Preparing for financial surprises doesn't have to be complicated. Proactive planning can help you stay ahead of market swings and other risks that can impact your financial plan. Learn more about strategies to set you up for long-term success: https://bit.ly/4m32xHO
While a bigger down payment can help you avoid private mortgage insurance (PMI) and significantly reduce your borrowing costs, coming up with 20% down is challenging for many first-time buyers—particularly in today’s housing market.
If you’re ready to buy your first home, there are several ways to achieve this goal with little or no money down. Learn more about your options: https://bit.ly/4ezqnrC
With the average mortgage payment hovering higher than the cost of rent in many markets, first-time home buyers may wonder if it’s better to continue renting. Here’s what to consider:
🔑 Renting may be easier on your budget now—but the cost of rent will keep rising.
🏠 Buying costs more upfront, but offers payment stability and the chance to build equity over time.
Buying a home is one of the biggest financial choices you’ll make. Let’s connect and explore what’s right for you—whether that’s buying now or preparing for later.
See thrivent.com/social for important disclosures.
Are you ready for penalty-free retirement withdrawals? Reach out to learn more about taking withdrawals starting at age 59½ and how we can help you reach your retirement goals.
See thrivent.com/social for important disclosures.
They say there’s strength in numbers. And when you have a group of financial professionals dedicated to helping you navigate your financial future, you can feel even more confident about where you’re headed. That’s why, as our practice continues to grow, we’re excited to announce Josh Theisen has joined Quadrant Financial Advisors in our Dubuque office!
Josh will be working alongside Jennifer Kreeb in Dubuque and everyone on the Quadrant team to help ensure all our clients receive the best service and guidance possible.
As always, it’s our goal to provide our clients with relevant and meaningful guidance—always driven by their priorities. With our various areas of expertise across our team and continual growth, we are well equipped to offer a broad range of financial solutions and strategies to meet your needs.
Find everyone on our quadrant team here https://connect.thrivent.com/quadrant-financial-advisors/about-us/our-team
Welcome Josh!
Thinking about extending your life insurance coverage? Learn more about what to expect when your term life insurance expires and the pros and cons of term-to-life conversions: https://bit.ly/459jpXb
Any time your life changes, your financial plan deserves a fresh look. Here are different life events that may trigger a need to update your life insurance coverage: https://bit.ly/47koSvA
Is college getting closer, but your savings aren’t where you’d hoped?
With a clear plan, you can still make meaningful progress. Here are some strategies to help you close the gap and move forward with confidence: https://bit.ly/4lmnVpW
If you’re using multiple accounts to fund college expenses, it's important to plan strategically. Learn how: https://bit.ly/4lHdDRL
Please join Quadrant Financial Advisors as we host an event: Estate Preservation for the Next Generation.
Join us to learn from special guest speaker, Eric W. Bilger, FIC Financial Advisor for Thrivent, as he shares strategies around how to better prepare yourself for the “what-ifs” in life. This educational event is designed for our clients and their adult beneficiaries to help address their concerns about aging parents. We encourage you to invite any or all of your beneficiaries to attend.
In person event
Tuesday, September 23, 2025 at 5:30 p.m.
Maquoketa Chamber of Commerce
124 S. Main St., Ste 2, Maquoketa, IA 52060
RSVP here https://bit.ly/EP4NG0923 or call 563-239-2533
Cant make it to the event?
Register to watch online https://bit.ly/NPGOct
No products will be sold. Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for additional disclosures. 27764-12FB R2-24
Social Security Fairness Act: How the WEP & GPO repeal may affect your benefits
Earlier this year, the Social Security Fairness Act was signed into law. If you or a loved one has ever worked in the public sector, the SSFA may impact retirement income and prompt you to consider some strategy adjustments. Take a look at this resource for more information. If you’d like to discuss how this act may impact your retirement plans, let’s set up a meeting.
They say there’s strength in numbers. And when you have a group of financial professionals dedicated to helping you navigate your financial future, you can feel even more confident about where you’re headed. That’s why, as our practice continues to grow, we’re excited to announce Financial Advisor Jay Hanstrom has joined Quadrant Financial Advisors in our Hiawatha office!
Jay will begin working alongside Financial Advisors Mike Olinger, Brittney Davis, and Financial Consultant Kari Kibby to help ensure all our clients receive the best service possible. As always, it’s our goal to provide our clients with relevant and meaningful guidance—always driven by their priorities. With our various areas of expertise across our team and continual growth, we are well equipped to offer a broad range of financial solutions and strategies to meet your needs. Find everyone on our quadrant team here https://connect.thrivent.com/quadrant-financial-advisors/about-us/our-team
See thrivent.com/social for important disclosures.
Our Quadrant team stepped outside of the office last Thursday and into a world of balance, problem solving and teamwork. Team Building Blocks, low ropes course in Dubuque was an excellent host for our team bonding experience this year.
A strong team thrives on leadership, trust, and meaningful collaboration. Effective leadership sets the tone, guides members with vision, clarity, and support, while encouraging each person to bring their strengths to the table. Team bonding plays a crucial role in building mutual respect and understanding, creating an environment where communication flows openly and challenges are faced together.
We ended the day on a boat ride on the American Lady in the evening, thankful to spend the day altogether as a team.
Pros & cons of paying off your mortgage before you retire
If you’re nearing retirement with a mortgage in tow, you’re not alone. But should you pay it off before you retire? While being debt-free can offer a sense of reassurance, in some cases, keeping your mortgage might actually be beneficial. Explore the pros and cons of having a mortgage during retirement.