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The car you drive could be standing between you and the retirement you want. If you invested what you pay in car payments, you could build more wealth than you may have ever thought possible. That was one of the take-aways from our Don't Worry, Retire Happy event last night at Spurwing Country Club. Here are a few other gems: ✅ Financial wellness is deeply connected to physical, mental, and even spiritual well-being. ✅ Financial stability in retirement doesn’t just affect quality of life, it can impact how long you live. ✅ And this thought stuck with many of us: Applied knowledge is power. Not just knowledge, applied knowledge. Thank you Tom Hegna for sharing your wisdom with us and thanks to everyone who joined us! We are looking forward to our next financial education workshop in June with Rachel Cruze. ________________________________________ I'm Steve—I help individuals and business owners like you make smart choices with your resources and find financial clarity at every stage of life. Why? Because financial clarity creates better parents, business owners, leaders, neighbors, and community members. Follow for practical tips, valuable connections, and generosity-driven inspiration. Disclosures: Thrivent.com/social

The car you drive could be standing between you and the retirement you want. If you invested what you pay in car payments, you could build more wealth than you may have ever thought possible. That was one of the take-aways from our Don't Worry, Retire Happy event last night at Spurwing Country Club. Here are a few other gems: ✅ Financial wellness is deeply connected to physical, mental, and even spiritual well-being. ✅ Financial stability in retirement doesn’t just affect quality of life, it can impact how long you live. ✅ And this thought stuck with many of us: Applied knowledge is power. Not just knowledge, applied knowledge. Thank you Tom Hegna for sharing your wisdom with us and thanks to everyone who joined us! We are looking forward to our next financial education workshop in June with Rachel Cruze. ________________________________________ I'm Steve—I help individuals and business owners like you make smart choices with your resources and find financial clarity at every stage of life. Why? Because financial clarity creates better parents, business owners, leaders, neighbors, and community members. Follow for practical tips, valuable connections, and generosity-driven inspiration. Disclosures: Thrivent.com/social


When my kids were toddlers I wish someone had explained Cash Value Life Insurance to me. It’s a powerful tool that could’ve helped me build wealth for the future while still providing the protection my family needed . Cash Value Life Insurance can do more than protect your family after you’re gone. It can help you grow wealth today, reach goals you have now, and supplement retirement. If you want to know how it works, keep reading: • Combines life insurance coverage with an investment component that builds cash value over time. • The cash value can grow tax-free. • You can borrow against the cash value or make partial withdrawals, often at a low-interest rate. • Provides coverage for your entire life, unlike term life insurance, which only lasts for a set period. • Premiums can sometimes be adjusted over time to fit your changing needs. • Over time, the cash value can act as a supplement to your retirement income, providing additional financial income. If you’ve got questions about Cash Value Life Insurance, I’d love to answer them for you. _____________________ I'm Steve - I help individuals and business owners like you make smart choices with your resources and find financial clarity at every stage of life. Why? Because financial clarity creates better parents, business owners, leaders, neighbors, and community members. Follow for practical tips, valuable connections, and generosity-driven inspiration. Disclosures: Thrivent.com/social

When my kids were toddlers I wish someone had explained Cash Value Life Insurance to me. It’s a powerful tool that could’ve helped me build wealth for the future while still providing the protection my family needed . Cash Value Life Insurance can do more than protect your family after you’re gone. It can help you grow wealth today, reach goals you have now, and supplement retirement. If you want to know how it works, keep reading: • Combines life insurance coverage with an investment component that builds cash value over time. • The cash value can grow tax-free. • You can borrow against the cash value or make partial withdrawals, often at a low-interest rate. • Provides coverage for your entire life, unlike term life insurance, which only lasts for a set period. • Premiums can sometimes be adjusted over time to fit your changing needs. • Over time, the cash value can act as a supplement to your retirement income, providing additional financial income. If you’ve got questions about Cash Value Life Insurance, I’d love to answer them for you. _____________________ I'm Steve - I help individuals and business owners like you make smart choices with your resources and find financial clarity at every stage of life. Why? Because financial clarity creates better parents, business owners, leaders, neighbors, and community members. Follow for practical tips, valuable connections, and generosity-driven inspiration. Disclosures: Thrivent.com/social


I still have a few seats left for our free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

I still have a few seats left for our free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.


