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I've got valuable information and resources to share. Explore away! And check back often.

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The declining population will make it even harder to care for elders

Did you see this? As our population ages and families grow smaller, NPR’s recent feature brings attention to a pressing issue: the growing challenge of providing care for our elders with fewer hands to help. The article reveals not just the rising demand for care and limited resources, but also the need for heartfelt conversations about extended care responsibilities within families. The numbers paint a powerful picture: - Nearly 1 in 5 Americans now lives in a multigenerational household. - The need for caregiving assistance is rising sharply, but the number of available caregivers is declining every year. - Families are taking on a much larger share of caregiving duties, with many stepping in to provide support well into their own retirement. With more Americans than ever living in multigenerational households, families are shouldering greater caregiving duties—sometimes even as they approach their own retirement. This reality calls for proactive multigenerational planning, including honest “heart to heart” discussions with loved ones about long-term care, personal preferences, and a roadmap for the future. If you haven’t started these vital conversations yet, now is the perfect time. Taking action today ensures your family’s well-being and brings financial clarity for everyone. (Here are some tips to start that conversation: https://connect.thrivent.com/seythe-mccoyleffall/news#hs-post-image-and-message-4747468) Ready to take the next step? Speak with a financial advisor to begin your multigenerational planning. A thoughtful conversation today can help protect those you love—and give you confidence that your loved ones are prepared, no matter what the future holds. See thrivent.com/social for important disclosures. https://www.npr.org/2025/11/02/nx-s1-5535648/population-elderly-caregivers

Declining population means caring for parents, grandparents, and other relatives could become even more challenging with fewer professionals and family members...

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Sequence of returns risk: What it means for your retirement

The market can shift at any time, and big drops early in retirement could affect your savings. The right approach can help keep your savings resilient. Check out this article, then reach out to talk through ways to help protect your savings.👇

As you set out on your retirement journey, you want to make the most of your money and stay on the road to financial stability. That's why, if you have...

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2026 Social Security COLA increase: What future retirees should know

You may have heard that the Social Security Administration has announced a 2.8% cost of living adjustment (COLA) for 2026. Here’s a little more on what that means.

As retirement approaches, many Americans are navigating a landscape that feels uncertain. Rising costs, shifting markets and questions about long-term...

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With rates starting to decline, now is a great time to think about what's next for your cash. Whether you want to keep funds liquid, generate income or save for a future goal, now’s a great time to put your savings to work. Together, let’s review your goals and liquidity needs to maximize your money’s potential. See thrivent.com/social for important disclosures.

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With rates starting to decline, now is a great time to think about what's next for your cash. Whether you want to keep funds liquid, generate income or save for a future goal, now’s a great time to put your savings to work. Together, let’s review your goals and liquidity needs to maximize your money’s potential. See thrivent.com/social for important disclosures.

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From awareness to action: Creating your personalized caregiving plan. Day 7: Bringing it all together for your family’s future. This week covered crucial topics: vital conversations, legal and financial preparations, the emotional journey, and self-care. Now, it’s time to turn ideas into action—with a caregiving plan tailored to your unique situation. How to Build Your Personal Action Plan: Immediate Steps (This Week): -Assess your current situation: loved one’s health, care requirements, financial and legal state -Begin one key conversation (on wishes, documents, health, or finances) -Gather essential contacts and information (providers, emergency plan, medication lists) Short-Term Steps (This Month): -Collect and organize important documents -Identify and contact local resources (Area Agency on Aging, support groups, legal and financial advisors) -Build your support team (divide roles among family/friends, explore respite care options) Medium-Term Steps (Next 3–6 Months): -Develop communication strategies among your caregiving team -Review insurance and benefit programs, and set regular family check-ins -Establish a self-care routine and boundary-setting for every caregiver Long-Term Considerations: -Adjust as needs change: be ready for transitions, higher-level care, or professional services -Revisit your plan every quarter: update medications, review finances, assess caregiver stress and supports Best Practices: -Center the care plan around your loved one’s preferences and needs—engage them in decision-making -Use tools—templates, online guides, and local agencies—to structure your approach -Be flexible; needs and goals may shift over time No One-Size-Fits-All: Individual plans are most effective when adapted for your family’s size, culture, values, and situation. Consult professionals when you have legal or financial questions. Closing Thought: Every positive step is progress. You’re not alone—use the support available, and revisit your plan as your family’s needs evolve. Thank you for joining this caregiving journey. If you found this series helpful, please share and continue the conversation! See thrivent.com/social for important disclosures. #CaregivingJourney #ActionPlan #SandwichGeneration #AgingParents #ElderCare #FamilyPlanning

