fixed account in which you want to invest;
•	how you want to make purchase payments;
•	a beneficiary;
•	under RAVA 4 Advantage, the length of the surrender charge period (seven or ten years)⁽²⁾;
•	one of the following optional death benefits:

– ROPP Death Benefit⁽³⁾;

– MAV Death Benefit⁽³⁾;

– 5-Year MAV Death Benefit⁽³⁾;

– EEB Death Benefit⁽³⁾;

20 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

– EEP Death Benefit⁽³⁾; and

•	under RAVA 4 Advantage and RAVA 4 Select, one of the following optional living benefits:

– Accumulation Benefit rider⁽⁴⁾;

– SecureSource Flex rider⁽⁴⁾;

– GWB for Life rider; or

– SecureSource rider.

⁽¹⁾	For RAVA 4 Access contracts you could not have selected the regular fixed account.
⁽²⁾	In Alaska, Arizona, Colorado, Connecticut, Georgia, Hawaii, Illinois, Iowa, Michigan, Minnesota, Mississippi, Montana, New Jersey, North Carolina, Oregon, Texas, Utah and Washington, the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. For contracts issued in Alabama and Massachusetts, we waive surrender charges after the tenth contract anniversary for all payments regardless of when payments are made.
⁽³⁾	You may have selected any one of the ROPP, MAV, 5-Year MAV, EEB or EEP riders or certain combinations thereof. You may select the MAV and either the EEB or the EEP. You may select the 5-Year MAV and either the EEB or the EEP. You cannot select both the EEB and EEP. You cannot select both the MAV and 5-Year MAV. The MAV, EEB, EEP and 5-Year MAV are only available if you are 75 or younger at the rider effective date. EEP is only available on contracts purchased through a transfer or exchange. ROPP is only available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are 75 or younger.
⁽⁴⁾	You may have selected either the Accumulation Benefit or SecureSource Flex rider. The Accumulation Benefit and SecureSource Flex – Single Life riders are only available if you are 80 or younger at the rider effective date. SecureSource Flex – Joint Life rider is available if both covered spouses are 80 or younger.

The contracts provide for allocation of purchase payments and purchase payment credits to the subaccounts of the variable account, to the GPAs, to the regular fixed account and/or to the Special DCA fixed account (when available) in even 1% increments subject to the $1,000 required minimum investment for the GPAs. There may be certain restrictions on the amount you may allocate to the regular fixed account. For RAVA 4 Access contracts purchase payment credits are not available and you cannot allocate purchase payments to the regular fixed account. (Exception: RAVA 4 Access contract holders who remained invested in the static PN program model portfolio and have the regular fixed account included in the model portfolio selected.) (See “Purchase Payments.”)

Householding and delivery of certain documents

Purchase Payments

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract.

Minimum allowable purchase payments*

If paying by installments under a scheduled payment plan:

$50 per month

If paying by any other method:	RAVA 4 Advantage	RAVA 4 Select	RAVA 4 Access
initial payment for qualified annuities	$1,000	$2,000	$2,000
initial payment for nonqualified annuities	2,000	10,000	10,000
for any additional payments	50	50	50

RAVA 4 Advantage and RAVA 4 Select Band 3 annuities sold to individuals other than advisors and employees: Require a minimum $1,000,000 initial purchase payment and our approval. Contracts already approved may make payments in subsequent years up to $100,000 if your age on the effective date of the contract is age 85 or younger and $50,000 if your age on the effective date of the contract is age 86 to 90.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 21

Maximum allowable purchase payments**

(without our approval) based on your age on the effective date of the contract:

	RAVA 4 Advantage	RAVA 4 Select	RAVA 4 Access
For the first year: through age 85	$999,999	$999,999	$999,999
for ages 86 to 90	100,000	100,000	100,000
For each subsequent year: through age 85	100,000	100,000	100,000
for ages 86 to 90	50,000	50,000	50,000

**	These limits apply in total to all RiverSource Life annuities you own. These limits may vary by state. We reserve the right to increase maximum limits. For qualified annuities, the Code’s limits on annual contributions also apply.

We will consider your contract void from the start if we do not receive your initial purchase payment within 180 days from the application signed date. For contract applications signed on or after Feb. 3, 2012 with SecureSource and SecureSource Flex riders, we considered your contract void from the start if we did not receive purchase payment within 90 days from the application signed date.

For RAVA 4 Advantage, except for TSAs, purchase payments are limited and may not be made after the third contract anniversary in Massachusetts and Alabama.

Additional purchase payment restrictions for contracts with the Accumulation Benefit rider

Additional purchase payment restrictions for contracts with the GWB for Life rider

Effective Jan. 26, 2009, after initial purchase payments are received, limited additional purchase payments are allowed for all contracts with the GWB for Life, subject to state restrictions. Initial purchase payments are: 1) payments received with the application; and 2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application, paper work initiated within 30 days from contract issue date and received within 180 days from the contract issue date.

For contracts issued in all states except those listed below, the only additional purchase payments that will be allowed on/after Jan. 26, 2009 are the maximum permissible annual contribution described by the Code for qualified annuities.

For contracts with GWB for Life rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will be limited to $100,000 for the life of your contract. The limit does not apply to initial purchase payments.

Additional purchase payment restrictions for contracts with the SecureSource rider

Effective Feb. 27, 2012, after initial purchase payments are received, limited additional purchase payments are allowed for all contracts with the SecureSource rider, subject to state restrictions. Initial purchase payments are: 1) payments received with the application; and 2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application, paper work initiated within 30 days from contract issue date and received within 180 days from the contract issue date.

For contracts issued in all states except those listed below, the only additional purchase payments that will be allowed on/after Feb. 27, 2012 are the maximum permissible annual contribution described by the Code for qualified annuities.

For contracts with SecureSource rider issued in Florida, New Jersey, and Oregon, additional purchase payments to your variable annuity contract will be limited to $100,000 for the life of your contract. The limit does not apply to initial purchase payments.

Additional purchase payment restrictions for contracts with the SecureSource Flex riders

Effective Feb. 27, 2012, no additional purchase payments are allowed for SecureSource Flex riders subject to certain exceptions listed below.

