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Ascend National Wealth Advisors, Financial Advisors in Bellevue, WA | Thrivent

Ever notice how life’s biggest decisions often come with more questions than answers? Retirement, career shifts, even relocating—all tend to spark way more uncertainty than we expect. And this is how God works too, isn’t it? He didn’t tell Abraham the whole plan, he just said in Genesis 12, “Go from your land… to the land that I will show you.” What I’ve learned from working with clients (and from my own family) is that momentum builds from small actions, not waiting for total clarity. The best moves aren’t always perfect. Sometimes, picking a next step—booking a meeting, researching a community, or having a candid conversation—creates a ripple effect that opens up new options and confidence. It’s easy to feel stuck looking for “the right answer,” but progress usually means getting started, learning along the way, and adjusting as you go. If you’re in the middle of big changes, trust that imperfect action can be more powerful than perfect planning, and that God will be guiding the way. Reach out anytime if you want to talk through the next step—sometimes a sounding board is all it takes to move forward. . . . My team: thrivent.com/ascend Disclosures: thrivent.com/social

Thinking about leaving a meaningful legacy? It’s about more than just money or a will—it’s the values and impact you want to pass on. One principle we discuss with our clients is the wisdom principle: Never pass wealth without passing wisdom. Wisdom may create wealth but does not guarantee wisdom. Ecclesiastes 7: 11-12, “Wisdom, like an inheritance, is a good thing and benefits those who see the sun. Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: Wisdom preserves those who have it.” Here’s how to get intentional: → Share your “why.” Talk with loved ones about what matters most to you (charity, faith, education, or traditions). → Put plans in writing. A simple update to your will or beneficiary forms keeps things clear and prevents confusion later. → Involve your family. Invite them into decisions—maybe a family volunteer day or choosing a cause together. Meaningful legacies don’t happen by accident—they’re built on small, intentional steps today. What’s one value you hope to pass on? . . . My team: thrivent.com/ascend Disclosures: thrivent.com/social

Ever wonder why retirement planning feels tough, even when you’re almost there? It’s more than numbers—our brains tend to freeze up when things feel uncertain, and we don’t know our next steps. In my experience watching clients retire, it is far more important to be “running to something” instead of “running away from something.” What is God calling you to next? Here’s what gets in the way: → Ambiguity: Not knowing exact costs or where to start makes us delay. → Status quo bias: Sticking with what’s familiar (and not updating old plans). → Future discounting: It’s easy to put off retirement prep for “later.” Quick ways to make progress: → Tackle one task—like updating beneficiaries or reviewing Social Security. → Test-drive your retirement budget for a month. → Picture your ideal retirement—it makes planning real. Small steps pay off. What’s one action you’re taking for your next chapter? . . . My team: thrivent.com/ascend Disclosures: thrivent.com/social

Tanner and his wife Kenya spent their vacation last month ASCENDing Mount Kilimanjaro. Take a look at some moments from their incredible journey!

If you run a business, you know firsthand how unpredictable things can feel lately—tariffs shifting, consumer habits evolving, even supply chains get weird. I’m connecting with a lot of owners who wonder if now’s the time to invest, hire, or just hold steady. What I keep coming back to is this: Clarity on your long-term vision matters most. The headlines will keep changing, but your business’s purpose, values, and next milestones are the compass. Staying nimble is key—but don’t let uncertainty freeze you up. Sometimes a good plan means adjusting course, not abandoning it. If you need help thinking through your next steps, I’m here to talk strategy (not just spreadsheets). - Learn more: thrivent.com/ascend Disclosures: thrivent.com/social

"What Your Business is Worth" - a Business Valuation Workshop

We have a few spots left for What Your Business is Worth | A Business Valuation Workshop, happening Sep 9th at 6:00PM in Charleston. This hands-on session with Tim Lukasik breaks down the basics and benefits of business valuation—giving you essential insights to help you plan and succeed. Enjoy food, meet other entrepreneurs, and walk away with actionable steps for your business journey. Attendance is FREE and open to all business owners—register while spots last! https://www.eventbrite.com/e/what-your-business-is-worth-a-business-valuation-workshop-tickets-1537282847379?aff=LinkedIn - No products will be sold. Learn more: thrivent.com/ascend Disclosures: thrivent.com/social #Charleston #EntrepreneurGoals #LowcountryBusiness #BusinessGrowth #ValuationWorkshop #Networking