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From awareness to action: Creating your personalized caregiving plan. Day 7: Bringing it all together for your family’s future. This week covered crucial topics: vital conversations, legal and financial preparations, the emotional journey, and self-care. Now, it’s time to turn ideas into action—with a caregiving plan tailored to your unique situation. How to Build Your Personal Action Plan: Immediate Steps (This Week): -Assess your current situation: loved one’s health, care requirements, financial and legal state -Begin one key conversation (on wishes, documents, health, or finances) -Gather essential contacts and information (providers, emergency plan, medication lists) Short-Term Steps (This Month): -Collect and organize important documents -Identify and contact local resources (Area Agency on Aging, support groups, legal and financial advisors) -Build your support team (divide roles among family/friends, explore respite care options) Medium-Term Steps (Next 3–6 Months): -Develop communication strategies among your caregiving team -Review insurance and benefit programs, and set regular family check-ins -Establish a self-care routine and boundary-setting for every caregiver Long-Term Considerations: -Adjust as needs change: be ready for transitions, higher-level care, or professional services -Revisit your plan every quarter: update medications, review finances, assess caregiver stress and supports Best Practices: -Center the care plan around your loved one’s preferences and needs—engage them in decision-making -Use tools—templates, online guides, and local agencies—to structure your approach -Be flexible; needs and goals may shift over time No One-Size-Fits-All: Individual plans are most effective when adapted for your family’s size, culture, values, and situation. Consult professionals when you have legal or financial questions. Closing Thought: Every positive step is progress. You’re not alone—use the support available, and revisit your plan as your family’s needs evolve. Thank you for joining this caregiving journey. If you found this series helpful, please share and continue the conversation! See thrivent.com/social for important disclosures. #CaregivingJourney #ActionPlan #SandwichGeneration #AgingParents #ElderCare #FamilyPlanning

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You can't pour from an empty cup—caregiver burnout is real. Day 6: Protecting your own wellbeing while caring for others. Family caregivers are at higher risk of stress, anxiety, depression, and even declines in physical health. Research from the American Psychological Association shows that 40–70% of caregivers have symptoms of depression. 1 in 5 describe their own health as “fair” or “poor,” and nearly half report significant mental health struggles in the past year. Recognizing Burnout: -Constant fatigue, even after rest -Withdrawing from friends, family, or activities -Changes in appetite or sleep -Irritability, hopelessness, or physical illness -Feeling like nothing you do is enough Self-care isn’t selfish—it’s foundational. When you look after your own needs, you become better equipped for the demands of caregiving. Studies show that just 30 minutes of self-care daily can reduce caregiver stress by up to 47%. Practical Self-Care Strategies: 1)Build your support network—accept help from family, friends, and professionals 2)Set healthy boundaries—protect your time and capacity 3)Keep up with your own health appointments and self-care routines 4)Regular exercise, sleep, and balanced nutrition 5)Find short daily breaks for relaxation, even if it’s just five minutes 6)Use respite care services—regular breaks are not a luxury When Self-care Isn't Enough: Sometimes, the level of care needed exceeds what one person can safely provide. Seeking professional help for your loved one is an act of wisdom—not failure. Compassion for Yourself: You’ll have hard days. Show yourself the patience and understanding you offer to others. Connecting with other caregivers—through support groups or online communities—can reduce isolation and provide new ideas. Tomorrow: Creating a personal action plan that supports your loved ones and yourself. What’s your best self-care tip for balancing these responsibilities? #CaregiverSelfCare #BurnoutPrevention #SandwichGeneration #MentalHealthMatters

