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Retirement is here! Time to take it easy! Which is very nice and exciting for the first week or so after living your whole life by a schedule. But what about all the things you wished you could do, but were too busy with your career or taking care of a family? And I’m not just talking about knitting or bird watching. But a real adventure. If sitting in a rocking chair watching the world go by isn’t your style, here are some suggestions for making the most out of your new-found freedom: Go back to school. Something that would make a child groan could be an exciting prospect for an adult that doesn’t need to worry about the practical side of education anymore. Was your higher education based solely around your planned career? Or maybe you had to skip it entirely to go straight into the workforce? This is your time to learn about astronomy, take that writing course, or dive deep into philosophy. There are many cost-efficient options offered through community colleges or even local libraries. Get active. If your health allows, try a new activity. Martial arts, dancing, or even a hike to find a geocache. What might be considered “out of the norm” activities for the average person are all available for you to explore. Be involved in your community. This can take the form of volunteering, which is a great way to give back. But also consider exploring local community events. Get involved with local politics. Start a blog to review local attractions and businesses. Or if science is your interest, consider signing up to be a Citizen Scientist. Get silly. You have the experience of knowing that laughing – even at yourself – has incredible benefits. Don’t be afraid to explore that! Have you ever tried LARPing (Live Action Role Playing)? Perhaps it’s time to try your hand at being an amateur magician. Or join an improv group. Don’t limit yourself to who you think you are – explore a whole new side to yourself!
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Retirement is here! Time to take it easy! Which is very nice and exciting for the first week or so after living your whole life by a schedule. But what about all the things you wished you could do, but were too busy with your career or taking care of a family? And I’m not just talking about knitting or bird watching. But a real adventure. If sitting in a rocking chair watching the world go by isn’t your style, here are some suggestions for making the most out of your new-found freedom: Go back to school. Something that would make a child groan could be an exciting prospect for an adult that doesn’t need to worry about the practical side of education anymore. Was your higher education based solely around your planned career? Or maybe you had to skip it entirely to go straight into the workforce? This is your time to learn about astronomy, take that writing course, or dive deep into philosophy. There are many cost-efficient options offered through community colleges or even local libraries. Get active. If your health allows, try a new activity. Martial arts, dancing, or even a hike to find a geocache. What might be considered “out of the norm” activities for the average person are all available for you to explore. Be involved in your community. This can take the form of volunteering, which is a great way to give back. But also consider exploring local community events. Get involved with local politics. Start a blog to review local attractions and businesses. Or if science is your interest, consider signing up to be a Citizen Scientist. Get silly. You have the experience of knowing that laughing – even at yourself – has incredible benefits. Don’t be afraid to explore that! Have you ever tried LARPing (Live Action Role Playing)? Perhaps it’s time to try your hand at being an amateur magician. Or join an improv group. Don’t limit yourself to who you think you are – explore a whole new side to yourself!
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Have you considered contract work during retirement? It can be a great way to keep yourself engaged in the workforce, and the extra money isn’t bad either. Many find that contract work fits their needs with easing back into work without full-time commitment. Here are a few contract jobs below that you can look into. • Uber/Lyft Driver • DoorDash/Delivery Driver • Freelance Writer • Part-Time Consultant • Photographer • Data Entry • Virtual Assistant • House Cleaner • Transcriptionist • Teaching and Tutoring The possibilities are endless with contract work, who knows, you may end up finding a job you’re passionate about! #fyp #financialadvisor #thrivent #retirement
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Have you considered contract work during retirement? It can be a great way to keep yourself engaged in the workforce, and the extra money isn’t bad either. Many find that contract work fits their needs with easing back into work without full-time commitment. Here are a few contract jobs below that you can look into. • Uber/Lyft Driver • DoorDash/Delivery Driver • Freelance Writer • Part-Time Consultant • Photographer • Data Entry • Virtual Assistant • House Cleaner • Transcriptionist • Teaching and Tutoring The possibilities are endless with contract work, who knows, you may end up finding a job you’re passionate about! #fyp #financialadvisor #thrivent #retirement
