Financial News and Articles with Michael Rogers in Bellevue WA | Thrivent

Insights

Insight image

Your Financial Life Is Bigger Than Investing! When people hear "financial planning," they often think only about investments. But true planning can include: 1. Cash flow strategies 2. Debt management 3. Emergency savings 4. Insurance protection 5. Tax considerations 6. Retirement preparation 7. Future family goals 8. And more! The earlier you understand how these pieces connect, the more confident you can become in your financial decisions. Your future deserves intentional planning. Start being intentional today by booking a complimentary meeting: https://connect.thrivent.com/michael-rogers #FinancialConfidence #FinancialLiteracy #PersonalFinance #YoungProfessionals #MoneyGoals See thrivent.com/social for important disclosures.

Insight image

Time Is Your Greatest Financial Asset Many young professionals think they need to accumulate significant wealth before working with a financial professional. The reality? Your greatest financial asset today isn't your account balance. It's time. The earlier you begin building healthy financial habits, investing consistently, managing debt strategically, and creating a plan, the more options you may have in the future. Don't wait until life gets complicated to start planning. The best time to plant a tree was 20 years ago. The second-best time is today. Set up a meeting with me today and let's start your journey! https://connect.thrivent.com/michael-rogers #FinancialPlanning #YoungProfessionals #FinancialConfidence #FutureFocused #FinancialWellBeing See thrivent.com/social for important disclosures

Your super catch-up window is here

Your super catch-up window is hereBetween ages 60 and 63, you may have an exclusive opportunity to contribute more to your retirement through the super catch-up provision. This means you can: • See if you qualify and how much extra you may be eligible to contribute. • Understand the factors that may influence this decision. • Evaluate if contributing more—or another strategy—makes the most sense for your goals. Learn more about how this limited-time option could help you make the most of your retirement savings if this option is available to you. ⬇️

Insight image

Waiting Can Be Expensive One of the most common statements I hear is: "I wish I would have started sooner." Many people delay financial planning because they believe they'll have more time, more money, or fewer questions later. Unfortunately, some opportunities become harder to capture when postponed. Starting early doesn't mean being perfect. It means giving yourself more flexibility, more choices, and more time for your plan to work. Let's start now. Book a complimentary meeting today: https://connect.thrivent.com/michael-rogers #FinancialPlanning #YoungAdults #MoneyMindset #WealthBuilding #FutureYou

Insight image

My family continues to grow and one question I ask myself is: "If something unexpected happened to me, would my family have the financial resources they need?" For many families, term life insurance can be a way to help provide financial protection during important earning years. The right strategy depends on your individual circumstances, goals, and needs. If you have not had a conversation with a financial professional to walk through the options of protecting your family, please sign up to sit down with me today. https://connect.thrivent.com/michael-rogers #LifeInsuranceAwarenessMonth #FamilyProtection #FinancialPlanning #ProtectWhatMattersMost See thrivent.com/social for important disclosures.

Insight image

Small Decisions Today Can Have a Big Impact Five financial decisions you make in your 20s and 30s can influence the opportunities available to you decades from now. 1. Saving consistently 2. Building an emergency fund 3. Paying down debt 4. Investing for retirement 5. Protecting your family You don't have to have everything figured out. You simply need to take the next right step. Progress beats perfection every time. Sign up for a complimentary consultation today. https://connect.thrivent.com/michael-rogers #FinancialWellness #MoneyHabits #InvestingBasics #YoungProfessionals #FinancialFuture

It’s not too late to strengthen your income strategy

It’s not too late to strengthen your income strategyIncome, taxes, Social Security and withdrawal decisions all play a role in retirement. Understanding how these factors connect can help you feel more confident about what you can spend—and how long your money may last. Before required minimum distributions begin, discover how your savings can turn into income to help you make the most of what you've worked hard to build. ⬇️

Insight image

Success Doesn't Automatically Create a Financial Plan A growing income is exciting, but higher earnings don't automatically lead to financial success. Many young professionals face questions such as: • How much should I save? • Am I investing wisely? • What benefits should I be taking advantage of and risks should I be mitigating? • How do I balance enjoying today while preparing for tomorrow? Getting support early can help you make intentional decisions rather than reacting later. Your career deserves a plan. Your finances do too. Set up a time to meet today! https://connect.thrivent.com/michael-rogers #FinancialEducation #MoneyManagement #CareerGrowth #FinancialPlanning #YoungProfessionals

Put your savings to work for what’s next

Put your savings to work for what’s nextYou've worked hard to build your retirement savings—now help them work smarter for you. Retirement may last longer than you think, so the choices you make today can help you prepare for what’s next. Explore strategies that can help turn your savings into reliable income and help you feel more confident in the years ahead. ⬇️

Insight image

One of the greatest fears among retirees: "What if the market drops right after I retire?" Market downturns can be challenging, especially during the early years of retirement. Strategies retirees often consider include: 1. Maintaining a diversified portfolio 2. Having an emergency reserve 3. Creating multiple income sources 4. Managing withdrawal rates carefully 5. Reviewing the plan regularly Tip: Retirement planning is about preparing for uncertainty before it happens. Having a strategy in place can help provide confidence during both strong and challenging markets. If you're approaching retirement and want to discuss how your plan may respond to different market conditions, I'd be happy to help. Schedule a complimentary retirement conversation: https://connect.thrivent.com/michael-rogers #RetirementPlanning #Investing #MarketVolatility #RetirementConfidence #FinancialFreedom