Thank you to everyone who joined us for our Pitch for a Purpose event at the Rainiers game! ⚾ Last week was extra meaningful for our team — for the first time, team members from across the nation gathered together here in Washington for our retreat. Ending the week by cheering on the Rainiers together with clients, friends, and colleagues was the perfect way to cap off the trip. A special thank you to Tracey from Tacoma/Pierce County Habitat for Humanity for joining us and sharing about the incredible work their organization is doing to build strength, stability, and self-reliance through shelter. 🏡 We are proud to share that, through the generosity of our community, Thrivent’s 2-to-1 match, and donor advised funds, we raised $4,077 in support of Tacoma/Pierce County Habitat for Humanity! Here’s to more good times, good people, and good causes.💙

Ascend National Wealth Advisors, Financial Advisors in Bellevue, WA | Thrivent

I hear it a lot these days—there are a lot of ways to get business funding, and it’s tough to know what will actually fit your needs. Here’s what I tell clients: • Bank loans aren’t your only choice. Business credit cards, lines of credit, crowdfunding, and microloans give you options for every stage. • Need flexibility? Credit cards and lines of credit let you cover seasonal dips or unexpected expenses without jumping through too many hoops. • Launching something new? Crowdfunding or equipment leasing can help you get started without draining cash reserves. • Special programs like SBA and microloans are out there, especially for minority and veteran owners, with lower barriers and more support. Bottom line: Don’t settle for one-size-fits-all financing. Matching your funding approach to your real needs is what keeps you growing (and staying stress-free). If sorting through your options feels confusing, just reach out—I’m happy to help make it simpler. - Learn more: thrivent.com/ascend Disclosures: thrivent.com/social

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.

"What Your Business is Worth" - a Business Valuation Workshop

Curious about what your business is truly worth? Join us for an engaging and interactive workshop on business valuation—Tuesday, Sep 9th, 6:00PM at James Island Christian Church. Why attend? ☑️ Learn how valuation impacts your business planning ☑️ Gain clarity on aligning business decisions with your personal goals ☑️ Network with other inspiring local business owners This is a FREE, relaxed event—no products, no pitches, just valuable knowledge and good conversation. Spaces are limited, so secure your spot now! https://www.eventbrite.com/e/what-your-business-is-worth-a-business-valuation-workshop-tickets-1537282847379?aff=LinkedIn - No products will be sold. Learn more: thrivent.com/ascend Disclosures: thrivent.com/social #BusinessWorth #EntrepreneurGoals #LowcountryBusiness #Charleston #ValuationWorkshop #Networking

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"What Your Business is Worth" - a Business Valuation Workshop

Unlock the true value behind your business! I’m excited to co-host "What Your Business is Worth | A Business Valuation Workshop" on Tuesday, Sep 9th, at James Island Christian Church, Charleston, SC. This FREE, no-obligation session is designed for business owners who want clear answers about business valuation and its impact on planning for the future. Led by expert Tim Lukasik, we’ll cover practical strategies and actionable insights—plus enjoy sandwiches and light refreshments in a relaxed setting. Ready to understand your business’s worth and connect with fellow entrepreneurs? 👉 Space is limited—reserve your spot today! https://www.eventbrite.com/e/what-your-business-is-worth-a-business-valuation-workshop-tickets-1537282847379?aff=LinkedIn - No products will be sold. Learn more: thrivent.com/ascend Disclosures: thrivent.com/social #BusinessWorth #EntrepreneurGoals #LowcountryBusiness #BusinessGrowth #ValuationWorkshop #Charleston

