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Helping first responders manage financial stress requires a multi-pronged, practical approach: Acknowledge the pressure: Recognize how financial concerns can affect mood, sleep, and focus. Tap into support resources: Explore employer or community financial counseling, debt‑management tools, and educational workshops. Build a clear budget: Track income and expenses, prioritize essentials, and carve out savings and emergency reserves. Define realistic goals: Set measurable, short‑ and long‑term objectives—such as paying down debt or saving for retirement—and celebrate incremental wins. Tackle debt strategically: Aim at high‑interest balances first, consider consolidation, and negotiate improved repayment terms. Include holistic self‑care: Habitual stress management—like rest, exercise, or connecting with loved ones—reinforces overall resilience and supports financial decision-making. By combining support access, structured planning, goal setting, debt reduction, and wellness practices, first responders can navigate financial challenges and strengthen their financial posture. 📌 No products will be sold. See thrivent.com/social for important disclosures.

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Helping first responders manage financial stress requires a multi-pronged, practical approach: Acknowledge the pressure: Recognize how financial concerns can affect mood, sleep, and focus. Tap into support resources: Explore employer or community financial counseling, debt‑management tools, and educational workshops. Build a clear budget: Track income and expenses, prioritize essentials, and carve out savings and emergency reserves. Define realistic goals: Set measurable, short‑ and long‑term objectives—such as paying down debt or saving for retirement—and celebrate incremental wins. Tackle debt strategically: Aim at high‑interest balances first, consider consolidation, and negotiate improved repayment terms. Include holistic self‑care: Habitual stress management—like rest, exercise, or connecting with loved ones—reinforces overall resilience and supports financial decision-making. By combining support access, structured planning, goal setting, debt reduction, and wellness practices, first responders can navigate financial challenges and strengthen their financial posture. 📌 No products will be sold. See thrivent.com/social for important disclosures.

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From the Fairways of California to the Peaks of Colorado: A Week of Purpose and Partnership The past few days have been an incredible journey—starting with a win at a charity golf tournament in California, supporting wildfire relief efforts, and culminating in an inspiring time at the Colorado Association of Chiefs of Police Annual Conference in Estes Park. At the conference, I had the privilege of engaging with Colorado's police leadership, discussing ways to support the brave men and women in law enforcement. The event provided valuable insights into the challenges faced by our officers and the importance of providing them with the necessary resources and support. These experiences have reinforced my commitment to collaborating with law enforcement agencies to develop solutions that address their unique needs. By working together, we can ensure that our officers are equipped to serve and protect our communities effectively. I'm eager to continue building these partnerships and exploring innovative ways to support our law enforcement professionals. #LawEnforcement #CommunitySupport #PublicSafety #Leadership #Collaboration

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From the Fairways of California to the Peaks of Colorado: A Week of Purpose and Partnership The past few days have been an incredible journey—starting with a win at a charity golf tournament in California, supporting wildfire relief efforts, and culminating in an inspiring time at the Colorado Association of Chiefs of Police Annual Conference in Estes Park. At the conference, I had the privilege of engaging with Colorado's police leadership, discussing ways to support the brave men and women in law enforcement. The event provided valuable insights into the challenges faced by our officers and the importance of providing them with the necessary resources and support. These experiences have reinforced my commitment to collaborating with law enforcement agencies to develop solutions that address their unique needs. By working together, we can ensure that our officers are equipped to serve and protect our communities effectively. I'm eager to continue building these partnerships and exploring innovative ways to support our law enforcement professionals. #LawEnforcement #CommunitySupport #PublicSafety #Leadership #Collaboration

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The Financial Reality Facing Law Enforcement Families In working with first responders, I’ve seen firsthand how financial stress can quietly build over the course of a career—not just at the beginning or near retirement, but in the long middle years when life is the most demanding. Many in law enforcement are under increasing financial pressure—balancing demanding shifts, family responsibilities, and rising costs of living. The weight often falls not just on the officer, but on the entire household. Too often, financial wellness is addressed only at the start of a career or during separation planning. But the 20–30 years in between? That’s when consistent, trustworthy support matters most. Helping law enforcement professionals and their families build clarity and confidence in their financial decisions doesn’t just improve outcomes—it relieves one more source of stress in a job already full of it. If you’re serving in uniform—or supporting someone who is—make sure there’s a strategy in place not just for today, but for the years ahead. And make sure you’re working with someone who understands the unique demands of the job. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialPlanning #RetirementPlanning #PublicService #Wellness #PurposeDrivenPlanning

