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How Much Can You Save by Delaying Retirement? ⏳ Thinking about working a little longer before retiring? Here’s why it can seriously pay off: 1️⃣ More Time to Save Every extra year means more contributions to your retirement accounts. Even small additions can grow significantly over time thanks to compound interest. 2️⃣ Fewer Years to Fund Delaying retirement shortens the time you’ll need to rely on your savings, reducing the total you’ll need. 3️⃣ Higher Social Security Benefits For each year you delay claiming Social Security after full retirement age (up to age 70), your benefit increases by about 8%! Example: If you save $10,000/year and delay retirement by 3 years, you could add over $30,000 to your savings—plus growth from investments! Every extra year counts. Could delaying retirement help you meet your goals? Share your thoughts! 👇 . . . #Thrivent #TeamThrivent #RetirementPlanning #SaveSmart See Thrivent.com/social for important disclosures.

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How Much Can You Save by Delaying Retirement? ⏳ Thinking about working a little longer before retiring? Here’s why it can seriously pay off: 1️⃣ More Time to Save Every extra year means more contributions to your retirement accounts. Even small additions can grow significantly over time thanks to compound interest. 2️⃣ Fewer Years to Fund Delaying retirement shortens the time you’ll need to rely on your savings, reducing the total you’ll need. 3️⃣ Higher Social Security Benefits For each year you delay claiming Social Security after full retirement age (up to age 70), your benefit increases by about 8%! Example: If you save $10,000/year and delay retirement by 3 years, you could add over $30,000 to your savings—plus growth from investments! Every extra year counts. Could delaying retirement help you meet your goals? Share your thoughts! 👇 . . . #Thrivent #TeamThrivent #RetirementPlanning #SaveSmart See Thrivent.com/social for important disclosures.

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Emergency Funds vs. Retirement Savings: Finding the Balance ⚖️ Struggling to decide where your money should go? Here’s how to prioritize: ✅ Build Your Emergency Fund First Aim for 3-6 months’ worth of essential expenses. This safety net protects you from dipping into retirement savings for unexpected costs. ✅ Start Saving for Retirement Early Once your emergency fund is in place, focus on your future self. The earlier you save, the more time your money has to grow. Compound interest is powerful! ✅ Split the Difference If your emergency fund isn’t fully funded, split your savings. For example, put 60% toward the fund and 40% into retirement until you reach your goals. ✅ Reassess Regularly Life changes—so should your savings strategy. Adjust as your expenses, income, or goals evolve. Balance is key! Your future self and present self will thank you. What’s your savings strategy? Drop your tips below! 👇 . . . #Thrivent #TeamThrivent #EmergencyFund #RetirementSavings #FinancialBalance See Thrivent.com/social for important disclosures.

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Emergency Funds vs. Retirement Savings: Finding the Balance ⚖️ Struggling to decide where your money should go? Here’s how to prioritize: ✅ Build Your Emergency Fund First Aim for 3-6 months’ worth of essential expenses. This safety net protects you from dipping into retirement savings for unexpected costs. ✅ Start Saving for Retirement Early Once your emergency fund is in place, focus on your future self. The earlier you save, the more time your money has to grow. Compound interest is powerful! ✅ Split the Difference If your emergency fund isn’t fully funded, split your savings. For example, put 60% toward the fund and 40% into retirement until you reach your goals. ✅ Reassess Regularly Life changes—so should your savings strategy. Adjust as your expenses, income, or goals evolve. Balance is key! Your future self and present self will thank you. What’s your savings strategy? Drop your tips below! 👇 . . . #Thrivent #TeamThrivent #EmergencyFund #RetirementSavings #FinancialBalance See Thrivent.com/social for important disclosures.

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IRA or 401(k): Which Should You Prioritize? Deciding between an IRA and a 401(k)? Here’s how to choose: Start with your 401(k) •Contribute enough to get the employer match—it’s free money! •Offers higher contribution limits for faster savings growth. Next, consider an IRA •Often more investment options and lower fees. •Traditional IRA: Tax benefits now. •Roth IRA: Tax-free growth and withdrawals later. ⚠️ Pro Tip: Once you’ve maxed out the match and/or IRA limits, circle back to your 401(k) for additional contributions. 📞 Need help deciding? Let’s review your goals and build a plan together. Schedule a call today! . . . #IRAor401k #RetirementPlanning #RetirementSavings #PersonalFinance #WealthBuilding #FinancialGoals #RetirementReady #InvestSmart #MoneyMatters #RetirementTips #PlanForTheFuture #TaxEfficientInvesting See Thrivent.com/social for important disclosures.

