New Year Goal-Setting & Intentions
🎉 Happy New Year’s Eve!
As we welcome 2026, think about setting financial intentions, not just resolutions. Consider budgeting, savings, investing, and protecting what matters most.
💬 What’s one financial goal or intention you’re committing to for 2026?
📎 See thrivent.com/social for important disclosures.
Year-End Reflection & Lessons Learned
📆 As 2025 comes to a close, it’s the perfect time to reflect on your financial journey this year.
💡 Questions to consider: What worked well? What would you do differently? How can you build on your wins in 2026?
👉 Share one financial lesson you learned this year—it might help someone else!
📎 See thrivent.com/social for important disclosures.
Look Ahead to 2026: Goal‑Setting & Strategy
📅 The new year is almost here! Let’s begin thinking ahead: emergency fund status, retirement plan, tax strategy, and purpose for next year’s finances.
👉 What’s one financial goal you’re setting for 2026?
📎 See thrivent.com/social for important disclosures.
Holiday Pause & Financial Reflection
🎄 With the holidays around the corner, take a moment to reflect: What financial wins did you have this year? What will you improve next year?
💬 Share one win (big or small)
📎 See thrivent.com/social for important disclosures.
Last‑Minute Year‑End Financial Moves
📋 With only days left in 2025, now’s the time to finalize benefit contributions, make charitable gifts, update estate documents, and lock in setting for next year.
👉 What’s your #1 task this week?
📎 See thrivent.com/social for important disclosures.
Review Your Insurance Coverage
🔍 End‑of‑year tip: Review life, disability, home, and auto insurance. Coverage gaps often show up during major life events.
👉 When was your last insurance check‑up?
📎 See thrivent.com/social for important disclosures.
Business Owners & Succession Planning
🏢 For business owners: The end of the year is a smart time to review ownership structure, buy‑sell agreements, and exit strategies.
👉 Business owners: what’s your biggest strategic goal going into next year?
📎 See thrivent.com/social for important disclosures.
Charitable Giving & Legacy
🎗️ ‘Tis the season to give—not just gifts, but time and money. Strategic giving before 12/31 can have both impact and tax benefit.
👉 Which charitable act (big or small) made the biggest difference for you?
📎 See thrivent.com/social for important disclosures.
Holiday Travel & Financial Planning
✈️ Travel, gifts, meals—it all adds up. A tip: build a mini “holiday” budget category and fund it with automatic transfers.
👉 What’s your #1 travel expense you try to budget in advance?
📎 See thrivent.com/social for important disclosures.
Investing & Market Check‑In
📈 The year-end is a good time to review your investment portfolio: re‑balance, check expense ratios, and align with your risk tolerance.
👉 What’s one investing question you have for me (or another advisor)?
📎 See thrivent.com/social for important disclosures.
Emergency Fund Reminder Before Year‑End
💡 Before the holiday rush, verify your emergency fund is still intact. 40% of Americans couldn’t cover a $400 emergency. (Source: various)
👉 What’s one expense you’d feel comfortable handling without tapping a credit card?
📎 See thrivent.com/social for important disclosures.
Year‑End Tax Moves & Benefit Maximizing”
🧾 December is one of the last months to max out flexible spending accounts (FSAs), review 401(k) contributions, and plan charitable giving for maximum tax benefit.
(Source: Sherman Wealth Management)
👉 Which benefit do you need to check on this month?
📎 See thrivent.com/social for important disclosures.
Holiday Gifting vs. Financial Goals”
🎁 Fun fact: The average holiday spend per person is rising each year. (Source: Holiday spending studies)
👉 One financial rule I follow: I use 80% of my gifting budget for presents, 20% for experiences or surprises. What’s yours?
📎 See thrivent.com/social for important disclosures.
Start of Holiday Financial Check‑In
🎄 December means both celebrations and expenses. Now’s a good time to check your budget, review year‑to‑date savings, and set a spending envelope for the holidays.
📎 See thrivent.com/social for important disclosures.
Year‑End Bonus & Savings Habit
💼 Many receive year‑end bonuses (or anticipate them). Rule of thumb: Allocate at least 50% toward goals (debt, savings, investing), allow 10‑20% for fun.
👉 If you got (or expect) a bonus, what’s your priority for it?
📎 See thrivent.com/social for important disclosures.
Black Friday / Holiday Shopping Strategy”
🛍️ Sales are everywhere. But impulse buys often lead to regret. Tip: Set a spending limit before you shop.
👉 What’s your best holiday shopping tip?
📎 See thrivent.com/social for important disclosures.
Thanksgiving Prep & Financial Gratitude”
🍂 As we approach Thanksgiving (Nov 27), remember budget for the celebration too. Costs add up fast.
💬 What does financial gratitude mean to you?
📎 See thrivent.com/social for important disclosures.
Estate Planning Reminder
📝 Not just for the wealthy: updating wills, trusts, beneficiary designations matter for everyone.
👉 When did you last review yours?
📎 See thrivent.com/social for important disclosures.
National Philanthropy Day (Nov 15) & Giving Back Smartly
❤️ On National Philanthropy Day we celebrate giving. Did you know strategic giving can offer tax advantages and community impact?
👉 What cause matters most to you—and why?
📎 See thrivent.com/social for important disclosures.
Mid‑Month Money Habit Review
💡 Try this: Track your spending for 30 minutes. You’ll often spot leaks—subscriptions you forgot, small purchases that add up.
👉 Found a money leak in past weeks? Share it!
📎 See thrivent.com/social for important disclosures.
