Sequence of returns risk: What it means for your retirementThe 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.👇
🎙️ Featured on KPRC: Gen Z, “Revenge Saving,” and Reclaiming Financial Power 💸
I had the honor of joining Andy Cerota on KPRC to discuss a powerful financial movement gaining traction among Gen Z — “revenge saving.”
But here’s what’s truly inspiring: it’s not about restriction — it’s about reclaiming control, building confidence, and aligning money with purpose.
📱 From no-spend challenges to intentional budgeting, Gen Z is proving that small, consistent choices can lead to big confidence. In a world of rising prices and uncertainty, this mindset shift isn’t just smart — it’s transformational.
🧠 As I shared during the segment, saving today is no longer rooted in fear — it’s rooted in focus. It’s about asking:
👉 What truly matters most to me?
👉 What future am I building toward?
👉 How can I align my money with my values and purpose?
📺 Missed the interview? Catch the full KPRC segment below to see how Gen Z’s “revenge saving” movement is turning financial stress into empowerment.
If this message resonates with you — or if you’re ready to take control of your financial journey — I’d love to connect. Let’s talk about how to align your money with your mission.
📩 DM me or email sofia.hernandez@thrivent.com to start the conversation.
hashtag#RevengeSaving hashtag#GenZFinance hashtag#FinancialEmpowerment hashtag#PurposeDrivenWealth hashtag#HoustonFinance hashtag#Thrivent hashtag#SofiaHernandez hashtag#FinancialAdvisor hashtag#FaithAndFinance hashtag#KPRC
See thrivent.com/social for important disclosures.
Concepts presented are intended for educational purposes. This information should not be considered investment advice or a recommendation of any particular security, strategy, or product.
Help your money last in retirementA long life is a gift—let’s help make sure your finances can keep up. Start by building financial resilience against inflation, market swings, and rising health and care costs.
Have sales experience, a calling to serve and a desire to grow? You may be the perfect fit for Thrivent’s Virtual Advice team.
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✔️ Comprehensive training and ongoing support
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Start your next chapter—without starting from scratch.
Put your sales experience to work as a Thrivent Virtual Advisor. You’ll support clients remotely while enjoying a stable salary, full corporate benefits and a collaborative, mission-driven environment. We’ll provide the structure, training and support you need to grow with confidence. You'll meet virtually with existing clients, follow a structured schedule and earn a steady income with bonus potential as you learn the financial advisor role.
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🌟Dueños de negocios: estoy feliz de contarles que voy a participar como ponente en la Conferencia Nacional de la Cámara de Comercio Hispana de EE. UU. en Atlanta (del 21 al 23 de septiembre).
El panel se llama: “Small Business Solutions: Tips & Strategies”, patrocinado por @@Thrivent.
Sé lo que significa luchar todos los días por tu negocio: tener poco capital, proteger tus recursos, tomar decisiones que afectan tu futuro y el de tu familia. Por eso voy a compartir estrategias claras para que tu negocio crezca con confianza y visión.
Estos son algunos de los temas que voy a tocar:
1️⃣. Cómo estructurar tu negocio para crecer y protegerlo legal y fiscalmente.
2️⃣. Diversificar tus fuentes de financiamiento: no depender de un solo préstamo, explorar créditos y programas para emprendedores hispanos.
3️⃣. Fortalecer a tu equipo con beneficios (planes de retiro, seguros y educación financiera).
4️⃣. Manejar tu flujo de efectivo como un profesional: saber tus ingresos, gastos y proyecciones.
5️⃣. Conectar con la comunidad hispana: tu red puede abrirte mercados, alianzas y nuevas oportunidades.
💡Este evento no es solo aprendizaje, es una oportunidad para conectar con otros emprendedores que hablan en tu mismo idioma, entienden tu cultura y quieren verte crecer.
#USHCC #SmallBusiness #Entrepreneurship #FinancialPlanning hashtag#Thrivent #Networking #BusinessGrowth #BusinessFinance
Los productos y servicios de Thrivent podrían estar disponibles sólo en inglés.
🌟 Excited to share that I’ll be speaking at the USHCC National Conference 2025 in Atlanta (Sept 21–23) on the panel:
“Small Business Solutions: Financial Tips & Tricks” sponsored by @Thrivent.
As both a financial advisor and business owner, I know the challenges entrepreneurs face: access to capital, protecting what you’ve built, and balancing today’s needs with tomorrow’s dreams.
Here are 5 powerful takeaways I’ll be sharing with business owners:
1️⃣ Build business credit early – Separate personal and business finances to access better loans and opportunities.
2️⃣ Protect your business & family – Key person insurance, liability coverage, and reserves safeguard everything you’ve worked for.
3️⃣ Pay yourself first – Don’t reinvest every penny; create a plan for retirement and your long-term goals.
