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Ryan K Spleet

Advisor Image
Ryan K Spleet
Financial Advisor
.
FIC
726 W C St Po Box 424
Newton, NC 28658
About Ryan Spleet
I'm proud to be a Thrivent financial professional. I provide personalized financial guidance to people at all stages of life. At Thrivent, we view money not as a goal, but as a tool — one that can afford you a life rich in meaning and gratitude. We believe humanity thrives when individuals make the most of all they've been given. I'm here to help you do just that.
My qualifications
  • Bachelors of Political Science, Lenoir-Rhyne College
  • Fraternal Insurance Counselor
  • Series 7 - General Securities Representative
My state licenses
  • Florida
  • Georgia
  • Indiana
  • Maryland
  • North Carolina
  • Ohio
  • South Carolina
  • Tennessee
  • Texas

Insights

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Owning a business might be part of your American dream… For some baby boomers, entrepreneurship is also a part of their retirement. A report from the Kaufman Foundation found that baby boomers are twice as likely to plan on starting a business as millennials, and the percentage of businesses being started by Americans 55 and older is steadily increasing. The problem is that retirement planning is not a priority for many entrepreneurs and saving for retirement as a small business owner isn't as simple as being automatically enrolled in a company 401(k) plan. Here are some of the biggest mistakes entrepreneurs are making when it comes to retirement planning: • Not having a plan: It takes a lot of time and energy to start and keep a business running. It’s certainly not an eight-hour-a-day venture. Self-employed professionals have a lot on their plates, including financial obligations like business taxes and payroll. So, saving for retirement often gets pushed down to the bottom of their priority list. • Putting every cent back into the business: Entrepreneurs are sometimes hesitant to put their money into retirement accounts because they worry they will lose quick access to the funds if they need them for the business. Diversifying your assets can help you to better cope with emergencies and save for the future. • Selling the business is the retirement plan: Most entrepreneurs overestimate the value of their business and their ability to sell it when they are ready to retire. Many business owners fail to obtain periodic outside assessments of the value of their business, which can cause surprises later. • Using retirement savings to start a business: Make sure you know what investments you own and how they are performing. Each investment and fund you’ve paid into needs to produce enough to help you reach your objectives. Check that you understand and are comfortable with the costs, risks, and liquidity of your portfolio. For disclosures see Thrivent.com/disclosures
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This Memorial Day, we thankfully remember those who have fought, who are fighting, and who will continue to fight to preserve our liberty and the right of all people to live in freedom. As we pause to give thanks on this holiday, let’s fly our flags a little more proudly and keep alive the spirit of American patriotism that is burning bright in us today. At your barbecue or neighborhood party or just before a family dinner, take a second and read this poem to remind everyone what Memorial Day is really about.
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Each holiday is special in its own way, but of them all, the one that means the most to me is Easter. Nowadays, there are elements to Easter that everyone can participate in, regardless of who you are or what you believe. But the heart of Easter will always be this: that our Savior, Jesus Christ, suffered, bled, and died for the redemption of our sins, and that he was resurrected so that we may live again, too. I’m so grateful for the knowledge that Christ will come again one day, for the knowledge that “For as in Adam all die, even so in Christ shall all be made alive.” As the Apostle Paul said, “The last enemy that shall be destroyed is death.” These are the things Easter stands for. This is why the holiday is so special to me. I wish you and yours a Happy Easter. Peace be unto you.
Office location
Newton Location
726 W C St Po Box 424
Newton, NC 28658
Phone828-465-3222Hours
M – F: 9 a.m. – 5 p.m.
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.

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