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A new year is the perfect time for a fresh financial check-in. 📊 Reviewing your budget can help you understand where your money is going, identify opportunities to save, and plan intentionally for the year ahead. Small adjustments now can make a big difference over the next 12 months — and you don’t have to do it alone. When you're ready to connect, we’re here to help: https://connect.thrivent.com/birchcreek-associates#contact-form #StartTheYearStrong #FinancialWellness #BirchcreekAssociates #Budgeting #VadnaisHeightsMN See thrivent.com/social for disclosures

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A new year is the perfect time for a fresh financial check-in. 📊 Reviewing your budget can help you understand where your money is going, identify opportunities to save, and plan intentionally for the year ahead. Small adjustments now can make a big difference over the next 12 months — and you don’t have to do it alone. When you're ready to connect, we’re here to help: https://connect.thrivent.com/birchcreek-associates#contact-form #StartTheYearStrong #FinancialWellness #BirchcreekAssociates #Budgeting #VadnaisHeightsMN See thrivent.com/social for disclosures

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Meet Steven Tix, Associate at Birchcreek Associates. Steven supports our advisors and clients by helping keep plans organized, relationships strong, and goals moving forward. He plays an important role in helping to make sure every client experience is smooth, thoughtful, and personalized. We’re grateful for the care and dedication Steven brings to our team and our clients every day! #TeamSpotlight #BirchcreekAssociates #MeetTheTeam #VadnaisHeightsMN #FinancialPlanning See thrivent.com/social for disclosures

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Meet Steven Tix, Associate at Birchcreek Associates. Steven supports our advisors and clients by helping keep plans organized, relationships strong, and goals moving forward. He plays an important role in helping to make sure every client experience is smooth, thoughtful, and personalized. We’re grateful for the care and dedication Steven brings to our team and our clients every day! #TeamSpotlight #BirchcreekAssociates #MeetTheTeam #VadnaisHeightsMN #FinancialPlanning See thrivent.com/social for disclosures

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A new year is right around the corner — and we’d love to hear from you! 🎉 What financial goal are you working toward in 2026? Paying off debt? Building savings? Prepping for retirement? Growing generosity? Whatever it is, we’re here to help you create a plan you feel confident about. Share below! 👇 #FinancialGoals #NewYearPlanning #BirchcreekAssociates #VadnaisHeightsMN #FinancialWellness #Thrivent See thrivent.com/social for disclosures

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A new year is right around the corner — and we’d love to hear from you! 🎉 What financial goal are you working toward in 2026? Paying off debt? Building savings? Prepping for retirement? Growing generosity? Whatever it is, we’re here to help you create a plan you feel confident about. Share below! 👇 #FinancialGoals #NewYearPlanning #BirchcreekAssociates #VadnaisHeightsMN #FinancialWellness #Thrivent See thrivent.com/social for disclosures

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Retirement isn’t just a finish line — it’s a brand-new beginning. 🌤️ If you’re counting down the days, let’s make sure you’re stepping into this next season with clarity and confidence. From income strategies to healthcare considerations to lifestyle goals, we’ll help you prepare for what comes next. We’d love to walk this journey with you. https://connect.thrivent.com/birchcreek-associates/about#contact-form #RetirementReady #RetireWithConfidence #BirchcreekAssociates #VadnaisHeightsMN #FinancialPlanning #Thrivent See thrivent.com/social for disclosures

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Retirement isn’t just a finish line — it’s a brand-new beginning. 🌤️ If you’re counting down the days, let’s make sure you’re stepping into this next season with clarity and confidence. From income strategies to healthcare considerations to lifestyle goals, we’ll help you prepare for what comes next. We’d love to walk this journey with you. https://connect.thrivent.com/birchcreek-associates/about#contact-form #RetirementReady #RetireWithConfidence #BirchcreekAssociates #VadnaisHeightsMN #FinancialPlanning #Thrivent See thrivent.com/social for disclosures

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Retirement may feel far away — or right around the corner — but no matter your timeline, having a plan can make all the difference. 🌿 Whether you're catching up, staying on track, or stepping into retirement soon, our team is here to help you build a strategy that supports the future you envision. Let’s start the conversation today. https://connect.thrivent.com/birchcreek-associates/about#contact-form #RetirementPlanning #FutureFocused #BirchcreekAssociates #VadnaisHeightsMN #FinancialGuidance #Thrivent See thrivent.com/social for disclosures

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Retirement may feel far away — or right around the corner — but no matter your timeline, having a plan can make all the difference. 🌿 Whether you're catching up, staying on track, or stepping into retirement soon, our team is here to help you build a strategy that supports the future you envision. Let’s start the conversation today. https://connect.thrivent.com/birchcreek-associates/about#contact-form #RetirementPlanning #FutureFocused #BirchcreekAssociates #VadnaisHeightsMN #FinancialGuidance #Thrivent See thrivent.com/social for disclosures

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Meet Jennifer Tix, Financial Advisor at Birchcreek Associates! 🌟 With nearly 25 years in the industry and 15 years as a practicing advisor, Jennifer brings unmatched experience, insight, and heart to every client relationship. Inspired by her father’s 40-year Thrivent legacy, Jennifer leads with empathy and connection. Her passion? Helping women feel educated, empowered, and confident as they navigate their financial futures. Outside the office, her greatest joy is loving and caring for her tribe of 8 children. ♥️ We’re grateful to have Jennifer on our team! #TeamSpotlight #BirchcreekAssociates #WomenAndFinance #FinancialConfidence #VadnaisHeightsMN #Thrivent See thrivent.com/social for disclosures