Free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

Free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.


Happy Easter to you and your family! Hope your day is filled with celebration and special moments.

Happy Easter to you and your family! Hope your day is filled with celebration and special moments.


Celebrating small wins has a bigger impact on the brain. A few years ago, my wife and I made a decision: we were going to deliberately celebrate the small stuff. We started acknowledging little things like a new habit sticking, overcoming an obstacle, even making it through a tough week. Here’s what we’ve learned about recognizing the small wins: 1. Triggers dopamine—the motivation chemical. Even small accomplishments give your brain a hit of dopamine, which boosts mood and motivation. When you only chase big wins, you delay that feedback loop. Small wins keep you engaged and energized in the meantime. 2. Builds momentum. Your brain loves progress. Celebrating small steps reinforces the habit of moving forward, which makes it easier to keep going—even when the big goal feels far away. 3. Shifts focus from outcome to process. Big wins are outcome-driven. Small wins help your brain focus on what you can control—your habits, your effort, your consistency. That shift reduces overwhelm and increases resilience. 4. Rewires your perception of success. When you recognize and celebrate smaller milestones, your brain starts to associate progress with success—not just perfection or final results. That makes the journey more sustainable (and more enjoyable). And, maybe most importantly- 5. Reduces burnout. Waiting for a big, flashy result keeps your brain in a delayed gratification mode. Small wins give it relief, which prevents the fatigue and detachment that come from working without visible reward. So, last week, we celebrated some small wins with a hike and hot springs. Challenge: celebrate a small win today. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social #SmallWins #Celebrate #Motivation #DopamineHit #FeedbackLoop #Success #Resilience

Celebrating small wins has a bigger impact on the brain. A few years ago, my wife and I made a decision: we were going to deliberately celebrate the small stuff. We started acknowledging little things like a new habit sticking, overcoming an obstacle, even making it through a tough week. Here’s what we’ve learned about recognizing the small wins: 1. Triggers dopamine—the motivation chemical. Even small accomplishments give your brain a hit of dopamine, which boosts mood and motivation. When you only chase big wins, you delay that feedback loop. Small wins keep you engaged and energized in the meantime. 2. Builds momentum. Your brain loves progress. Celebrating small steps reinforces the habit of moving forward, which makes it easier to keep going—even when the big goal feels far away. 3. Shifts focus from outcome to process. Big wins are outcome-driven. Small wins help your brain focus on what you can control—your habits, your effort, your consistency. That shift reduces overwhelm and increases resilience. 4. Rewires your perception of success. When you recognize and celebrate smaller milestones, your brain starts to associate progress with success—not just perfection or final results. That makes the journey more sustainable (and more enjoyable). And, maybe most importantly- 5. Reduces burnout. Waiting for a big, flashy result keeps your brain in a delayed gratification mode. Small wins give it relief, which prevents the fatigue and detachment that come from working without visible reward. So, last week, we celebrated some small wins with a hike and hot springs. Challenge: celebrate a small win today. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social #SmallWins #Celebrate #Motivation #DopamineHit #FeedbackLoop #Success #Resilience


Feeling the pressure of market ups and downs? A Multi-Year Guaranteed Annuity (MYGA) might be your answer. It locks in a fixed interest rate for 3, 5, 7, or 9 years, offering a stable, low-risk way to grow your savings, withOUT fees. With MYGAs there's no need to worry about market swings. Your returns are predictable. Great for those looking to balance risk and plan for the future. Curious if a MYGA fits your plan? I'm here for questions. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social

Feeling the pressure of market ups and downs? A Multi-Year Guaranteed Annuity (MYGA) might be your answer. It locks in a fixed interest rate for 3, 5, 7, or 9 years, offering a stable, low-risk way to grow your savings, withOUT fees. With MYGAs there's no need to worry about market swings. Your returns are predictable. Great for those looking to balance risk and plan for the future. Curious if a MYGA fits your plan? I'm here for questions. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social