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Technology can be scary. I know. But it can also be amazing. To that end, various tech tools are available that can help make life easier and more enjoyable in retirement. Here are some examples that I feel everyone should be aware of. Personal finance apps - there are many personal finance apps available that can help retirees manage their everyday finances, track expenses, and create budgets. These apps can help remove the stress of remembering which bill is due on which date by helping you set up auto-pay or sending you reminders. Some apps will even tell you about subscriptions you have that you aren’t using, and help you cancel them! Health and fitness apps - there are a variety of health and fitness apps that can help retirees stay active and healthy. For some, this is a great way to stay connected and plugged into a network of like-minded people that you can get to know, and motivate each other on your health journey. Online learning platforms – one of the most important “muscle’s” to exercise in retirement is your brain. Online learning platforms allow retirees to dive into topics you’ve always been curious about but haven’t had the time to research. They help keep your mind active and healthy. All from the comfort of your home. Overall, technology can be a valuable tool for retirees to stay connected, manage their finances, stay healthy, and continue learning and growing. If you have other tech tools that you’ve found helpful or if you have questions about any of the tools I’ve listed, please let me know. I love having these types of conversations with people to expand my knowledge and help others. #fyp #financialadvisor #thrivent #personalfinance #retirement
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Technology can be scary. I know. But it can also be amazing. To that end, various tech tools are available that can help make life easier and more enjoyable in retirement. Here are some examples that I feel everyone should be aware of. Personal finance apps - there are many personal finance apps available that can help retirees manage their everyday finances, track expenses, and create budgets. These apps can help remove the stress of remembering which bill is due on which date by helping you set up auto-pay or sending you reminders. Some apps will even tell you about subscriptions you have that you aren’t using, and help you cancel them! Health and fitness apps - there are a variety of health and fitness apps that can help retirees stay active and healthy. For some, this is a great way to stay connected and plugged into a network of like-minded people that you can get to know, and motivate each other on your health journey. Online learning platforms – one of the most important “muscle’s” to exercise in retirement is your brain. Online learning platforms allow retirees to dive into topics you’ve always been curious about but haven’t had the time to research. They help keep your mind active and healthy. All from the comfort of your home. Overall, technology can be a valuable tool for retirees to stay connected, manage their finances, stay healthy, and continue learning and growing. If you have other tech tools that you’ve found helpful or if you have questions about any of the tools I’ve listed, please let me know. I love having these types of conversations with people to expand my knowledge and help others. #fyp #financialadvisor #thrivent #personalfinance #retirement
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“If you are not consciously building your habits, they are unconsciously building you.” ― Anika J. Green We all have this vision of what our ideal life looks like. And it’s not as difficult to achieve it as you may think. And while some things in life are out of our control – like the weather or other people’s choices - there is so much that we can choose, like how we respond or react, how we prepare, etc. If you want to be in control of your life, you must live intentionally. To live intentionally means accounting for, and planning, that which is within your control. And making sure those plans align with your goals, helping you get closer to the life you want. Starting a life of living intentionally doesn’t have to be a 180ᵒ change. It can start as simple as waking up a half hour earlier to read or exercise. It can be making your coffee instead of buying it. It can be saying ‘no’ to plans instead of overextending yourself. It’s taking responsibility for our actions and reactions, and being mindful each and every day. What is one thing you are going to do to start living intentionally? #fyp #financialadvisor #thrivent #livingintentionally
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“If you are not consciously building your habits, they are unconsciously building you.” ― Anika J. Green We all have this vision of what our ideal life looks like. And it’s not as difficult to achieve it as you may think. And while some things in life are out of our control – like the weather or other people’s choices - there is so much that we can choose, like how we respond or react, how we prepare, etc. If you want to be in control of your life, you must live intentionally. To live intentionally means accounting for, and planning, that which is within your control. And making sure those plans align with your goals, helping you get closer to the life you want. Starting a life of living intentionally doesn’t have to be a 180ᵒ change. It can start as simple as waking up a half hour earlier to read or exercise. It can be making your coffee instead of buying it. It can be saying ‘no’ to plans instead of overextending yourself. It’s taking responsibility for our actions and reactions, and being mindful each and every day. What is one thing you are going to do to start living intentionally? #fyp #financialadvisor #thrivent #livingintentionally
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Organization. It is crucial to business success. There are a million little tasks that need to be done daily for smooth operation. Things like phone calls, setting appointments, booking travel, conducting research, filing paperwork, buying gifts, taking notes…the list goes on and on. While all these jobs are vital, many people do not have the time (or the desire) to get them done. This is where Administrative Professionals come into the picture. These highly organized and amazing people make life better for everyone in the office. They greet you with a friendly smile while also working in the background, keeping everyone on task. So, thank those people who ensure that the experience is wonderful for all. Not just for customers, but for everyone else in the company. The appointment you keep forgetting to set? The mail that must be addressed. The questions you need to be answered? The reminders to take care of something? It all comes down to your Administrative Professionals. I know our office would be lost without ours. Flo and Paola a critical reason why our team is able to do what we do. Thank you, Flo and Paola! Thank you to all the Administrative Professionals out there!