Certain exceptions applied and additional purchase payments were allowed on or after Feb. 27, 2012:

a.	For contracts with applications signed prior to Feb. 3, 2012, (1) purchase payments received within 90 calendar days from the contract application signed date and (2) Tax Free Exchanges, rollovers, and transfers listed on the annuity application and received within 180 days from the contract application signed date.
b.	For contracts with applications signed on or after Feb. 3, 2012, purchase payments received within 90 calendar days from the contract application signed date.

22 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

c.	Current tax year contributions for TSAs and Custodial and investment only plans under Section 401(a) of the Code, up to the annual limit set by the IRS.
d.	Prior and current tax year contributions up to the annual limit set up by the IRS for any Qualified Accounts except TSAs and 401(a)s. This annual limit applies to IRAs, Roth IRAs, SIMPLE IRAs and SEP plans.

The SecureSource Flex riders also prohibit additional purchase payments while the rider is effective, if (1) you decline a rider fee increase, or (2) the Annual Lifetime Payment (ALP) is established and your contract value on an anniversary is less than four times the ALP. (For the purpose of this calculation only, the ALP is determined using 5%, as described under “Optional Living Benefits — Currently Offered — SecureSource Flex Riders.”)

If you take a withdrawal and then make additional purchase payments during the waiting period, these purchase payments are not guaranteed until the end of the waiting period.

Subject to state restrictions, we reserve the right to change the purchase payment limitations for all optional riders, including making further restrictions, upon written notice.

Subject to state regulatory requirements, we reserve the right to not accept purchase payments allocated to the regular fixed account for twelve months following either:

1.	a partial surrender from the regular fixed account; or
2.	a lump sum transfer from the regular fixed account to a subaccount.

How to Make Purchase Payments

11 By letter

Send your check along with your name and contract number to:

RiverSource Life Insurance Company
70200 Ameriprise Financial Center
Minneapolis, MN 55474

22 By scheduled payment plan

We can help you set up:

•	an automatic payroll deduction, salary reduction or other group billing arrangement; or
•	a bank authorization.

Purchase Payment Credits

Purchase payment credits are not available for RAVA 4 Access.

For RAVA 4 Advantage: we add a credit to your contract in the amount of:

•	1% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract and the initial purchase payment is under $100,000; or

– if you elect the seven-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

•	2% of each purchase payment received if you elect the ten-year surrender charge schedule for your contract and your initial purchase payment to the contract is at least $100,000 but less than $1,000,000.

For RAVA 4 Advantage – Band 3: we add a credit to your contract in the amount of:

•	2% of each purchase payment received:

– if you elect the seven-year surrender charge schedule for your contract.

•	3% of each purchase payment received:

– if you elect the ten-year surrender charge schedule for your contract.

Surrender charges under RAVA 4 Advantage and RAVA 4 Advantage – Band 3 may be higher and longer than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, there could be circumstances where you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. All things being equal (such as fund performance and availability), this may occur if you select the ten-year surrender charge and you make a

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 23

full surrender before year ten. We pay for the credits under RAVA 4 Advantage and RAVA 4 Advantage – Band 3 primarily through revenue from a higher and longer surrender charge schedule and through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

For RAVA 4 Select: we add a credit to your contract in the amount of:

•	1% of each purchase payment received in the first contract year if your initial purchase payment to the contract is at least $250,000 but less than $1,000,000; or
•	2% of each purchase payment received in the first contract year if your initial purchase payment to the contract is $1,000,000 or more. Please note that purchase payments of $1,000,000 or more require our approval.

For RAVA 4 Select – Band 3: we add a credit to your contract in the amount of 2% of each purchase payment received in the first contract year.

Expenses under RAVA 4 Select and RAVA 4 Select – Band 3 may be higher than those for contracts that do not have purchase payment credits. The amount of the credits may be more than offset by the additional charges associated with them. Because of higher charges, you may be worse off purchasing one of these contracts with the credits than purchasing other contracts. We pay for the credits under RAVA 4 Select and RAVA 4 Select – Band 3 primarily through lower costs associated with larger sized contracts, including lower compensation paid on the sales of these contracts.

We fund all credits from our general account. We do not consider credits to be “investments” for income tax purposes. (See “Taxes.”)

We will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, surrender payment, or your settlement under an annuity payout plan includes purchase payment credits applied within twelve months preceding: (1) the date of death that results in a death benefit payment under this contract; (2) a request for surrender charge waiver due to Hospital or Nursing Home Confinement or Terminal Illness Disability Diagnosis; or (3) your settlement of the contract under an annuity payout plan.*

*	For contracts purchased in Oregon, we will assess a charge, similar to a surrender charge, equal to the amount of the purchase payment credits to the extent a death benefit, includes purchase payment credits applied within twelve months preceding the date of death.

Limitations on Use of Contracts

The Settlement Date

24 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Beneficiary

If death benefits become payable before the settlement date while the contract is in force and before annuity payouts begin, we will pay the death benefit to your named beneficiary. If there is more than one beneficiary we will pay each beneficiary’s designated share when we receive their completed claim. A beneficiary will bear the investment risk of the variable account until we receive the beneficiary’s completed claim. If there is no named beneficiary, then the default provisions of your contract will apply. (See “Benefits in Case of Death” for more about beneficiaries.)

If you select the SecureSource – Joint Life rider, please consider carefully whether or not you wish to change the beneficiary of your annuity contract. The rider will terminate if the surviving covered spouse can not utilize the spousal continuation provision of the contract when the death benefit is payable.

Charges

Contract Administrative Charge

We charge this fee for establishing and maintaining your records. Currently, we deduct $30 from your contract value on your contract anniversary at the end of each contract year. Subject to state regulatory requirements, we prorate this charge among the subaccounts and the regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. The contract administrative charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. We reserve the right to increase this charge after the first contract anniversary to a maximum of $50.*

We will waive $30 of this charge when your contract value, or total purchase payments less any payments surrendered, is $50,000 or more on the current contract anniversary.

*	In certain states and for certain contracts we have waived our right to increase the contract administrative charge.

Mortality and Expense Risk Fee

We charge this fee daily to the subaccounts. The unit values of your subaccounts reflect this fee, which is a percentage of their average daily net assets, on an annual basis as follows:

	RAVA 4 Advantage	RAVA 4 Select	RAVA 4 Access
For nonqualified annuities	1.05%	1.30%	1.45%
For qualified annuities	.85%	1.10%	1.25%

This fee covers the mortality and expense risk that we assume. This fee does not apply to the GPAs, the regular fixed account or the Special DCA fixed account.

