Many retirement plans look solid on paper—but have they been tested against real-life scenarios? Market changes, healthcare costs, inflation, and longevity can all impact your retirement income.
Stress testing your plan helps identify gaps, strengths, and opportunities—so you can move forward with confidence. Let’s take a closer look together.
#HolisticPlanning #FinancialClarity
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.
#RetirementPlanning #StressTestYourPlan #FinancialConfidence #RetirementReady #FinancialAdvisor #FutureFocused
Our team helps create a strategy based on your values and goals.
https://connect.thrivent.com/piedmont-financial-associates
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The cost of cash: Where to invest when interest rates shiftWhether you’re saving for something big, looking to generate a steady income, or seeking flexible access to your cash, there are smart ways to keep your money productive and there for you when you need it—regardless of shifting interest rates.
Explore your options below and let’s connect to keep your goals on track as interest rates change.
Retirement isn’t one chapter—it’s a journey with changing needs over time.
Working with our team means having a strategy designed for today, tomorrow, and the years ahead—helping you feel prepared no matter what retirement brings.
#RetirementReady #FinancialPlanning #LongTermPlanning #IncomeInRetirement
For more information visit Thrivent.com/social. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
Join us for a special educational event featuring guest speaker Eric W. Bilger, FIC, Financial Advisor at Thrivent. Eric will share valuable strategies to help you better prepare for life’s “what-ifs.” This event is designed specifically for our clients and their adult beneficiaries, offering guidance and support for those navigating concerns about aging parents. We encourage you to invite any—or all—of your beneficiaries to attend.
You can choose to attend one or more of the following webinars.
Feb 24, 2026 10:00 AM
Feb 25, 2026 1:00 PM
Feb 25, 2026 6:00 PM
RSVP at https://bit.ly/NortheastFeb24-25
No products will be sold. 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 additional disclosures. 31374FB N12-25
View your tax forms along with other documents online! 💻
https://www.thrivent.com/
Neither Thrivent Financial nor its affiliates or representatives provide legal or tax advice. You should consult with your attorney or tax advisor for specific advice.
See thrivent.com/social for additional disclosures.
You’re in control of how much you contribute (within IRS limits), how your money is invested, and where the account is held. Plus, because IRAs aren’t tied to an employer, they move with you throughout your career—making them a powerful tool for long-term retirement planning.
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. 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.
#IRAPlanning #RetirementSavings #FinancialFlexibility #InvestForTheFuture #MoneyManagement #FinancialConfidence
Don't strategize this importance piece of your plan alone. We're here to help!
(540) 680-2690
For disclosure information, see thrivent.com/social.
Thrivent and its financial professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.
Thrivent financial professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.
Choice Dollars may be directed through multiple channels:
• Online by visiting Thrivent.com/thriventchoice. Click on “log in” at the top right of your screen and enter your MyThrivent user ID and password.
• Call 800-847-4836 and when prompted, say “Thrivent Choice.”
For disclosure information, see thrivent.com/social
Money touches every part of our lives—our families, our goals, and the future we’re working toward.
We believe financial conversations should be encouraging, judgment-free, and real. When you understand your money, you gain confidence—and confidence changes everything.
See thrivent.com/social for important disclosures.
#LiveWithPurpose #FinancialGuidance #CommunityFirst #ValuesBasedPlanning #LiveGenerously
At the heart of everything we do is you.
We start every relationship by taking the time to truly understand your goals, values, and priorities—so we can create a financial plan tailored specifically to your life.
Our purpose goes beyond managing wealth. We take a holistic approach, coordinating insurance, investments, tax strategies, succession, and estate planning to help you get the most out of your life today—and the legacy you want to leave behind.
Learn more about how we work alongside you.
#HowWeWork #ClientFocused #HolisticPlanning #FinancialClarity #YourGoalsOurFocus #LegacyPlanning
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice.
✨ Who’s ready to start the year strong with this amazing team? ✨
Behind every plan, every conversation, and every meaningful moment is a group of people who truly care about our clients and our community. We’re excited to head into a new year together—serving, supporting, and celebrating what matters most.
From left to right:
• Bob Schmiesing – Financial Advisor
• Allison Tobias – Office Admin
• Jordan Tobias – Special Events Ambassador
• Jay Tobias – Financial Advisor
#TeamThrivent #StartingStrong #NewYearEnergy #OfficeDreamTeam #CommunityFocused #PeopleFirst #LiveGenerously
For disclosure information, see thrivent.com/social.
With people living longer than ever, creating income that lasts throughout retirement is more important than ever.
Annuities may be worth considering if you:
-Want guaranteed income for life or a set period
- Prefer predictable payments over market ups and downs
-Are looking to reduce financial uncertainty in retirement
There’s no single “right” answer — but understanding your options helps you make informed decisions that align with your goals and values.
Let’s talk about what retirement income confidence looks like for you.
#RetirementConfidence #IncomePlanning #Annuities #FinancialWellbeing
For more information, see Annuities (thrivent.com). Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.
Whether you’re paying down debt, saving for your first home or starting to invest for retirement, a financial plan can help you turn today’s paycheck into tomorrow’s possibilities.
👉 Let’s connect and discuss how we can help no matter where you’re starting from. Together, we can create a financial plan for all that you’d like to accomplish.
(540) 680-2690
See thrivent.com/social for important disclosures.
Let’s build a financial strategy that supports the life you feel called to live.
#FinancialPlanning #LiveGenerously#FinancialGoals
For additional disclosure, see thrivent.com/social If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.
✅ Key points:
File by the tax deadline for the year the taxpayer passed (typically April 15 of the following year).
If the death occurs early in the year, more than one return may be needed.
As the year ends, reviewing and organizing these matters can help ensure estates are handled correctly and refunds are not missed.
#YearEndPlanning #EstatePlanning #TaxPlanning #DeceasedTaxpayer #FinancialGuidance
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice.
Through collaborative conversations, a structured process, and continuous evaluations, we strive to create a positive impact for our clients, assisting them in reaching their essential goals.
540-680-2690
james.tobias@thrivent.com
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.
#financialfuture #preparation #wealth #retirement
As the year comes to a close, now is a good time to review how this deduction may apply to your situation and ensure it’s reflected in your year-end and tax planning strategy.
#YearEndPlanning #RetirementPlanning #SeniorTaxBenefits #2025Taxes #FinancialPlanning
For disclosure information, see thrivent.com/social.
Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice.
Contact our team of professionals.
📱(540) 680-2690
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
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