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Organization. It is crucial to business success. There are a million little tasks that need to be done daily for smooth operation. Things like phone calls, setting appointments, booking travel, conducting research, filing paperwork, buying gifts, taking notes…the list goes on and on. While all these jobs are vital, many people do not have the time (or the desire) to get them done. This is where Administrative Professionals come into the picture. These highly organized and amazing people make life better for everyone in the office. They greet you with a friendly smile while also working in the background, keeping everyone on task. So, thank those people who ensure that the experience is wonderful for all. Not just for customers, but for everyone else in the company. The appointment you keep forgetting to set? The mail that must be addressed. The questions you need to be answered? The reminders to take care of something? It all comes down to your Administrative Professionals. I know our office would be lost without ours. Flo and Paola a critical reason why our team is able to do what we do. Thank you, Flo and Paola! Thank you to all the Administrative Professionals out there!
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
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Everyone hears ‘estate planning’ and usually one of three thoughts likely come to mind. 1) I am not old enough to need an estate plan yet. 2) I am not a millionaire; my estate is pretty simple, so I don’t need one. 3) I took care of it already…I know it’s around here somewhere. All conclusions are giant red flags to me. Why? Because for one thing, life happens, you never know what life has in store for you. And secondly, an estate plan goes well beyond your house and bank accounts. Here are 7 things to consider when creating your estate plan: 1) Inventory everything - Watches, jewelry, electronics, vehicles, bank accounts, land, collectibles, etc. 2) Write down your family’s needs. Think beyond food and shelter. Will your kids need college education? What about a daughter’s wedding? No kids yet? What will your parents need so you don’t burden them and their retirement plans? 3) Establish directives. Who will get guardianship of your children? Will there be a trust set up? What happens if you end up in the hospital and cannot make your wishes known? Who will be power of attorney? Leave nothing open to interpretation. 4) Make sure your beneficiaries are up to date. You should make it a habit to check these at least annually. 5) Consider your state’s estate tax law. Nothing is simple when it comes to money, or the government. So, make sure that you know your state’s laws (or work with someone who will proactively help you with it) and be prepared for them. 6) Reassess periodically. Like mentioned above with beneficiaries, life happens, things change. People move, change jobs, children are born, children get older, and so on and so forth. Making sure you have all your bases covered keeps things out of the courts and out of litigation. And nothing can tear a family apart quicker than legal disputes. 7) The best piece of advice someone can give you is to consult a professional. Best to coordinate it between an estate attorney and a good financial advisor. 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 important disclosures.
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Everyone hears ‘estate planning’ and usually one of three thoughts likely come to mind. 1) I am not old enough to need an estate plan yet. 2) I am not a millionaire; my estate is pretty simple, so I don’t need one. 3) I took care of it already…I know it’s around here somewhere. All conclusions are giant red flags to me. Why? Because for one thing, life happens, you never know what life has in store for you. And secondly, an estate plan goes well beyond your house and bank accounts. Here are 7 things to consider when creating your estate plan: 1) Inventory everything - Watches, jewelry, electronics, vehicles, bank accounts, land, collectibles, etc. 2) Write down your family’s needs. Think beyond food and shelter. Will your kids need college education? What about a daughter’s wedding? No kids yet? What will your parents need so you don’t burden them and their retirement plans? 3) Establish directives. Who will get guardianship of your children? Will there be a trust set up? What happens if you end up in the hospital and cannot make your wishes known? Who will be power of attorney? Leave nothing open to interpretation. 4) Make sure your beneficiaries are up to date. You should make it a habit to check these at least annually. 5) Consider your state’s estate tax law. Nothing is simple when it comes to money, or the government. So, make sure that you know your state’s laws (or work with someone who will proactively help you with it) and be prepared for them. 6) Reassess periodically. Like mentioned above with beneficiaries, life happens, things change. People move, change jobs, children are born, children get older, and so on and so forth. Making sure you have all your bases covered keeps things out of the courts and out of litigation. And nothing can tear a family apart quicker than legal disputes. 7) The best piece of advice someone can give you is to consult a professional. Best to coordinate it between an estate attorney and a good financial advisor. 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 important disclosures.
