Managing risks to your retirement savings doesn't have to be complicated. You can maximize your guaranteed income sources, prepare for market volatility and have a mindful withdrawal plan. Here are important things to consider: https://bit.ly/4idtvKz
If you'd like to discuss your unique retirement risk factors, let's set up a meeting.
As tax season approaches, here’s your reminder to get started ahead of time.
Here are four reasons to file early:
✅ Faster tax refunds
✅ Extra time to make a payment if you owe
✅ Reduce risk of someone else pocketing your refund
✅ Avoid tax deadline stress or having to file an extension
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Risk tolerance. Investment budget. Diversification. Tax implications.
Have these topics been on your mind lately? Together, we can review your financial picture and design a plan that can help you reach your short- and long-term goals.
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Is winter weather still keeping you inside? ❄️ Use the time to check a few things off your list:
✅ Organize your financial documents
✅ Make a tax filing plan
✅ Understand how your taxes fit into your bigger picture
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Can you claim early Social Security benefits? Reach out to learn more about taking Social Security benefits at age 62.
Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.
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As you help your child prepare for college, make sure to add the FAFSA to your to-do list. By submitting the application, you can help maximize the financial aid support and avoid surprises. Learn more: https://bit.ly/4gkcb54
Paying for a college degree may involve leaning on loans to help cover the costs. Choosing the right type of loan for you can bring more affordable payments and savings on interest charges. Learn more: https://bit.ly/40EMK8d
Snowball method - Pay off smallest debt first. Quick wins, big motivation.
Avalanche method - Pay off highest-interest debt first. Save more long-term.
Which debt repayment method appeals to you? Here to talk through your options and find a debt escape plan that works for you.
Starting financial conversations at home is key. 🔑 Many parents wish they’d learned more about money as kids – teaching small lessons on budgeting, saving, and investing now can help change that for future generations.
Today we recognize the life and leadership of Dr. Martin Luther King Jr. What acts of service can you do in your community to honor his legacy?
Help build your kids a path to success by teaching them financial literacy early on. You can help empower them with a strong financial foundation that will give them confidence for future money management.
Happy New Year!🥂🎉
The holiday season is a special time of year – it warms our hearts, lights up our souls, and reminds us of all what truly matters. The conversations we have had with you, our dear clients, this season have also been a blessing and a light in our business. So many of you are planning for the next generation, making beautiful memories in retirement, starting businesses, and caring for your loved ones. We love being part of this process of planning and preparing with you! Thank you for gifting us with these conversations, trust, and your partnership. We look forward to serving you in more ways this coming year. “May the God of hope fill you with all joy and peace as you trust in him, so you may overflow with hope by the power of the Holy Spirit.” (Romans 15:13)
Now is the time to review your finances and set yourself up for success in 2025. Here are some action items you may want to consider:
• Assess progress on your financial goals and determine if adjustments are needed.
• Ensure your minimum required amount of RMDs are withdrawn from retirement accounts.
• Make additional charitable contributions by year-end to potentially reduce tax liabilities.
• Review and update beneficiary designations on bank and retirement accounts, life insurance policies and annuities.
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Gratitude fills our hearts today as we celebrate the season with our loved ones. As we reflect on the last year, our team is grateful for YOU! You make our job worth doing. We are honored to serve you and your family in a way that impacts your daily life, and generations to come. If you have a family member or friend that we should meet, please consider referring them to the financial advisor you work with. We consider it an honor to continue your legacy through thoughtful planning. We are continually grateful to be entrusted with these relationships, and we consider it to be the greatest give that we can receive! May Joy, Peace, and Love fill your conversations and your home this season as you spend time with those that you treasure!
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It's beginning to look a lot like ... a great time to determine if these financial steps are right for you.
As we approach the end of 2024, make sure to review your financial checklist for any outstanding tasks you still need to complete. Here are some helpful reminders.