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IRA or 401(k): Which Should You Prioritize? Deciding between an IRA and a 401(k)? Here’s how to choose: Start with your 401(k) •Contribute enough to get the employer match—it’s free money! •Offers higher contribution limits for faster savings growth. Next, consider an IRA •Often more investment options and lower fees. •Traditional IRA: Tax benefits now. •Roth IRA: Tax-free growth and withdrawals later. ⚠️ Pro Tip: Once you’ve maxed out the match and/or IRA limits, circle back to your 401(k) for additional contributions. 📞 Need help deciding? Let’s review your goals and build a plan together. Schedule a call today! . . . #IRAor401k #RetirementPlanning #RetirementSavings #PersonalFinance #WealthBuilding #FinancialGoals #RetirementReady #InvestSmart #MoneyMatters #RetirementTips #PlanForTheFuture #TaxEfficientInvesting See Thrivent.com/social for important disclosures.

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“Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly.” Martin Luther King Jr., Alabama, 1963 . . . #MLKDay #MartinLutherKingJr #JusticeForAll #Equality #CivilRights #Injustice #Mutuality #HumanRights

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“Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly.” Martin Luther King Jr., Alabama, 1963 . . . #MLKDay #MartinLutherKingJr #JusticeForAll #Equality #CivilRights #Injustice #Mutuality #HumanRights

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Are You Missing Out on Employer 401(k) Matches? An employer match is free money for your retirement! Many companies match a percentage of what you contribute to your 401(k)—but only if you’re contributing enough to qualify. Example: If your employer offers a 100% match up to 5% of your salary, and you make $50,000, contributing 5% means you get an extra $2,500 a year! Don’t leave money on the table: •Check your plan to see the match details. •Adjust your contributions to maximize the match. Not sure where to start? Let’s chat! What do you think? Adjustments or additions? . . . #Thrivent #TeamThrivent #401kPlanning #RetirementSavings #EmployerMatch #InvestSmart #RetirementGoals #MoneyTips #PersonalFinance #FinancialPlanning #FreeMoney #SmartInvesting #WealthBuilding #RetirementReady #MoneyMatters #FinancialAdvisor See Thrivent.com/social for important disclosures.

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Are You Missing Out on Employer 401(k) Matches? An employer match is free money for your retirement! Many companies match a percentage of what you contribute to your 401(k)—but only if you’re contributing enough to qualify. Example: If your employer offers a 100% match up to 5% of your salary, and you make $50,000, contributing 5% means you get an extra $2,500 a year! Don’t leave money on the table: •Check your plan to see the match details. •Adjust your contributions to maximize the match. Not sure where to start? Let’s chat! What do you think? Adjustments or additions? . . . #Thrivent #TeamThrivent #401kPlanning #RetirementSavings #EmployerMatch #InvestSmart #RetirementGoals #MoneyTips #PersonalFinance #FinancialPlanning #FreeMoney #SmartInvesting #WealthBuilding #RetirementReady #MoneyMatters #FinancialAdvisor See Thrivent.com/social for important disclosures.

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Throwback to catching a Pirates game at PNC Park—always a good time in the heart of Pittsburgh! ⚾🧢 . . . #Thrivent #TeamThrivent #Throwback #TBT #PNCPark #LetsGoBucs #Pittsburgh #Pirates #Baseball

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Throwback to catching a Pirates game at PNC Park—always a good time in the heart of Pittsburgh! ⚾🧢 . . . #Thrivent #TeamThrivent #Throwback #TBT #PNCPark #LetsGoBucs #Pittsburgh #Pirates #Baseball

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What is a Safe Withdrawal Rate for Retirement? The 4% Rule is a popular guideline: withdraw 4% of your savings in the first year of retirement, adjust for inflation, and your money should last 30 years. ✅Pros: Simple, inflation-adjusted, long-term focus. ❌Cons: Based on outdated data, assumes one-size-fits-all, doesn’t account for living longer or market changes. While it’s a helpful starting point, your retirement deserves a personalized strategy. Need help planning? Let’s talk! Schedule a call or meeting, and we’ll create a withdrawal strategy tailored to you. . . . #Thrivent #TeamThrivent #RetirementPlanning #4PercentRule #FinancialFreedom #RetirementSavings #FinancialPlanning #RetireSmart #WealthManagement #RetirementGoals #MoneyMatters #InvestWisely #PersonalFinance #RetirementTips #FinancialAdvisor #PlanForTheFuture #SmartMoney See Thrivent.com/social for important disclosures.

