Skip to main content
  • Thrivent.com
  • MyThrivent
  • Broker Check
Thrivent logo
  • Home
  • About
  • Solutions
  • Insights
Contact Me
  • Home
  • About
  • Solutions
  • Insights
  • Contact Me
  • Thrivent.com
  • MyThrivent
  • Broker Check

Insights

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

Image Read Post

As a financial advisor with Thrivent, I take a holistic approach — helping clients make decisions that align not only with their goals, but also with their values and purpose. It’s not just about investments or retirement accounts. It’s about: ✅ Building confidence in your financial future ✅ Managing risks wisely ✅ Planning with generosity and impact in mind At Thrivent, faith and finance work together — empowering you to live a life full of meaning, not just money. 💬 Message me if you’d like to start a conversation about what a truly holistic financial plan could look like for you. See thrivent.com/social for important disclosure information.

As a financial advisor with Thrivent, I take a holistic approach — helping clients make decisions that align not only with their goals, but also with their values and purpose. It’s not just about investments or retirement accounts. It’s about: ✅ Building confidence in your financial future ✅ Managing risks wisely ✅ Planning with generosity and impact in mind At Thrivent, faith and finance work together — empowering you to live a life full of meaning, not just money. 💬 Message me if you’d like to start a conversation about what a truly holistic financial plan could look like for you. See thrivent.com/social for important disclosure information.

Image Read Post

Many people put all their retirement money in traditional accounts, which means every dollar they take out in retirement is taxed. A Roth conversion allows you to move a portion of those funds into a Roth account — paying taxes now, so you can enjoy tax-free growth and withdrawals later. The real power? Flexibility. ✅ Tax-free income in retirement ✅ No required minimum distributions ✅ Control over future tax exposure As the year wraps up, it’s worth asking — are you positioned for tax-free income in retirement? 📩 Message me if you’d like to explore whether a Roth conversion makes sense before year-end. See thrivent.com/social for important disclosure information. 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.

Many people put all their retirement money in traditional accounts, which means every dollar they take out in retirement is taxed. A Roth conversion allows you to move a portion of those funds into a Roth account — paying taxes now, so you can enjoy tax-free growth and withdrawals later. The real power? Flexibility. ✅ Tax-free income in retirement ✅ No required minimum distributions ✅ Control over future tax exposure As the year wraps up, it’s worth asking — are you positioned for tax-free income in retirement? 📩 Message me if you’d like to explore whether a Roth conversion makes sense before year-end. See thrivent.com/social for important disclosure information. 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.

Image VIEW MORE +
Image

6 year-end financial tasks

The 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.

As the year wraps up, take time to review your finances and set yourself up for success in the year ahead. Tackle the tasks before the deadlines hit.

Image Read Post

💡 Life insurance can be one of the most tax-efficient ways to transfer wealth to the next generation. Here’s why: ✅ Income tax–free — In most cases, life insurance proceeds go to beneficiaries completely free of income tax. ✅ Immediate liquidity — Loved ones receive funds quickly, without waiting for assets to be sold or for probate. ✅ Strategic estate planning — The right policy can help offset estate taxes or equalize inheritance among heirs. It’s a powerful way to leave a legacy that’s protected, efficient, and intentional. If you haven’t reviewed how life insurance fits into your overall wealth transfer strategy, now’s a great time to start. 👉 Message me if you’d like to learn more about how it can benefit your family’s long-term plan. #LegacyPlanning #WealthTransfer #FinancialAdvisor #LifeInsurance #TaxEfficient #FinancialPlanning #FamilyWealth #RetirementStrategy See thrivent.com/social for important disclosure information.

💡 Life insurance can be one of the most tax-efficient ways to transfer wealth to the next generation. Here’s why: ✅ Income tax–free — In most cases, life insurance proceeds go to beneficiaries completely free of income tax. ✅ Immediate liquidity — Loved ones receive funds quickly, without waiting for assets to be sold or for probate. ✅ Strategic estate planning — The right policy can help offset estate taxes or equalize inheritance among heirs. It’s a powerful way to leave a legacy that’s protected, efficient, and intentional. If you haven’t reviewed how life insurance fits into your overall wealth transfer strategy, now’s a great time to start. 👉 Message me if you’d like to learn more about how it can benefit your family’s long-term plan. #LegacyPlanning #WealthTransfer #FinancialAdvisor #LifeInsurance #TaxEfficient #FinancialPlanning #FamilyWealth #RetirementStrategy See thrivent.com/social for important disclosure information.

Image VIEW MORE +
Image

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

Whether 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.

Learn how to decide where to keep your cash holdings based on the purpose and timing of your money—especially when interest rates begin to fall.