Mortality risk arises because of our guarantee to pay a death benefit and our guarantee to make annuity payouts according to the terms of the contract, no matter how long a specific owner or annuitant lives and no matter how long our entire group of owners or annuitants lives. If, as a group, owners or annuitants outlive the life expectancy we assumed in our actuarial tables, we must take money from our general assets to meet our obligations. If, as a group, owners or annuitants do not live as long as expected, we could profit from the mortality risk fee. We deduct the mortality risk fee from the subaccounts during the annuity payout period even if the annuity payout plan does not involve a life contingency.

The subaccounts pay us the mortality and expense risk fee they accrued as follows:

•	first, to the extent possible, the subaccounts pay this fee from any dividends distributed from the funds in which they invest;
•	then, if necessary, the funds redeem shares to cover any remaining fees payable.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 25

We may use any profits we realize from the subaccounts’ payment to us of the mortality and expense risk fee for any proper corporate purpose, including, among others, payment of distribution (selling) expenses. We do not expect that the surrender charge for RAVA 4 Advantage or RAVA 4 Select, discussed in the following paragraphs, will cover sales and distribution expenses.

Surrender Charge

If you surrender all or part of your contract, you may be subject to a surrender charge. For RAVA 4 Advantage, a surrender charge applies if all or part of the surrender amount is from purchase payments we received within seven or ten years before surrender. You select the surrender charge period at the time of your application for the contract. For RAVA 4 Select, a surrender charge applies if you surrender all or part of your purchase payments in the first three contract years. There is no surrender charge for RAVA 4 Access. The surrender charge percentages that apply to you are shown in your contract.

Contracts without GWB for Life rider or SecureSource rider

The TFA is the greater of:

•	10% of the contract value on the prior contract anniversary*; or
•	current contract earnings.

Contracts with GWB for Life rider or SecureSource rider

The TFA is the greatest of:

•	10% of the contract value on the prior contract anniversary*;
•	current contract earnings;
•	the Remaining Benefit Payment; or
•	the Remaining Annual Lifetime Payment.
*	We consider all purchase payments received and any purchase payment credit applied prior to your surrender request to be the prior contract anniversary’s contract value during the first contract year.

NOTE: We determine current contract earnings by looking at the entire contract value, not the earnings of any particular subaccount, GPA, the regular fixed account or the Special DCA fixed account.

Amounts surrendered in excess of the TFA may be subject to a surrender charge as described below.

Surrender charge under RAVA 4 Advantage:
For purposes of calculating any surrender charge under RAVA 4 Advantage, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, we surrender purchase payments received prior to the surrender charge period you selected and shown in your contract. We do not assess a surrender charge on these purchase payments.
3.	Finally, if necessary, we surrender purchase payments received that are still within the surrender charge period you selected and shown in your contract. We surrender these payments on a first-in, first-out (FIFO) basis. We do assess a surrender charge on these payments.

We determine your surrender charge by multiplying each of your payments surrendered by the applicable surrender charge percentage, and then adding the total surrender charges.

26 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

The surrender charge percentage depends on the number of years since you made the payments that are surrendered, depending on the schedule you selected*:

Seven-year schedule		Ten-year schedule*
Number of completed years from date of each purchase payment**	Surrender charge percentage	Number of completed years from date of each purchase payment**	Surrender charge percentage
0	7%	0	8%
1	7	1	8
2	7	2	8
3	6	3	7
4	5	4	7
5	4	5	6
6	2	6	5
7+	0	7	4
		8	3
		9	2
		10+	0

In Alaska, Arizona, Colorado (effective 8-17-07), Connecticut, Georgia (effective 11-10-06), Hawaii, Illinois, Iowa, Michigan (effective 8-17-07), Minnesota, Mississippi, Montana, New Jersey (effective 8-17-07), North Carolina, Oregon, Texas (effective 6-1-10), Utah and Washington the ten-year surrender charge schedule is 8% for years 0-2, 7% for year 3 and declining by 1% each year thereafter until it is 0% for years 10+. In Colorado, Georgia, Michigan, New Jersey and Texas contracts issued before the effective dates listed above follow the ten-year surrender charge schedule in the table above. For contracts issued in Alabama and Massachusetts, surrender charges are waived after the tenth contract anniversary for all payments regardless of when payments are made. Please see your contract for the surrender charge schedule applicable to you.

**	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed fourteen days prior to the anniversary of the day each purchase payment was received.

Surrender charge under RAVA 4 Select (except Texas):
For purposes of calculating any surrender charge under RAVA 4 Select, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We do assess a surrender charge on these payments during the first three contract years as follows:

Contract year***	Surrender charge percentage
1	7%
2	7
3	7
Thereafter	0

Surrender charge under RAVA 4 Select in Texas:
For purposes of calculating any surrender charge under RAVA 4 Select in Texas, we treat amounts surrendered from your contract value in the following order:

1.	First, we surrender the TFA. We do not assess a surrender charge on the TFA.
2.	Next, if necessary, we surrender purchase payments. We surrender amounts from the oldest purchase payments first. We do assess a surrender charge on these payments during the first three contract years as follows:

Number of completed years from date of each purchase payment***	Surrender charge percentage
0	8%
1	7
2	6
Thereafter	0

3.	There are no surrender charges after the third contract anniversary.

***	According to our current administrative practice, for the purpose of surrender charge calculation, we consider that the year is completed one day prior to the contract anniversary.

Surrender charge under RAVA 4 Access:
There is no surrender charge if you surrender all or part of your contract.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 27

Partial surrenders:

For an example, see Appendix C.

Liquidation charge under Variable Annuity Payout Plan E — Payouts for a specified period: Under this annuity payout plan, you can choose to surrender those payments. The amount that you can surrender is the present value of any remaining variable payouts. The discount rate we use in the calculation will be 5.17% if the assumed investment return is 3.5% and 6.67% if the assumed investment return is 5%. The liquidation charge equals the present value of the remaining payouts using the assumed investment return minus the present value of the remaining payouts using the discount rate.

Number of Completed Years Since Annuitization	Surrender charge percentage
0	Not applicable*
1	5%
2	4
3	3
4	2
5	1
6 and thereafter	0

*	We do not permit surrenders in the first year after annuitization.

