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Changing careers or stepping away from work? Make sure your money leaves with you the right way. ✔️ Old 401(k)s ✔️ Stock options ✔️ Pensions ✔️ Healthcare continuation Nearly 25% of Americans don’t know what happens to their retirement benefits after leaving a job. Let's fix that. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Transamerica Center for Retirement Studies — Full study here See thrivent.com/social for important disclosures.
Changing careers or stepping away from work? Make sure your money leaves with you the right way. ✔️ Old 401(k)s ✔️ Stock options ✔️ Pensions ✔️ Healthcare continuation Nearly 25% of Americans don’t know what happens to their retirement benefits after leaving a job. Let's fix that. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Transamerica Center for Retirement Studies — Full study here See thrivent.com/social for important disclosures.

Thinking of retiring soon? You're not alone. 🔹 An estimated 4.1 million people retire each year in the U.S. 🔹 Yet 40% of retirees wish they had started planning earlier. The transition into retirement is more than just numbers. It’s strategy, taxes, timing — and confidence. Let’s get ahead of it together. First conversation is always complimentary. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Employee Benefit Research Institute, EBRI 2024 Retirement Confidence Survey See thrivent.com/social for important disclosures.
Thinking of retiring soon? You're not alone. 🔹 An estimated 4.1 million people retire each year in the U.S. 🔹 Yet 40% of retirees wish they had started planning earlier. The transition into retirement is more than just numbers. It’s strategy, taxes, timing — and confidence. Let’s get ahead of it together. First conversation is always complimentary. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Employee Benefit Research Institute, EBRI 2024 Retirement Confidence Survey See thrivent.com/social for important disclosures.

Lost your job or planning to make a change? Did you know: ➡️ 29% of people cash out their 401(k) within the first year of leaving a job? ➡️ On average, this can cost you 35–40% in taxes and penalties. Don't leave your future up to chance or the IRS. Let’s protect and grow what you’ve already earned. I’ll show you how. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Vanguard, “How America Saves” — Read more See thrivent.com/social for important disclosures.
Lost your job or planning to make a change? Did you know: ➡️ 29% of people cash out their 401(k) within the first year of leaving a job? ➡️ On average, this can cost you 35–40% in taxes and penalties. Don't leave your future up to chance or the IRS. Let’s protect and grow what you’ve already earned. I’ll show you how. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com 📊 Source: Vanguard, “How America Saves” — Read more See thrivent.com/social for important disclosures.


Required Minimum Distributions – Ready or Not… ⏳ At age 73, the IRS starts forcing you to take Required Minimum Distributions (RMDs) from your retirement accounts. (Source: IRS.gov – RMD Age Change) Didn’t plan for that tax hit? You’re not alone. And penalties for missing them? Up to 25%! ⚠️ RMDs can be managed strategically—with the right guidance. Let’s talk before Uncle Sam takes a bigger bite than necessary. #RMDsExplained #TaxSmartRetirement #MoneyMovesInRetirement See thrivent.com/social for important disclosures.

Required Minimum Distributions – Ready or Not… ⏳ At age 73, the IRS starts forcing you to take Required Minimum Distributions (RMDs) from your retirement accounts. (Source: IRS.gov – RMD Age Change) Didn’t plan for that tax hit? You’re not alone. And penalties for missing them? Up to 25%! ⚠️ RMDs can be managed strategically—with the right guidance. Let’s talk before Uncle Sam takes a bigger bite than necessary. #RMDsExplained #TaxSmartRetirement #MoneyMovesInRetirement See thrivent.com/social for important disclosures.


Longevity – Retirement Might Be Longer Than You Think 👴👵 A healthy 65-year-old couple has a 50% chance that one of them lives past 90. (Source: Society of Actuaries Longevity Illustrator) That’s potentially 30+ years of retirement to plan for. Your retirement isn’t a finish line—it’s the start of a new chapter. Are you financially ready for Act Two? 🎯 Let’s stress-test your plan for a long, confident retirement. Call me at (651)-661-4930 or email me at michael.kruse@thrivent.com #LongevityPlanning #RetireWithConfidence #PlanTo90AndBeyond See thrivent.com/social for important disclosures.

Longevity – Retirement Might Be Longer Than You Think 👴👵 A healthy 65-year-old couple has a 50% chance that one of them lives past 90. (Source: Society of Actuaries Longevity Illustrator) That’s potentially 30+ years of retirement to plan for. Your retirement isn’t a finish line—it’s the start of a new chapter. Are you financially ready for Act Two? 🎯 Let’s stress-test your plan for a long, confident retirement. Call me at (651)-661-4930 or email me at michael.kruse@thrivent.com #LongevityPlanning #RetireWithConfidence #PlanTo90AndBeyond See thrivent.com/social for important disclosures.


