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Here's the truth: the most valuable asset you'll ever own is YOU. That's why I'm passionate about empowering my clients not only with sound financial strategies but also with the tools and knowledge to continuously grow and develop personally. 📚✨ Whether it's learning about budgeting, understanding the stock market, or honing your negotiation skills, every bit of financial education and personal development pays dividends in the long run. So, let's commit to investing in ourselves, because the greatest return on investment starts with YOU. Drop a comment below and let me know how you're investing in yourself today! 👇📚 https://connect.thrivent.com/john-ausley Visit Thrivent.com/social for important disclosures.
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Here's the truth: the most valuable asset you'll ever own is YOU. That's why I'm passionate about empowering my clients not only with sound financial strategies but also with the tools and knowledge to continuously grow and develop personally. 📚✨ Whether it's learning about budgeting, understanding the stock market, or honing your negotiation skills, every bit of financial education and personal development pays dividends in the long run. So, let's commit to investing in ourselves, because the greatest return on investment starts with YOU. Drop a comment below and let me know how you're investing in yourself today! 👇📚 https://connect.thrivent.com/john-ausley Visit Thrivent.com/social for important disclosures.
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It’s a common belief that presidential elections have a major influence on the markets, but the reality is often less dramatic. Here’s a look at how markets have historically responded to elections: Minimal Long-Term Impact: Historical data shows that presidential elections rarely cause significant long-term shifts in the stock market. The S&P 500 has returned an average of roughly 10% per year regardless of the party in power. Short-Term Volatility: While there might be short-term volatility around election periods, it typically doesn’t lead to sustained market trends. For instance, the S&P 500 dropped 5.3% on Election Day in 2008, but quickly rebounded, ending the year down due to the financial crisis rather than the election itself. Economic Fundamentals: The market is influenced more by economic fundamentals, such as interest rates, corporate earnings, and global events, than by election outcomes. For example, the Federal Reserve’s policies often have a more direct and immediate effect on market performance. Post-Election Recovery: Markets have shown resilience and often recover after the initial uncertainty of an election. After the 2016 election, despite initial concerns, the S&P 500 gained nearly 12% by the end of the year. Historical Stability: Looking back over the past century, there is no consistent pattern showing that elections alone determine market direction. Both Republican and Democratic presidencies have seen bull and bear markets. In conclusion, while elections can cause short-term market movements, the long-term effect is usually minimal. Smart investing focuses on economic fundamentals and individual financial goals rather than political cycles. Want to navigate market uncertainties with confidence? Book a meeting with me today and let’s create a strategy tailored to your financial goals. 📅 Click the link to schedule a free consultation: https://tinyurl.com/yjnazpkr Looking forward to helping you achieve your financial goals, no matter the election outcome! Visit Thrivent.com/social for important disclosures.
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It’s a common belief that presidential elections have a major influence on the markets, but the reality is often less dramatic. Here’s a look at how markets have historically responded to elections: Minimal Long-Term Impact: Historical data shows that presidential elections rarely cause significant long-term shifts in the stock market. The S&P 500 has returned an average of roughly 10% per year regardless of the party in power. Short-Term Volatility: While there might be short-term volatility around election periods, it typically doesn’t lead to sustained market trends. For instance, the S&P 500 dropped 5.3% on Election Day in 2008, but quickly rebounded, ending the year down due to the financial crisis rather than the election itself. Economic Fundamentals: The market is influenced more by economic fundamentals, such as interest rates, corporate earnings, and global events, than by election outcomes. For example, the Federal Reserve’s policies often have a more direct and immediate effect on market performance. Post-Election Recovery: Markets have shown resilience and often recover after the initial uncertainty of an election. After the 2016 election, despite initial concerns, the S&P 500 gained nearly 12% by the end of the year. Historical Stability: Looking back over the past century, there is no consistent pattern showing that elections alone determine market direction. Both Republican and Democratic presidencies have seen bull and bear markets. In conclusion, while elections can cause short-term market movements, the long-term effect is usually minimal. Smart investing focuses on economic fundamentals and individual financial goals rather than political cycles. Want to navigate market uncertainties with confidence? Book a meeting with me today and let’s create a strategy tailored to your financial goals. 📅 Click the link to schedule a free consultation: https://tinyurl.com/yjnazpkr Looking forward to helping you achieve your financial goals, no matter the election outcome! Visit Thrivent.com/social for important disclosures.