Waiver of surrender charges

We do not assess surrender charges for:

•	surrenders of any contract earnings;
•	surrenders of amounts totaling up to 10% of the contract value on the prior contract anniversary to the extent it exceeds contract earnings;
•	if you elected the GWB for Life rider or SecureSource rider, the greater of your contract’s Remaining Benefit Payment or Remaining Annual Lifetime Payment to the extent it exceeds the greater of contract earnings or 10% of the contract value on the prior contract anniversary;
•	amounts surrendered after the tenth contract anniversary in Alabama and Massachusetts;

•	to the extent that they exceed the greater of contract earnings or 10% of the contract value on the prior contract anniversary, required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;
•	contracts settled using an annuity payout plan*, unless an Annuity Payout Plan E is later surrendered;
•	amounts we refund to you during the free look period*;
•	death benefits*;
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Hospital or Nursing Home Confinement” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date that we issue the contract. Under this provision, we will waive surrender charges that we normally assess upon full or

28 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

	partial surrender. You must provide proof satisfactory to us that, as of the date you request the surrender, you or your spouse are confined to a nursing home or hospital and have been for 60 straight days and the confinement began after the contract date. (See your contract for additional conditions and restrictions on this waiver.); and
•	surrenders you make under your contract’s “Waiver of Surrender Charges for Terminal Illness Disability Diagnosis” provision*. To the extent permitted by state law, this provision applies when you are under age 76 on the date we issue the contract. Under this provision, we will waive surrender charges that we normally assess for surrenders you make if you or your spouse are diagnosed after the contract issue date as disabled with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of a licensed physician’s statement. You must provide us with a licensed physician’s statement containing the terminal illness diagnosis and the date the terminal illness was initially diagnosed. (See your contract for additional conditions and restrictions on this waiver.)
*	However, we will reverse certain purchase payment credits. (See “Buying your contract — Purchase payment credits.”)

Possible group reductions: In some cases we may incur lower sales and administrative expenses due to the size of the group, the average contribution and the use of group enrollment procedures. In such cases, we may be able to reduce or eliminate certain charges such as the contract administrative and surrender charges. However, we expect this to occur infrequently.

Optional Living Benefit Charges

SecureSource Flex Rider Fee

We deduct an annual charge for this optional feature only if you select it. The charge is calculated by multiplying the annual rider fee by the greater of the contract anniversary value or the total Remaining Benefit Amount (RBA). The current annual rider fees are as follows:

•	SecureSource Flex – Single Life rider, 0.95%;
•	SecureSource Flex – Joint Life rider, 1.10%.

We deduct the charge from your contract value on your contract anniversary. Remember, since the charge is taken on a contract anniversary all purchase payments received during the preceding calendar year will increase your charge. This is especially important to consider when you make purchase payments near your contract anniversary because the amount these payments increase your contract value will result in an increase rider anniversary charge even though purchase payment was applied close to your contract anniversary. We prorate this charge among the regular fixed account and the subaccounts in the same proportion as your interest in each bears to your total contract value, less any amounts invested in GPAs or any Special DCA account. Such charge is only deducted from GPAs and any Special DCA account if insufficient amounts are available from the regular fixed account and variable subaccounts.

We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the SecureSource Flex rider, you may not cancel it (except as described below), and the charge will continue to be deducted until the contract or rider is terminated, or the contract value reduces to zero. If the contract or rider is terminated for any reason, we will deduct the charge adjusted for the number of calendar days coverage was in place since we last deducted the charge. If the RBA reduces to zero but the contract value has not been depleted, you will continue to be charged.

Currently the SecureSource Flex rider fee does not vary with the PN program investment option selected; however, we reserve the right to vary the rider fee for each investment option. The SecureSource Flex – Single Life rider fee will not exceed a maximum fee of 2.00%. The SecureSource Flex – Joint Life rider fee will not exceed a maximum fee of 2.50 %.

The following describes how your annual rider fee may increase:

We may increase the annual rider fee at our discretion and on a nondiscriminatory basis. Your annual rider fee will increase if we declare an increase to the fee with written notice 30 days in advance except as described below. The new fee will be in effect on the date we declare in the written notice.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 29

(A)	You can decline this increase and therefore all future fee increases if we receive your written request prior to the date of the fee increase, in which case you permanently relinquish:

(i)	all future annual step-ups, and for the Joint Life rider, spousal continuation step-ups,
(ii)	any ability to make additional purchase payments,
(iii)	the ability to change your PN program investment option to one that is more aggressive than your current investment option. Any change to a less aggressive investment option will further limit the investment options available to the then current and less aggressive investment options.

(B)	You can terminate this rider if your annual rider fee after any increase is more than 0.25 percentage points higher than your fee before the increase and if we receive your written request to terminate the rider prior to the date of the fee increase.

Your annual rider fee may increase if you elect to change to a more aggressive PN program investment option and if the new investment option has a higher current annual rider fee. The annual rider fees associated with the available PN program investment options may change at our discretion, however these changes will not apply to this rider unless you change your current investment option to a more aggressive investment option. The new fee will be in effect on the valuation date we receive your written request to change your investment option. You cannot decline this type of fee increase. To avoid it, you must stay in the same investment option or move to a less aggressive one. Also, this type of fee increase does not allow you to terminate the rider.

If the rider fee changes during the contract year, we will calculate an average rider fee, for that contract year only, that reflects the various different fees that were in effect for that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after you annuitize your contract and annuity payouts begin.

Accumulation Benefit Rider Fee

We deduct an annual charge from your contract value based on the greater of your contract value or the minimum contract accumulation value on your contract anniversary for this optional benefit only if you select it. See table below for the applicable percentage.

We prorate this charge among the subaccounts and the regular, fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the Special DCA fixed account. Such charge is only deducted from any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the Accumulation Benefit rider, you may not cancel it and the charge will continue to be deducted through the end of the waiting period or when annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the charge, adjusted for the number of calendar days coverage was in place since we last deducted the charge.

The Accumulation Benefit rider fee will not exceed a maximum fee of 2.50%.

We may change the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the Accumulation Benefit rider fee in effect on your contract after the rider effective date unless:

(a)	you choose the annual elective step-up or elective spousal continuation step-up after we have exercised our rights to increase the rider fee; or
(b)	you change your PN program investment option after we have exercised our rights to increase the rider fee or vary the rider fee for each PN program investment option.

