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Insights

I've got valuable information and resources to share. Explore away! And check back often.

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As the year starts to wrap up, check in with your career goals! 💼 If you’re looking to make a change, consider the Thrivent financial advisor career, which offers unlimited earning potential, industry leading benefits and support to help you thrive: thriventcareers.com/3C6gSB5

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As the year starts to wrap up, check in with your career goals! 💼 If you’re looking to make a change, consider the Thrivent financial advisor career, which offers unlimited earning potential, industry leading benefits and support to help you thrive: thriventcareers.com/3C6gSB5

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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A Lifetime Gift with Shelly Halverson What no one wants to discuss could be the best present ever. We plan for weddings, college, vacation and retirement. Why is it so hard to plan for death? A Lifetime Gift is for anyone who wants tools to help you talk to loved ones and prepare. Certified Celebrant Shelly Halverson offers conversation starters and a practical checklist with encouraging instructions. Tuesday, October 7, 2025 6:30 p.m. Little Zion Lutheran Church 267 Morwood Road Telford PA Registration deadline is September 22nd to ensure you receive a workbook. Refreshments will be served. RSVP with this link: https://www.eventbrite.com/e/shelly-halverson-a-lifetime-gift-watch-party-at-little-zion-church-tickets-1640180587289?aff=Amanda No products will be sold. Shelly Halverson is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Shelly Halverson are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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A Lifetime Gift with Shelly Halverson What no one wants to discuss could be the best present ever. We plan for weddings, college, vacation and retirement. Why is it so hard to plan for death? A Lifetime Gift is for anyone who wants tools to help you talk to loved ones and prepare. Certified Celebrant Shelly Halverson offers conversation starters and a practical checklist with encouraging instructions. Tuesday, October 7, 2025 6:30 p.m. Little Zion Lutheran Church 267 Morwood Road Telford PA Registration deadline is September 22nd to ensure you receive a workbook. Refreshments will be served. RSVP with this link: https://www.eventbrite.com/e/shelly-halverson-a-lifetime-gift-watch-party-at-little-zion-church-tickets-1640180587289?aff=Amanda No products will be sold. Shelly Halverson is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Shelly Halverson are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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How to invest during a market downturn

Choosing what to invest in during a market downturn depends on a few factors, such as your financial goals, time horizon and risk tolerance. This resource provides investment opportunities for your consideration, so you can make thoughtful decisions about how you want to invest. Let’s connect if you’d like to discuss what changes you can make to your investment portfolio to help hedge against risk and position you to reach your long-term goals.

Recessions are an inevitable part of the economic cycle, but they also present potential investment opportunities. Discover tips and strategies for investing...

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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Any time your life changes, your financial plan deserves a fresh look. Here are different life events that may trigger a need to update your life insurance coverage: https://bit.ly/47koSvA

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Any time your life changes, your financial plan deserves a fresh look. Here are different life events that may trigger a need to update your life insurance coverage: https://bit.ly/47koSvA

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Life insurance checkup

Does your life insurance still fit your life? A lot can change over time. Here’s when to consider a review and what it could uncover. ⬇️

A life insurance checkup helps you make sure your coverage continues to protect the people and promises that are important to you. Evaluate your coverage.

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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Savvy Social Security 6:30PM Sept. 15th at Calvary Church: 820 Route 113, Souderton, PA 18964 It's all about the when. Social Security is a vital income source—but timing is everything. When should I file for Social Security benefits? If I file and I continue to work, how will my benefits be affected? Will I pay taxes on my Social Security benefits? When it comes to Social Security and your retirement, a little knowledge can go a long way. Join us for this in person workshop, Savvy Social Security. During this presentation you will learn how to determine the ideal time to apply and ways to maximize your Social Security benefits while minimizing taxes on those benefits. Careful planning can help you get the most of your Social Security. Presented by Bridgit Holly, Financial Consultant and hosted by Herald Financial Group: Anthony Spangler, Brook Williams, Amanda Schulenberg, Rebecca Wise, Bridgit Holly, Ryan Rapp, Cheryl Berry, and Kay DeMito No products will be sold at this event. For additional disclosures, see Thrivent.com/social. No products will be sold. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Thrivent.com/disclosures. RSVP: Call 215-361-2810 or email Cheryl.berry@thrivent.com

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August 2025 Market Update: Stocks set new highs, despite concerns

In the latest market update, Thrivent Asset Management experts discuss concerns about some data, while stocks continue to set new highs.

Market volatility continues, and we anticipate growth to slow.

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Investing for retirement can feel overwhelming. No matter where you are on your journey, the key is to be consistent and stick with it. A strong retirement investment strategy includes:​ ✔️ Portfolio diversification​ ✔️ Understanding your risk tolerance and adjusting over time​ ✔️ Investing in tax-advantaged accounts like IRAs and 401(k)s​ Learn more about investing for retirement: https://bit.ly/4iYmfCX

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Investing for retirement can feel overwhelming. No matter where you are on your journey, the key is to be consistent and stick with it. A strong retirement investment strategy includes:​ ✔️ Portfolio diversification​ ✔️ Understanding your risk tolerance and adjusting over time​ ✔️ Investing in tax-advantaged accounts like IRAs and 401(k)s​ Learn more about investing for retirement: https://bit.ly/4iYmfCX

Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. thrivent.com/privacy-and-security/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.

Designations

For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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