Your financial advisor can help you create a complete retirement plan tailored to your needs, no matter where you're starting from. Along with tailored guidance from your financial advisor, to maximize tax diversification, you may want to have a mix of assets that fall into all three tax buckets—tax now, tax later and tax never.  

For many savers, most of their assets fall in the tax later basket, and that can have a big impact on your retirement strategy when it comes time to pay taxes. Some options to consider: rolling over a 401(k)* and looking at annuities, traditional or Roth IRAs. 

There may be benefits to leaving your account in your employer plan, if allowed. 

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.