Financial News and Articles with Kevin Schaeuble in Kingsley IA

Insights

This image reflects a moment of harmony and devotion. The open book suggests words of wisdom or scripture, while the guitar symbolizes praise through music. Together, they remind us that worship is not confined to words alone—it flows through melody and heart, creating a space where spirit and sound unite in gratitude and peace.

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2026 Social Security COLA increase: What future retirees should knowYou may have heard that the Social Security Administration has announced a 2.8% cost of living adjustment (COLA) for 2026. Here’s a little more on what that means.

Planning for retirement can be overwhelming, but you don't have to do it on your own. Working with a Thrivent financial advisor can help you feel more confident about planning for the future. Let's work together on creating a retirement plan that is right for you. See thrivent.com/social for important disclosures.

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Take control of your everyday money decisions with Thrivent. Our free 1:1 coaching program through Money Canvas®️ is a great step to help you spend smarter and save more. 🌟 🔗 thrivent.com/moneycanvas

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Reaching retirement with financial stability is a reason to celebrate. 🎉 Here's a checklist to help you prepare for the retirement you've always wanted: https://bit.ly/4n9Dq6Z

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In quiet reverence, the angel bows—an eternal symbol of peace, prayer, and divine presence. With wings folded and eyes closed, it reminds us that in stillness we find strength, and in surrender, we touch the sacred. This image invites the soul to pause, reflect, and reconnect with the light that dwells within.

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Friendly reminder: Check your credit reports at least once a year to detect errors and suspicious activity.

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👉 “My kids will figure it out after I’m gone.” This is a common sentiment—and one of the most avoidable estate planning mistakes. A thoughtful estate plan goes beyond distributing your assets. It allows you to clearly communicate your wishes, name trusted decision-makers and ease the emotional and financial burden on the people you love. If you have questions or need help getting started, please get in touch. See thrivent.com/social for important disclosures.

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🛡️ Open Enrollment Reminder: Review Your Insurance Benefits During open enrollment season, it’s a smart time to revisit your workplace benefits—especially life and disability insurance. These coverages can help protect your financial future, but understanding how they work is key to making informed decisions. 🔍 Life Insurance Highlights: *May provide financial support to loved ones in the event of your passing. *Group policies through employers are often more accessible and cost-effective. *Can offer peace of mind for those with dependents. ⚠️ Considerations: *Coverage amounts may be lower than individual policies. *Leaving your job could impact your coverage or increase costs. *May not fully support long-term financial goals. 🔍 Disability Insurance Highlights: *May replace a portion of your income if you're unable to work due to illness or injury. *Employer plans often include short-term and long-term options. *Can help maintain financial stability during health-related disruptions. ⚠️ Considerations: *Benefits may be taxable depending on how premiums are paid. *Coverage limits and waiting periods may apply. *May not fully replace income, especially for higher earners. 💬 Why Talk to a Financial Advisor? Choosing the right coverage depends on your unique situation—income, family needs, savings, and future plans. A financial advisor can help you: Review your employer’s benefits. *Compare group and individual policy options. *Align insurance choices with your overall financial strategy. Let’s talk—no cost, no obligation, just a relaxed conversation to help you have financial clarity about your choices. Kevin Schaeuble Thrivent Financial Advisor 📞Cell/Office: 712-378-8505 💬Text: 712-43-6574 📧 kevin.schaeuble@thrivent.com See thrivent.com/social for important disclosures.

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How to offset inflation's impact on your retirement savingsInflation can sneak up fast, affecting how far your money can go each day. Many people are already feeling the impact of higher prices. Learn how to prepare and take steps to help your money stretch further in retirement. 👇

A few other truths about life insurance: - It can be more affordable than a lot of people think. - Your work policy probably isn’t enough on its own. - Some types offer other benefits and tax advantages. See thrivent.com/social for important disclosures.

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The choices you make during open enrollment can have a big impact on your financial goals for 2026 and beyond. Discover how to navigate open enrollment with confidence: http://bit.ly/4o0ESIt

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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.👇

In the quiet glow of these candles, we glimpse something eternal. Each flame, though small, holds the power to pierce darkness—not with force, but with presence. They do not rush, they do not speak, yet they offer warmth, illumination, and a sense of sacred order. This image evokes the rhythm of prayer, the hush of remembrance, the breath between thoughts. It reminds us that spirituality is not always found in grand gestures or distant revelations, but in the simple act of being—of showing up, of burning steadily in the face of uncertainty.

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Disability insurance: What it covers, exceptions & alternativesYour income supports your family—what happens if it stops? Disability income insurance can provide a safety net during difficult times. Together, we can discuss how adding coverage can fit into your current financial plan.

Do you need life insurance? Questions to ask yourself & your familyWondering how life insurance can benefit your loved ones when you’re gone? Here's a conversation guide to help you in planning for the unexpected. 👇 Together, we can make sure your family is covered for the future.

Wealth transfer strategies: How to leave assets to your loved onesPassing on assets is more than drafting a will—it’s an opportunity to share the beliefs and goals that shape your legacy. By planning now, your legacy is shaped by intention, not left to chance. Let’s schedule time to connect and help ensure your values carry forward in a lasting way.

The posture of raising hands signifies a complete surrender to a higher power. Just as the day yields to the coming night, the person in the image surrenders their worries, their ego, and their control. With palms open, they offer their life, their desires, and their fears to the divine, accepting that they are not alone and that a greater force is guiding them

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When should you get life insurance?Not sure when you should get life insurance? Here are different factors to consider that will help you decide when to take the next step. ⬇️