Contract purchase date	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/2012
Prior to 1/26/2009	2.50%	0.60%

30 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Contract purchase date	Maximum annual rider fee	Initial annual rider fee and annual rider fee for elective step-ups before 10/20/2012
01/26/2009 – 05/31/2009	2.50%	0.80%
11/09/2009 – 10/03/2010	2.50%	1.25%
10/04/2010 and later	2.50%	1.50%

Current annual rider fees for elective step-up (including elective spousal continuation step-up) requests on/after 10/20/2012 are shown in the table below.

Elective step up date:	If invested in Portfolio Navigator fund at the time of step-up:	If invested in Portfolio Stabilizer fund at the time of step-up:
10/20/2012 – 11/17/2013	1.75%	n/a
11/18/2013 – 10/17/2014	1.75%	1.30%
10/18/2014 – 06/30/2016	1.60%	1.00%
07/01/2016 – 10/15/2018	1.75%	1.30%
10/16/2018 – 12/29/2019	1.40%	1.00%
12/30/2019 – 07/20/2020	1.55%	1.15%
07/21/2020 and later	2.50%	2.25%

(Charged annually as a percentage of contract value or the Minimum Contract Accumulation Value, whichever is greater. The fee applies only if you elect the optional rider.)

If your annual rider fee changes during the contract year, on the next contract anniversary we will calculate an average rider fee that reflects the various different fees that were in effect that year, adjusted for the number of calendar days each fee was in effect.

Subject to the terms of your contract, we reserve the right to further increase the rider fees to the maximum limit provided by your rider and to vary the rider fees based on the fund you select.

The automatic step-up option available under your rider will not impact your rider fee.

Please see the “Optional Living Benefits — Accumulation Benefit Rider” section for a full description and rules applicable to elective and automatic step-up options under your rider.

The charge does not apply after annuity payouts begin.

GWB for Life Rider Fee

We deduct a charge for this optional feature only if you select it. The initial annual rider fee is 0.65%. The charge is calculated by multiplying the annual rider fee by the greater of the contract anniversary value or the Remaining Benefit Amount (RBA). Remember, since the charge is taken on a contract anniversary all purchase payments received during the preceding calendar year will increase your charge. This is especially important to consider when you make purchase payments near your contract anniversary because the payment amount increases your contract value and will result in an increased rider anniversary charge.

We prorate this charge among the subaccounts and the regular fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this prorated approach to comply with state regulations where necessary.

Once you elect the GWB for Life rider, you may not cancel it and the fee will continue to be deducted until the contract is terminated, the contract value reduces to zero or annuity payouts begin. If the contract is terminated for any reason or when annuity payouts begin, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the RBA goes to zero but the contract value has not been depleted, you will continue to be charged.

The GWB for Life rider fee will not exceed a maximum fee of 1.50%.

We may increase the rider fee at our discretion and on a nondiscriminatory basis.

We will not change the GWB for Life rider fee in effect on your contract after the rider effective date unless:

(a)	you choose the annual elective step-up or the elective spousal continuation step-up after we have exercised our rights to increase the rider fee; or

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 31

(b)	you elect to change your PN program investment option after we have exercised our rights to increase and/or vary the rider fee for each investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:

•	request an elective step-up or the elective spousal continuation step-up, or
•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to, the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.

Fund name	Maximum annual rider fee	Initial annual rider fee and fee for elective step-ups before 12/18/13	Current rider fee for elective step-ups on or after 12/18/13
Portfolio Stabilizer funds	1.50%	0.65%	0.65%
Portfolio Navigator funds:
Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	1.50%	0.65%	0.65%
Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	1.50%	0.65%	0.65%
Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	1.50%	0.65%	0.65%
Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	1.50%	0.65%	0.95%
Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)	1.50%	0.65%	1.10%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:

1.	Remain invested in your current Portfolio Navigator fund and elect to step-up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.
2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.
3.	Do not elect a step-up, if eligible. You will not lock in contract gains, but your rider fee will stay the same.
4.	If you are invested in the Variable Portfolio — Aggressive Portfolio or the Variable Portfolio — Moderately Aggressive Portfolio: move to a less aggressive Portfolio Navigator fund that is not subject to a fee increase. If you do this, your rider fee will not increase.

During the 30 days following your contract anniversary, if your contract value is allocated to a fund subject to a fee increase, we will automatically process any available step-up and lock in any contract gains, as well as reactivate automatic step-ups, under the following circumstances:

(1)	transfers of contract value to a Portfolio Stabilizer fund, a less aggressive Portfolio Navigator fund that is not subject to a fee increase, or to a more aggressive Portfolio Navigator fund; or
(2)	a withdrawal occurs resulting in your contract value automatically being moved as of the date of the withdrawal to the Portfolio Navigator Moderate fund.

The step-up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.

We will notify you in writing about your opportunity to elect to step-up (if eligible) and incur the higher rider fee or maintain your guaranteed amount at its current level and keep your rider fee the same. If you are subject to a fee increase, you will receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step-up to increase your guaranteed income and how to make the election if eligible. You will have a 30 day period beginning on your next contract anniversary to choose whether to step-up and accept the fee increase. The step-up and new fee will be effective on the date we receive your request for the step-up (Step-up date). For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step-up or to transfer funds to lock in any available contract gains, the following will apply:

(1)	the duration of your window is determined on a calendar day basis;

32 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

(2)	under our current administrative process we will accept your request on the 31st calendar day if we receive it prior to the close of the NYSE; and
(3)	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

Each year, we will continue to provide you written notice of your options with respect to elective step-ups and the fee increase until you are no longer subject to a fee increase. Once you have taken action that results in a higher fee, you will become eligible for automatic step-ups under the rider.

If you choose the elective step-up, the elective spousal continuation step-up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the valuation date we receive your written request to step-up or change your investment option. On the next contract anniversary, we will calculate an average fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after annuity payouts begin.

For an example of how your fee will vary upon elective step-up or spousal continuation step-up, please see Appendix T.

