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Insights

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

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😀This Saturday! Do you have any papers that need shredding? Well, have we got an event for you! Come on by the Reformation Lutheran Church parking lot at 601 Madison Rd in Culpeper on Saturday October 25th from 9-noon. Please bring your papers to be shredded and a non-perishable item to benefit the local food closet. The Culpeper Food Closet – Need of the Week - Pasta - Pasta sauce - Hamburger Helper - Dried beans - Chili - Beef stew - Canned vegetables No products will be sold.

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😀This Saturday! Do you have any papers that need shredding? Well, have we got an event for you! Come on by the Reformation Lutheran Church parking lot at 601 Madison Rd in Culpeper on Saturday October 25th from 9-noon. Please bring your papers to be shredded and a non-perishable item to benefit the local food closet. The Culpeper Food Closet – Need of the Week - Pasta - Pasta sauce - Hamburger Helper - Dried beans - Chili - Beef stew - Canned vegetables No products will be sold.

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Help your money last in retirement

A long life is a gift—let’s help make sure your finances can keep up. Start by building financial resilience against inflation, market swings, and rising health and care costs.

Discover how to help your savings go the distance, support your future health and care needs, and give you more freedom in retirement.

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How to offset inflation's impact on your retirement savings

Inflation 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. 👇

Worried your retirement investments and accounts won't keep up with inflation? Get tips—including steps on how to hedge your investments—to help offset its...

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Build a future that aligns with your goals at Thrivent. As a financial advisor, you’ll enjoy an inclusive, collaborative workplace where you can build a rewarding career and make an impact on the people and communities that matter to you. You’ll have access to the right tools, unmatched team support and an ecosystem designed to grow with you as your career evolves. Explore the opportunities: thriventcareers.com/3IPgAlD

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Build a future that aligns with your goals at Thrivent. As a financial advisor, you’ll enjoy an inclusive, collaborative workplace where you can build a rewarding career and make an impact on the people and communities that matter to you. You’ll have access to the right tools, unmatched team support and an ecosystem designed to grow with you as your career evolves. Explore the opportunities: thriventcareers.com/3IPgAlD

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Major life changes—like marriage, divorce or the loss of a partner—can have a significant impact on your retirement strategy. These events often affect your income, expenses, tax situation and long-term goals. If you haven’t revisited your plan recently, please reach out. Together, we can make any necessary changes to help keep you on track for the future. See thrivent.com/social for important disclosures.

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Major life changes—like marriage, divorce or the loss of a partner—can have a significant impact on your retirement strategy. These events often affect your income, expenses, tax situation and long-term goals. If you haven’t revisited your plan recently, please reach out. Together, we can make any necessary changes to help keep you on track for the future. See thrivent.com/social for important disclosures.

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Is your goal to grow, serve others and lead with purpose? Join us in a career where you can thrive. As a Thrivent financial advisor, you’ll benefit from: ✔️ A supportive culture rooted in values and community ✔️ Attractive income potential ✔️ Ongoing training and development ✔️ Flexible career paths tailored to your goals ✔️ Work that makes a lasting impact Start your journey 👉 thriventcareers.com/4nUFcbC

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Is your goal to grow, serve others and lead with purpose? Join us in a career where you can thrive. As a Thrivent financial advisor, you’ll benefit from: ✔️ A supportive culture rooted in values and community ✔️ Attractive income potential ✔️ Ongoing training and development ✔️ Flexible career paths tailored to your goals ✔️ Work that makes a lasting impact Start your journey 👉 thriventcareers.com/4nUFcbC

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4 Truths About Long-term Care Description If staying in your home is a top retirement priority, you’re not alone. Learn how creating a plan for care as you age can help you achieve that goal. Join us for our free workshop, 4 Truths About Long-term Care. Discover why it’s vital to create a strategy to protect your assets and reassure your family about the future. • Most people want to stay in their home. • Care is expensive, whether at home or not. • Sharpen your focus on the future you’re hoping for. No products will be sold at this event. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited. Long-term care insurance may not cover all of the costs associated with long-term care. You are advised to review your contract carefully. The contract has exclusions, limitations, and terms under which the benefits may be reduced, or the contract may be discontinued. Contract provisions and maximum monthly benefits may vary by state. For costs and complete details of coverage, contact your licensed insurance agent/producer. Date & Time Time shows in Eastern Time (US and Canada) You can choose to attend one or more of the following webinars. Oct 14, 2025 10:00 AM Oct 14, 2025 06:00 PM THRIVENT IS THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS. Insurance products issued by Thrivent, Appleton, WI. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures. ICC21 36175FB N3-21

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4 Truths About Long-term Care Description If staying in your home is a top retirement priority, you’re not alone. Learn how creating a plan for care as you age can help you achieve that goal. Join us for our free workshop, 4 Truths About Long-term Care. Discover why it’s vital to create a strategy to protect your assets and reassure your family about the future. • Most people want to stay in their home. • Care is expensive, whether at home or not. • Sharpen your focus on the future you’re hoping for. No products will be sold at this event. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited. Long-term care insurance may not cover all of the costs associated with long-term care. You are advised to review your contract carefully. The contract has exclusions, limitations, and terms under which the benefits may be reduced, or the contract may be discontinued. Contract provisions and maximum monthly benefits may vary by state. For costs and complete details of coverage, contact your licensed insurance agent/producer. Date & Time Time shows in Eastern Time (US and Canada) You can choose to attend one or more of the following webinars. Oct 14, 2025 10:00 AM Oct 14, 2025 06:00 PM THRIVENT IS THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS. Insurance products issued by Thrivent, Appleton, WI. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures. ICC21 36175FB N3-21

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Wealth transfer strategies: How to leave assets to your loved ones

Passing on assets is more than drafting a will—it’s an opportunity to share the beliefs and goals that shape your legacy. By planning now, your legacy is shaped by intention, not left to chance. Let’s schedule time to connect and help ensure your values carry forward in a lasting way.

Transferring wealth isn’t just about passing on assets—it’s about creating a lasting legacy. A thoughtful approach pairs expert financial planning with...

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Estate planning begins with thoughtful decisions about your loved ones, your assets and your wishes for who and what matters most. Here are some tools to help you take the first step: https://bit.ly/4nl6Myk

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Estate planning begins with thoughtful decisions about your loved ones, your assets and your wishes for who and what matters most. Here are some tools to help you take the first step: https://bit.ly/4nl6Myk

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September 2025 Market Update: Expectations for lower rates return

Economic data from August showed that growth is slowing. Read Thrivent's September market update to learn more.

August economic data helped increase market expectations for lower rates to come.

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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