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Insights

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

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Did you know it’s possible to have more than one life insurance policy? Significant life events, like an increase in income or getting married, may be a reason to consider additional coverage for you and your loved ones. Find more information on supplemental life insurance and how you can create a ladder of multiple life insurance policies here >> https://bit.ly/4ioAws3

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Did you know it’s possible to have more than one life insurance policy? Significant life events, like an increase in income or getting married, may be a reason to consider additional coverage for you and your loved ones. Find more information on supplemental life insurance and how you can create a ladder of multiple life insurance policies here >> https://bit.ly/4ioAws3

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How the cash value of life insurance works

Your life insurance could be more than protection—it could be a financial asset. 💡 A permanent life insurance policy has the ability to accumulate cash value, which you can possibly use to help fund your retirement, college education or new home.​ Take a look at this resource to learn more about the cash value feature and what type of life insurance policy may be right for you.

Within your permanent life insurance policy, a portion of the premiums you pay accumulates over time. You can tap into this cash value to fund financial goals...

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Market uncertainty: Tariffs and economic policy drive volatility

Uncertainty around economic and trade policies is weighing on confidence for both individuals and businesses. Read more from Thrivent's Chief Investment Strategist on current volatility and other market conditions.

It can be difficult for markets to assess the impact of tariffs because they can be added or removed quickly, and there isn’t always insight into what’s coming...

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How do taxes on Social Security work?

Wondering how and if you will be taxed on your Social Security income? It depends on your income and filing status. Let’s connect and discuss how to be strategic about where you pull your retirement income from. There’s potential you may be able to reduce the amount of taxes you owe on Social Security.

If you’re at or near retirement, you’ve likely given a lot of thought to Social Security: how much you’ll receive, when to start taking it, and the role it...

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Investing basics: The complete guide for beginners

Investing may seem complex, but learning the basics can help prepare you to take the next step. From terminology 101 to learning how to assess your risk tolerance, this guide will help give you a foundational understanding of investing.​ If you’d like to align your investments with your financial goals, let’s set up a meeting.

Investments can seem complex, but with a foundational understanding, anyone can start building a brighter financial future. Here are the essentials to get you...

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As tax season approaches, here’s your reminder to get started ahead of time.​ Here are four reasons to file early:​ ✅ Faster tax refunds​ ✅ Extra time to make a payment if you owe​ ✅ Reduce risk of someone else pocketing your refund​ ✅ Avoid tax deadline stress or having to file an extension​ See thrivent.com/social for important disclosures.​

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As tax season approaches, here’s your reminder to get started ahead of time.​ Here are four reasons to file early:​ ✅ Faster tax refunds​ ✅ Extra time to make a payment if you owe​ ✅ Reduce risk of someone else pocketing your refund​ ✅ Avoid tax deadline stress or having to file an extension​ See thrivent.com/social for important disclosures.​

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Are your retirement savings on track?

Whether retirement is far off or fast approaching, there are steps you can take to accelerate your savings. One option is to fully fund an IRA by April 15. Here are more ways you can boost your savings.

Discover important savings milestones and how you can help boost your savings.

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2025 Market Outlook: Stay invested, but expect volatility

Thrivent Asset Management leadership share thoughts on how the economy will perform under a new administration in this 2025 Market Outlook. ⬇️

There are good reasons to believe robust economic growth will continue into 2025.

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May 2024 Market Update: April showers dampen investors’ optimism

Markets experienced a bit of bumpy road in April. Read more about why Thrivent Asset Management is promoting patience for both stock and bond investing in the May 2024 Market Update.

April market volatility providing challenges for investors.