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The Financial Reality Facing Law Enforcement Families In working with first responders, I’ve seen firsthand how financial stress can quietly build over the course of a career—not just at the beginning or near retirement, but in the long middle years when life is the most demanding. Many in law enforcement are under increasing financial pressure—balancing demanding shifts, family responsibilities, and rising costs of living. The weight often falls not just on the officer, but on the entire household. Too often, financial wellness is addressed only at the start of a career or during separation planning. But the 20–30 years in between? That’s when consistent, trustworthy support matters most. Helping law enforcement professionals and their families build clarity and confidence in their financial decisions doesn’t just improve outcomes—it relieves one more source of stress in a job already full of it. If you’re serving in uniform—or supporting someone who is—make sure there’s a strategy in place not just for today, but for the years ahead. And make sure you’re working with someone who understands the unique demands of the job. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialPlanning #RetirementPlanning #PublicService #Wellness #PurposeDrivenPlanning

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Serving Those Who Serve: The Critical Role of Financial Planning for First Responders First responders dedicate their lives to protecting our communities—often facing unpredictable schedules, high stress, and physical risk. Yet when it comes to their own financial futures, many are navigating complex benefit systems, unique retirement structures, and evolving needs with limited guidance. Having worked alongside and within this community, I’ve seen firsthand how essential tailored financial planning is. From understanding pension options and deferred comp plans like 457(b)s, to preparing for earlier-than-average retirements, or planning for long-term care and disability—first responders face a financial landscape that demands a customized approach. A few key considerations I highlight in every planning conversation: -The importance of integrating employer-sponsored benefits with personal financial goals. -Navigating early retirement options while balancing longevity and lifestyle. -Planning for the mental and emotional impact of career transition—because financial wellness is part of total wellness. -Building a plan that can adapt to the high demands and changing needs of the profession. Financial planning for first responders isn’t one-size-fits-all—it’s personal, intentional, and built with a deep understanding of their unique path. If you or someone you know is navigating this journey and has questions, I’m always open to a conversation. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialPlanning #RetirementPlanning #PublicService #Wellness #PurposeDrivenPlanning

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Serving Those Who Serve: The Critical Role of Financial Planning for First Responders First responders dedicate their lives to protecting our communities—often facing unpredictable schedules, high stress, and physical risk. Yet when it comes to their own financial futures, many are navigating complex benefit systems, unique retirement structures, and evolving needs with limited guidance. Having worked alongside and within this community, I’ve seen firsthand how essential tailored financial planning is. From understanding pension options and deferred comp plans like 457(b)s, to preparing for earlier-than-average retirements, or planning for long-term care and disability—first responders face a financial landscape that demands a customized approach. A few key considerations I highlight in every planning conversation: -The importance of integrating employer-sponsored benefits with personal financial goals. -Navigating early retirement options while balancing longevity and lifestyle. -Planning for the mental and emotional impact of career transition—because financial wellness is part of total wellness. -Building a plan that can adapt to the high demands and changing needs of the profession. Financial planning for first responders isn’t one-size-fits-all—it’s personal, intentional, and built with a deep understanding of their unique path. If you or someone you know is navigating this journey and has questions, I’m always open to a conversation. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialPlanning #RetirementPlanning #PublicService #Wellness #PurposeDrivenPlanning

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🔹 The Hard Truth About Police Retirement 🔹 Many officers look forward to retirement as a time to rest and enjoy the rewards of years of service. But for too many, the financial side of retirement doesn't look the way they expected. After decades of protecting and serving, some retirees find themselves facing a tough reality: either drastically reduce their lifestyle or find another job to make ends meet. This isn't due to a lack of discipline or sacrifice—it often comes down to a lack of planning, limited resources, or not fully understanding how retirement income actually works. ✅ Here's the good news: with the right strategies in place before retirement, it's possible to build a plan that aligns with your values, priorities, and goals. Whether you’re a new officer or approaching the end of your career, it’s never too early—or too late—to start building for the road ahead. 📌 No products will be sold. See thrivent.com/social for important disclosures. #PoliceRetirement #FirstResponderWellness #FinancialPlanning #LawEnforcementLife #RetirementReady #PlanWithPurpose