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What People Think Financial Advisors Do All Day vs. What We Actually Do Ever wonder what financial advisors do all day? Here’s a fun comparison between the common misconceptions and the reality: What People Think We Do: 1. Kicking Back with Our Feet Up: 🛋️ People often imagine us lounging around, sipping coffee, and waiting for the stock market to magically make money. 2. Staring at a Computer Screen: 💻 Staring at stock tickers, pretending to understand all the financial jargon while we scroll through social media. 3. Playing Golf: 🏌️♂️ Spending our days on the golf course, networking, and enjoying the good life without a care in the world. 4. Making Easy Money: 💰 Pushing a few buttons and watching the cash roll in, like we’re part of some financial magic show. What We Actually Do: 1. Personalized Financial Planning: 📊 We dive deep into your financial situation, account statements, and other documents, understanding your goals, dreams, and challenges to create a tailored plan. 2. Portfolio Management: 📈 Analyzing market trends, balancing portfolios, and making strategic adjustments to keep your investments on track. 3. Tax Planning: 🧾 Strategizing to minimize your tax burden and ensuring you’re taking advantage of every opportunity to save. 4. Risk Management: 🛡️ Identifying and mitigating risks in your financial plan to protect your assets and future. 5. Client Meetings, Communication, and Education: 📞 Ever spent hours on hold with a call-center in India to find out info about your old 401K? Us too... Constantly communicating with clients, explaining complex financial concepts in plain English, and making sure you’re informed and confident in your financial decisions. 6. Research and Continuing Education: 📚 Staying updated with the latest market trends, tax laws, and financial strategies to help provide the best advice that we can. To say that they change often would be an understatement. 7. Running a Business: 🏢 Managing the day-to-day operations of our practice, from marketing and compliance to staff management and client acquisition. So, next time you imagine your financial advisor lounging around, remember that we’re working hard behind the scenes to help you reach your financial goals. Ready to see what real financial planning looks like? Let’s chat and get you on the right track. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for important disclosures.
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What People Think Financial Advisors Do All Day vs. What We Actually Do Ever wonder what financial advisors do all day? Here’s a fun comparison between the common misconceptions and the reality: What People Think We Do: 1. Kicking Back with Our Feet Up: 🛋️ People often imagine us lounging around, sipping coffee, and waiting for the stock market to magically make money. 2. Staring at a Computer Screen: 💻 Staring at stock tickers, pretending to understand all the financial jargon while we scroll through social media. 3. Playing Golf: 🏌️♂️ Spending our days on the golf course, networking, and enjoying the good life without a care in the world. 4. Making Easy Money: 💰 Pushing a few buttons and watching the cash roll in, like we’re part of some financial magic show. What We Actually Do: 1. Personalized Financial Planning: 📊 We dive deep into your financial situation, account statements, and other documents, understanding your goals, dreams, and challenges to create a tailored plan. 2. Portfolio Management: 📈 Analyzing market trends, balancing portfolios, and making strategic adjustments to keep your investments on track. 3. Tax Planning: 🧾 Strategizing to minimize your tax burden and ensuring you’re taking advantage of every opportunity to save. 4. Risk Management: 🛡️ Identifying and mitigating risks in your financial plan to protect your assets and future. 5. Client Meetings, Communication, and Education: 📞 Ever spent hours on hold with a call-center in India to find out info about your old 401K? Us too... Constantly communicating with clients, explaining complex financial concepts in plain English, and making sure you’re informed and confident in your financial decisions. 6. Research and Continuing Education: 📚 Staying updated with the latest market trends, tax laws, and financial strategies to help provide the best advice that we can. To say that they change often would be an understatement. 7. Running a Business: 🏢 Managing the day-to-day operations of our practice, from marketing and compliance to staff management and client acquisition. So, next time you imagine your financial advisor lounging around, remember that we’re working hard behind the scenes to help you reach your financial goals. Ready to see what real financial planning looks like? Let’s chat and get you on the right track. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for important disclosures.
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Ever considered performing your own surgery? 🚑 Or maybe fixing your own teeth? 🦷 How about building your dream house all by yourself? 🏠 Chances are, you trust experts for these critical tasks. Your financial future is just as crucial! Don't DIY your financial planning. Let's work together to build a solid financial foundation tailored just for you. Schedule a meeting with me, and let's design your roadmap to financial success. Schedule Link: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for disclosures.
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Ever considered performing your own surgery? 🚑 Or maybe fixing your own teeth? 🦷 How about building your dream house all by yourself? 🏠 Chances are, you trust experts for these critical tasks. Your financial future is just as crucial! Don't DIY your financial planning. Let's work together to build a solid financial foundation tailored just for you. Schedule a meeting with me, and let's design your roadmap to financial success. Schedule Link: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for disclosures.
