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Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersLeaving a legacy is about more than just money or a will—it’s the values and impact you want to pass on.
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A conversation I like to have with my clients is the wisdom principle:
Never pass wealth without passing wisdom.
Wisdom may create wealth, but it does not guarantee wisdom.
Here’s how to get intentional:
- 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?
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Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersThere comes a time when you graduate Dave Ramsey.
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When you know how to save & you’re living debt-free, how do you know what’s next?
The Every Dollar Budget isn’t what you need.
Paying down your mortgage isn’t your answer.
YOU NEED A NEW SET OF RULES AND PLANS.
The biggest thing is shifting your mindset around money.
Without a clear and abundant vision for the future—and a new enemy (taxes)—it’s just spinning our wheels.
Here’s a start:
>Shift from scarcity to abundance<
>Dream of the vision you have for your family<
>Reverse engineer goals with savings rates<
>Pick the tools to help you get there<
>Your new enemy is TAXES<
>Create an estate plan<
Life is about more than tackling debt and pinching pennies.
If you’re ready to take a step beyond that, let’s talk.
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Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersDo you regularly donate to a local church, nonprofit, or charity?
If so, this post is for YOU!
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Here are some ways to maximize a donor-advised fund 👇
1️⃣ Give appreciated securities
→ Give shares held for > 1 year in a brokerage account that are in the green to eliminate the capital gains tax liability.
2️⃣ Stop giving money out of pocket
→ Drain the donor-advised fund on purpose.
3️⃣ Invest the DAF & the difference
→ Invest the money inside of the Donor-Advised Fund AND invest what would have been given monthly into a taxable brokerage account.
4️⃣ Refill when empty
→ Give more shares from taxable brokerage account once the DAF is depleted.
5️⃣ Fund it in a high tax year
→ To offset taxes when selling a business, performing a Roth conversion or during an outlier income year.
6️⃣ Go Big or Go Home
→ Fund as many years as possible while still maintaining liquidity, because gifts are irrevocable.
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This post is meant to be educational, not to be a recommendation. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.
Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersHelping you carry what matters most.
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My daughter (3 years old at the time) looked at my Thrivent shirt and said, “it’s people helping the heart.”
That blew my mind....
She interpreted the message of a corporate marketing design without even knowing what she was really saying.
I realized she was absolutely right. That is exactly what I do as a financial advisor.
I come alongside my clients and help them carry what they hold most dear. Yes, it involves money; but I mean what really drives them: their hopes, dreams, families, businesses, generosity, retirement, grandkids, etc. I help individuals carry what is in their hearts.
If you want to know what that could look like for you, let’s talk.
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I saw this recommendation recently and wanted to get your thoughts:
50/30/20 budget:
50% Needs:
-Housing
-Utilities
-Insurance
-Groceries
-Healthcare
-Transportation
-Personal Care
30% Wants:
-Amusement
-Shopping
-Dining Out
-Subscriptions
20% Savings:
-Retirement
-Emergencies
-Investing
-Debt Pay-off
I’m interested to hear your thoughts.
What’s missing? What would you add? Anything you would remove?
Please don’t take this post as a suggestion. Budgets are personal. Be sure to talk with your advisor before locking in your percentages.
If you don’t have an advisor or want a second opinion, let’s talk.
Disclosures
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Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersHow to Grow Wealth: A Biblical Perspective
As a financial advisor at Thrivent, I often emphasize the power of discipline over time. Not only is this a simple yet profound concept that can significantly impact your financial future, but it is also a Biblical principle that we see throughout the Scriptures.
The Bible speaks to the wisdom of prudent financial management in many places. One place it is mentioned is Proverbs 13:11 which says, "Dishonest money dwindles away, but whoever gathers money little by little makes it grow." This points to steady, consistent growth over time.
Practical Steps:
Start Early: The sooner you invest, the more time your money has to grow.
Be Consistent: Regular contributions can lead to substantial growth.
Stay Patient: Compound interest rewards those who stay the course.
Let's connect and discuss how you can harness the power of consistent discipline + compound interest to secure your financial future, guided by timeless biblical principles.
#FinancialPlanning #BiblicalWisdom #ThriventFinancial #WealthManagement
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Portfolio diversification: Importance, benefits & how to startIs your portfolio diversified? Having a mix of investments can help you manage risk, reduce volatility and build a reliable foundation for your long-term financial goals. Here are 4 primary components to help you diversify. ⬇️
Three weeks. Three events. Three very different audiences.
Girl dads. Teachers. Professionals from all walks of life.
The topics changed slightly, but the goal stayed the same: helping people better understand their finances through conversations about the Financial House, tax-efficient planning, and the Five Phases of an IRA.
Because good financial principles can benefit anyone.
#Thrivent #FinancialEducation #RetirementPlanning #TaxEfficiency
For educational purposes only. Consultation with a tax or legal professional is recommended for individual guidance.
