Take time to reflect, review, and realign your strategy. Thoughtful decisions today can lead to a more confident tomorrow.
For disclosure information, see thrivent.com/social.
If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
#InvestmentPlanning #FinancialStrategy #PortfolioReview #WealthManagement #FinancialConfidence
Your dedicated plan provides objective advice and actionable written recommendations, tailored to you, to help you move towards financial clarity.
For disclosure information, see thrivent.com/social.
Let’s build a strategy that helps you live your best life—today and in the future.
📧 james.tobias@thrivent.com
📞 (540) 680-2690
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
#FinancialPlanning #FaithAndFinances #RetirementReady #LegacyPlanning #ProtectWhatMatters #LiveGenerously
A fresh perspective can reveal:
✅ Missed tax advantages
✅ Overlooked income opportunities
✅ Better alignment between your goals and your money
If you’ve been wondering whether your current strategy is truly working for you, it might be time for a second look.
We help clients uncover new possibilities in their planning—so every decision moves them closer to confidence.
📅 Let’s review your plan and make sure you’re not leaving any opportunities on the table.
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional
#FinancialPlanning #RetirementPlanning #FinancialConfidence
What this means for you (and how we can help):
• We should review your prior tax returns and determine whether standard deduction vs itemizing still makes the most sense.
• We should focus on deduction‐planning now—especially for those items that could go away or change.
• You’ll want to consider how future tax rates, law changes, and your income trajectory affect your strategy—because deduction opportunities aren’t static.
• We help you stay ahead of these changes and structure your plan so that you’re not caught off guard when the next change rolls through.
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional
#PurposeDrivenPlanning #FaithBasedFinance #GenerosityInAction #FinancialConfidence #TaxSmartStrategies #LiveYourValues
🎄✨ Join Us for Our 3rd Annual Angel Tree Event! ✨🎄
We’re spreading holiday cheer while supporting the Salvation Army!
We are also accepting donations for The Sweet Julia Grace Foundation, and The EPIC Foundation.
🎁 How to Get Involved:
Stop by our office to pick up an Angel Tree tag through November 26, 2025
📍 205A Keith St, Warrenton, VA
Then, bring your unwrapped gifts and celebrate the season with us at our Holiday Giving Party!
📅 December 2 | 6:00–8:30 PM
📍 Denim & Pearls, 29 Main Street, Warrenton, VA
It’s a wonderful way to give back, connect, and make spirits bright this season. 🌟
📞 For more information, call 540-680-2690 or email PiedmontFinancialAssociates@thrivent.com
Please share this post and help us make a difference this holiday season! ❤️
#AngelTree #ThriventActionTeam #CommunityGiving #HolidaySpirit #WarrentonVA #GiveBack #SeasonOfGiving
No products will be sold. For more information visit Thrivent.com/social. The Salvation Army, The Sweet Julia Grace Foundation, and The EPIC Foundation are not affiliated or endorsed by Thrivent.
It’s amazing what a motivated group of volunteers can accomplish when they have the tools and resources they need. With Thrivent Action Teams, you can make a meaningful impact in your community. https://bit.ly/4nMn9EG
See thrivent.com/social for important disclosures.
These small steps can prevent family conflict and help you receive care aligned with your values.
It’s never too early — or too simple — to plan ahead. 🌟
For disclosure information, see thrivent.com/social.
#FinancialPlanning #EstateStrategy #LegacyMatters #FinancialConfidence
Money isn’t just about numbers—it’s a tool to live out your values and your faith.
#FaithBasedFinance #LiveGenerously #FinancialConfidence #PurposeAndPlanning #FaithInAction
For disclosure information, see thrivent.com/social.
If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
🎄✨ Join Us for Our 3rd Annual Angel Tree Event! ✨🎄
We’re spreading holiday cheer while supporting the Salvation Army!
We are also accepting donations for The Sweet Julia Grace Foundation, and The EPIC Foundation.
🎁 How to Get Involved:
Stop by our office to pick up an Angel Tree tag through November 26, 2025
📍 205A Keith St, Warrenton, VA
Then, bring your unwrapped gifts and celebrate the season with us at our Holiday Giving Party!
📅 December 2 | 6:00–8:30 PM
📍 Denim & Pearls, 29 Main Street, Warrenton, VA
It’s a wonderful way to give back, connect, and make spirits bright this season. 🌟
📞 For more information, call 540-680-2690 or email PiedmontFinancialAssociates@thrivent.com
Please share this post and help us make a difference this holiday season! ❤️
#AngelTree #ThriventActionTeam #CommunityGiving #HolidaySpirit #WarrentonVA #GiveBack #SeasonOfGiving
No products will be sold. For more information visit Thrivent.com/social. The Salvation Army, The Sweet Julia Grace Foundation, and The EPIC Foundation are not affiliated or endorsed by Thrivent.
We had a wonderful time connecting with some amazing people at our recent Thrivent community event in Williamsburg! Your generosity helped us collect much-needed school supplies for the students at King of Glory Preschool — thank you for helping us make a difference in our community. 💙
We’re so grateful for everyone who came out to celebrate, give back, and share in the fun!
For disclosure information, see thrivent.com/social. No products will be sold.
#CommunityImpact #GiveBack #WilliamsburgVA #KingOfGloryPreschool #LiveGenerously #Thrivent #CommunityStrong
Sequence of returns risk: What it means for your retirementThe market can shift at any time, and big drops early in retirement could affect your savings. The right approach can help keep your savings resilient. Check out this article, then reach out to talk through ways to help protect your savings.👇
True giving isn't just about writing a check — it's about strategic generosity.
When you align your wealth planning with your passion for impact, you amplify both.
✅ Make a difference
✅ Maximize tax efficiency
✅ Build a legacy that lasts
For disclosure information, see thrivent.com/social While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited
#PhilanthropyDoneRight #ImpactInvesting #SmartGiving #WealthStrategy #LegacyPlanning #GiveWithPurpose
-Typically higher interest rates
-Growth that’s tax-deferred
-Flexibility for future income planning
Sometimes the best “renewal” is a better opportunity.
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
We’ll help you:
🔍 Calculate your RMD
🛡️ Minimize tax impact
💸 Explore charitable RMDs (QCDs)
Don’t wait — October is a smart time to get ahead of the rush.
#RMDReminder #RetirementPlanning #TaxSmartRetirement
For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
Small moves now can mean big tax savings later. Let’s build your strategy before the December deadlines.
📞 Ready to talk through it? We're here to help.
#YearEndPlanning #TaxStrategies #SmartMoneyMoves
For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
Charitable giving isn't just generous — it can also be strategic. October is a great time to:
✔️ Donate appreciated assets to avoid capital gains
✔️ Bundle donations for tax efficiency
✔️ Explore donor-advised funds
✔️ Revisit your will, trust, and beneficiary designations
For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
Help your money last in retirementA 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.