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HAVE A PLAN "When I'm old, I'll just let the government take care of me." I hear this idea thrown around a good bit. Nothing says "dream retirement" like living in a government funded nursing facility. Let’s talk about later life healthcare expenses realistically. You’ve got three options: Self-Fund: The average cost of a nursing home in NC is roughly $10,000/month (and increasing). Planning financially for this is crucial. Family Care: Relying on a friend or family member for full-time care is a personal choice that involves significant sacrifices. Insurance: This option may provide a sense of reassurance by transferring the risk to an insurance provider, ensuring that you’re well taken care of without burdening loved ones. Any of the above options can work, but remember: failing to plan is planning to fail. Let’s ensure you have the right plan in place for you. Want to discuss your healthcare planning strategy? Let’s chat and create a plan tailored to your needs. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for important disclosures.
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HAVE A PLAN "When I'm old, I'll just let the government take care of me." I hear this idea thrown around a good bit. Nothing says "dream retirement" like living in a government funded nursing facility. Let’s talk about later life healthcare expenses realistically. You’ve got three options: Self-Fund: The average cost of a nursing home in NC is roughly $10,000/month (and increasing). Planning financially for this is crucial. Family Care: Relying on a friend or family member for full-time care is a personal choice that involves significant sacrifices. Insurance: This option may provide a sense of reassurance by transferring the risk to an insurance provider, ensuring that you’re well taken care of without burdening loved ones. Any of the above options can work, but remember: failing to plan is planning to fail. Let’s ensure you have the right plan in place for you. Want to discuss your healthcare planning strategy? Let’s chat and create a plan tailored to your needs. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley Visit Thrivent.com/social for important disclosures.
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🐍 The Government’s Secret Plan to Squeeze Every Penny in Taxes 🐍 Ever get the feeling the government has a secret plan to make sure you pay the maximum amount of taxes possible? Spoiler alert: they do. And if you’re not careful, you’ll end up funding way more than your fair share of the national budget—both now and for generations to come. Here’s how we help you proactively avoid Uncle Sam’s eager hands: Tax-Efficient Strategies: We’re your portfolio tax strategists, ensuring that your money stays in your pocket, not the government’s. Retirement Planning: The government would love to take a big chunk of your retirement fund. We say no thanks, and set up your accounts to minimize those nasty surprises. Estate Planning: Without us, your kids might as well sign over half their inheritance to the IRS. We make sure that they keep what’s rightfully theirs. Roth Conversions: We spread out your tax burden with Roth conversions so you don’t get hit with a massive bill down the road. Because surprise taxes are the worst kind of surprise. Charitable Giving: Want to donate to a good cause and reduce your tax bill at the same time? We’ll show you how. Don’t just sit back and let the government’s tax plan bleed you dry. Work with us to proactively protect your wealth now and for future generations. If your uncle always asked you for money, you'd start avoiding family dinners. But when Uncle Sam does it, it's just called tax season. Let's put an end to this. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley 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.
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🐍 The Government’s Secret Plan to Squeeze Every Penny in Taxes 🐍 Ever get the feeling the government has a secret plan to make sure you pay the maximum amount of taxes possible? Spoiler alert: they do. And if you’re not careful, you’ll end up funding way more than your fair share of the national budget—both now and for generations to come. Here’s how we help you proactively avoid Uncle Sam’s eager hands: Tax-Efficient Strategies: We’re your portfolio tax strategists, ensuring that your money stays in your pocket, not the government’s. Retirement Planning: The government would love to take a big chunk of your retirement fund. We say no thanks, and set up your accounts to minimize those nasty surprises. Estate Planning: Without us, your kids might as well sign over half their inheritance to the IRS. We make sure that they keep what’s rightfully theirs. Roth Conversions: We spread out your tax burden with Roth conversions so you don’t get hit with a massive bill down the road. Because surprise taxes are the worst kind of surprise. Charitable Giving: Want to donate to a good cause and reduce your tax bill at the same time? We’ll show you how. Don’t just sit back and let the government’s tax plan bleed you dry. Work with us to proactively protect your wealth now and for future generations. If your uncle always asked you for money, you'd start avoiding family dinners. But when Uncle Sam does it, it's just called tax season. Let's put an end to this. 📅 Click the link to schedule a meeting: https://tinyurl.com/John-Ausley 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.