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You can't pour from an empty cup—caregiver burnout is real. Day 6: Protecting your own wellbeing while caring for others. Family caregivers are at higher risk of stress, anxiety, depression, and even declines in physical health. Research from the American Psychological Association shows that 40–70% of caregivers have symptoms of depression. 1 in 5 describe their own health as “fair” or “poor,” and nearly half report significant mental health struggles in the past year. Recognizing Burnout: -Constant fatigue, even after rest -Withdrawing from friends, family, or activities -Changes in appetite or sleep -Irritability, hopelessness, or physical illness -Feeling like nothing you do is enough Self-care isn’t selfish—it’s foundational. When you look after your own needs, you become better equipped for the demands of caregiving. Studies show that just 30 minutes of self-care daily can reduce caregiver stress by up to 47%. Practical Self-Care Strategies: 1)Build your support network—accept help from family, friends, and professionals 2)Set healthy boundaries—protect your time and capacity 3)Keep up with your own health appointments and self-care routines 4)Regular exercise, sleep, and balanced nutrition 5)Find short daily breaks for relaxation, even if it’s just five minutes 6)Use respite care services—regular breaks are not a luxury When Self-care Isn't Enough: Sometimes, the level of care needed exceeds what one person can safely provide. Seeking professional help for your loved one is an act of wisdom—not failure. Compassion for Yourself: You’ll have hard days. Show yourself the patience and understanding you offer to others. Connecting with other caregivers—through support groups or online communities—can reduce isolation and provide new ideas. Tomorrow: Creating a personal action plan that supports your loved ones and yourself. What’s your best self-care tip for balancing these responsibilities? #CaregiverSelfCare #BurnoutPrevention #SandwichGeneration #MentalHealthMatters

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There's still space available on our free “Estate Preservation for the Next Generation” webinar on Tuesday, October 28th at 1pm and 7pm ET. Learn about strategies around how to better prepare yourself for the “what-ifs” in life from our special guest speaker. No products will be sold. See thrivent.com/social for additional disclosures. RSVP at https://bit.ly/NortheastOct

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There's still space available on our free “Estate Preservation for the Next Generation” webinar on Tuesday, October 28th at 1pm and 7pm ET. Learn about strategies around how to better prepare yourself for the “what-ifs” in life from our special guest speaker. No products will be sold. See thrivent.com/social for additional disclosures. RSVP at https://bit.ly/NortheastOct

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The unexpected gifts that come with caring for aging parents. Day 5: Finding meaning and rewards in the caregiving journey. After discussing the practical challenges—difficult conversations, legal complexities, financial realities—let’s pause and acknowledge something equally important: the profound meaning many caregivers find in this role. Recent research finds that nearly 63 million Americans are family caregivers and that many report positive psychological changes, stronger family bonds, new skills, and a sense of purpose. While caregiving can be exhausting, the majority also describe it as deeply meaningful and rewarding. Opportunities for Connection and Growth: -Caregiving allows you to know your parents in new ways, sharing stories and wisdom that may have gone unnoticed -Many describe a sense of completing the circle of care—returning what their parents once gave them -Caregiving fosters resilience, advocacy skills, and personal growth -Small moments of connection, storytelling, or shared meals become treasured memories Modeling Values for Your Children: Your actions teach compassion, loyalty, and responsibility—shaping how your children will approach their own relationships and challenges. Embracing Complexity: Caregiving can be both rewarding and exhausting, both a privilege and a challenge. These feelings are not contradictory, but part of the reality of supporting someone you love. Ways to Cultivate Meaning: -Document the journey (photos, journals, stories) -Focus on quality time and celebrate small victories -Connect with other caregivers for mutual support -Reflect on how caregiving shapes your values and life perspective If you’re struggling: Some seasons are harder than others. Meaning may become clearer with time and reflection. Show yourself compassion—even when it’s difficult. Tomorrow: Prioritize your own wellbeing while caring for others. Have you discovered unexpected rewards through caregiving? Please share your story. See thrivent.com/social for important disclosures. #CaregivingJourney #FindingMeaning #SandwichGeneration #AgingParents #FamilyValues