Image VIEW MORE +
Image

Thrivent Social Media Privacy Policy, Guidelines, Disclosures & Disclaimers

Most people plan for retirement income, investments, and taxes… but almost no one plans for care. If one spouse needs long-term care, it can drain the savings meant for both of you — and leave your family carrying the weight. Having a plan in place isn’t just about protecting your money — it’s about protecting your family. 👉 Message me if you’d like to learn what options are available for extended care planning. #RetirementPlanning #ExtendedCare #FinancialSecurity #FamilyFirst #FinancialAdvisor #PlanAhead #FinancialClarity See thrivent.com/social for important disclosure information.

Learn more about Thrivent's social media privacy policy and guidelines.

Image VIEW MORE +
Image

2026 Social Security COLA increase: What future retirees should know

You 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.

As retirement approaches, many Americans are navigating a landscape that feels uncertain. Rising costs, shifting markets and questions about long-term...

Image Read Post

You don’t have to be a genius to build wealth. 📈 Increase your cash flow (earn more, spend less) 💰 Invest as much as you can ⏳ Do it consistently over time Wealth isn’t about luck — it’s about steady habits and smart decisions. If you’d like to learn more about how to put these principles into practice, message me anytime. #WealthBuilding #FinancialFreedom #RetirementPlanning #InvestSmart #MoneyMindset #FinancialAdvisor #ConsistencyWins #BuildingWealth #FinancialGoals #SmartMoneyMoves See thrivent.com/social for important disclosure information.

You don’t have to be a genius to build wealth. 📈 Increase your cash flow (earn more, spend less) 💰 Invest as much as you can ⏳ Do it consistently over time Wealth isn’t about luck — it’s about steady habits and smart decisions. If you’d like to learn more about how to put these principles into practice, message me anytime. #WealthBuilding #FinancialFreedom #RetirementPlanning #InvestSmart #MoneyMindset #FinancialAdvisor #ConsistencyWins #BuildingWealth #FinancialGoals #SmartMoneyMoves See thrivent.com/social for important disclosure information.

Image Read Post

Most people think if you touch your 401(k) before 59½, you automatically get hit with a 10% penalty... but that’s not always true! 👇 Here are a few ways people can access their retirement funds early without the penalty: 🔹 Rule of 55 – Leave your job in or after the year you turn 55? You can take penalty-free withdrawals from that employer’s 401(k). 🔹 Roth Conversions – Move funds into a Roth IRA. Once converted and seasoned for 5 years, your contributions can be accessed tax- and penalty-free. 🔹 72(t) Rule (Substantially Equal Payments) – Take fixed annual payments based on your life expectancy. It’s strict but penalty-free if done right. 🔹 Hardship Withdrawals – Certain financial hardships can also allow early access without penalties. These strategies can be powerful tools — but they also come with rules and trade-offs. 💬 Message me if you’d like to talk through which option might fit your situation best! #RetirementPlanning #401k #FinancialFreedom #WealthBuilding #RothIRA #RuleOf55 #MoneyMatters #FinancialAdvisor #SmartRetirementMoves See thrivent.com/social for important disclosure information.

Most people think if you touch your 401(k) before 59½, you automatically get hit with a 10% penalty... but that’s not always true! 👇 Here are a few ways people can access their retirement funds early without the penalty: 🔹 Rule of 55 – Leave your job in or after the year you turn 55? You can take penalty-free withdrawals from that employer’s 401(k). 🔹 Roth Conversions – Move funds into a Roth IRA. Once converted and seasoned for 5 years, your contributions can be accessed tax- and penalty-free. 🔹 72(t) Rule (Substantially Equal Payments) – Take fixed annual payments based on your life expectancy. It’s strict but penalty-free if done right. 🔹 Hardship Withdrawals – Certain financial hardships can also allow early access without penalties. These strategies can be powerful tools — but they also come with rules and trade-offs. 💬 Message me if you’d like to talk through which option might fit your situation best! #RetirementPlanning #401k #FinancialFreedom #WealthBuilding #RothIRA #RuleOf55 #MoneyMatters #FinancialAdvisor #SmartRetirementMoves See thrivent.com/social for important disclosure information.

Image Read Post
Image

With rates starting to decline, now is a great time to think about what's next for your cash. Whether you want to keep funds liquid, generate income or save for a future goal, now’s a great time to put your savings to work. Together, let’s review your goals and liquidity needs to maximize your money’s potential. See thrivent.com/social for important disclosures.

Image

With rates starting to decline, now is a great time to think about what's next for your cash. Whether you want to keep funds liquid, generate income or save for a future goal, now’s a great time to put your savings to work. Together, let’s review your goals and liquidity needs to maximize your money’s potential. 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.

Thrivent logo

Copyright: © 2025 Thrivent. All rights reserved.