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Meet Jennifer Tix, Financial Advisor at Birchcreek Associates! 🌟 With nearly 25 years in the industry and 15 years as a practicing advisor, Jennifer brings unmatched experience, insight, and heart to every client relationship. Inspired by her father’s 40-year Thrivent legacy, Jennifer leads with empathy and connection. Her passion? Helping women feel educated, empowered, and confident as they navigate their financial futures. Outside the office, her greatest joy is loving and caring for her tribe of 8 children. ♥️ We’re grateful to have Jennifer on our team! #TeamSpotlight #BirchcreekAssociates #WomenAndFinance #FinancialConfidence #VadnaisHeightsMN #Thrivent See thrivent.com/social for disclosures

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At Birchcreek Associates, we believe financial planning isn’t a one-time event — it’s an ongoing relationship. Dedicated planning means we help you create a financial plan that evolves with you — through career changes, retirement transitions, and everything in between. 🌿 We’ll work together to help you stay focused on what truly matters: your goals, your family, and your future. #DedicatedPlanning #BirchcreekAssociates #FinancialAdvice #RetirementPlanning #VadnaisHeights see thrivent.com/social for disclosures

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At Birchcreek Associates, we believe financial planning isn’t a one-time event — it’s an ongoing relationship. Dedicated planning means we help you create a financial plan that evolves with you — through career changes, retirement transitions, and everything in between. 🌿 We’ll work together to help you stay focused on what truly matters: your goals, your family, and your future. #DedicatedPlanning #BirchcreekAssociates #FinancialAdvice #RetirementPlanning #VadnaisHeights see thrivent.com/social for disclosures

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💬 Myth: “I don’t need a financial advisor unless I’m wealthy.” 💡 Truth: Financial advice is about helping you use what you have wisely, no matter your starting point. Everyone deserves guidance that helps them make smart decisions for their future — that’s what we’re here for. #FinancialPlanningForAll #BirchcreekAssociates #MoneyMyths #FinancialWellness #VadnaisHeightsMN see thrivent.com/social for disclosures

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💬 Myth: “I don’t need a financial advisor unless I’m wealthy.” 💡 Truth: Financial advice is about helping you use what you have wisely, no matter your starting point. Everyone deserves guidance that helps them make smart decisions for their future — that’s what we’re here for. #FinancialPlanningForAll #BirchcreekAssociates #MoneyMyths #FinancialWellness #VadnaisHeightsMN see thrivent.com/social for disclosures

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Everyone has a “financial personality.” Are you a Planner, a Spontaneous Spender, or a Steady Saver? 👀 Drop an emoji below that best fits you: 💼 = Planner 🛍️ = Spontaneous Spender 💰 = Steady Saver We love hearing how people approach their financial journey — no matter where you’re at, we’re here to help you make confident next steps! #BirchcreekAssociates #FinancialWellness #VadnaisHeightsMN #MoneyMindset #FinancialPlanning see thrivent.com/social for disclosures

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Everyone has a “financial personality.” Are you a Planner, a Spontaneous Spender, or a Steady Saver? 👀 Drop an emoji below that best fits you: 💼 = Planner 🛍️ = Spontaneous Spender 💰 = Steady Saver We love hearing how people approach their financial journey — no matter where you’re at, we’re here to help you make confident next steps! #BirchcreekAssociates #FinancialWellness #VadnaisHeightsMN #MoneyMindset #FinancialPlanning see thrivent.com/social for disclosures

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At Birchcreek Associates, we believe financial guidance should feel personal, purposeful, and rooted in what truly matters most to you. We’re a team of financial advisors and staff based in Vadnais Heights, Minnesota, dedicated to helping individuals, families, and retirees plan with confidence and live generously. From retirement strategies to legacy planning — and every milestone in between — we walk alongside you every step of the way. Our approach is simple: 🤝 Build lasting relationships 🌿 Create personalized financial strategies 💙 Help clients live with purpose and financial clarity If you’re ready to align your financial life with your values, we’d love to connect. 👉 Learn more about our team: https://connect.thrivent.com/birchcreek-associates #BirchcreekAssociates #VadnaisHeightsMN #FinancialPlanning #LiveGenerously #Thrivent #DedicatedPlanning #RetirementReady see thrivent.com/social for disclosures

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At Birchcreek Associates, we believe financial guidance should feel personal, purposeful, and rooted in what truly matters most to you. We’re a team of financial advisors and staff based in Vadnais Heights, Minnesota, dedicated to helping individuals, families, and retirees plan with confidence and live generously. From retirement strategies to legacy planning — and every milestone in between — we walk alongside you every step of the way. Our approach is simple: 🤝 Build lasting relationships 🌿 Create personalized financial strategies 💙 Help clients live with purpose and financial clarity If you’re ready to align your financial life with your values, we’d love to connect. 👉 Learn more about our team: https://connect.thrivent.com/birchcreek-associates #BirchcreekAssociates #VadnaisHeightsMN #FinancialPlanning #LiveGenerously #Thrivent #DedicatedPlanning #RetirementReady see thrivent.com/social for disclosures

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.

Not all team members may provide all products, programs and services in all states.

Not all team members may office at the locations listed.

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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