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The unexpected gifts that come with caring for aging parents. Day 5: Finding meaning and rewards in the caregiving journey. After discussing the practical challenges—difficult conversations, legal complexities, financial realities—let’s pause and acknowledge something equally important: the profound meaning many caregivers find in this role. Recent research finds that nearly 63 million Americans are family caregivers and that many report positive psychological changes, stronger family bonds, new skills, and a sense of purpose. While caregiving can be exhausting, the majority also describe it as deeply meaningful and rewarding. Opportunities for Connection and Growth: -Caregiving allows you to know your parents in new ways, sharing stories and wisdom that may have gone unnoticed -Many describe a sense of completing the circle of care—returning what their parents once gave them -Caregiving fosters resilience, advocacy skills, and personal growth -Small moments of connection, storytelling, or shared meals become treasured memories Modeling Values for Your Children: Your actions teach compassion, loyalty, and responsibility—shaping how your children will approach their own relationships and challenges. Embracing Complexity: Caregiving can be both rewarding and exhausting, both a privilege and a challenge. These feelings are not contradictory, but part of the reality of supporting someone you love. Ways to Cultivate Meaning: -Document the journey (photos, journals, stories) -Focus on quality time and celebrate small victories -Connect with other caregivers for mutual support -Reflect on how caregiving shapes your values and life perspective If you’re struggling: Some seasons are harder than others. Meaning may become clearer with time and reflection. Show yourself compassion—even when it’s difficult. Tomorrow: Prioritize your own wellbeing while caring for others. Have you discovered unexpected rewards through caregiving? Please share your story. See thrivent.com/social for important disclosures. #CaregivingJourney #FindingMeaning #SandwichGeneration #AgingParents #FamilyValues

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Let’s talk about the costs most families aren’t prepared for. Day 4: Understanding the financial realities of caregiving. Research shows family caregivers spend an average of $7,200 per year out of pocket for caregiving. Many also reduce their work hours, impacting long-term earnings and retirement savings. -The Hidden Costs of Caregiving: -Medical costs not covered by insurance (co-pays, medications, equipment) -Home modifications (ramps, bathroom safety features) -Professional care services (home health aides, respite care, adult day programs) -Transportation to medical appointments -Specialized nutrition or dietary needs Indirect Impact: Many caregivers reduce hours or leave the workforce—research indicates average losses of over $300,000 in lifetime wages and benefits due to caregiving responsibilities. Extended Care Costs: If professional care is needed, the costs rise significantly depending on region, level of care, and facility type. Planning Strategies: -Have the financial conversation early—know your parent’s financial situation, assets, income, and coverage -Explore insurance, Medicare, and having an extended care strategy -Research government or community benefits—VA, Medicaid, local aging services -Discuss family contributions (financial and time)—open conversations prevent resentment -Protect your own financial future—consider professional financial guidance for complex needs -- These figures and ideas are for general educational purposes, not personalized financial advice. Consider consulting a financial professional for guidance specific to your family. -- Tomorrow: How to find meaning—and even rewards—in the caregiving journey. What financial aspects of caregiving surprised you the most? Share below for others who might benefit. See thrivent.com/social for important disclosures. #CaregivingCosts #FinancialPlanning #SandwichGeneration #ElderCare #FamilyFinances