SecureSource Rider Fee

We deduct a charge based on the greater of the contract anniversary value or the total Remaining Benefit Amount (RBA)⁽¹⁾for this optional feature only if you select it as follows:

Contract purchase date	Maximum annual rider fee	Initial annual rider fee
prior to 1/26/2009, Single Life	1.50%	0.65%
prior to 1/26/2009, Joint Life	1.75%	0.85%
1/26/2009 and later, Single Life	2.00%	0.90%
1/26/2009 and later, Joint Life	2.50%	1.15%

We deduct the charge from your contract value on your contract anniversary. Remember, since the charge is taken on a contract anniversary all purchase payments received during the preceding calendar year will increase your charge. This is especially important to consider when you make purchase payments near your contract anniversary because the payment amount increases your contract value and will result in an increased rider anniversary charge. We prorate this charge among the subaccounts and the regular fixed account (if applicable) in the same proportion as your interest in each bears to your total contract value, less any amounts invested in the GPAs and in the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. The charge will only be deducted from the subaccounts in Washington. We will modify this approach to comply with state regulations where necessary.

Once you elect the SecureSource rider, you may not cancel it and the fee will continue to be deducted until the contract or rider is terminated, or the contract value reduces to zero. If the contract or rider is terminated for any reason, we will deduct the fee, adjusted for the number of calendar days coverage was in place since we last deducted the fee. If the RBA reduces to zero but the contract value has not been depleted, you will continue to be charged.

We may increase the rider fee at our discretion and on a nondiscriminatory basis. However, the rider fee will not exceed the maximum fee as shown in the table above.

We will not change the SecureSource rider fee in effect on your contract after the rider effective date unless:

(a)	you choose the annual elective step up or elective spousal continuation step up after we have exercised our rights to increase the rider fee; or
(b)	you elect to change your PN program investment option after we have exercised our rights to increase and/or vary the rider fee for each investment option.

Effective Dec. 18, 2013, we exercised our right to increase the rider fee and vary the fee depending on the fund to which your contract value is invested. Beginning Dec. 18, 2013, if you:

•	request an elective step up or the elective spousal continuation step up, or

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 33

•	move to a Portfolio Navigator fund that is more aggressive than the Portfolio Navigator fund you are currently allocated to,

the fee that will apply to your rider will correspond to the fund in which you are currently invested as shown in the table below.

	Portfolio Navigator funds
Contract purchase date	All Portfolio Stabilizer funds	Variable Portfolio – Conservative Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderately Conservative Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderate Portfolio (Class 2), (Class 4)	Variable Portfolio – Moderately Aggressive Portfolio (Class 2), (Class 4)	Variable Portfolio – Aggressive Portfolio (Class 2), (Class 4)
prior to 1/26/2009, Single Life	0.65%	0.65%	0.65%	0.65%	0.90%	1.00%
prior to 1/26/2009, Joint Life	0.85%	0.85%	0.85%	0.85%	1.10%	1.20%
1/26/2009 and later, Single Life	0.90%	0.90%	0.90%	0.90%	1.00%	1.10%
1/26/2009 and later, Joint Life	1.15%	1.15%	1.15%	1.15%	1.25%	1.35%

On your next contract anniversary, if your contract value is allocated to a fund subject to a fee increase, you will have 30 days following the anniversary to choose from the following:

1.	Remain invested in your current Portfolio Navigator fund and elect to step up (when available) and lock in your contract gains. If you make this decision, your rider fee will increase.
2.	Move to one of the Portfolio Stabilizer funds. If you do this, your rider fee will not increase, but remember that you will lose your access to invest in the Portfolio Navigator funds.
3.	Do not elect a step up. You will not lock in contract gains, but your rider fee will stay the same.
4.	If you are invested in the Variable Portfolio — Aggressive Portfolio or the Variable Portfolio — Moderately Aggressive Portfolio: move to a less aggressive Portfolio Navigator fund that is not subject to a fee increase. If you do this, your rider fee will not increase.

During the 30 days following your contract anniversary, if your contract value is allocated to a fund subject to a fee increase, we will automatically process any available step up and lock in any contract gains, as well as reactivate automatic step ups, under the following circumstances:

(1)	transfers of contract value to a Portfolio Stabilizer fund, a less aggressive Portfolio Navigator fund that is not subject to a fee increase, or to a more aggressive Portfolio Navigator fund; or
(2)	a withdrawal occurs resulting in your contract value automatically being moved as of the date of the withdrawal to the Portfolio Navigator Moderate fund.

The step up and lock in of any contract gains will occur as of the date of the transfer or withdrawal described above.

We will notify you in writing about your opportunity to elect to step up (if eligible) and incur the higher rider fee or maintain your guaranteed amount at its current level and keep your rider fee the same. If you are subject to a fee increase, you will receive a letter from us approximately 30 days before your next annuity contract anniversary. This letter will describe the potential opportunity to elect a step up to increase your guaranteed income and how to make the election (if eligible). You will have a 30 day period beginning on your next contract anniversary to choose whether to step up and accept the fee increase. The Step up and new fee will be effective on the date we receive your request for the step up (Step up date). For purposes of determining the duration of the “30 day window” following your contract anniversary to elect to step up or to transfer funds to lock in any available contract gains, the following will apply:

(1)	the duration of your window is determined on a calendar day basis;
(2)	under our current administrative process we will accept your request on the 31st calendar day if we receive it prior to the close of the NYSE; and
(3)	if your window ends on a day the NYSE is closed, we must receive your request no later than the close of the NYSE on the preceding Valuation Date.

34 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Each year, we will continue to provide you written notice of your options with respect to elective step ups and the fee increase until you are no longer subject to a fee increase. Once you have taken action that results in a higher fee, you will become eligible for automatic step ups under the rider.

Before you elect a step up resulting in an increased rider fee, you should carefully consider the benefit of the contract value gains you are locking-in and the increased rider fee compared to your other options including whether it is appropriate to consider moving to a fund with a lower corresponding rider fee.

If you choose the elective step up, the elective spousal continuation step up, or change your investment option after we have exercised our rights to increase the rider fee as described above, you will pay the fee that is in effect on the valuation date we receive your written request to step up or change your investment option. On the next contract anniversary, we will calculate an average rider fee, for the preceding contract year only, that reflects the various different charges that were in effect that year, adjusted for the number of calendar days each fee was in effect.

The charge does not apply after annuity payouts begin.

For an example of how your fee will vary upon elective step up or spousal continuation step up, please see Appendix I.

