Insights
When I work with a business owner, we rarely talk only about the business or only about their personal finances. We cover both!
The conversation may include protection needs, key employees, business continuity, family goals, retirement income, personal savings, or what an eventual transition might look like.
For many business owners, a significant portion of their financial life is tied to the company. That is why business planning and personal financial planning should not live in separate rooms. Let’s have a conversation! 🏢🧩
#BusinessOwner #CEPA #BusinessPlanning
See thrivent.com/social for important disclosures.
Have you asked yourself, "Am I doing the best I can right now?"
A client recently asked me: "How much is enough?"
We spent very little time talking about account balances and a lot of time talking about family, generosity, retirement, and the legacy they hoped to leave.
The conversation reminded me that financial planning is rarely about the numbers alone. It's about what those numbers make possible.
And I'm so excited to welcome Katie Cavanaugh to Richmond in February to talk about these goals even more!
Wherever you are in your journey, I'm happy to help you identify the next step.
See thrivent.com/social for important disclosures.
Help prepare for retirement with confidence by getting a locked-in interest rate for the guarantee period you choose—either 3, 5, 7 or 9 years—with a Thrivent Multi-Year Guarantee Annuity™.
This single premium fixed deferred annuity offers:
• Dependable interest
• Tax-deferred earnings
• Protection from market risk
Contact me today if you want to discuss if this is right for you.
For additional interest rates and other important information: https://bit.ly/3RA8u4Z
See thrivent.com/social for important disclosures.
"For where your treasure is, there your heart will be also." – Matthew 6:21
Our financial choices often reveal our deepest priorities.
What's most important to you right now?
❤️📖
#FaithAndFinances #PurposeDrivenLife
"You have purpose no matter what season you're in."
Whether you're building a career, raising a family, preparing for retirement, caring for loved ones, or navigating a major transition, your season may change—but your purpose doesn't disappear.
Recently, I worked with a family who discovered more than $250,000 sitting in old retirement accounts that hadn't been reviewed in years. The most valuable part wasn't the money—it was the confidence that came from putting that money to work, and finally having a plan and a purpose.
If you're entering a new chapter and would value a planning partner, I'd be honored to help.
See thrivent.com/social for important disclosures.
♟️🛡️📈
What's one new de-risking system you've implemented recently? This can be one of the easiest items for a business owner to check off the list!
See thrivent.com/social for important disclosures.
Many people spend more time planning vacations 🏖️👨👩👧👦💡than planning retirement income. I get it. I love planning our vacations. But let's reprioritize.
One creates memories. The other protects them.
Do you have a plan for Protection, Assets, Taxes, and Health?
#RetirementIncome #FamilyFirst #FinancialSecurity #RichmondVA
See thrivent.com/social for important disclosures.
Katie Cavanaugh is coming to Richmond in February! I could not be more excited to have her speak at some of my workshops.
If you are looking to retire in the next 3-5 years, and you are local to the Richmond, VA area, reach out to me for more information. Particularly if you have stock options, RSUs, or other stock compensation, this will be an event you don't want to miss!
See thrivent.com/social for important disclosures.
"Plans fail for lack of counsel, but with many advisers they succeed." – Proverbs 15:22
No one should navigate life's biggest decisions alone.
🤝📖
Who has been a trusted source of wisdom in your life?
#WisdomWednesday #FaithBasedPlanning
"What we nurture today often determines what flourishes tomorrow."
Life has a way of growing whatever we consistently invest in.
Relationships. Faith. Character. Knowledge. Generosity.
My Thrivent career is encouraged by amazing advisors like Molly Bruce- hers is a relationship I will cultivate always!
I've been reflecting on where my attention, energy, and resources are going—and whether they're aligned with what matters most.
What are you cultivating in this season?
#IntentionalLiving #GrowthMindset #CultivatingGenerosity
See thrivent.com/social for important disclosures.
If you rated your business from 1-10 on transferability, what score would you give it?
The answer often reveals opportunities.
I have a 10 minute questionnaire for business owners that could help you figure out your preparation so far; reach out if you would like to receive a copy!
♟️📊💼
#BusinessChessMoves
#ExitPlanning
#BusinessOwner
#CEPA
#RichmondBusiness
See thrivent.com/social for important disclosures.
The best retirement plans answer two questions:
"Can I retire?"
AND
"What am I retiring to?"
What are you most looking forward to in your next chapter? For me, SLEEP and TRAVEL! :)
#RetirementLifestyle #PurposeDrivenLife #FaithAndFinances #FinancialPlanning
See thrivent.com/social for important disclosures.
Is Your Business an Asset or a Job?
Tough question.
If revenue stopped when you stopped showing up, you may own a job rather than an asset.
Building transferable value is one of the most important CEPA conversations we have.
♟️💼🚀
#BusinessChessMoves
#ExitPlanning
#BusinessOwner
#CEPA
#RichmondBusiness
See thrivent.com/social for important disclosures.
Many successful professionals know exactly how much they have saved.
Fewer know how much risk they're taking to get there.
A second opinion can reveal opportunities you didn't know existed.
🚗💡📊
#RetirementReadiness #FinancialPlanning #RichmondProfessionals #Stewardship
See thrivent.com/social for important disclosures.
"Whoever can be trusted with very little can also be trusted with much." – Luke 16:10
Stewardship starts long before wealth arrives.
📈📖
#ChristianStewardship #BiblicalWisdom
"Purpose gives you the courage to overcome."
I've seen people accomplish remarkable things once they understand why they're working toward a goal and have a plan to get there. Both of these ladies, Doreen Trammell and Sofia Hernandez, told me about their goals and plans as we sat together, sharing stories and connecting in Minneapolis.
Helping families and business owners align their finances with their values, purpose, and legacy is one of the most rewarding parts of what we do. We love to serve our clients.
If you're looking for clarity around your next financial step, I'd love to help.
See thrivent.com/social for important disclosures.
If you're confused about Medicare, join the crowd, and discover ways to make plan decisions that are best for you. On September 29th, Medicare Coach Emily Gang offers an overview of Medicare and suggestions for choosing your plan and saving money once you're enrolled.
If you're interested in attending, please follow the link below to sign up: https://connect.thrivent.com/nicole-frost/events/103248
No products will be sold. See thrivent.com/social for additional information.
Many families accumulate significant wealth through employer stock, RSUs, or stock options.
But choosing to diversify isn’t a lack of confidence—it’s how we keep one company from controlling your entire financial future.
Let's get creative with charitable stock gifting and other strategies!
#StockOptions #RSUPlanning #WealthManagement #RichmondBusiness
See thrivent.com/social for important disclosures.
Every Great Exit Starts with the Opening Move ♟️
Most business owners spend years growing their company...
But few spend time preparing for their eventual transition.
In chess, you don't win by thinking only about your next move. You win by thinking about your endgame.
Business owners: Have you ever mapped out your exit strategy?📈💭
#BusinessChessMoves
#ExitPlanning
#BusinessOwner
#CEPA
#RichmondBusiness
See thrivent.com/social for important disclosures.
"The earth is the Lord's, and everything in it." – Psalm 24:1
Everything we have is entrusted to us for a season.
How are you using your blessings today?
🙏❤️
#FaithAndFinances #Stewardship