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Insights

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

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Market uncertainty: Tariffs and economic policy drive volatility

Uncertainty around economic and trade policies is weighing on confidence for both individuals and businesses. Read more from Thrivent's Chief Investment Strategist on current volatility and other market conditions.

It can be difficult for markets to assess the impact of tariffs because they can be added or removed quickly, and there isn’t always insight into what’s coming...

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Is early retirement right for you?

Curious how you can start your retirement sooner? Depending on your current income and expenses, it's possible. Here are things to keep in mind when considering if early retirement is right for you. ⬇️

For a growing number of Americans, the idea of working until their mid-60s or later and then kicking back in their remaining years simply isn’t appealing. They...

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Preparing for Estate and Legacy Planning Challenges 🔑 Problem: Have you thought about how you want your wealth to be passed on? Estate and legacy planning can feel overwhelming, but it’s crucial to ensure your wealth is transferred according to your wishes. ✅ Solution: 1. Create Wills and Trusts: Work with an estate planner to ensure your assets are distributed the way you want and to minimize estate taxes. 2. Update Beneficiaries: Make sure all your accounts, including life insurance policies and retirement accounts, have up-to-date beneficiary designations. 3. Charitable Giving: Incorporating charitable giving into your estate plan can leave a lasting legacy and offer tax benefits for your heirs. 🔑 Who Needs This? Anyone over 50 who wants to ensure their wealth and values are passed down in a tax-efficient and meaningful way. #EstatePlanning #LegacyPlanning #FinancialSecurity #WillsAndTrusts #CharitableGiving 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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Preparing for Estate and Legacy Planning Challenges 🔑 Problem: Have you thought about how you want your wealth to be passed on? Estate and legacy planning can feel overwhelming, but it’s crucial to ensure your wealth is transferred according to your wishes. ✅ Solution: 1. Create Wills and Trusts: Work with an estate planner to ensure your assets are distributed the way you want and to minimize estate taxes. 2. Update Beneficiaries: Make sure all your accounts, including life insurance policies and retirement accounts, have up-to-date beneficiary designations. 3. Charitable Giving: Incorporating charitable giving into your estate plan can leave a lasting legacy and offer tax benefits for your heirs. 🔑 Who Needs This? Anyone over 50 who wants to ensure their wealth and values are passed down in a tax-efficient and meaningful way. #EstatePlanning #LegacyPlanning #FinancialSecurity #WillsAndTrusts #CharitableGiving 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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Worried About Outliving Your Savings? Here’s How to Plan for Longevity 🔑 Problem: What happens if you live longer than you planned? Longevity risk is a real concern for those nearing retirement, and the last thing you want is to run out of money before your time does. ✅ Solution: 1. Diversified Income Streams: Look into guaranteed income products like annuities or generate income from rental properties to supplement your savings. 2. Reduce Spending: Reassess your retirement expenses. Cutting back on non-essential expenses can extend the life of your portfolio. 3. Smart Withdrawal Strategy: Adjust your withdrawal rates based on market conditions and be flexible with your spending to preserve your savings. 🔑 Who Needs This? Individuals in their 50s or 60s who are uncertain about how long their retirement savings will last, especially those worried about long-term health costs or unexpected life events. #LongevityRisk #RetirementIncome #FinancialPlanning #Withdrawals #RetirementGoals Guarantees based on the financial strength and claims-paying ability of the company. See thrivent.com/social for important disclosures.

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Worried About Outliving Your Savings? Here’s How to Plan for Longevity 🔑 Problem: What happens if you live longer than you planned? Longevity risk is a real concern for those nearing retirement, and the last thing you want is to run out of money before your time does. ✅ Solution: 1. Diversified Income Streams: Look into guaranteed income products like annuities or generate income from rental properties to supplement your savings. 2. Reduce Spending: Reassess your retirement expenses. Cutting back on non-essential expenses can extend the life of your portfolio. 3. Smart Withdrawal Strategy: Adjust your withdrawal rates based on market conditions and be flexible with your spending to preserve your savings. 🔑 Who Needs This? Individuals in their 50s or 60s who are uncertain about how long their retirement savings will last, especially those worried about long-term health costs or unexpected life events. #LongevityRisk #RetirementIncome #FinancialPlanning #Withdrawals #RetirementGoals Guarantees based on the financial strength and claims-paying ability of the company. See thrivent.com/social for important disclosures.

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Enjoy retirement income without the guesswork

You've spent years building your retirement nest egg—now let's make it work for you. Let's discuss how to turn your savings into steady, reliable income that lasts.

You’ve spent years building your retirement nest egg—now it’s time to make it work for you....