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🔹 The Hard Truth About Police Retirement 🔹 Many officers look forward to retirement as a time to rest and enjoy the rewards of years of service. But for too many, the financial side of retirement doesn't look the way they expected. After decades of protecting and serving, some retirees find themselves facing a tough reality: either drastically reduce their lifestyle or find another job to make ends meet. This isn't due to a lack of discipline or sacrifice—it often comes down to a lack of planning, limited resources, or not fully understanding how retirement income actually works. ✅ Here's the good news: with the right strategies in place before retirement, it's possible to build a plan that aligns with your values, priorities, and goals. Whether you’re a new officer or approaching the end of your career, it’s never too early—or too late—to start building for the road ahead. 📌 No products will be sold. See thrivent.com/social for important disclosures. #PoliceRetirement #FirstResponderWellness #FinancialPlanning #LawEnforcementLife #RetirementReady #PlanWithPurpose

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🚨It’s National Police Week—something I’ll never overlook🚨 When I was working in law enforcement, it often felt like every day was “National Something Day”—but not enough people were publicly recognizing the sacrifice and service of the men and women behind the badge. Now that I’m no longer in the profession, I find myself even more intentional about celebrating it. I know what it takes. The long nights, the missed holidays, the weight of the job—and still showing up humbly to serve your community. To all those who wear the badge with integrity and compassion: THANK YOU! You don’t do it for recognition, but you deserve it all the same. This week, and every week, I’m grateful for you. #NationalPoliceWeek #LawEnforcement #HonorTheBadge #ThankYou #FirstResponders #Code4Life #NeverForget

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🚨It’s National Police Week—something I’ll never overlook🚨 When I was working in law enforcement, it often felt like every day was “National Something Day”—but not enough people were publicly recognizing the sacrifice and service of the men and women behind the badge. Now that I’m no longer in the profession, I find myself even more intentional about celebrating it. I know what it takes. The long nights, the missed holidays, the weight of the job—and still showing up humbly to serve your community. To all those who wear the badge with integrity and compassion: THANK YOU! You don’t do it for recognition, but you deserve it all the same. This week, and every week, I’m grateful for you. #NationalPoliceWeek #LawEnforcement #HonorTheBadge #ThankYou #FirstResponders #Code4Life #NeverForget

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💐Happy Mother’s Day to the real heroes behind the scenes💐 As someone who spent over a decade in law enforcement and now works with first responders and families on their financial wellness, I’ve seen firsthand the incredible strength and sacrifice of mothers—especially those supporting our everyday heroes. Whether they’re holding it down at home while a spouse works a night shift, raising resilient kids, or serving on the front lines themselves, moms embody courage, compassion, and quiet strength. To my wife Kara—watching you step into motherhood has been one of the greatest honors of my life. Our little one is lucky to have you. To all the moms in uniform, behind the badge, or simply holding it all together: thank you. Your love is a calling too. #MothersDay #FirstResponderFamilies #Code4Life #FinancialWellness #FamilyFirst

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💐Happy Mother’s Day to the real heroes behind the scenes💐 As someone who spent over a decade in law enforcement and now works with first responders and families on their financial wellness, I’ve seen firsthand the incredible strength and sacrifice of mothers—especially those supporting our everyday heroes. Whether they’re holding it down at home while a spouse works a night shift, raising resilient kids, or serving on the front lines themselves, moms embody courage, compassion, and quiet strength. To my wife Kara—watching you step into motherhood has been one of the greatest honors of my life. Our little one is lucky to have you. To all the moms in uniform, behind the badge, or simply holding it all together: thank you. Your love is a calling too. #MothersDay #FirstResponderFamilies #Code4Life #FinancialWellness #FamilyFirst

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Financial stress among first responders is a growing concern — and one that deserves more attention. Irregular schedules, overtime variability, and the psychological demands of the job can make personal financial management especially challenging in public safety professions. Over time, this can contribute to higher levels of stress, both on and off duty. Key strategies that may help include: • Building a structured monthly budget • Establishing an emergency savings reserve • Automating key financial decisions where possible • Taking advantage of employer-sponsored benefits • Setting clear, realistic short- and long-term goals Addressing financial health is not only a personal benefit — it’s part of sustaining overall wellness and long-term readiness in the field. While the profession comes with unique demands, practical and consistent planning can make a meaningful difference. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialWellness #PublicSafety #BehavioralHealth #FinancialEducation #RetirementReadiness

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Financial stress among first responders is a growing concern — and one that deserves more attention. Irregular schedules, overtime variability, and the psychological demands of the job can make personal financial management especially challenging in public safety professions. Over time, this can contribute to higher levels of stress, both on and off duty. Key strategies that may help include: • Building a structured monthly budget • Establishing an emergency savings reserve • Automating key financial decisions where possible • Taking advantage of employer-sponsored benefits • Setting clear, realistic short- and long-term goals Addressing financial health is not only a personal benefit — it’s part of sustaining overall wellness and long-term readiness in the field. While the profession comes with unique demands, practical and consistent planning can make a meaningful difference. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponders #FinancialWellness #PublicSafety #BehavioralHealth #FinancialEducation #RetirementReadiness