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7 ways to help reduce your taxable incomeSeeing your hard-earned money go towards taxes can be frustrating. However, there are ways you can help reduce your tax burdens and become more tax efficient. ⬇️
Thrivent Social Media Privacy Policy, Guidelines, Disclosures & DisclaimersHere are some recent client questions I've received the last few weeks:
- I heard life insurance could help me leave less of a tax burden to my children when I pass and be a good idea when it’s time to take my RMDs. Can you tell me more about that?
- Should I replace this annuity with a different one?
- Can this annuity help me pay for my upcoming move and house near the beach?
- How can we start saving? We are both bad at it.
- My pension with cover our necessary income. How do I navigate these other two lump sums I will receive when I retire?
- How should we handle this inheritance? Should we pay off debt, or invest it?
All of these questions deserve individual attention, and the answers are specific to your situation. If you don’t have someone helping you navigate these or similar topics, let’s talk.
https://calendly.com/dustin-allen-thrivent/thrivent-connect-meeting
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What an incredible night we had last Friday at our first ever “Pints and Ponys” event at Armor Brewing!
Fellowship, fun, and bonding with fellow Girl Dads! We enjoyed great food and drinks and went through a “Dad Braid Bootcamp” learning a basic ponytail, messy bun, basic braid, and French braid! 🍻🍔🎀💆🏻♀️
We even had a fierce competition on who could do the best braid, tightest ponytail, and prettiest “messy” bun! 🤣 These competitive dads were not playing around! I saw several guys excited to go home and practice on their daughters and impress their wives! 🏆
Big thanks to Richard Chaves for co-hosting with me, my awesome wife and associate Emily Allen for all the preparation and planning that went into it this last month, and last but not least Armor Brewing Co. for hosting us in their private event space! Special shout-out to Melvina and Tiffany for your hospitality and serving us so well! Can’t wait for the next event!
#PintsandPonys #GirlDads #Fellowship #Fun
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When should you get life insurance?Not sure when you should get life insurance? Here are different factors to consider that will help you decide when to take the next step. ⬇️
Finances + Generosity | ThriventEven though your personal finances likely start with your personal goals, they can also be a way to support the people, causes and community you love. Who are you building your legacy for?
Better money decisions start with a conversation | ThriventI used to work for a landscaping company. I know how to take great care of my yard. But I don’t...
Right now we’re in an “in-between” season where we are renting a house while we search for the right one to buy. When we moved in the lawn was basically nonexistent in the backyard and terribly unhealthy out front. I know exactly what to do to get rid of the weeds and bring the grass back to thriving. But it’s not my yard and I’m not willing to invest the time and money it would take to improve it.
I have the knowledge, but I’m choosing not to apply it.
The same can be true of our finances. Just because we learned something that could be helpful for us doesn’t mean it will move the needle. We have to apply the knowledge.
Application can often be the hardest part. We’re inundated with sporadic advice without any idea how to use it to actually make a difference in reaching our goals.
That’s where I can help. Financial advice SHOULD be personal, not generic. There is a lot of great advice out there, but it needs to be applied correctly.
Let’s talk about it.
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Why disability insurance matters & who should get itWondering if disability income insurance is something you need? This resource contains commonly asked questions so you can decide what is right for you. ⬇️
Thrivent Newsroom - 404 Page Not FoundAs a third generation Dallas Cowboys fan I’m a bit conflicted about this announcement 😂
I’m THRILLED that Thrivent has such an awesome NFL partnership, but did it HAVE to be the Packers? 🤦♂️
https://newsroom.thrivent.com/2026-07-13-Packers,-Thrivent-Announce-Multi-Year-Partnership-Centered-on-Fan-Engagement-and-Community-Impact
Financial literacy for teens: 6 lessons about money managementOne of the greatest gifts you can offer your teenager is teaching them about money. In a few years, they'll face financial decisions that demand a long-term perspective. Here are ways to start the conversation. ⬇️
Dustin AllenHere are a few questions that I've received from my clients the last few weeks:
- I work 2 jobs - can I contribute to both 401Ks?
- Can I stay invested in ________ if I transfer these funds to you?
- Am I going to outlive my money?
- Do I need to call you before I buy this golf cart?
- Should we go ahead and pay off the mortgage?
- Should we take a premature IRA distribution to pay off debt?
Have these questions crossed your mind too? If so, I'd be happy to help.
Grab a time on my calendar below for a quick call or a coffee connect:
https://calendly.com/dustin-allen-thrivent
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How to offset inflation's impact on your retirement savingsInflation can sneak up fast, affecting how far your money can go each day. Many people are already feeling the impact of higher prices. Learn how to prepare and take steps to help your money stretch further in retirement. 👇
How to know if you're saving enough for retirementRoadblocks happen, but they don't have to stop your progress. Discover how to stay on track with your retirement goals. 👇