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Insights

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

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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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A lot of people have heard of how powerful Roth Conversions can be. The tax savings on a Roth Conversion strategy may be significant. But there's a difference in just being aware of of the concept and executing a Roth Conversion Strategy. Here's what a Roth Conversion Strategy entails 👇 ☕ Tax Brackets ↳ Deciding which tax bracket to strategically "fill up." 👨‍💻 Calculating Room ↳ Using tax planning software to precisely calculate "room" within the desired tax bracket for conversion. 🏥 Medicare Impact ↳ Understanding and navigating the impact on Medicare premiums if over 65. 💸 Pay the taxes ↳ Identifying sources of liquidity to cover the taxes out of pocket. 🚫 Offsetting the taxes ↳ Finding credits & deductions strategies to offset tax burden of Roth Conversions. 🪣 How much is too much? ↳ Determining the optimal balance to leave in the pre-tax bucket. 📉 Market considerations ↳ Capitalizing on market drawdowns by accelerating conversions at opportune times. 🏛️ Tax Law Considerations ↳ Adjusting the strategy as tax laws change. 🧍‍♂️ MFJ → Single ↳ Adjusting the strategy when the household goes from married to single. 💸 RMDs ↳ Adjusting conversion amounts as RMDs come into play. 👨‍👩‍👧‍👦 Estate considerations ↳ Leaving pre-tax assets to lower income beneficiaries and Roth assets to higher income beneficiaries. Disclosures: Thrivent .com/social Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules.

A lot of people have heard of how powerful Roth Conversions can be. The tax savings on a Roth Conversion strategy may be significant. But there's a difference in just being aware of of the concept and executing a Roth Conversion Strategy. Here's what a Roth Conversion Strategy entails 👇 ☕ Tax Brackets ↳ Deciding which tax bracket to strategically "fill up." 👨‍💻 Calculating Room ↳ Using tax planning software to precisely calculate "room" within the desired tax bracket for conversion. 🏥 Medicare Impact ↳ Understanding and navigating the impact on Medicare premiums if over 65. 💸 Pay the taxes ↳ Identifying sources of liquidity to cover the taxes out of pocket. 🚫 Offsetting the taxes ↳ Finding credits & deductions strategies to offset tax burden of Roth Conversions. 🪣 How much is too much? ↳ Determining the optimal balance to leave in the pre-tax bucket. 📉 Market considerations ↳ Capitalizing on market drawdowns by accelerating conversions at opportune times. 🏛️ Tax Law Considerations ↳ Adjusting the strategy as tax laws change. 🧍‍♂️ MFJ → Single ↳ Adjusting the strategy when the household goes from married to single. 💸 RMDs ↳ Adjusting conversion amounts as RMDs come into play. 👨‍👩‍👧‍👦 Estate considerations ↳ Leaving pre-tax assets to lower income beneficiaries and Roth assets to higher income beneficiaries. Disclosures: Thrivent .com/social Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules.

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Investing in volatile markets: Smart strategies for confident investing

Market volatility is a natural part of investing, which means risk and reward go hand in hand as markets rise and fall. Here are 7 ways to deal with a volatile stock market.

Markets can be unpredictable, with ups and downs that can make even the most seasoned investors uneasy. But the good news? You don’t have to let market swings...

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In this quarter’s Thrivent Market & Economic Update, our investment leaders discuss market and economic trends, including inflation, interest rates, tariffs and the potential safe haven municipal bonds can provide. Learn more: https://bit.ly/3GkXbYa

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In this quarter’s Thrivent Market & Economic Update, our investment leaders discuss market and economic trends, including inflation, interest rates, tariffs and the potential safe haven municipal bonds can provide. Learn more: https://bit.ly/3GkXbYa

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2nd Quarter 2025 Market Outlook: Uncertainty strikes back

Market volatility rose in Q1 2025 amid heightened uncertainty around trade policy, immigration, government layoffs, and shifting geopolitical dynamics. Thrivent remains focused on long-term fundamentals as we head into Q2.

Market volatility and uncertainty are expected to continue, raising the odds for a recession.

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Happy Easter to you and your family! Hope your day is filled with celebration and special moments.

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Happy Easter to you and your family! Hope your day is filled with celebration and special moments.

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How a term-to-permanent life insurance contract conversion works

Life changes—your life insurance can, too. Discover how converting a term policy to permanent coverage can offer lifelong protection.​

Considering extending your life insurance coverage? Converting your term policy to a permanent one can offer lifelong protection and potential cash value...

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Thrivent wins LSEG Lipper Fund Awards United States 2025

Congratulations to Thrivent Asset Management for being named a LSEG Lipper Fund Awards United States 2025 winner for Thrivent Small Cap Stock Fund.

Thrivent Asset Management has been honored as a LSEG Lipper Fund Awards United States 2025 Winner for Thrivent Small Cap Stock Fund.

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The Washington Update How does what's happening in Washington affect your bottom line? During The Washington Update, get non-partisan analysis from expert Jeff Bush. His insights give perspective to the changing landscape in the nation's capital and its impact on taxes, investments, and retirement planning. This non-partisan analysis of current events in Washington offers insights that could influence investing and retirement planning decisions. Register here https://bit.ly/The_Washington_Update No products will be sold. Speaker is not affiliated with Thrivent. Views are their own. For additional disclosures see thrivent.com/social. 6002725.1

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The Washington Update How does what's happening in Washington affect your bottom line? During The Washington Update, get non-partisan analysis from expert Jeff Bush. His insights give perspective to the changing landscape in the nation's capital and its impact on taxes, investments, and retirement planning. This non-partisan analysis of current events in Washington offers insights that could influence investing and retirement planning decisions. Register here https://bit.ly/The_Washington_Update No products will be sold. Speaker is not affiliated with Thrivent. Views are their own. For additional disclosures see thrivent.com/social. 6002725.1

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Social Security Fairness Act: How the WEP & GPO repeal may affect your benefits

Earlier this year, the Social Security Fairness Act was signed into law. If you or a loved one has ever worked in the public sector, the SSFA may impact retirement income and prompt you to consider some strategy adjustments. Take a look at this resource for more information. If you’d like to discuss how this act may impact your retirement plans, let’s set up a meeting.

Are you eligible for Social Security Fairness Act Benefits? Find out how the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) repeal...

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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