4️⃣ Plan for taxes strategically – Use business structure advantages, retirement accounts, and deductions to minimize tax burden and reinvest more into growth.
5️⃣ Monitor cash flow consistently – Track income, expenses, and projections to avoid surprises and make informed growth decisions.
💡 Conferences like this are more than sessions—they’re about connections that spark growth. The conversations we start here can open doors to partnerships, strategies, and opportunities that transform businesses.
👉 If you’re attending, I’d love to connect in person. If not, let’s connect here on LinkedIn to keep building strong, financially resilient businesses together.
#USHCC #SmallBusiness #Entrepreneurship #FinancialPlanning #Thrivent #Networking #BusinessGrowth #BusinessFinance
Disclosures: thrivent.com/social
🏃♀️📚 Running marathons taught me this: success is built step by step.
That same discipline drives me as a financial advisor. I’m advancing through Dalton Education’s curriculum — not because I have to, but because my clients deserve advice that goes the extra mile.
So far, I’ve completed:
✅ Fundamentals of Financial Planning
✅ Insurance Planning
✅ Investment Planning
✅ Tax Planning
Each step strengthens my ability to deliver smarter strategies, protect what matters most, and guide my clients toward lasting financial confidence.
For me, continuous learning isn’t optional — it’s part of my commitment to serve with excellence, wisdom, and faith.
✨ If you’ve been thinking about your financial future and want clarity on your next steps, I’d love to be a resource. Let’s connect: https://connect.thrivent.com/sofia-hernandez
#FinancialAdvisor #FaithAndFinance #ContinuousLearning #WomenInFinance #FinancialPlanning #ClientFocused
🌟 Advanced Tip for Professional Women 🌟
At the Inspired Women event, I was reminded of the power of connection and purpose. When women gather with intention, transformation begins—not just in our personal lives, but in our finances too.
💡 Advanced Strategy:
Move beyond a simple budget and create a Values-Based Spending Plan. This approach transforms money from a source of stress into a tool for freedom—directing every dollar toward what matters most: family, future, and faith.
📖 “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” — Proverbs 21:5
✨ Imagine the impact when your financial house is strong:
✔️ Stability today
✔️ Growth for tomorrow
✔️ A legacy for generations
I’m grateful for events like Inspired Women that remind us: we are not just managing money—we’re shaping futures.
👉 Let’s connect if you’re ready to align your finances with your values and step boldly into financial confidence.
#InspiredWomen #Financialconfidence #WomenProfessionals #FaithAndFinance #BiblicalWisdom #FinancialPlanning
🔄 Empresaria latina, aprovecha este momento para revisar y fortalecer tus finanzas.
Este es un buen momento para detenerte, evaluar cómo va todo y hacer los ajustes necesarios para terminar el año con fuerza. No se trata sólo de tu negocio, también de tu legado como mujer visionaria
Aquí tienes tres movimientos financieros clave para cerrar el año con estrategia y seguridad:
1️⃣ Revisa tu flujo de efectivo
Pon atención a tus números. Haz un pronóstico para los próximos meses y arma un fondo de emergencia (tres a seis meses de gastos de tu negocio). Tener tranquilidad financiera te da poder.
2️⃣ Protege tu legado
Como mujeres, solemos liderar con el corazón, pero un legado necesita estructura. Revisa la situación legal de tu empresa, actualiza tus documentos importantes y considera un seguro de personas clave si otros dependen de tu liderazgo.
3️⃣Planea con intención
Abre un plan de retiro (Solo 401(k) o SEP IRA) para pagar menos impuestos y asegurar tu futuro. Las mujeres inteligentes construyen riqueza con intención, no con presión.
💡 Muchos negocios de mujeres latinas están prosperando hoy, pero no siempre están preparados para el futuro. Tú puedes romper ese ciclo.
✨ La esperanza también es una estrategia, especialmente cuando la respaldas con acción decidida y sabia.
🤝 Si quieres hacer crecer tu negocio con propósito y protección, contáctame. No tienes que hacerlo sola.
Inglés podrías ser el único idioma disponible.
Visita thrivent.com/social para ver divulgaciones importantes.
Every experience. Every challenge. Every victory.
It’s all been part of the preparation. 🙌
What an incredible honor to speak at the Thrivent National Women’s Event, surrounded by women of wisdom, purpose, and bold faith.
In my session, I shared this truth:
👉 Your niche isn’t something you chase — it’s something you grow into.
Your story, your skills, your healing, and your setbacks — they’ve all equipped you to serve the people who are already waiting for someone like you.
Your journey was never just about you — it’s preparation for impact.
I walked away deeply inspired by:
🚀 Joan Higginbotham, who reminded us that breaking barriers makes space for others.
🧠 Kiley Peters, who spoke powerfully on fearless leadership and owning your voice.
🌟 And our amazing CEO, Terry Rasmussen, who encouraged us to stay curious, take risks, and trust God’s plan.