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Paying Off Debt in Retirement? Here’s How to Get Ready 🔑 Problem: Carrying debt into retirement—whether it's a mortgage, car loans, or credit card balances—can create stress and limit your financial flexibility. ✅ Solution: 1. Debt Payoff Strategy: Focus on paying off high-interest debt before you retire to free up your retirement income for other needs. 2. Refinance or Downsize: If you have a mortgage, consider refinancing to a lower interest rate or even selling your home to downsize to a more affordable living situation. 3. Create a Post-Retirement Budget: Factor in debt payments when building your retirement budget, and plan for how you’ll manage payments on a fixed income. 🔑 Who Needs This? Pre-retirees who are carrying any form of debt and want to ensure they’re financially stable before retirement kicks in. #DebtFreeRetirement #MortgageFree #FinancialFreedom #RetirementPlanning #DebtManagement

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Paying Off Debt in Retirement? Here’s How to Get Ready 🔑 Problem: Carrying debt into retirement—whether it's a mortgage, car loans, or credit card balances—can create stress and limit your financial flexibility. ✅ Solution: 1. Debt Payoff Strategy: Focus on paying off high-interest debt before you retire to free up your retirement income for other needs. 2. Refinance or Downsize: If you have a mortgage, consider refinancing to a lower interest rate or even selling your home to downsize to a more affordable living situation. 3. Create a Post-Retirement Budget: Factor in debt payments when building your retirement budget, and plan for how you’ll manage payments on a fixed income. 🔑 Who Needs This? Pre-retirees who are carrying any form of debt and want to ensure they’re financially stable before retirement kicks in. #DebtFreeRetirement #MortgageFree #FinancialFreedom #RetirementPlanning #DebtManagement

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Protecting Your Assets: How to Shield Your Wealth from Market Volatility 🔑 Problem: Is the thought of market downturns keeping you up at night? Volatility can be a concern for those approaching retirement, especially when you have $500,000 or more to protect. ✅ Solution: 1. Diversification: Ensure that your portfolio has a mix of stocks, bonds, and alternative assets to reduce risk during market fluctuations. 2. Low-Risk Investments: Consider allocating more of your funds to safer investments such as bonds or dividend-paying stocks as you get closer to retirement. 3. Stay the Course: Working with a financial advisor can help you develop a strategy that is resistant to market swings and focused on long-term goals. 🔑 Who Needs This? Retirees or soon-to-be retirees who are concerned about market volatility affecting their wealth. #AssetProtection #MarketVolatility #RetirementPlanning #FinancialSecurity #InvestingWisely While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for important disclosures.

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Protecting Your Assets: How to Shield Your Wealth from Market Volatility 🔑 Problem: Is the thought of market downturns keeping you up at night? Volatility can be a concern for those approaching retirement, especially when you have $500,000 or more to protect. ✅ Solution: 1. Diversification: Ensure that your portfolio has a mix of stocks, bonds, and alternative assets to reduce risk during market fluctuations. 2. Low-Risk Investments: Consider allocating more of your funds to safer investments such as bonds or dividend-paying stocks as you get closer to retirement. 3. Stay the Course: Working with a financial advisor can help you develop a strategy that is resistant to market swings and focused on long-term goals. 🔑 Who Needs This? Retirees or soon-to-be retirees who are concerned about market volatility affecting their wealth. #AssetProtection #MarketVolatility #RetirementPlanning #FinancialSecurity #InvestingWisely While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for important disclosures.

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The Power of Compound Interest: Let Your Money Work for You 🔑 Problem: Do you feel like your savings aren’t growing fast enough? Many preretirees wonder how to accelerate their wealth-building before retirement. ✅ Solution: 1. Start Early: The sooner you invest, the more time your money has to grow through compound interest. Don’t wait to start building your retirement portfolio. 2. Invest Consistently: Even small contributions add up over time. Automate your contributions to retirement accounts to ensure you stay on track. 3. Diversify Your Investments: Spread your investments across various asset classes (stocks, bonds, real estate) to reduce risk and increase the chances of steady growth. 🔑 Who Needs This? Those in their 50s and 60s who want to maximize their remaining working years and create wealth that lasts into retirement. #CompoundInterest #InvestSmart #RetirementPlanning #FinancialFreedom #WealthBuilding Investing involves risk, including the possible loss of principal. While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for important disclosures.