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Let’s talk about the costs most families aren’t prepared for. Day 4: Understanding the financial realities of caregiving. Research shows family caregivers spend an average of $7,200 per year out of pocket for caregiving. Many also reduce their work hours, impacting long-term earnings and retirement savings. -The Hidden Costs of Caregiving: -Medical costs not covered by insurance (co-pays, medications, equipment) -Home modifications (ramps, bathroom safety features) -Professional care services (home health aides, respite care, adult day programs) -Transportation to medical appointments -Specialized nutrition or dietary needs Indirect Impact: Many caregivers reduce hours or leave the workforce—research indicates average losses of over $300,000 in lifetime wages and benefits due to caregiving responsibilities. Extended Care Costs: If professional care is needed, the costs rise significantly depending on region, level of care, and facility type. Planning Strategies: -Have the financial conversation early—know your parent’s financial situation, assets, income, and coverage -Explore insurance, Medicare, and having an extended care strategy -Research government or community benefits—VA, Medicaid, local aging services -Discuss family contributions (financial and time)—open conversations prevent resentment -Protect your own financial future—consider professional financial guidance for complex needs -- These figures and ideas are for general educational purposes, not personalized financial advice. Consider consulting a financial professional for guidance specific to your family. -- Tomorrow: How to find meaning—and even rewards—in the caregiving journey. What financial aspects of caregiving surprised you the most? Share below for others who might benefit. See thrivent.com/social for important disclosures. #CaregivingCosts #FinancialPlanning #SandwichGeneration #ElderCare #FamilyFinances

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The documents that protect your parents’ wishes—and your family’s peace of mind. Day 3: Understanding essential legal and financial protections. Yesterday, we discussed starting the conversation. Today, let’s talk about the documents your aging parents need—and why each matters. The Essential Four: 1. Healthcare Power of Attorney (Healthcare Proxy) Appoints someone to make medical decisions if your parent can’t communicate their wishes. Without it, even close family may face legal challenges during stressful times. 2. Living Will (Advance Directive) Specifies which medical interventions your parent does or does not want—including life support, resuscitation, and end-of-life care. Removes the burden from family members who might otherwise struggle with these choices. 3. Financial Power of Attorney Authorizes someone to handle finances, like paying bills or managing investments, if your parent becomes incapacitated. Without it, families may face costly court proceedings. 4. Will and/or Trust A will outlines how assets are distributed after death. A trust can provide additional protection and help avoid probate. Other important documents: -Life insurance policy information -Beneficiary designations (these override wills for retirement accounts/insurance) -Digital asset access (passwords, online accounts) -HIPAA Authorization (to allow release of medical information) Taking Action: If these documents don’t exist, consult an attorney for guidance. If they do, review and update as needed—especially after major life changes. -- This is educational information, not legal advice. Professional guidance is needed to ensure state and family-specific requirements are met. -- Tomorrow: Understanding the financial realities of caregiving. Have you helped your loved ones prepare these documents? What was the experience like for your family? See thrivent.com/social for important disclosures. #EstatePlanning #ElderLaw #CaregivingJourney #SandwichGeneration #LegalProtection

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The documents that protect your parents’ wishes—and your family’s peace of mind. Day 3: Understanding essential legal and financial protections. Yesterday, we discussed starting the conversation. Today, let’s talk about the documents your aging parents need—and why each matters. The Essential Four: 1. Healthcare Power of Attorney (Healthcare Proxy) Appoints someone to make medical decisions if your parent can’t communicate their wishes. Without it, even close family may face legal challenges during stressful times. 2. Living Will (Advance Directive) Specifies which medical interventions your parent does or does not want—including life support, resuscitation, and end-of-life care. Removes the burden from family members who might otherwise struggle with these choices. 3. Financial Power of Attorney Authorizes someone to handle finances, like paying bills or managing investments, if your parent becomes incapacitated. Without it, families may face costly court proceedings. 4. Will and/or Trust A will outlines how assets are distributed after death. A trust can provide additional protection and help avoid probate. Other important documents: -Life insurance policy information -Beneficiary designations (these override wills for retirement accounts/insurance) -Digital asset access (passwords, online accounts) -HIPAA Authorization (to allow release of medical information) Taking Action: If these documents don’t exist, consult an attorney for guidance. If they do, review and update as needed—especially after major life changes. -- This is educational information, not legal advice. Professional guidance is needed to ensure state and family-specific requirements are met. -- Tomorrow: Understanding the financial realities of caregiving. Have you helped your loved ones prepare these documents? What was the experience like for your family? See thrivent.com/social for important disclosures. #EstatePlanning #ElderLaw #CaregivingJourney #SandwichGeneration #LegalProtection

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.

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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.

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