Insight image

How Will Taxes Impact My Retirement? Retirement doesn't mean taxes disappear. One of the biggest surprises for many retirees is realizing how much taxes can affect retirement income. Questions to consider: 1. Are my retirement accounts taxable, tax-deferred, or tax-free? 2. How will Social Security be taxed? 3. Could Required Minimum Distributions increase my tax bill? 4. Will Medicare premiums be affected by income? 5. Should Roth conversions be considered? Tip: The amount you keep is often more important than the amount you earn. A thoughtful tax strategy can help create more flexibility throughout retirement. If you'd like help understanding the tax side of retirement planning, I'd be glad to connect. Schedule a meeting or comment below: https://connect.thrivent.com/michael-rogers #TaxesInRetirement #RetirementPlanning #FinancialStrategy #RetirementIncome #WealthManagement This information is provided for educational purposes only and should not be considered tax or legal advice. Please consult a tax professional regarding your circumstances.

Financial planning for millennials: A comprehensive guide

Financial planning for millennials: A comprehensive guideDoes it feel like every financial goal is competing for the same dollars? This guide offers 7 ways to prioritize your money and make progress toward what matters most. ⬇️ Let’s talk about what’s competing for your attention and how we can build a financial plan to address it.

Insight image

A common retirement concern: "How much can I take from my savings each year?" Many retirees worry about spending too little and missing opportunities to enjoy retirement, or spending too much and running out of money. Important factors include: 1. Investment allocation 2. Market conditions 3. Retirement timeline 4. Other income sources (Social Security, pensions, annuities) 5. Tax efficiency 6. Unexpected expenses Tip: Your withdrawal strategy should adapt as life changes. A retirement income plan is not a one-time decision. The goal is finding a balance between enjoying today and protecting your future. If you'd like help creating a personalized retirement income strategy, let's talk. Book a meeting using this link or comment below: https://connect.thrivent.com/michael-rogers #RetirementIncome #FinancialPlanning #RetireWithConfidence #Investing #Retirement

Insight image

Do I Have Enough Saved to Retire? The question I hear most often is "Do I have enough to retire?" The real question is: Will my savings support the lifestyle I want throughout retirement? I walk my clients through these key areas to evaluate: 1. Expected retirement expenses 2. Inflation over time 3. Healthcare costs 4. Investment strategy 5 Taxes on retirement income 6. Legacy and charitable goals Retirement isn't just about reaching a certain account balance. It's about creating a plan that helps your money support your life goals. Tip: Build a retirement income plan, not just a retirement savings target. If you'd like a second opinion on your retirement readiness, let's connect. Schedule a conversation using this link or comment below: https://connect.thrivent.com/michael-rogers #RetirementReady #FinancialAdvisor #RetirementIncome #RetirementPlanning #MoneyManagement

Insight image

"When should I start Social Security?" This is a question I get asked frequently and the answer is different for everyone. Here are a few considerations: 1. Your health and life expectancy 2. Whether you're married and coordinating spousal benefits 3. Your retirement income needs 4. The impact of delaying benefits on future income 5. Tax implications and other retirement assets available Many retirees are surprised to learn that the timing of Social Security can significantly affect their lifetime retirement income. Tip: Before claiming benefits, look at Social Security as part of your overall retirement income strategy, not as a stand-alone decision. If you're approaching retirement and want to evaluate your options, I'd be happy to help. Schedule a complimentary conversation here: https://calendly.com/michael-rogers-thrivent/thrivent-connect-meeting?month=2026-08 #RetirementPlanning #SocialSecurity #Retirement #FinancialPlanning #Thrivent

Insight image

The most exciting financial move isn't always the flashiest one. With economic uncertainty still making headlines, more families are focusing on something surprisingly simple: 1. Emergency savings 2. Reduced debt 3. Greater cash flexibility Sometimes financial confidence starts with knowing you can handle life's unexpected moments. How many months of expenses do you keep in reserve? #FinancialWellness #EmergencyFund #MoneyTips

Insight image

Everyone is talking about AI. But what does it actually mean for investors? Technology has changed industries before, and many believe artificial intelligence could be another major economic shift. The question isn't whether AI will impact the economy. The question is: How does your financial strategy adapt to changing opportunities while still aligning with your long-term goals? Let's have a conversation about it. https://connect.thrivent.com/michael-rogers #AI #Investing #FinancialAdvisor See thrivent.com/social for important disclosure information.

What's the biggest financial question on your mind right now? A. Retirement B. Taxes C. Investing D. Social Security E. College Planning F. Something else Comment below or send me a message. I'm always interested in hearing what's top of mind. #AskAFinancialAdvisor #FinancialQuestions #MoneyMatters

Insight image

Have you noticed that some prices still feel higher than they should? Even when inflation slows, the cost of living doesn't magically go back down. That's why financial planning isn't just about growing assets. It's about creating a strategy that helps your money keep pace with life's rising costs. What's one expense that has surprised you the most over the past year? Let's talk. https://connect.thrivent.com/michael-rogers #Inflation #FinancialPlanning #RetirementPlanning See thrivent.com/social for important disclosure information.

Insight image

What if the biggest risk isn't market volatility...but waiting too long? Many investors are sitting on the sidelines waiting for the "perfect time" to invest. The challenge? The market rarely sends an invitation when it's ready to move higher. Having a strategy often matters more than trying to predict the next headline. Are you investing with a plan or reacting to the news cycle? If you'd like a second opinion on your investment strategy, let's connect. https://connect.thrivent.com/michael-rogers #FinancialPlanning #Investing #WealthManagement #MarketVolatility See thrivent.com/social for important disclosure information.