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CHANGING JOBS? HERE’S A FINANCIAL CHECKLIST __________________________ If you’re starting a new job, you want to make the right financial choices in line with your personal situation. Here is list of some essentials to consider: ☑️ EMPLOYEE BENEFITS SUMMARY Many employers will provide a guide that summarizes the details of your work benefits. Grab this! ☑️ NEW RETIREMENT PLAN Check to see what kind of plan they have. Learn about matching, vesting schedules, and investment choices. There is often a separate handbook for the employer plan to answer these questions. ☑️ OLD RETIREMENT ACCOUNT You’ll want to consider rolling over your previous plan(s) either into your new work plan or into an IRA. Generally we suggest rolling into an IRA because it gives you more flexibility and more choices. ☑️ OTHER BONUSES Find out if your new employer offers any stock options or executive bonus plans. ☑️ INSURANCE OPTIONS The biggest one will be the major medical plan. This might also include dental and vision. There is often a separate summary for these plans as well. Next, see if they offer any short or long term disability insurance. You’ll want to know the amount of the benefit and if they pay the premiums. This will help you calculate any potential coverage gaps. Then see if they offer any life insurance. Coverage is usually basic, but employers often offer voluntary coverages too. *If you initially opt out of benefits like these, you’ll have to wait until the next open enrollment (typically each Fall). ☑️ CHECK FOR HSA OR FSA Your employer may also offer these special savings benefits. The HSA is especially useful long term if a high deductible health plan is right for you. ☑️ UPDATE YOUR BENEFICIARIES Do this on your life insurance and retirement plan. ☑️ CHOOSE THE RIGHT WITHHOLDINGS On your W4, elect what kind of tax to withhold. Go to the IRS withholding calculator or consult your tax professional for help. ☑️ MISCELLANEOUS STUFF They may offer other supplemental financial benefits. Depending on your situation, they could be helpful. When in doubt, consult your financial professional. 💡PLANNING TIP In general, we’d say that work benefits are “bonus benefits.” Meaning, your work benefits should supplement your personal plan. NEED HELP? Our team helps clients daily with choices like these. Schedule time with one of our advisors for a complimentary consultation. Email us at exponent.group@thrivent.com or call 309-431-1496. ______ See thrivent.com/social for disclosures

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CHANGING JOBS? HERE’S A FINANCIAL CHECKLIST __________________________ If you’re starting a new job, you want to make the right financial choices in line with your personal situation. Here is list of some essentials to consider: ☑️ EMPLOYEE BENEFITS SUMMARY Many employers will provide a guide that summarizes the details of your work benefits. Grab this! ☑️ NEW RETIREMENT PLAN Check to see what kind of plan they have. Learn about matching, vesting schedules, and investment choices. There is often a separate handbook for the employer plan to answer these questions. ☑️ OLD RETIREMENT ACCOUNT You’ll want to consider rolling over your previous plan(s) either into your new work plan or into an IRA. Generally we suggest rolling into an IRA because it gives you more flexibility and more choices. ☑️ OTHER BONUSES Find out if your new employer offers any stock options or executive bonus plans. ☑️ INSURANCE OPTIONS The biggest one will be the major medical plan. This might also include dental and vision. There is often a separate summary for these plans as well. Next, see if they offer any short or long term disability insurance. You’ll want to know the amount of the benefit and if they pay the premiums. This will help you calculate any potential coverage gaps. Then see if they offer any life insurance. Coverage is usually basic, but employers often offer voluntary coverages too. *If you initially opt out of benefits like these, you’ll have to wait until the next open enrollment (typically each Fall). ☑️ CHECK FOR HSA OR FSA Your employer may also offer these special savings benefits. The HSA is especially useful long term if a high deductible health plan is right for you. ☑️ UPDATE YOUR BENEFICIARIES Do this on your life insurance and retirement plan. ☑️ CHOOSE THE RIGHT WITHHOLDINGS On your W4, elect what kind of tax to withhold. Go to the IRS withholding calculator or consult your tax professional for help. ☑️ MISCELLANEOUS STUFF They may offer other supplemental financial benefits. Depending on your situation, they could be helpful. When in doubt, consult your financial professional. 💡PLANNING TIP In general, we’d say that work benefits are “bonus benefits.” Meaning, your work benefits should supplement your personal plan. NEED HELP? Our team helps clients daily with choices like these. Schedule time with one of our advisors for a complimentary consultation. Email us at exponent.group@thrivent.com or call 309-431-1496. ______ 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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