I’ve been reflecting lately on how most financial advice out there is all about budgets, investing, or the next hot market move. But as a Christian, I keep coming back to a bigger question: How does God actually want me to handle money? For me, the Bible doesn’t just offer spiritual comfort—it’s full of timeless, practical wisdom about money. It’s easy to forget, but everything I have is ultimately God’s, not mine (Psalm 24:1). That takes a lot of pressure off my shoulders and changes how I make decisions. It’s not just about building up more, but about being a good steward of what I’ve been given. There are so many verses that hit home for me: • Planning ahead: “The plans of the diligent lead to profit…” (Proverbs 21:5) • Staying out of unhealthy debt: “The borrower is slave to the lender.” (Proverbs 22:7) • Finding real contentment: “Godliness with contentment is great gain.” (1 Timothy 6:6) • And giving—making generosity a regular, intentional habit (Malachi 3:10, Matthew 6:33). When I let my faith shape my finances, it goes way beyond dollars and cents. It reminds me to manage money as a steward, set goals thoughtfully, practice generosity, and find joy in what God’s already provided—not just chase what’s next. If you’ve been thinking about how your faith should fit into your financial plan, I’d love to connect. Sometimes a conversation can make all the difference in figuring out next steps. . . . Learn more: thrivent.com/ascend Disclosures: thrivent.com/social

Welcome! You are invited to join a webinar: Will Your Taxes Affect Your Retirement?. After registering, you will receive a confirmation email about joining the webinar.

Taxes might be one of the most significant ongoing expenses in retirement—are you prepared? I’m hosting a live session this month to help you understand: 💸 How your investments will be taxed when you retire 🏦 Proven strategies to keep more of your hard-earned money 🚀 Tactics to work towards a lower tax bracket in retirement Join us for one of these complimentary, no-pressure webinar sessions: – Wed, Aug 13, 2025, 12:00 PM PT – Thu, Aug 14, 2025, 5:30 PM PT https://us02web.zoom.us/webinar/register/9417527874034/WN_TGG-lCDIR7u6JU3tijIR2w - Learn more about our team: thrivent.com/ascend Disclosures: No products will be sold. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.

Most of us were raised to think finances are private, maybe even a bit uncomfortable to discuss. But I’ve come to realize those conversations are where real growth happens—for our families and ourselves. I’ve seen it play out plenty of times: Maybe it’s talking to aging parents about their plans for the future (never an easy topic). Or sitting down with your spouse to set some real goals instead of just handling bills as they pop up. Sometimes it’s even about making sure kids understand money’s value without making it a source of stress. What I’m picking up is that these talks are rarely just about dollars and cents. They’re really about what we value, what we dream about, and how we can work together. Starting the conversation can honestly feel vulnerable—but over time, it can build more trust and understanding. Here are a couple of things that help me (and the folks I work with): • Pick a relaxed time—no distractions, no pressure. • Stay curious—ask questions, listen more than you talk. • Remember: It’s normal to have different perspectives. The goal isn’t to “win,” it’s to understand each other. I don’t have all the answers, but I do know having these conversations—awkward as they can be—pays off way more than avoiding them. If you’ve ever put off a money chat with someone important to you, maybe now’s a good time to try. You might be surprised by what comes out of it. If you want to bounce some ideas around or need a place to start, I’m always up for a conversation. - Learn more: thrivent.com/ascend Disclosures: thrivent.com/social

Mortgage rates are climbing, credit card APRs are at multi-year highs, and the cost of borrowing keeps increasing—so what does this all mean when it comes to your financial decisions? This fall: • Average 30-year mortgage rates have moved above 7.2% for the first time since 2000. • Credit card interest rates have topped 20% APR, with household balances reaching new highs. • While savings accounts now offer over 4.5% annual yield, that boost comes with challenges for borrowers. Here’s what matters: • Reacting emotionally—pausing investments or taking on new debt without a solid plan—can jeopardize long-term goals. • True financial advice means considering your full financial picture: housing, debt, savings, and investments—not just the latest rate headline. Takeaway: Your path to financial success requires more than “wait and see” or chasing the latest trend. Ready to make the most of today’s rates and keep your goals on track? Let’s build a plan that works for you in every rate environment. . . . My team: thrivent.com/ascend Disclosures: thrivent.com/social Sources: Federal Reserve Economic Data, Bankrate, WSJ, Freddie Mac.

