Financial News and Articles with Kimberly Hinton Loftin in Raleigh NC | Thrivent

Insights

Hard to believe we’re already at the end of the year. This time of year always feels like a natural pause — a chance to look back, take stock, and quietly get ready for what’s next. Fun fact: in the Chinese calendar, this year connects to the Year of the Snake, which is all about shedding the old to make room for the new. Think clarity, growth, and leaving behind what no longer fits. So before the calendar flips, it might be worth asking: • What worked this year — and what didn’t? • What risks or loose ends are still hanging out there? • What do you want to protect and strengthen moving forward? This year, we’ve been grateful to work alongside clients navigating change, planning ahead, and building something meant to last. Thank you for trusting us — it truly means a lot. As we head into the new year, we’re excited to keep supporting you with thoughtful strategy, clear guidance, and steady partnership. Wishing you a peaceful holiday season and a fresh, focused start to the year ahead. Happy New Year!

Life insurance checkup

Life insurance checkupDoes your life insurance still fit your life? A lot can change over time. Here’s when to consider a review and what it could uncover. ⬇️

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🎄 There's still time to Join me for an Exclusive Christmas Shopping Spree! 🎄 ✨ Where: Dillard’s at Triangle Town Center 📅 When: December 11 | 9:00 AM – 11:00 AM 🛍️ The store will be opened just for us! Enjoy: 🥂 Refreshing mimosas 🍽️ A delicious brunch 💄 Individual makeovers by Dior’s top makeup artists This is the perfect way to kick off the holiday season in style—shop, sip, and sparkle! Space is limited, so RSVP today! Email me at kimberly.loftin@thrivent.com #HolidayShopping #ExclusiveEvent #TriangleTownCenter #Dillards #LuxuryExperience

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🎄 There's still time to Join me for an Exclusive Christmas Shopping Spree! 🎄 ✨ Where: Dillard’s at Triangle Town Center 📅 When: December 11 | 9:00 AM – 11:00 AM 🛍️ The store will be opened just for us! Enjoy: 🥂 Refreshing mimosas 🍽️ A delicious brunch 💄 Individual makeovers by Dior’s top makeup artists This is the perfect way to kick off the holiday season in style—shop, sip, and sparkle! Space is limited, so RSVP today! Email me at kimberly.loftin@thrivent.com #HolidayShopping #ExclusiveEvent #TriangleTownCenter #Dillards #LuxuryExperience

Thank you, Thrivent, for all you do for your associates, our clients, and the communities we serve. The gift is beautiful—and it smells incredible! #Thrivent #GratefulHeart #CommunityLove #Blessed

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👉 Tip: Don’t forget to check your FSA or HSA by year-end. ✅ FSA: Most dollars don’t roll over, so now’s the time to use those funds by stocking up on eligible supplies or booking any last-minute appointments. ✅ HSA: Confirm you’ve taken advantage of your HSA. Reach out if you’d like guidance on other year-end financial strategies. See thrivent.com/social for important disclosures.

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It’s hard to believe the year is already winding down! While shopping, baking and holiday gatherings may be at the top of your to-do list, don’t forget to carve out time for a year-end financial checkup. Taking these 6 steps now can help you minimize your taxes, strengthen your savings and start the new year on solid footing. 👉 If you’d like personalized guidance, let’s connect. See thrivent.com/social for important disclosures. Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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Thanksgiving has a way of slowing us down — gathering us around the table, filling the house with familiar voices, and reminding us just how much love we’re surrounded by. 🧡🦃 Between the laughter, the stories we’ve heard a hundred times, and the gentle chaos of family traditions (like fine china and crystal), it’s also a moment to reflect on how important it is to care for and protect the people who mean everything to us. Here’s to full hearts, full plates, and the comfort of knowing that family — in all its beautiful, perfectly imperfect ways — is the greatest blessing we have. 🍂✨ Wishing you and your loved ones a very Happy Thanksgiving.

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🎄 Join me for an Exclusive Christmas Shopping Spree! 🎄 ✨ Where: Dillard’s at Triangle Town Center 📅 When: December 11 | 9:00 AM – 11:00 AM 🛍️ The store will be opened just for us! Enjoy: 🥂 Refreshing mimosas 🍽️ A delicious brunch 💄 Individual makeovers by Dior’s top makeup artists This is the perfect way to kick off the holiday season in style—shop, sip, and sparkle! Space is limited, so RSVP today! Email me at kimberly.loftin@thrivent.com #HolidayShopping #ExclusiveEvent #TriangleTownCenter #Dillards #LuxuryExperience

6 year-end financial tasks

6 year-end financial tasksThe hustle and bustle of the holiday season can distract us from other action items on our checklist. End the year on a strong note by refocusing on your finances. Take a look at these tasks to complete before Dec. 31.