⁽¹⁾	In Washington, the fee is based on the greater of the variable account contract value or the RBA less amounts invested in the fixed account.

Optional Death Benefit Charges

ROPP Rider Fee

We deduct a charge for this optional feature only if you select it.⁽¹⁾If selected, we deduct an annual charge of 0.20% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.30%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 76 or older at the rider effective date. ROPP is included in the standard death benefit if you are age 75 or younger on the contract effective date at no additional cost.

MAV Rider Fee

We deduct a charge for this optional feature only if you select it.⁽¹⁾If selected, we deduct an annual charge of 0.25% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.35%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 75 or younger at the rider effective date. Not available with the 5-Year MAV.

5-Year MAV Rider Fee

We deduct a charge for this optional feature only if you select it.⁽¹⁾If selected, we deduct an annual charge of 0.10% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed account in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.20%.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 35

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 75 or younger at the rider effective date. Not available with the MAV.

EEB Rider Fee

We deduct a charge for this optional feature only if you select it.⁽¹⁾If selected, we deduct an annual charge of 0.30% of your contract value on your contract anniversary at the end of each contract year. We prorate this charge among the subaccounts and regular fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.40%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 75 or younger at the rider effective date. Not available with EEP. May not be available in all states.

EEP Rider Fee

We deduct a charge for this optional feature only if you select it.⁽¹⁾ If selected, we deduct an annual charge of 0.40% of your contract value on your contract anniversary at the end of each contract year. We prorate this fee among the subaccounts and regular fixed accounts in the same proportion your interest in each account bears to your total contract value, less amounts invested in the GPAs and the Special DCA fixed account. Such charge is only deducted from GPAs and any Special DCA fixed account if insufficient amounts are available in the regular fixed account and the subaccounts. In this case, we prorate the fee among all accounts in the same proportion your interest in each account bears to your total contract value. We reserve the right to increase the fee for this rider after the tenth rider anniversary to a maximum of 0.50%.

If the contract is terminated for any reason, we will deduct the charge from your contract value at that time, adjusted for the number of calendar days coverage was in effect during the year.

⁽¹⁾	Available if you are 75 or younger at the rider effective date. Not available with EEB. May not be available in all states. EEP is only available on contracts purchased through a direct transfer or exchange of another annuity or a life insurance policy.

Rider Combination Discount

A fee discount of 0.05% applies if you purchase the 5-Year MAV with either the EEB or EEP. A fee discount of 0.10% applies if you purchase the MAV with either the EEB or EEP.

Fund Fees and Expenses

There are deductions from and expenses paid out of the assets of the funds that are described in the prospectuses for those funds.

Premium Taxes

36 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Valuing Your Investment

We value your accounts as follows:

GPA

We value the amounts you allocate to the GPA directly in dollars. The GPA value equals:

•	the sum of your purchase payments and purchase payment credits allocated to the GPA;
•	plus any amounts transferred to the GPA from the regular fixed account or subaccounts;
•	plus interest credited;
•	minus any amounts transferred from the GPA to the regular fixed account or any subaccount;
•	minus any amounts deducted for charges or surrenders; and/or
•	minus any remaining portion of fees where the values of the regular fixed account and the subaccounts are insufficient to cover those fees.

The Regular Fixed Account

We value the amounts you allocate to the regular fixed account directly in dollars. The regular fixed account value equals:

•	the sum of your purchase payments and purchase payment credits and transfer amounts allocated to the regular fixed account (including any positive or negative MVA on amounts transferred from the GPAs);
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;
•	minus any prorated portion of the contract administrative charge;
•	minus any prorated portion of the ROPP rider fee (if selected);
•	minus any prorated portion of the MAV rider fee (if selected);
•	minus any prorated portion of the 5-Year MAV rider fee (if selected);
•	minus any prorated portion of the EEB rider fee (if selected);
•	minus any prorated portion of the EEP rider fee (if selected);
•	minus any prorated portion of the Accumulation Benefit rider fee (if selected)*;
•	minus any prorated portion of the GWB for Life rider fee (if selected)*;
•	minus any prorated portion of the SecureSource rider fee (if selected)* ; and
•	minus any prorated portion of the SecureSource Flex rider fee (if selected)*.
*	The fee can only be deducted from the subaccounts in Washington.

The Special DCA Fixed Account

We value the amounts you allocate to the Special DCA fixed account directly in dollars. The Special DCA fixed account value equals:

•	the sum of your purchase payments and purchase payment credits allocated to the Special DCA fixed account;
•	plus interest credited;
•	minus the sum of amounts surrendered (including any applicable surrender charges);
•	minus amounts transferred out; and
•	minus any remaining portion of fees where the values of the regular fixed account and the subaccounts are insufficient to cover those fees.

Subaccounts

We convert amounts you allocated to the subaccounts into accumulation units. Each time you make a purchase payment or transfer amounts into one of the subaccounts or we apply any purchase payment credits to a subaccount, we credit a certain number of accumulation units to your contract for that subaccount. Conversely, we subtract a certain number of accumulation units from your contract each time you take a partial surrender, transfer amounts out of a subaccount, or we assess a contract administrative charge, a surrender charge or charge for any optional riders with annual charges (if applicable).

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 37

Number of units: to calculate the number of accumulation units for a particular subaccount we divide your investment by the current accumulation unit value.

Accumulation unit value: the current accumulation unit value for each subaccount equals the last value times the subaccount’s current net investment factor.

We determine the net investment factor by:

•	adding the fund’s current net asset value per share, plus the per share amount of any accrued income or capital gain dividends to obtain a current adjusted net asset value per share; then
•	dividing that sum by the previous adjusted net asset value per share; and
•	subtracting the percentage factor representing the mortality and expense risk fee from the result.

Because the net asset value of the fund may fluctuate, the accumulation unit value may increase or decrease. You bear all the investment risk in a subaccount.

Factors that affect subaccount accumulation units: accumulation units may change in two ways — in number and in value.

