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Insights

I've got valuable information and resources to share. Explore away! And check back often.

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When should you get life insurance?

Not sure when you should get life insurance? Here are different factors to consider that will help you decide when to take the next step. ⬇️

For many people, life insurance doesn't seem necessary until they reach a certain age, get married, or have children. However, life insurance can be beneficial...

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Before the ball drops on Dec. 31, make sure your retirement income is protected. Take these 3 essential steps: 1️⃣ Take your required minimum distributions (RMDs). Missing the Dec. 31 deadline can trigger a 25% penalty. 2️⃣ Watch your modified adjusted gross income (MAGI). Even small increases could raise future Medicare premiums. 3️⃣ Consider a qualified charitable distribution (QCD). It can satisfy your RMD, lower your MAGI and help you support the causes you care about. A few simple moves today can help you avoid penalties, manage future healthcare costs and protect your retirement income. Get in touch if you’d like help reviewing your year-end strategy. See thrivent.com/social for important disclosures. Thrivent is not connected with or endorsed by the U.S. government or the federal Medicare program.

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Before the ball drops on Dec. 31, make sure your retirement income is protected. Take these 3 essential steps: 1️⃣ Take your required minimum distributions (RMDs). Missing the Dec. 31 deadline can trigger a 25% penalty. 2️⃣ Watch your modified adjusted gross income (MAGI). Even small increases could raise future Medicare premiums. 3️⃣ Consider a qualified charitable distribution (QCD). It can satisfy your RMD, lower your MAGI and help you support the causes you care about. A few simple moves today can help you avoid penalties, manage future healthcare costs and protect your retirement income. Get in touch if you’d like help reviewing your year-end strategy. See thrivent.com/social for important disclosures. Thrivent is not connected with or endorsed by the U.S. government or the federal Medicare program.

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Cyber Monday is here! 🛍️ While online deals can be tempting, it’s also a great time to practice smart spending — especially for those in or near retirement. A few quick tips to protect your financial health today: ✔️ Set a spending limit before you shop ✔️ Use secure payment methods ✔️ Avoid dipping into retirement savings for one-day deals ✔️ Watch for scams targeting older adults If you’d like help creating a holiday budget that supports your long-term goals, I’m here to help. 📅 Message me to schedule a conversation. https://connect.thrivent.com/michael-sell #CyberMondaySmartSpending #RetirementPlanning #DallasFinancialAdvisor #OnlineSafetyTips #RetirementConfidence See thrivent.com/social for disclosures

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Cyber Monday is here! 🛍️ While online deals can be tempting, it’s also a great time to practice smart spending — especially for those in or near retirement. A few quick tips to protect your financial health today: ✔️ Set a spending limit before you shop ✔️ Use secure payment methods ✔️ Avoid dipping into retirement savings for one-day deals ✔️ Watch for scams targeting older adults If you’d like help creating a holiday budget that supports your long-term goals, I’m here to help. 📅 Message me to schedule a conversation. https://connect.thrivent.com/michael-sell #CyberMondaySmartSpending #RetirementPlanning #DallasFinancialAdvisor #OnlineSafetyTips #RetirementConfidence See thrivent.com/social for disclosures

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7 ways to help reduce your taxable income

Seeing your hard-earned money go towards taxes can be frustrating. However, there are ways you can help reduce your tax burdens and become more tax efficient. ⬇️​

Discover practical and effective strategies to help reduce your taxable income. From retirement savings to smart investment decisions, opportunities to keep...

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Many retirees are choosing to downsize — not just for simplicity, but for financial freedom. Downsizing can: 🏠 Reduce expenses 💰 Free up home equity 🌴 Simplify your lifestyle But it’s important to look at the full financial picture before you decide. Let’s explore what downsizing could mean for your retirement income plan. 📞 Schedule your consultation today. #DallasRetirement #FinancialFreedom #RetirementLiving #ThriventAdvisor See thrivent.com/social for additional disclosures

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Many retirees are choosing to downsize — not just for simplicity, but for financial freedom. Downsizing can: 🏠 Reduce expenses 💰 Free up home equity 🌴 Simplify your lifestyle But it’s important to look at the full financial picture before you decide. Let’s explore what downsizing could mean for your retirement income plan. 📞 Schedule your consultation today. #DallasRetirement #FinancialFreedom #RetirementLiving #ThriventAdvisor See thrivent.com/social for additional disclosures