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🚨 The Financial Truth Every First Responder Should Know 🚨 Crafted in accordance with FINRA Rule 2210. Balanced. Educational. Non-Promissory. In law enforcement and public safety, your career demands everything — your time, your energy, your health. But what about your financial future? Too often, financial planning gets deferred. Not because first responders lack discipline — but because few are ever taught how financial systems intersect with the unique trajectory of a law enforcement career. Here’s the hard truth: 📌 Delaying your financial plan can cost more than just dollars — it costs options. Financially successful first responders don’t get there by accident. They: ✅ Make intentional decisions early in their careers ✅ Understand their pension benefits — and the risks of cashing out too soon ✅ Know how to layer retirement strategies (457(b), 401(a), IRAs) ✅ Prepare for disruptions — medical events, injury, burnout, or career pivots ✅ Prioritize long-term clarity over short-term convenience The most common regret? Not starting sooner. Not asking questions earlier. Not having a strategy in place when opportunities — or emergencies — arrive. If you're a first responder, your mission-driven work deserves a mission-aligned financial plan. One built with purpose, not pressure 📌 No products will be sold. See thrivent.com/social for important disclosures.

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🚨 The Financial Truth Every First Responder Should Know 🚨 Crafted in accordance with FINRA Rule 2210. Balanced. Educational. Non-Promissory. In law enforcement and public safety, your career demands everything — your time, your energy, your health. But what about your financial future? Too often, financial planning gets deferred. Not because first responders lack discipline — but because few are ever taught how financial systems intersect with the unique trajectory of a law enforcement career. Here’s the hard truth: 📌 Delaying your financial plan can cost more than just dollars — it costs options. Financially successful first responders don’t get there by accident. They: ✅ Make intentional decisions early in their careers ✅ Understand their pension benefits — and the risks of cashing out too soon ✅ Know how to layer retirement strategies (457(b), 401(a), IRAs) ✅ Prepare for disruptions — medical events, injury, burnout, or career pivots ✅ Prioritize long-term clarity over short-term convenience The most common regret? Not starting sooner. Not asking questions earlier. Not having a strategy in place when opportunities — or emergencies — arrive. If you're a first responder, your mission-driven work deserves a mission-aligned financial plan. One built with purpose, not pressure 📌 No products will be sold. See thrivent.com/social for important disclosures.

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🚨 Burnout Doesn’t End at Retirement—It Can Shape It In high-stress professions like law enforcement, fire, and EMS, the physical demands of the job are well known. But the financial impact of burnout is often overlooked. Chronic stress, poor sleep, and accumulated trauma can lead to long-term health challenges, which may increase healthcare expenses, reduce the ability to work longer, and potentially lead to drawing down retirement assets earlier than anticipated. The connection between occupational wellness and long-term financial stability is real—and it matters. Financial planning in these careers shouldn’t just focus on investments or income. It should also account for the possibility of earlier-than-expected retirement, health-related costs, and sustainable cash flow under uncertain conditions. If you serve in a role that puts others first, make sure your plan is designed to support you—no matter when the job ends. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponderFinance #FinancialWellness #RetirementPlanning #OccupationalHealth #BurnoutAwareness #PublicSafetyProfessionals #FinancialPlanning

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🚨 Burnout Doesn’t End at Retirement—It Can Shape It In high-stress professions like law enforcement, fire, and EMS, the physical demands of the job are well known. But the financial impact of burnout is often overlooked. Chronic stress, poor sleep, and accumulated trauma can lead to long-term health challenges, which may increase healthcare expenses, reduce the ability to work longer, and potentially lead to drawing down retirement assets earlier than anticipated. The connection between occupational wellness and long-term financial stability is real—and it matters. Financial planning in these careers shouldn’t just focus on investments or income. It should also account for the possibility of earlier-than-expected retirement, health-related costs, and sustainable cash flow under uncertain conditions. If you serve in a role that puts others first, make sure your plan is designed to support you—no matter when the job ends. 📌 No products will be sold. See thrivent.com/social for important disclosures. #FirstResponderFinance #FinancialWellness #RetirementPlanning #OccupationalHealth #BurnoutAwareness #PublicSafetyProfessionals #FinancialPlanning

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