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What is a Safe Withdrawal Rate for Retirement? The 4% Rule is a popular guideline: withdraw 4% of your savings in the first year of retirement, adjust for inflation, and your money should last 30 years. ✅Pros: Simple, inflation-adjusted, long-term focus. ❌Cons: Based on outdated data, assumes one-size-fits-all, doesn’t account for living longer or market changes. While it’s a helpful starting point, your retirement deserves a personalized strategy. Need help planning? Let’s talk! Schedule a call or meeting, and we’ll create a withdrawal strategy tailored to you. . . . #Thrivent #TeamThrivent #RetirementPlanning #4PercentRule #FinancialFreedom #RetirementSavings #FinancialPlanning #RetireSmart #WealthManagement #RetirementGoals #MoneyMatters #InvestWisely #PersonalFinance #RetirementTips #FinancialAdvisor #PlanForTheFuture #SmartMoney See Thrivent.com/social for important disclosures.

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Wildfires across California have caused widespread devastation to homes, businesses and communities. Let’s send a message that help is on the way by volunteering or donating. For every $2 you donate through Thrivent's online giving platform Thrivent will add $1. Thrivent will also pay all the processing fees so 100% will go directly to the cause. Learn how you can amplify your impact: https://bit.ly/3Wg8iGV

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Wildfires across California have caused widespread devastation to homes, businesses and communities. Let’s send a message that help is on the way by volunteering or donating. For every $2 you donate through Thrivent's online giving platform Thrivent will add $1. Thrivent will also pay all the processing fees so 100% will go directly to the cause. Learn how you can amplify your impact: https://bit.ly/3Wg8iGV

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Catch-Up Contributions: A Boost for 50+ Savers Are you 50 or older? Good news—you can supercharge your retirement savings with catch-up contributions! Here’s how: 401(k) Plans •Regular limit: $23,500 (2025). •Catch-up: Add $7,500 more. • FOR 2025 ONLY between 60-63: Super Catch-Up Contribution limit of $11,250 instead of $7,500! •Total: Save up to $31,000-$34,750 per year! IRAs (Traditional & Roth) •Regular limit: $6,500 (2024). •Catch-up: Add $1,000 more. •Total: Save up to $7,500 per year! Why it matters: •Maximize your savings in the final stretch before retirement. •Reduce taxable income (for Traditional 401(k)/IRA). •Build more tax-free income (for Roth accounts). Take advantage of these limits and boost your financial future! Are you making the most of your catch-up contributions? Share below! . . . #Thrivent #TeamThrivent #RetirementPlanning #CatchUpContributions #50PlusSavings #401k #IRA #RetirementGoals #WealthBuilding #RetirementSavings #InvestSmart #MoneyTips #PersonalFinance #SaveForRetirement #FinancialGoals #MoneyMatters See Thrivent.com/social for important disclosures.

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Catch-Up Contributions: A Boost for 50+ Savers Are you 50 or older? Good news—you can supercharge your retirement savings with catch-up contributions! Here’s how: 401(k) Plans •Regular limit: $23,500 (2025). •Catch-up: Add $7,500 more. • FOR 2025 ONLY between 60-63: Super Catch-Up Contribution limit of $11,250 instead of $7,500! •Total: Save up to $31,000-$34,750 per year! IRAs (Traditional & Roth) •Regular limit: $6,500 (2024). •Catch-up: Add $1,000 more. •Total: Save up to $7,500 per year! Why it matters: •Maximize your savings in the final stretch before retirement. •Reduce taxable income (for Traditional 401(k)/IRA). •Build more tax-free income (for Roth accounts). Take advantage of these limits and boost your financial future! Are you making the most of your catch-up contributions? Share below! . . . #Thrivent #TeamThrivent #RetirementPlanning #CatchUpContributions #50PlusSavings #401k #IRA #RetirementGoals #WealthBuilding #RetirementSavings #InvestSmart #MoneyTips #PersonalFinance #SaveForRetirement #FinancialGoals #MoneyMatters See Thrivent.com/social for important disclosures.

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Here’s a throwback during warmer times in ALASKA (my 19th state) last June when we ran a half marathon in Anchorage. Finding balance between work and life isn’t always easy, but for me, running provides clarity and energy to show up fully for my clients, my family, and myself. Whether it’s a 5K or a marathon, the journey mirrors financial planning: you need a clear goal, the right strategy, and someone cheering you on. What helps you stay balanced during this busy season? . . . #Thrivent #TeamThrivent #Alaska #Runner See Thrivent.com/social for important disclosures.

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Here’s a throwback during warmer times in ALASKA (my 19th state) last June when we ran a half marathon in Anchorage. Finding balance between work and life isn’t always easy, but for me, running provides clarity and energy to show up fully for my clients, my family, and myself. Whether it’s a 5K or a marathon, the journey mirrors financial planning: you need a clear goal, the right strategy, and someone cheering you on. What helps you stay balanced during this busy season? . . . #Thrivent #TeamThrivent #Alaska #Runner See Thrivent.com/social for important disclosures.

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Thrivent and its financial professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

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