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Investing for the first time? Don’t stress about optimizing every account upfront. Focus on developing the *habit* first. Keep it simple by starting with just *one* account. Here's how I'd choose: • 401k (or 403b): I'd start with this account if my employer offers one with a match or I make too much money to contribute directly to a Roth IRA. • Roth IRA: I'd start with this account if I'm earning money, make less than the income restrictions, and employer doesn't have a 401k with a match. • Brokerage: I'd start with this account if I'm not currently working. Build the habit first, then optimize it later. Keeping it simple is key. -- Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

Investing for the first time? Don’t stress about optimizing every account upfront. Focus on developing the *habit* first. Keep it simple by starting with just *one* account. Here's how I'd choose: • 401k (or 403b): I'd start with this account if my employer offers one with a match or I make too much money to contribute directly to a Roth IRA. • Roth IRA: I'd start with this account if I'm earning money, make less than the income restrictions, and employer doesn't have a 401k with a match. • Brokerage: I'd start with this account if I'm not currently working. Build the habit first, then optimize it later. Keeping it simple is key. -- Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

This week I hosted my Pickleball crew at Pickle & Taps in downtown Wilmington. It was a great way to spend a cold fall morning. As we played, we came up with the following Pickleball related financial advice. 💰 Master the Money Court: Your Financial Pickleball Strategy 🏓 Ready to move beyond the non-volley zone? Winning with money, like winning on the court, demands a strategic Game Plan. Your Quick Financial Playbook: Serve for Savings: Automate deposits for consistent wealth growth. Volley Your Debts: Aggressively eliminate high-interest debts (financial "faults"). Dink to Diversify: Use varied investments to stabilize your portfolio against market volatility. Stay Out of the Kitchen: Stick to your budget's Non-Spending Zone to avoid impulse "splurges." Game on! What successful financial "shot" are you making this week? 👇 #PickleballLife #FinancialFitness #GamePlan #MoneyGoals Comment to join our next open play in Wilmington! Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

This week I hosted my Pickleball crew at Pickle & Taps in downtown Wilmington. It was a great way to spend a cold fall morning. As we played, we came up with the following Pickleball related financial advice. 💰 Master the Money Court: Your Financial Pickleball Strategy 🏓 Ready to move beyond the non-volley zone? Winning with money, like winning on the court, demands a strategic Game Plan. Your Quick Financial Playbook: Serve for Savings: Automate deposits for consistent wealth growth. Volley Your Debts: Aggressively eliminate high-interest debts (financial "faults"). Dink to Diversify: Use varied investments to stabilize your portfolio against market volatility. Stay Out of the Kitchen: Stick to your budget's Non-Spending Zone to avoid impulse "splurges." Game on! What successful financial "shot" are you making this week? 👇 #PickleballLife #FinancialFitness #GamePlan #MoneyGoals Comment to join our next open play in Wilmington! Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

⚓ The Captain & The Financial Navigator = Financial Success Out on the water, you're the Captain—you set the destination. But even the best captains need a great crew and a precise GPS to navigate safely. In your financial life, you are the Captain. We, your Financial Advisors, are the dedicated Navigator. You Set the Course: Define your dreams (retirement, new home, legacy). We Chart the Route: Using our expertise and financial "GPS," we analyze the currents and plot the most efficient path to your goals. The Partnership: You steer; we ensure the systems run smoothly. Never boat alone! Let's work together to make sure your financial future arrives exactly where you intend it to. #FinancialCaptain #CrewGoals #BoatingLife #FinancialAdvice #Partnership Let's Connect Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

⚓ The Captain & The Financial Navigator = Financial Success Out on the water, you're the Captain—you set the destination. But even the best captains need a great crew and a precise GPS to navigate safely. In your financial life, you are the Captain. We, your Financial Advisors, are the dedicated Navigator. You Set the Course: Define your dreams (retirement, new home, legacy). We Chart the Route: Using our expertise and financial "GPS," we analyze the currents and plot the most efficient path to your goals. The Partnership: You steer; we ensure the systems run smoothly. Never boat alone! Let's work together to make sure your financial future arrives exactly where you intend it to. #FinancialCaptain #CrewGoals #BoatingLife #FinancialAdvice #Partnership Let's Connect Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

As a highly comped W-2 employee, a self-employed spouse is one of the biggest tax-planning cheat codes you can have. - They can open a Solo 401k and contribute as both employee and employer (Potentially up to ~$70k a year). - Business expenses can reduce taxable income. - You get more control over deductions. - An added bonus is that the spouse's schedule will typically be much more flexible than if they had a normal W2 job. It’s one of the most overlooked ways for high income earners to generate real tax savings. If your spouse has side-income or is doing consulting work, don’t miss this. Comment to Connect Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

As a highly comped W-2 employee, a self-employed spouse is one of the biggest tax-planning cheat codes you can have. - They can open a Solo 401k and contribute as both employee and employer (Potentially up to ~$70k a year). - Business expenses can reduce taxable income. - You get more control over deductions. - An added bonus is that the spouse's schedule will typically be much more flexible than if they had a normal W2 job. It’s one of the most overlooked ways for high income earners to generate real tax savings. If your spouse has side-income or is doing consulting work, don’t miss this. Comment to Connect Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

Ready to launch the next phase of your career—or take it in a new direction? As a Thrivent Virtual Advisor, you’ll benefit from learning and development designed to elevate your skills. As your confidence grows, you’ll have opportunities to step into leadership—or even build your own practice. Discover where your career could take you: thriventcareers.com/3VJ7UQH

Ready to launch the next phase of your career—or take it in a new direction? As a Thrivent Virtual Advisor, you’ll benefit from learning and development designed to elevate your skills. As your confidence grows, you’ll have opportunities to step into leadership—or even build your own practice. Discover where your career could take you: thriventcareers.com/3VJ7UQH




