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🔄 By converting funds from a traditional IRA to a Roth IRA, you’ll pay taxes now—but once you're 59½ and have held the account for at least 5 years, your withdrawals are completely tax- and penalty-free. 💸 ✅ If your modified adjusted gross income (MAGI) is under: • $150,000 (single filer) • $236,000 (married filing jointly) …you could take advantage of this opportunity to grow your savings tax-free for life. 🧮 Unsure if it's the right move? Thrivent’s proprietary What-if Tax tool can help assess your options. 📅 Just don’t wait—conversions must be completed by Dec. 31 and can't be backdated. #RetirementPlanning #RothIRA #FinancialGoals For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.

🔄 By converting funds from a traditional IRA to a Roth IRA, you’ll pay taxes now—but once you're 59½ and have held the account for at least 5 years, your withdrawals are completely tax- and penalty-free. 💸 ✅ If your modified adjusted gross income (MAGI) is under: • $150,000 (single filer) • $236,000 (married filing jointly) …you could take advantage of this opportunity to grow your savings tax-free for life. 🧮 Unsure if it's the right move? Thrivent’s proprietary What-if Tax tool can help assess your options. 📅 Just don’t wait—conversions must be completed by Dec. 31 and can't be backdated. #RetirementPlanning #RothIRA #FinancialGoals For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.


Whether it’s a donor-advised fund (DAF) or a qualified charitable distribution (QCD) from your IRA, there are ways to give generously and strategically. ✨ In 2025, QCDs allow up to $108,000 in tax-free IRA donations if you're 70½ or older. ✨ A DAF offers long-term growth for future charitable grants. Don’t miss the Dec. 31 deadline to qualify for 2025 tax benefits. #CharitableGiving #DAF #QCD #TaxSmartGiving #GiveBack #YearEndPlanning For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited

Whether it’s a donor-advised fund (DAF) or a qualified charitable distribution (QCD) from your IRA, there are ways to give generously and strategically. ✨ In 2025, QCDs allow up to $108,000 in tax-free IRA donations if you're 70½ or older. ✨ A DAF offers long-term growth for future charitable grants. Don’t miss the Dec. 31 deadline to qualify for 2025 tax benefits. #CharitableGiving #DAF #QCD #TaxSmartGiving #GiveBack #YearEndPlanning For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited


The market shifts, and so does life. A year-end portfolio review ensures your investments still align with your goals. 🎯 Bonus: A little prep now = less stress in April. Let’s tidy up your finances and start 2026 with clarity. #PortfolioReview #FinancialGoals #YearEndPlanning #TaxPrep #MoneyMindset #InvestSmart For disclosure information, see thrivent.com/social. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice.

The market shifts, and so does life. A year-end portfolio review ensures your investments still align with your goals. 🎯 Bonus: A little prep now = less stress in April. Let’s tidy up your finances and start 2026 with clarity. #PortfolioReview #FinancialGoals #YearEndPlanning #TaxPrep #MoneyMindset #InvestSmart For disclosure information, see thrivent.com/social. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice.


Time to connect! For disclosure information, see thrivent.com/social.

Time to connect! For disclosure information, see thrivent.com/social.


We will help you: 🎯 Define what retirement looks like for you 📉 Understand your investment risk tolerance 📂 Choose the right accounts for tax efficiency 💬 Review & adapt your plan over time For disclosure information, see thrivent.com/social. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.

We will help you: 🎯 Define what retirement looks like for you 📉 Understand your investment risk tolerance 📂 Choose the right accounts for tax efficiency 💬 Review & adapt your plan over time For disclosure information, see thrivent.com/social. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.


You may have already tried calling the Social Security Administration to learn about your benefit or make a claim. Did you run into any issues? Before you call, remember: Representatives can: • Estimate individual benefits. • Tell you the amount you are entitled to now. Representatives cannot: • Project future benefits through scenario planning. • Provide strategies designed to maximize benefits. • Provide advice on when and how to take your benefits. To learn more and get an estimate about your benefits, visit www.ssa.gov. For disclosure information, see thrivent.com/social. Thrivent and its financial professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. Thrivent financial professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

You may have already tried calling the Social Security Administration to learn about your benefit or make a claim. Did you run into any issues? Before you call, remember: Representatives can: • Estimate individual benefits. • Tell you the amount you are entitled to now. Representatives cannot: • Project future benefits through scenario planning. • Provide strategies designed to maximize benefits. • Provide advice on when and how to take your benefits. To learn more and get an estimate about your benefits, visit www.ssa.gov. For disclosure information, see thrivent.com/social. Thrivent and its financial professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional. Thrivent financial professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.


💰 In 2025, individuals can gift up to $19,000, and couples up to $38,000 per recipient tax-free. Smart gifting can: ✅ Reduce future estate taxes ✅ Help children or grandchildren now ✅ Shift taxable income to lower brackets Make sure gifts are made before dividends or gains are declared — time to connect with our team! #FamilyFinance #SmartGifting #GenerationalWealth #EstatePlanning #WealthTransfer For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.

💰 In 2025, individuals can gift up to $19,000, and couples up to $38,000 per recipient tax-free. Smart gifting can: ✅ Reduce future estate taxes ✅ Help children or grandchildren now ✅ Shift taxable income to lower brackets Make sure gifts are made before dividends or gains are declared — time to connect with our team! #FamilyFinance #SmartGifting #GenerationalWealth #EstatePlanning #WealthTransfer For more information visit Thrivent.com/social. While Thrivent does not provide specific legal or tax advice, we can partner with you and your tax professional or attorney. If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited.


➡️ Small, consistent contributions today can grow into something remarkable tomorrow. #CompoundInterest #StartEarly #FinancialGrowth #MoneyTips For disclosure information, see thrivent.com/social.

➡️ Small, consistent contributions today can grow into something remarkable tomorrow. #CompoundInterest #StartEarly #FinancialGrowth #MoneyTips For disclosure information, see thrivent.com/social.


If you answered “no” or “I’m not sure” to any of these… it’s time for a review. 🛡️❤️ For additional disclosure, see thrivent.com/social If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited. #preparation #finance #family

If you answered “no” or “I’m not sure” to any of these… it’s time for a review. 🛡️❤️ For additional disclosure, see thrivent.com/social If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance, may be solicited. #preparation #finance #family