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
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As I talk with my clients about the estate planning process, one topic seems to always come up: Real estate. Real estate can be a great strategy to implement within your estate plan for several reasons. Owning properties, whether residential or commercial, brings diversification to your portfolio. It can enhance stability and provide potential growth that can be passed on to your heirs. When done correctly, real estate can lead to tax efficiencies and a smooth transfer of assets. Adding real estate to your estate plan requires meticulous attention and planning now. If you’ve thought about getting into real estate, be sure to talk to a professional about how that will fit into your current estate plan. #fyp #financialadvisor #thrivent #realestateinvesting See thrivent.com/social for important disclosures.
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As I talk with my clients about the estate planning process, one topic seems to always come up: Real estate. Real estate can be a great strategy to implement within your estate plan for several reasons. Owning properties, whether residential or commercial, brings diversification to your portfolio. It can enhance stability and provide potential growth that can be passed on to your heirs. When done correctly, real estate can lead to tax efficiencies and a smooth transfer of assets. Adding real estate to your estate plan requires meticulous attention and planning now. If you’ve thought about getting into real estate, be sure to talk to a professional about how that will fit into your current estate plan. #fyp #financialadvisor #thrivent #realestateinvesting See thrivent.com/social for important disclosures.
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
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You know that smell right after it rains? Specifically, the smell of dirt, desert, and arid climates after a heavy down pour? And the feeling that comes with it? The sense of euphoria and calm that washes over you when you breathe it in. Well, science may have discovered the source of that all-too-familiar smell. New research suggests that oils and chemicals released by plants in desert climates have stress-relieving effects on not just humans, but wildlife and plants as well. These ‘volatile’ oils also serve to protect the plants from damaging solar radiation, drought stress, heat waves, and predatory animals. So, go ahead, take that deep breath in, and do your mind, and body some good. #fyp #financialadvisor #thrivent #rain
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You know that smell right after it rains? Specifically, the smell of dirt, desert, and arid climates after a heavy down pour? And the feeling that comes with it? The sense of euphoria and calm that washes over you when you breathe it in. Well, science may have discovered the source of that all-too-familiar smell. New research suggests that oils and chemicals released by plants in desert climates have stress-relieving effects on not just humans, but wildlife and plants as well. These ‘volatile’ oils also serve to protect the plants from damaging solar radiation, drought stress, heat waves, and predatory animals. So, go ahead, take that deep breath in, and do your mind, and body some good. #fyp #financialadvisor #thrivent #rain
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/706dc23b891b4a3d9a135dbe55948989.png)
As a Financial Advisor, I work with my clients on all aspects of their financial life. One of those aspects is Estate Planning. One of the statements that comes up often when I start discussing this topic is, “I’m all covered. I’ve got a will.” While a will is a crucial document to have in place and current, it is very important to understand that there are some things a will doesn’t do. First, a will does NOT cover all of your assets. Many people think that everything they own will be automatically distributed according to their will, but that's not entirely accurate. Assets like joint bank accounts with rights of survivorship, retirement accounts with designated beneficiaries, and assets held in a living trust typically bypass the probate process and are not governed by your will. Secondly, a will does NOT dictate the distribution of certain types of property. For instance, properties owned as joint tenants or with community property rights might not follow the instructions in your will. Additionally, properties subject to beneficiary deeds or payable-on-death designations will pass to the specified beneficiaries, regardless of what's stated in your will. Lastly, it's important to note that a will does NOT allow you to avoid the probate process entirely. Probate can be time-consuming and costly. A will won't shield your estate from it. However, strategies like setting up living trusts can help your loved ones avoid the probate process and ensure a smoother transfer of assets. Remember, crafting a comprehensive estate plan involves more than just a will. It's crucial to work with professionals who can guide you through the complexities of estate planning. They can help ensure your assets are managed and distributed according to your wishes. If you have any questions or need assistance, feel free to reach out – I'm here to help! #fyp #financialadvisor #estate #thrivent 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 important disclosures.
