What does financial confidence look like?
It looks like knowing where you stand.
It looks like having a plan for where you’re going.
And it looks like feeling prepared for the unexpected—not overwhelmed by it.
So, consider this your invitation.
An invitation to invite more clarity, confidence, wellness, and security into your financial life.
Because financial planning isn’t just about numbers. It’s about creating a life where you feel confident about what’s next.
If you’re ready to make that feeling part of your financial future, you’re in the right place.
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Before the year gets away from you, take a moment to check in on these four areas of your financial life. 👇
1️⃣ Emergency fund
Life has a way of bringing unexpected expenses. Take a look at your current emergency savings and decide whether it still provides the cushion you need. If it’s not where you’d like it to be, set a specific savings target and work toward it consistently.
2️⃣ Retirement contributions
When was the last time you reviewed your contribution rate? If your income or financial situation has changed, consider whether you can increase the amount you’re putting toward retirement—even a small increase can add up over time.
3️⃣ Monthly budget
Your budget should reflect your current life, not the version of your life from six months ago. Review your income, recurring expenses, discretionary spending, debt payments, and savings goals. Look for areas where your money could better support your priorities.
4️⃣ Holiday savings
Instead of waiting for holiday expenses to arrive, decide now how much you realistically want to spend. Then break that amount into smaller savings goals between now and the holidays. A little planning now can help you enjoy the season without creating unnecessary financial stress later.
5️⃣ Get financial advice
You don’t have to do it all at once.
Pick one goal.
Take one step.
Start today.
✨ You don’t need to completely overhaul your finances before December 31. Choose one area to improve and take the first step.
Save this post for your year-end financial check-in.
What’s the one you’re tackling first? 👇
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Financial progress isn’t always measured by a number in your bank account. Sometimes it’s about habits you’re building every day- this is where having an educated financial planner comes in. See thrivent.com/social for important disclosure information.
Interest rates are shifting. Understanding the purpose and timeline of your cash can help you decide whether and how to invest it for optimal returns. Ask yourself two questions. ⬇️
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The cost of cash: Where to invest when interest rates shiftWhether you’re saving for something big, looking to generate a steady income, or seeking flexible access to your cash, there are smart ways to keep your money productive and there for you when you need it—regardless of shifting interest rates.
Explore your options below and let’s connect to keep your goals on track as interest rates change.
Sequence of returns risk: What it means for your retirementThe market can shift at any time, and big drops early in retirement could affect your savings. The right approach can help keep your savings resilient. Check out this article, then reach out to talk through ways to help protect your savings.👇
Help your money last in retirementA long life is a gift—let’s help make sure your finances can keep up. Start by building financial resilience against inflation, market swings, and rising health and care costs.
Preparing for financial surprises doesn't have to be complicated. Proactive planning can help you stay ahead of market swings and other risks that can impact your financial plan. Learn more about strategies to set you up for long-term success: https://bit.ly/4m32xHO
5 financial risks (and how to adapt your financial plan)Are you prepared for financial changes? With proactive planning and flexible strategies, you can manage risks and habits that could impact your financial plan. Learn more about protecting your finances from what-ifs. ⬇️
Is early retirement right for you?Curious how you can start your retirement sooner? Depending on your current income and expenses, it's possible. Here are things to keep in mind when considering if early retirement is right for you. ⬇️
Enjoy retirement income without the guessworkYou've spent years building your retirement nest egg—now let's make it work for you. Let's discuss how to turn your savings into steady, reliable income that lasts.
Managing risks to your retirement savings doesn't have to be complicated. You can maximize your guaranteed income sources, prepare for market volatility and have a mindful withdrawal plan. Here are important things to consider: https://bit.ly/4idtvKz
If you'd like to discuss your unique retirement risk factors, let's set up a meeting.
How to invest for retirement: Account types & strategic movesInvesting for retirement takes planning, but it doesn't have to be complex. Once you know your retirement goals and investment style, you can make a solid, long-term plan for retirement. Let's connect to talk more about this important topic.
Retirement savings by age: How much should you have?Planning for retirement can seem like a long and complex journey. Knowing how much to save is a foundational piece of achieving your retirement goals—check out these planning milestones based on your age.
2024 IRA contribution deadline: There's still time to maximize your savingsIt may be 2025, but you still have time to maximize your savings for the 2024 tax year. Explore how contributing to an IRA can help boost your retirement savings and find answers to the most common IRA questions.
5 ways to improve your credit scoreWhen securing financing for a large purchase, such as a new home, it helps to have a good credit score. Check out these 5 ways to improve your credit score before you make your next purchase. ⬇️
Life insuranceWho do you want to provide for today and tomorrow? Having the right amount of coverage and type of life insurance for your situation can make all the difference, when the unexpected happens.
Learn more about Thrivent’s insurance solutions. ⬇️
Preparing for the what-ifs in lifeWondering how working with a financial advisor can help you? Learn how clients, Patrick and Shannon, were able to plan for the future and align their financial decisions with their values.
As you plan and save for retirement, deciding when you’ll take Social Security is one of the most important financial decisions you’ll make. Here are a number of factors to consider before deciding: https://bit.ly/3Ytb2RM
Let’s discuss what approach is right for you.
Living within your means: What it is & how to do itTrying to get your finances on track? Learn more about healthy financial habits you can start doing today to avoid overspending and live within your means. ⬇️
