Insights
I've got valuable information and resources to share. Explore away! And check back often.


I invite you to a free education event at my home catered by BBQ2U. It will be live streamed so if you are unable to attend in person please let me know so I can RSVP you to the zoom version. Please RSVP to joe.davis@thrivent.com or call 360-777-6911. Don’t Worry Retire Happy with Tom Hegna, 7 Steps to Retirement Security. 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. Thrivent.com/disclosures. 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.

I invite you to a free education event at my home catered by BBQ2U. It will be live streamed so if you are unable to attend in person please let me know so I can RSVP you to the zoom version. Please RSVP to joe.davis@thrivent.com or call 360-777-6911. Don’t Worry Retire Happy with Tom Hegna, 7 Steps to Retirement Security. 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. Thrivent.com/disclosures. 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.

Backdoor Roth IRA Conversations: Smart Move or Hidden Trap? If you’ve ever wondered how to get more money into a Roth IRA despite income limits, the backdoor Roth IRA conversion strategy may have caught your attention. It’s a smart planning tool for high-income earners—but only when used with care. First, a quick refresher: Roth IRAs offer two powerful benefits—tax-free withdrawals in retirement (if you meet certain conditions) and no required minimum distributions during your lifetime. These features make Roth IRAs excellent for retirement income planning and for long-term wealth transfer to heirs. Unfortunately, direct contributions to a Roth IRA are phased out at higher income levels—$236,000 to $246,000 for joint filers and $150,000 to $165,000 for single filers in 2025. That’s where the backdoor Roth comes in. Here’s how it works: You make a non-deductible contribution to a traditional IRA, then convert that amount into a Roth IRA. If you have no other traditional IRAs, this strategy can be a clean, tax-free move. However—and this is key—if you have other traditional IRAs (including a SEP or SIMPLE IRA), the IRS looks at all of them when determining the taxable portion of your conversion. This can result in unexpected taxable income on the conversion. In other words, what appears to be a simple “tax-free” conversion could surprise you with a tax bill if you’re not careful. Before you make a move, it’s essential to review your entire IRA picture. In some cases, consolidating or converting other IRAs first can help set the stage for more tax-efficient backdoor conversions down the line. Bottom line: A backdoor Roth IRA conversion can be a powerful tool, but it’s not a one-size-fits-all solution. If you want to discuss the backdoor Roth IRA, please call me on my direct line at 360-777-6911. Disclosures: Thrivent .com/social
Backdoor Roth IRA Conversations: Smart Move or Hidden Trap? If you’ve ever wondered how to get more money into a Roth IRA despite income limits, the backdoor Roth IRA conversion strategy may have caught your attention. It’s a smart planning tool for high-income earners—but only when used with care. First, a quick refresher: Roth IRAs offer two powerful benefits—tax-free withdrawals in retirement (if you meet certain conditions) and no required minimum distributions during your lifetime. These features make Roth IRAs excellent for retirement income planning and for long-term wealth transfer to heirs. Unfortunately, direct contributions to a Roth IRA are phased out at higher income levels—$236,000 to $246,000 for joint filers and $150,000 to $165,000 for single filers in 2025. That’s where the backdoor Roth comes in. Here’s how it works: You make a non-deductible contribution to a traditional IRA, then convert that amount into a Roth IRA. If you have no other traditional IRAs, this strategy can be a clean, tax-free move. However—and this is key—if you have other traditional IRAs (including a SEP or SIMPLE IRA), the IRS looks at all of them when determining the taxable portion of your conversion. This can result in unexpected taxable income on the conversion. In other words, what appears to be a simple “tax-free” conversion could surprise you with a tax bill if you’re not careful. Before you make a move, it’s essential to review your entire IRA picture. In some cases, consolidating or converting other IRAs first can help set the stage for more tax-efficient backdoor conversions down the line. Bottom line: A backdoor Roth IRA conversion can be a powerful tool, but it’s not a one-size-fits-all solution. If you want to discuss the backdoor Roth IRA, please call me on my direct line at 360-777-6911. Disclosures: Thrivent .com/social


As tax season approaches, here’s your reminder to get started ahead of time. Here are four reasons to file early: ✅ Faster tax refunds ✅ Extra time to make a payment if you owe ✅ Reduce risk of someone else pocketing your refund ✅ Avoid tax deadline stress or having to file an extension See thrivent.com/social for important disclosures.

As tax season approaches, here’s your reminder to get started ahead of time. Here are four reasons to file early: ✅ Faster tax refunds ✅ Extra time to make a payment if you owe ✅ Reduce risk of someone else pocketing your refund ✅ Avoid tax deadline stress or having to file an extension See thrivent.com/social for important disclosures.


You can start retirement planning at any age. And you don't have to do it alone. Together, let's review your financial goals and priorities to ensure you are on the right track for your future.

You can start retirement planning at any age. And you don't have to do it alone. Together, let's review your financial goals and priorities to ensure you are on the right track for your future.


Are you just starting to save for retirement or are nearing retirement age? This guide will help you understand how to manage your retirement income in a tax-efficient manner, so you can make the most out of your hard-earned savings. ➡️ https://bit.ly/48Wv3ox

Are you just starting to save for retirement or are nearing retirement age? This guide will help you understand how to manage your retirement income in a tax-efficient manner, so you can make the most out of your hard-earned savings. ➡️ https://bit.ly/48Wv3ox


There’s still time to get your one-of-a-kind 2025 Thrivent calendar. The calendar features beautiful photography from Thrivent clients. Order your calendar today and discover a year filled with everyday blessings: https://bit.ly/4eBsNVe

There’s still time to get your one-of-a-kind 2025 Thrivent calendar. The calendar features beautiful photography from Thrivent clients. Order your calendar today and discover a year filled with everyday blessings: https://bit.ly/4eBsNVe


As we approach the end of 2024, make sure to review your financial checklist for any outstanding tasks you still need to complete. Here are some helpful reminders.

As we approach the end of 2024, make sure to review your financial checklist for any outstanding tasks you still need to complete. Here are some helpful reminders.