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Imagine walking down the sidewalk. Would you pass by a penny without a second thought? How about a dollar bill? 💸 It's easy to disregard loose change, but most of us wouldn't dream of ignoring paper money lying on the ground. And yet, that's precisely what happens when you don't make the most of your employer match. According to a 2020 study by the Bureau of Labor Statistics, the average employer match is $89 per pay period, which adds up to a substantial $356 per month! Now, let's break this down further. If that $356 were to earn 10% per year on average, you could potentially amass roughly $2.2 million dollars over a period of 40 years, solely by taking advantage of the employer match. Of course, this isn't investment advice; it's just an example of what could happen. Don't let this opportunity slip away. Reach out to me today and together, we'll ensure you're not leaving a single cent behind! Schedule a Free Consultation: https://tinyurl.com/John-Ausley See thrivent.com/social for important disclosures.
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Imagine walking down the sidewalk. Would you pass by a penny without a second thought? How about a dollar bill? 💸 It's easy to disregard loose change, but most of us wouldn't dream of ignoring paper money lying on the ground. And yet, that's precisely what happens when you don't make the most of your employer match. According to a 2020 study by the Bureau of Labor Statistics, the average employer match is $89 per pay period, which adds up to a substantial $356 per month! Now, let's break this down further. If that $356 were to earn 10% per year on average, you could potentially amass roughly $2.2 million dollars over a period of 40 years, solely by taking advantage of the employer match. Of course, this isn't investment advice; it's just an example of what could happen. Don't let this opportunity slip away. Reach out to me today and together, we'll ensure you're not leaving a single cent behind! Schedule a Free Consultation: https://tinyurl.com/John-Ausley See thrivent.com/social for important disclosures.
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🎯 What is a Target Date Retirement Fund and Who May Want to Consider Other Options? 🎯 Many of you who are reading this right now own a Target Date Retirement Fund (TDF) within your 401(k) and may not even realize it. These funds are designed to simplify retirement investing by automatically adjusting the asset mix of stocks, bonds, and other investments based on a selected time frame, usually your expected retirement date. See a number like 2030 or 2045 show up in your statement? You're probably in a TDF. Here’s how it works: Automatic Adjustment: The fund's allocation becomes more conservative as you approach the target retirement date, reducing risk by shifting from stocks to bonds. Set-It-and-Forget-It: Ideal for those who prefer a hands-off approach, TDFs offer a convenient way to invest without needing to actively manage your portfolio. Diversification: These funds provide a diversified investment mix, tailored to your retirement timeline. However, TDFs may not be right for everyone, even if they are the default option in many 401(k) plans. Here’s why: One-Size-Fits-All: TDFs follow a generalized strategy and may not align with your specific risk tolerance, financial situation, or retirement goals. Less Control: Investors seeking more control over their asset allocation or who wish to tailor their investment strategy to specific market conditions might find TDFs too restrictive. Potentially Higher Fees: Some TDFs come with higher expense ratios compared to other investment options, which can eat into your returns over time. Varied Performance: Not all TDFs perform the same, even if they have the same target date. It's important to research and compare funds to ensure you're getting a good value. While Target Date Retirement Funds can be a great fit for many investors due to their simplicity and automatic adjustments, they aren’t the best choice for everyone. Those with unique financial goals, specific risk preferences, or a desire for more personalized investment strategies may benefit from exploring other options. Wondering if the Target Date Fund in your 401(k) is the best choice for you? Book a consultation with me today and let's find the best investment strategy for your retirement goals. 📅 Click the link to schedule a meeting: https://tinyurl.com/yjnazpkr Visit Thrivent.com/social for important disclosures.