Retirement Healthcare Costs – The $315,000 Surprise 🏥 The average 65-year-old couple retiring today will need $315,000 for healthcare expenses in retirement. (Source: Fidelity Retiree Health Care Cost Estimate, 2023) And that’s not including long-term care. Retirement isn’t just about having enough— It’s about planning for the curveballs too. 📊 Let’s review how your plan stacks up. A second opinion never hurts. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com #RetirementReality #HealthcarePlanning #FidelityStats See thrivent.com/social for important disclosures.

Retirement Healthcare Costs – The $315,000 Surprise 🏥 The average 65-year-old couple retiring today will need $315,000 for healthcare expenses in retirement. (Source: Fidelity Retiree Health Care Cost Estimate, 2023) And that’s not including long-term care. Retirement isn’t just about having enough— It’s about planning for the curveballs too. 📊 Let’s review how your plan stacks up. A second opinion never hurts. Call me at 651-661-4930 or email me at michael.kruse@thrivent.com #RetirementReality #HealthcarePlanning #FidelityStats See thrivent.com/social for important disclosures.

Life Insurance – “More Expensive Than My Coffee Habit?” ☕ You: “Life insurance? I’ll worry about that when I’m older...” Also you: Spending $6/day on coffee and $10/month on 7 different streaming services. 📊 Reality check: 44% of Millennials *overestimate life insurance costs by 5x. (Source: LIMRA + Life Happens) The truth? It could cost less than your monthly DoorDash habit. 💬 Let’s talk—before your metabolism AND your rates go up. #FinancialGlowUp #AdultingWins #LifeInsuranceIsCheaperThanBrunch See thrivent.com/social for important disclosures.
Life Insurance – “More Expensive Than My Coffee Habit?” ☕ You: “Life insurance? I’ll worry about that when I’m older...” Also you: Spending $6/day on coffee and $10/month on 7 different streaming services. 📊 Reality check: 44% of Millennials *overestimate life insurance costs by 5x. (Source: LIMRA + Life Happens) The truth? It could cost less than your monthly DoorDash habit. 💬 Let’s talk—before your metabolism AND your rates go up. #FinancialGlowUp #AdultingWins #LifeInsuranceIsCheaperThanBrunch See thrivent.com/social for important disclosures.

Disability Insurance – “So You Think You're Invincible?” 🦸♂️ You: “I’m young, healthy, and built different.” Also, reality: 1 in 4 of today’s 20-year-olds will be disabled before retirement. (Source: SSA.gov) 😬 So unless your backup plan is “move in with Mom,” maybe it’s time to protect your paycheck? Think of disability insurance like AirPods for your income— You never think you need it… until it’s gone. 📲 Shoot me a call at 651-661-4930. I promise it’ll be less awkward than your last Hinge date. #DisabilityInsurance #GrownUpStuff #IncomeProtection101 See thrivent.com/social for important disclosures.
Disability Insurance – “So You Think You're Invincible?” 🦸♂️ You: “I’m young, healthy, and built different.” Also, reality: 1 in 4 of today’s 20-year-olds will be disabled before retirement. (Source: SSA.gov) 😬 So unless your backup plan is “move in with Mom,” maybe it’s time to protect your paycheck? Think of disability insurance like AirPods for your income— You never think you need it… until it’s gone. 📲 Shoot me a call at 651-661-4930. I promise it’ll be less awkward than your last Hinge date. #DisabilityInsurance #GrownUpStuff #IncomeProtection101 See thrivent.com/social for important disclosures.


Retirement Planning – Time Is Everything 📈 Starting at age 25 with $200/month could grow to over $500,000 by age 65 (assuming 7% avg return). Wait until 35? You’d need to contribute double just to catch up. (Source: Investor.gov Compound Interest Calculator) ⏳ Your biggest investing advantage? Time. 🌱 Start small. Grow big. Retire proud. 👉 Let’s build your plan now—not later. #RetirementPlanning #YoungMoneyMoves #StartNow See thrivent.com/social for important disclosures.

Retirement Planning – Time Is Everything 📈 Starting at age 25 with $200/month could grow to over $500,000 by age 65 (assuming 7% avg return). Wait until 35? You’d need to contribute double just to catch up. (Source: Investor.gov Compound Interest Calculator) ⏳ Your biggest investing advantage? Time. 🌱 Start small. Grow big. Retire proud. 👉 Let’s build your plan now—not later. #RetirementPlanning #YoungMoneyMoves #StartNow See thrivent.com/social for important disclosures.