“I’m considering selling our family home and downsizing—will this really improve our financial picture?” This is one of the most common questions we’re hearing from clients in today’s housing market. With property values high and lifestyle needs changing after 50, moving to a smaller home—or relocating to a lower-cost area—can appear tempting. But is it the right move for your unique situation? Here’s what we’re discussing with clients right now: → Potential Windfall: Selling at today’s prices might provide a significant cash boost. For 2025, couples can exclude up to $500,000 of home sale gains from capital gains tax if they meet IRS requirements. → Hidden Costs of Moving: Factor in real estate agent fees (typically 5-6%), moving costs, upgrades needed to sell the home, and potential HOA fees in a new location. → Lifestyle & Community: Think beyond the numbers. Are you ready for a new neighborhood, or would you miss local ties and amenities? Consider how a move would affect your daily routines and relationships. → Future Flexibility: Downsizing can free up assets for travel or legacy goals, but it could also impact your ability to host family or age in place comfortably. Key Questions to Ask Yourself: ❓ What will my net proceeds be after accounting for all selling and buying costs? ❓ How will a smaller home impact my ongoing housing, maintenance, and healthcare needs? ❓ Am I emotionally ready to leave this chapter—and what am I most looking for in the next? For many, downsizing is about more than just dollars—it’s a lifestyle decision that should support your goals, values, and financial peace of mind. Want to talk through whether it’s a smart time to downsize, or run the numbers for your own scenario? Let’s connect about your best next steps. . . My team: thrivent.com/ascend Disclosures: thrivent.com/social IRS, Exclusion of Gain from Sale of Principal Residence, 2025.

“Is it risky to keep too much cash in retirement?” This is a question I hear often from retirees who want to feel secure—but also want their money working for them. Here’s how we break it down: → Safety vs. Growth: Keeping extra cash can help you sleep at night, but over time, inflation can quietly erode its value. → The Right Balance: We typically recommend enough cash to cover 6–12 months of living expenses and upcoming big purchases. The rest can be invested for growth or income. → Your Comfort Zone: Some clients feel best with a bigger cushion, while others prefer to put more to work in the market. Your plan should reflect your unique needs and peace of mind. The goal? Security today, growth for tomorrow. Not sure if your cash strategy is on track? Connect with us: thrivent.com/ascend Disclosures: thrivent.com/social

Ascend National Wealth Advisors, Financial Advisors in Bellevue, WA | Thrivent

“How can I make my charitable giving go further in retirement?” This is a question I love helping clients explore—because generosity can be one of the most meaningful parts of your next chapter. With Thrivent, you have access to a suite of charitable tools and programs designed to amplify your impact: → Thrivent Charitable Impact & Investing®️: Set up a donor-advised fund, endowment, or charitable trust to support the causes that matter most to you, with expert guidance every step of the way. → Thrivent Choice®️: Direct Choice Dollars or make personal donations to over 45,000 nonprofits—Thrivent pays the processing fees, so your gift goes further. → Thrivent Action Teams: Lead a volunteer project or fundraiser in your community—Thrivent provides seed money and resources to help you make a difference. → Thrivent Cause Kits: Bring friends or family together for a hands-on service project, right from home. Whether you want to support your church, fund scholarships, or respond to urgent needs, we can build a giving plan that reflects your values and fits your financial picture. Let’s talk about how you can leave a legacy of generosity. Connect with us: thrivent.com/ascend Disclosures: thrivent.com/social

“Should I start taking Social Security at 62 or wait?” This is one of the most common questions I get from clients approaching retirement. Here’s what we look at together: → Monthly Benefit: Claiming at 62 means smaller checks for life, while waiting increases your benefit each year up to age 70. → Longevity & Health: If you expect a longer retirement, waiting can pay off. If you need income sooner, starting earlier may make sense. → Other Income Sources: Do you have pensions, savings, or part-time work to bridge the gap if you wait? There’s no universal answer—just the one that fits your goals, health, and lifestyle. Curious which strategy is right for you? Connect with us: thrivent.com/ascend Disclosures: thrivent.com/social