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Lucas Kosters

Advisor Image
Lucas Kosters
Financial Associate
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Part of the Heritage Financial Associates practice
About Lucas Kosters
About Lucas Kosters

Hello! I am an Associate Representative with Thrivent in Sauk Centre and Alexandria, Minnesota. After being a teacher and administrator for 23 years in the Alexandria and Sauk Centre school districts, I decided on a new career path with Thrivent.  This career allows me to use my teaching skills to help clients reach their financial goals. I am excited to get to know new clients and make them aware of ways that I can help them gain financial clarity through a trusted partnership. Thrivent offers financial advice, insurance, investments, and ways to encourage generosity through giving. It is a Christian member organization that has been around for over 120 years. I would love to meet you and share more about who I am and how I can be a financial resource for you and your family.  My wife and I have 4 amazing kids - Aubrey, Brynn, Camden, and Rogan. I love spending time with my family on the lakes, coaching and watching sports events, and being involved in my community. I look forward to meeting you!

My qualifications
  • Masters of Education, St. Mary’s University
  • Bachelors of Education, University of Mary
  • Education Administration, ST. CLOUD STATE UNIVERSITY
  • Series 6 - Investment Company Products and Variable Contracts Limited Representative
  • Series 63 - Licensed Securities Agent
  • Securities Industry Essentials
My state licenses
  • Colorado
  • Minnesota
  • North Dakota
  • South Dakota

Insights

What is a multi-year guaranteed annuity (MYGA) & how does it work?
What is a multi-year guaranteed annuity (MYGA) & how does it work?Which one of the following tools have you used to help add predictability to your portfolio during periods of market uncertainty? 1. Certificate of deposit (CD) 2. High-yield savings account 3. Multi-Year Guarantee Annuity (MYGA) If you’ve never heard of a MYGA before, you’re not alone. Let’s explore what it is and how it might work for you. 36386k
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We had a fantastic morning meeting people at Jitters Java Cafe in Sauk Centre today! We partnered with Smiles for Jake to raise awareness about the organization and its mental health resources that they provide for middle and high school students. Jitters was gracious and matched all donations that came in for Smiles for Jake today!
March 2026 Market Update: Wobbling stocks, stronger bonds
March 2026 Market Update: Wobbling stocks, stronger bondsMarkets shifted in February, and that matters for how portfolios are positioned today. Thrivent's March Market Update explains what drove stock volatility, why bonds strengthened, and how we’re thinking about risk and diversification moving forward.
Office locations
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.

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