The number of accumulation units you own may fluctuate due to:

•	additional purchase payments you allocate to the subaccounts;
•	any purchase payment credits allocated to the subaccounts;
•	transfers into or out of the subaccounts (including any positive or negative MVA on amounts transferred from the GPAs);
•	partial surrenders;
•	surrender charges;

and a deduction of a prorated portion of:

•	the contract administrative charge;
•	the ROPP rider charge (if selected);
•	the MAV rider charge (if selected);
•	the 5-Year MAV rider charge (if selected);
•	the EEB rider charge (if selected);
•	the EEP rider fee charge (if selected);
•	the Accumulation Benefit rider charge (if selected);
•	the GWB for Life rider charge (if selected);
•	the SecureSource rider charge (if selected); or
•	the SecureSource Flex rider charge (if selected).

Accumulation unit values will fluctuate due to:

•	changes in fund net asset value;
•	fund dividends distributed to the subaccounts;
•	fund capital gains or losses;
•	fund operating expenses; and/or
•	mortality and expense risk fees.

38 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

Making the Most of Your Contract

Automated Dollar-Cost Averaging

Currently, you can use automated transfers to take advantage of dollar-cost averaging (investing a fixed amount at regular intervals). For example, you might transfer a set amount monthly from a relatively conservative subaccount to a more aggressive one, or to several others, or from the regular fixed account to one or more subaccounts. Automated transfers from the regular fixed account to the subaccounts under automated dollar-cost averaging may not exceed an amount that, if continued, would deplete the regular fixed account within 12 months. You may not set up an automated transfer to or from the GPAs. You may not set up an automated transfer to the regular fixed account or the Special DCA fixed account. You may not set up an automated transfer if the GWB for Life, SecureSource, Accumulation Benefit, or PN program is selected. There is no charge for dollar-cost averaging.

This systematic approach can help you benefit from fluctuations in accumulation unit values caused by fluctuations in the market values of the funds. Since you invest the same amount each period, you automatically acquire more units when the market value falls and fewer units when it rises. The potential effect is to lower your average cost per unit.

How dollar-cost averaging works

By investing an equal number of dollars each month		Month	Amount invested	Accumulation unit value	Number of units purchased
		Jan	$100	$20	5.00
		Feb	100	18	5.56
you automatically buy more units when the per unit market price is low		Mar	100	17	5.88
	→	Apr	100	15	6.67
		May	100	16	6.25
		June	100	18	5.56
		July	100	17	5.88
and fewer units when the per unit market price is high.		Aug	100	19	5.26
and fewer units when the per unit market price is high.	→	Sept	100	21	4.76
		Oct	100	20	5.00

You paid an average price of $17.91 per unit over the 10 months, while the average market price actually was $18.10.

Special Dollar-Cost Averaging (Special DCA) Program

•	You may only allocate a new purchase payment of at least $10,000 to a Special DCA fixed account.
•	You cannot transfer existing contract values into a Special DCA fixed account.
•	Each Special DCA arrangement consists of six monthly transfers that begin seven days after we receive your purchase payment.
•	We make monthly transfers of your Special DCA fixed account value into the subaccounts or PN program investment option you have selected.
•	You may not use the regular fixed account, GPA account, or the Special DCA fixed account as a destination for the Special DCA monthly transfer. (Exception: if the PN program is in effect and the model portfolio you have selected, if applicable, includes the regular fixed account, amounts will be transferred from the Special DCA fixed account to the regular fixed account according to the allocation percentage established for the model portfolio you have selected.)
•	We will change the interest rate on each Special DCA fixed account from time to time at our discretion based on factors that include the competition and the interest rate we are crediting to the regular fixed account at the time of the change. From time to time, we may credit interest to the Special DCA fixed account at promotional rates that are higher than those we credit to the regular fixed account.

RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus 39

•	We credit each Special DCA fixed account with the current guaranteed annual rate that is in effect on the date we receive your purchase payment. However, we credit this annual rate over the length of the Special DCA arrangement on the balance remaining in your Special DCA fixed account. Therefore, the net effective interest rate you receive is less than the stated annual rate.
•	We do not credit this interest after we transfer the value out of the Special DCA fixed account into the accounts you selected.
•	Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you may establish another new Special DCA fixed account and allocate new purchase payments to it.
•	Funding from multiple sources is treated as individual purchase payments and a new Special DCA fixed account is opened for each payment (if the Special DCA fixed accounts are available on the valuation date we receive your payment).
•	You may terminate your participation in the Special DCA program at any time. If you do, for RAVA 4 Advantage and RAVA 4 Select, we will transfer the remaining balance from your Special DCA fixed account to the regular fixed account, if no other specification is made. Interest will be credited according to the rates in effect on the regular fixed account and not the rate that was in effect on the Special DCA fixed account. For RAVA 4 Access, we will transfer the remaining balance from your Special DCA fixed account to variable subaccounts you specified in your termination request, or if no specification is made, according to your current purchase payment allocation. (Exception: if you are required to be in the PN program when you elect to end your participation in the Special DCA program, we will transfer the remaining balance to the PN program investment option you have selected).
•	We can modify the terms of the Special DCA program at any time. Any modifications will not affect any purchase payments that are already in a Special DCA fixed account. For more information on the Special DCA program, contact your financial advisor.

Asset Rebalancing

You can ask us in writing to have the variable subaccount portion of your contract value allocated according to the percentages (in tenth of a percent amounts) that you choose. We automatically will rebalance the variable subaccount portion of your contract value either quarterly, semi-annually, or annually. The period you select will start to run on the date we record your request. On the first valuation date of each of these periods, we automatically will rebalance your contract value so that the value in each subaccount matches your current subaccount percentage allocations. These percentage allocations must be in numbers with no more than one digit past the decimal. Asset rebalancing does not apply to the GPAs, regular fixed account or the Special DCA fixed account. There is no charge for asset rebalancing. The contract value must be at least $2,000.

Different rules apply to asset rebalancing under the Portfolio Navigator program (see “Portfolio Navigator Program and Portfolio Stabilizer Funds” below).

Portfolio Navigator Program (PN Program) and Portfolio Stabilizer Funds

The Portfolio Navigator funds. We offer the following Portfolio Navigator funds:

1.	Variable Portfolio – Aggressive Portfolio
2.	Variable Portfolio – Moderately Aggressive Portfolio

40 RiverSource RAVA 4 Advantage / RAVA 4 Select / RAVA 4 Access Variable Annuity — Prospectus

3.	Variable Portfolio – Moderate Portfolio
4.	Variable Portfolio – Moderately Conservative Portfolio
5.	Variable Portfolio – Conservative Portfolio