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The Power of Compound Interest: Let Your Money Work for You 🔑 Problem: Do you feel like your savings aren’t growing fast enough? Many preretirees wonder how to accelerate their wealth-building before retirement. ✅ Solution: 1. Start Early: The sooner you invest, the more time your money has to grow through compound interest. Don’t wait to start building your retirement portfolio. 2. Invest Consistently: Even small contributions add up over time. Automate your contributions to retirement accounts to ensure you stay on track. 3. Diversify Your Investments: Spread your investments across various asset classes (stocks, bonds, real estate) to reduce risk and increase the chances of steady growth. 🔑 Who Needs This? Those in their 50s and 60s who want to maximize their remaining working years and create wealth that lasts into retirement. #CompoundInterest #InvestSmart #RetirementPlanning #FinancialFreedom #WealthBuilding Investing involves risk, including the possible loss of principal. While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for important disclosures.

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Concerned About Taxes in Retirement? Let’s Minimize Them! 🔑 Problem: Taxes can be a hidden drain on your retirement income. If you're relying on tax-deferred accounts, withdrawals could create an unexpected tax burden in retirement. ✅ Solution: 1. Roth IRA Conversions: Consider converting some of your tax-deferred retirement funds to a Roth IRA. It may result in a tax hit now, but withdrawals will be tax-free in retirement. 2. Tax-Efficient Withdrawals: Work with an advisor to develop a strategy for withdrawing funds from your retirement accounts in the most tax-efficient way possible. 3. Consult a Tax Professional: A tax professional can help you plan withdrawals and use tax strategies that reduce your overall tax liability. 🔑 Who Needs This? Anyone who has a significant amount of money in tax-deferred accounts like IRAs or 401(k)s and is concerned about how taxes will affect their retirement income. #TaxPlanning #RothIRA #RetirementTaxes #FinancialPlanning #TaxEfficiency State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. 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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Concerned About Taxes in Retirement? Let’s Minimize Them! 🔑 Problem: Taxes can be a hidden drain on your retirement income. If you're relying on tax-deferred accounts, withdrawals could create an unexpected tax burden in retirement. ✅ Solution: 1. Roth IRA Conversions: Consider converting some of your tax-deferred retirement funds to a Roth IRA. It may result in a tax hit now, but withdrawals will be tax-free in retirement. 2. Tax-Efficient Withdrawals: Work with an advisor to develop a strategy for withdrawing funds from your retirement accounts in the most tax-efficient way possible. 3. Consult a Tax Professional: A tax professional can help you plan withdrawals and use tax strategies that reduce your overall tax liability. 🔑 Who Needs This? Anyone who has a significant amount of money in tax-deferred accounts like IRAs or 401(k)s and is concerned about how taxes will affect their retirement income. #TaxPlanning #RothIRA #RetirementTaxes #FinancialPlanning #TaxEfficiency State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. 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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Unsure About Social Security? Maximize Your Benefits! 🔑 Problem: Many are unsure how to maximize Social Security benefits to ensure they get the most out of it in retirement. Do you know the best time to claim and how to make the most of it? ✅ Solution: 1. Delay Benefits for Bigger Payouts: If you can afford it, delaying Social Security until age 70 will increase your monthly benefit significantly. 2. Spousal Strategies: If you’re married, there are strategies to optimize benefits for both spouses. A careful approach could increase the amount you receive. 3. Inflation Protection: Social Security is adjusted for inflation, so it can help keep up with the rising cost of living over time. 🔑 Who Needs This? Individuals in their 60s who are thinking about when to claim Social Security, particularly those who want to ensure they maximize their lifetime benefit while factoring in spousal benefits. #SocialSecurity #RetirementBenefits #MaximizeSocialSecurity #RetirementPlanning Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. See thrivent.com/social for important disclosures.

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Unsure About Social Security? Maximize Your Benefits! 🔑 Problem: Many are unsure how to maximize Social Security benefits to ensure they get the most out of it in retirement. Do you know the best time to claim and how to make the most of it? ✅ Solution: 1. Delay Benefits for Bigger Payouts: If you can afford it, delaying Social Security until age 70 will increase your monthly benefit significantly. 2. Spousal Strategies: If you’re married, there are strategies to optimize benefits for both spouses. A careful approach could increase the amount you receive. 3. Inflation Protection: Social Security is adjusted for inflation, so it can help keep up with the rising cost of living over time. 🔑 Who Needs This? Individuals in their 60s who are thinking about when to claim Social Security, particularly those who want to ensure they maximize their lifetime benefit while factoring in spousal benefits. #SocialSecurity #RetirementBenefits #MaximizeSocialSecurity #RetirementPlanning Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. See thrivent.com/social for important disclosures.

Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

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

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

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.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. thrivent.com/privacy-and-security/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.

Designations

For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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