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Retirement isn’t the end of your financial journey — it’s the beginning of a new chapter. 📖✨ As a CFP®️, I help clients in the Dallas area build confidence in their retirement income plan — so you can focus on what really matters: living the life you’ve worked so hard for. Let’s talk about how to make your money work for you in retirement. 👉 Schedule a conversation today. #DallasFinancialPlanner #RetirementReady #CFP #ThriventAdvisor See thrivent.com/social for additional disclosures

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Retirement isn’t the end of your financial journey — it’s the beginning of a new chapter. 📖✨ As a CFP®️, I help clients in the Dallas area build confidence in their retirement income plan — so you can focus on what really matters: living the life you’ve worked so hard for. Let’s talk about how to make your money work for you in retirement. 👉 Schedule a conversation today. #DallasFinancialPlanner #RetirementReady #CFP #ThriventAdvisor See thrivent.com/social for additional disclosures

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November 2025 Market Update: Less data, lower rates, strong stocks

October closed strong, and November is shaping up to be pivotal. AI-driven sectors continue to lead, while Fed rate cuts signal cautious optimism. Want to know what this means for portfolios? Dive into Thrivent's November Market Update for actionable insights.

Recent U.S. Federal Reserve actions, stock market gains and bond yield movements could impact investor strategies.

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Retirement planning has three key phases: 1️⃣ Preparation — Building savings and strategies before retirement 2️⃣ Transition — Turning assets into income 3️⃣ Preservation — Protecting what you’ve built for the years ahead No matter where you are in the journey, I can help you plan each step with clarity and confidence. Let’s create a plan that fits your goals. 📅 Book your appointment today. #RetirementPlanning #DallasTX #FinancialConfidence #CFP See thrivent.com/social for additional disclosures

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Retirement planning has three key phases: 1️⃣ Preparation — Building savings and strategies before retirement 2️⃣ Transition — Turning assets into income 3️⃣ Preservation — Protecting what you’ve built for the years ahead No matter where you are in the journey, I can help you plan each step with clarity and confidence. Let’s create a plan that fits your goals. 📅 Book your appointment today. #RetirementPlanning #DallasTX #FinancialConfidence #CFP See thrivent.com/social for additional disclosures

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Many of my retired clients say the best part of financial freedom is the ability to give back. ❤️ Whether that’s helping family, supporting your church, or contributing to a cause — I can help you integrate generosity into your financial plan without sacrificing your security. Let’s build a retirement plan that reflects your heart. #GenerosityMatters #ThriventFinancial #DallasCommunity #RetirementPlanning See thrivent.com/social for additional disclosures

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Many of my retired clients say the best part of financial freedom is the ability to give back. ❤️ Whether that’s helping family, supporting your church, or contributing to a cause — I can help you integrate generosity into your financial plan without sacrificing your security. Let’s build a retirement plan that reflects your heart. #GenerosityMatters #ThriventFinancial #DallasCommunity #RetirementPlanning See thrivent.com/social for additional disclosures

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👋 Meet Michael Sell, Certified Financial Planner™️ and Financial Associate serving individuals and families throughout the Dallas area and beyond. Michael’s passion is helping pre-retirees and retirees feel confident about the road ahead — from managing investments to building reliable income streams and planning for life’s next chapter. When he’s not meeting with clients, you’ll find him enjoying college football or mentoring new financial advisors. 💬 Ready to take the next step toward financial confidence? Let’s connect! #AdvisorSpotlight #DallasFinancialPlanner #CFP #ThriventAdvisor #RetirementReady See thrivent.com/social for additional disclosures

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👋 Meet Michael Sell, Certified Financial Planner™️ and Financial Associate serving individuals and families throughout the Dallas area and beyond. Michael’s passion is helping pre-retirees and retirees feel confident about the road ahead — from managing investments to building reliable income streams and planning for life’s next chapter. When he’s not meeting with clients, you’ll find him enjoying college football or mentoring new financial advisors. 💬 Ready to take the next step toward financial confidence? Let’s connect! #AdvisorSpotlight #DallasFinancialPlanner #CFP #ThriventAdvisor #RetirementReady See thrivent.com/social for additional disclosures

Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. thrivent.com/privacy-and-security/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.

Designations

For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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