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/8583d082424041efa0dbf0002f7bf958.jpg)
🎯 What is a Target Date Retirement Fund and Who May Want to Consider Other Options? 🎯 Many of you who are reading this right now own a Target Date Retirement Fund (TDF) within your 401(k) and may not even realize it. These funds are designed to simplify retirement investing by automatically adjusting the asset mix of stocks, bonds, and other investments based on a selected time frame, usually your expected retirement date. See a number like 2030 or 2045 show up in your statement? You're probably in a TDF. Here’s how it works: Automatic Adjustment: The fund's allocation becomes more conservative as you approach the target retirement date, reducing risk by shifting from stocks to bonds. Set-It-and-Forget-It: Ideal for those who prefer a hands-off approach, TDFs offer a convenient way to invest without needing to actively manage your portfolio. Diversification: These funds provide a diversified investment mix, tailored to your retirement timeline. However, TDFs may not be right for everyone, even if they are the default option in many 401(k) plans. Here’s why: One-Size-Fits-All: TDFs follow a generalized strategy and may not align with your specific risk tolerance, financial situation, or retirement goals. Less Control: Investors seeking more control over their asset allocation or who wish to tailor their investment strategy to specific market conditions might find TDFs too restrictive. Potentially Higher Fees: Some TDFs come with higher expense ratios compared to other investment options, which can eat into your returns over time. Varied Performance: Not all TDFs perform the same, even if they have the same target date. It's important to research and compare funds to ensure you're getting a good value. While Target Date Retirement Funds can be a great fit for many investors due to their simplicity and automatic adjustments, they aren’t the best choice for everyone. Those with unique financial goals, specific risk preferences, or a desire for more personalized investment strategies may benefit from exploring other options. Wondering if the Target Date Fund in your 401(k) is the best choice for you? Book a consultation with me today and let's find the best investment strategy for your retirement goals. 📅 Click the link to schedule a meeting: https://tinyurl.com/yjnazpkr Visit Thrivent.com/social for important disclosures.
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/1e904039f47b4cc18e61a61cf186069a.jpg)
It’s a common belief that presidential elections have a major influence on the markets, but the reality is often less dramatic. Here’s a look at how markets have historically responded to elections: Minimal Long-Term Impact: Historical data shows that presidential elections rarely cause significant long-term shifts in the stock market. The S&P 500 has returned an average of roughly 10% per year regardless of the party in power. Short-Term Volatility: While there might be short-term volatility around election periods, it typically doesn’t lead to sustained market trends. For instance, the S&P 500 dropped 5.3% on Election Day in 2008, but quickly rebounded, ending the year down due to the financial crisis rather than the election itself. Economic Fundamentals: The market is influenced more by economic fundamentals, such as interest rates, corporate earnings, and global events, than by election outcomes. For example, the Federal Reserve’s policies often have a more direct and immediate effect on market performance. Post-Election Recovery: Markets have shown resilience and often recover after the initial uncertainty of an election. After the 2016 election, despite initial concerns, the S&P 500 gained nearly 12% by the end of the year. Historical Stability: Looking back over the past century, there is no consistent pattern showing that elections alone determine market direction. Both Republican and Democratic presidencies have seen bull and bear markets. In conclusion, while elections can cause short-term market movements, the long-term effect is usually minimal. Smart investing focuses on economic fundamentals and individual financial goals rather than political cycles. Want to navigate market uncertainties with confidence? Book a meeting with me today and let’s create a strategy tailored to your financial goals. 📅 Click the link to schedule a free consultation: https://tinyurl.com/yjnazpkr Looking forward to helping you achieve your financial goals, no matter the election outcome! Visit Thrivent.com/social for important disclosures.
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/1e904039f47b4cc18e61a61cf186069a.jpg)
It’s a common belief that presidential elections have a major influence on the markets, but the reality is often less dramatic. Here’s a look at how markets have historically responded to elections: Minimal Long-Term Impact: Historical data shows that presidential elections rarely cause significant long-term shifts in the stock market. The S&P 500 has returned an average of roughly 10% per year regardless of the party in power. Short-Term Volatility: While there might be short-term volatility around election periods, it typically doesn’t lead to sustained market trends. For instance, the S&P 500 dropped 5.3% on Election Day in 2008, but quickly rebounded, ending the year down due to the financial crisis rather than the election itself. Economic Fundamentals: The market is influenced more by economic fundamentals, such as interest rates, corporate earnings, and global events, than by election outcomes. For example, the Federal Reserve’s policies often have a more direct and immediate effect on market performance. Post-Election Recovery: Markets have shown resilience and often recover after the initial uncertainty of an election. After the 2016 election, despite initial concerns, the S&P 500 gained nearly 12% by the end of the year. Historical Stability: Looking back over the past century, there is no consistent pattern showing that elections alone determine market direction. Both Republican and Democratic presidencies have seen bull and bear markets. In conclusion, while elections can cause short-term market movements, the long-term effect is usually minimal. Smart investing focuses on economic fundamentals and individual financial goals rather than political cycles. Want to navigate market uncertainties with confidence? Book a meeting with me today and let’s create a strategy tailored to your financial goals. 📅 Click the link to schedule a free consultation: https://tinyurl.com/yjnazpkr Looking forward to helping you achieve your financial goals, no matter the election outcome! Visit Thrivent.com/social for important disclosures.