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/706dc23b891b4a3d9a135dbe55948989.png)
As a Financial Advisor, I work with my clients on all aspects of their financial life. One of those aspects is Estate Planning. One of the statements that comes up often when I start discussing this topic is, “I’m all covered. I’ve got a will.” While a will is a crucial document to have in place and current, it is very important to understand that there are some things a will doesn’t do. First, a will does NOT cover all of your assets. Many people think that everything they own will be automatically distributed according to their will, but that's not entirely accurate. Assets like joint bank accounts with rights of survivorship, retirement accounts with designated beneficiaries, and assets held in a living trust typically bypass the probate process and are not governed by your will. Secondly, a will does NOT dictate the distribution of certain types of property. For instance, properties owned as joint tenants or with community property rights might not follow the instructions in your will. Additionally, properties subject to beneficiary deeds or payable-on-death designations will pass to the specified beneficiaries, regardless of what's stated in your will. Lastly, it's important to note that a will does NOT allow you to avoid the probate process entirely. Probate can be time-consuming and costly. A will won't shield your estate from it. However, strategies like setting up living trusts can help your loved ones avoid the probate process and ensure a smoother transfer of assets. Remember, crafting a comprehensive estate plan involves more than just a will. It's crucial to work with professionals who can guide you through the complexities of estate planning. They can help ensure your assets are managed and distributed according to your wishes. If you have any questions or need assistance, feel free to reach out – I'm here to help! #fyp #financialadvisor #estate #thrivent 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 important disclosures.
![Image](/themes/custom/hearsay_thrivent/images/eye-icon.png)
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/c67ab664d4774045bfecf224c60f19fa.png)
🔻A little history lesson on Easter🔻 Historically, eggs have been thought of as symbolic of the sun, new life, and new birth. Because of this perception, they became a natural fit to be included in spring festivals of new growth and new beginnings. It’s uncertain where the tradition of decorating eggs began, but what is certain is that this tradition took a strong hold in Eastern European culture. This tradition led to the creation of the famed Fabergé eggs. Peter Carl Fabergé, born in St. Petersburg, Russia in 1846, was named the goldsmith and jeweler to the Russian court in the 1880s. Czar Alexander III had him create an elaborate Easter egg for the Czarina Alexandra in 1885. The Czar made these eggs an Easter tradition throughout his reign, and that of his son and successor, Nicholas II. Fifty such imperial eggs were created before the fall of the house of Romanov in 1917. In 1918 Fabergé’s firm was closed by the Bolsheviks, causing him to flee to Switzerland, where he died in 1920. The Fabergé eggs are some of the most valuable pieces of art in the world. The lesson we can learn from Czar Alexander is that he gave the best that he had to his friends and family. Our hope is that we are able to do the same with those who are closest to us. Happy Easter!😇 #fyp #financialadvisor #thrivent #Easteregg #easter #fabergeegg
![Image](https://hsl-pnw-downloadable-files.s3.amazonaws.com/256/c67ab664d4774045bfecf224c60f19fa.png)
🔻A little history lesson on Easter🔻 Historically, eggs have been thought of as symbolic of the sun, new life, and new birth. Because of this perception, they became a natural fit to be included in spring festivals of new growth and new beginnings. It’s uncertain where the tradition of decorating eggs began, but what is certain is that this tradition took a strong hold in Eastern European culture. This tradition led to the creation of the famed Fabergé eggs. Peter Carl Fabergé, born in St. Petersburg, Russia in 1846, was named the goldsmith and jeweler to the Russian court in the 1880s. Czar Alexander III had him create an elaborate Easter egg for the Czarina Alexandra in 1885. The Czar made these eggs an Easter tradition throughout his reign, and that of his son and successor, Nicholas II. Fifty such imperial eggs were created before the fall of the house of Romanov in 1917. In 1918 Fabergé’s firm was closed by the Bolsheviks, causing him to flee to Switzerland, where he died in 1920. The Fabergé eggs are some of the most valuable pieces of art in the world. The lesson we can learn from Czar Alexander is that he gave the best that he had to his friends and family. Our hope is that we are able to do the same with those who are closest to us. Happy Easter!😇 #fyp #financialadvisor #thrivent #Easteregg #easter #fabergeegg