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🏈 Heading to the NC State vs. Florida State game? 🏈 Make sure to stop by the Fan Zone and visit the Thrivent tent! ✅ Grab some fun giveaways ✅ Sponsored by Thrivent ✅ Connect with our team and enjoy the game-day energy 📍 Location: Fan Zone 📅 Date: 11/21/25 - Pregame! We can’t wait to see you there—come say hello and make your game day even better! 🏈 #NCState #FloridaState #FanZone #ThriventAdvisor #Thrivent #GameDay #Community

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🏈 Heading to the NC State vs. Florida State game? 🏈 Make sure to stop by the Fan Zone and visit the Thrivent tent! ✅ Grab some fun giveaways ✅ Sponsored by Thrivent ✅ Connect with our team and enjoy the game-day energy 📍 Location: Fan Zone 📅 Date: 11/21/25 - Pregame! We can’t wait to see you there—come say hi and make your game day even better! 🏈 #NCState #FloridaState #FanZone #ThriventAdvisor #Thrivent #GameDay #Community

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If you’ve ever cared for a parent or loved one, you know how challenging it can be to navigate long-term care. And if you haven’t, chances are you have more questions than answers—which is exactly why planning ahead matters. Consider these key points. ⬆️ See thrivent.com/social for important disclosures.

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Many people are surprised to learn that Medicare and Medicaid don’t provide the extended care coverage they expect. That’s why having a long-term care strategy can be an essential part of your financial plan. Not only does it help protect your savings—it can also preserve your choices. Thrivent is not connected with or endorsed by the U.S. government or the federal Medicare program.

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A message from our leadership! Gratitude is one of the most powerful forces we possess. It's not about pretending everything is perfect, but rather about noticing what is good even in the midst of challenges. When we practice gratitude, we train our minds to focus on strength instead of scarcity, and progress instead of problems. As a result, life feels lighter, relationships become deeper, and we find ourselves more resilient, grounded, and present. In our fast-paced world, it's easy to concentrate on what we lack, what's missing, or what we're still striving to achieve. However, gratitude allows us to slow down just enough to realize that we are already surrounded by moments worth appreciating. The more we recognize these moments, the more they grow and enrich our lives. While gratitude may not change the circumstances around us, it certainly changes us, and that is where real change begins.

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November is Long Term Care Awareness Month 💙 I’m thankful my parents had protection that provided $100,000 in benefits for my father’s care. Thrivent offers solutions that help families preserve their savings and protect their future. Message me to learn how Thrivent can help you plan ahead. https://book.apps.thrivent.com/client/kimberly.loftin See thrivent.com/social for important disclosures.

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The importance of Long Term Care Planning Hard work builds savings. Long‑term care insurance helps protect it. Thrivent’s enhanced policies safeguard families from unexpected costs. Let’s talk about how Thrivent can help protect your legacy. https://book.apps.thrivent.com/client/kimberly.loftin See thrivent.com/social for important disclosures.

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💙 November is Long-Term Care Awareness Month 👨‍👩‍👧 Planning for extended care is more than a financial decision - it’s an act of love. At Thrivent, we help individuals and families prepare for the unexpected with strategies that align with their values and goals. 📌 Why it matters: Extended care needs can arise suddenly. Having a strategy in place can help reduce emotional and financial stress for your loved ones. 📞 Let’s talk: Want to learn how extended care planning can fit into your overall financial strategy? I’m here to help. Schedule an Appointment with Me: https://book.apps.thrivent.com/client/kimberly.loftin 🔗 thrivent.com/social Insurance products issued by Thrivent. Licensed agent/producer. Not a recommendation for any specific product. Guarantees based on the financial strength and claims-paying ability of the issuing company. Thrivent is the marketing name for Thrivent Financial for Lutherans. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Registered representative of Thrivent Investment Management Inc. Advisory services available through investment adviser representatives only.

Sequence of returns risk: What it means for your retirement

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.👇

The cost of cash: Where to invest when interest rates drop

The cost of cash: Where to invest when interest rates dropWhether you’re saving for something big, hoping to generate a steady income or seeking flexible access to your cash, there are smart ways to keep your money productive and aligned with your needs—regardless of shifting interest rates. Explore your options below and let’s connect to keep your goals on track in a changing interest rate environment.