A heartfelt thank you to the incredible team who made this event possible — especially Emily Bouche, Laura Cheeley, and the entire planning committee. Your work created space for transformation.
To every woman walking in her calling or still discovering it — don’t underestimate what your life has prepared you for.
You are called. You are ready. And you are needed.
#ThriventWomen #FaithAndFinance #FearlessLeadership #WomenInBusiness #PurposeDriven #GodHasAPlan #LegacyInTheMaking #WomenInFinance #KingdomCalling
Disclosures: thrivent.com/social
One year ago, I had the privilege of being part of the inaugural Behavioral Financial Advice (BFA) cohort — an experience that transformed the way I serve my clients.
A couple of weeks ago, I was honored to be invited back to share best practices with my fellow advisors and to reflect on how behavioral insights and holistic financial planning can truly change lives.
At the core of Behavioral Financial Advice is the understanding that money is never just about numbers. It's about emotions, values, choices, and life purpose.
✨ I want to extend a special thanks to @Mike Stehlik, @Katey Johnson, MBA, and @DawnMarie Montgomery for trusting me and creating a space where authentic conversations and transformation can happen.
👏 Congratulations to my incredible co-leads, @Rick Hart and @Amy Clark. Your presentations were insightful, inspiring, and action-oriented!
Let’s continue this journey of helping clients not only manage their money but also live out their values with clarity, confidence, and freedom.
#BehavioralFinance #FinancialPlanningWithPurpose #HolisticAdvice #BFA #ClientCentered #EmotionalIntelligence #AdvisorGrowth #Gratitude #FaithAndFinance
Disclosures: thrivent.com/social
🚨 Are you over 50 and behind on retirement savings?
You’re not alone… but you’re also not out of time.
This month, I’m helping several amazing women and couples take control of their future using these three power moves:
✅ Catch-Up Contributions – If you’re over 50, you can save more than younger investors. Are you taking advantage of it?
✅ Tax-Efficient Buckets – Most people don’t realize that where you save money (Roth IRA, 401(k), brokerage) matters just as much as how much you save.
✅ Faith-Fueled Legacy Planning – What you leave behind should reflect what you believed while you lived. That’s real wealth.
💡 Here’s the truth: You can’t change the past. But you can absolutely design the next chapter — with wisdom, strategy, and stewardship.
📩 DM me “Retire Right” and I’ll send you my 3-step checklist to make sure your plan is still aligned with your values, goals, and God-given vision.
#RetireWithPurpose #FaithAndFinance #LatinaAdvisor #ChristianFinancialPlanner #Over50Money #LegacyMatters #HoustonFinance #FinancialFreedomStartsNow
Disclosures: thrivent.com/social
Elevating Hispanic Business Owners with Strategic Financial Planning 🇲🇽📈
I recently led a powerful training session for Hispanic entrepreneurs—and walked away inspired by their drive, resilience, and hunger for financial knowledge.
As business owners, it’s not just about making money—it’s about making your money work for you and your future. Here are 3 financial tips I shared during the workshop:
🔹 Invest Beyond the Business – Diversify your wealth through investment portfolios tailored to your risk tolerance, timeline, and goals. Your business is one asset—don’t let it be your only one.
🔹 Maximize Tax Efficiency – Use strategies like SEP IRAs, Solo 401(k)s, and asset location (tax-deferred vs. taxable accounts) to minimize taxes and retain more of what you earn.
🔹 Legacy Planning Matters – Establish or update your estate plan, fund a living trust, and consider business succession strategies that reflect your values and protect your loved ones.
Our community deserves access to this level of financial insight. If you’re a Hispanic business owner ready to take your finances to the next level—or you lead a group that could benefit from this training—I’d love to connect!
Let’s build lasting wealth, together. 💬
#LatinoEntrepreneurs #FinancialAdvisor #InvestmentPlanning #TaxEfficiency #LegacyBuilding #HispanicBusinessOwners #FaithAndFinance #WealthWithPurpose
Disclosures: thrivent.com/social
Financial conversations with your partner can feel intimidating—especially when money histories, values, or goals differ. But taking small, thoughtful steps can make all the difference.
As a financial advisor who works with women and couples navigating this very journey, I love how this article from Thrivent outlines actionable advice—one step at a time.
Some gentle reminders that stood out:
✨ Talk openly about your financial past—without shame.
✨ Align on shared values—especially if you believe your resources are a gift from God.
✨ Avoid “financial infidelity” by being transparent about spending and saving.
✨ Create a shared vision for your future through a bucket list or long-term goals.
✨ Work with a trusted advisor to help bridge communication gaps.
🕊️ In my work, I often see how clarity and connection around money can transform relationships—not just portfolios.
If you’re ready to have these kinds of meaningful conversations in your own life, I’d love to be a supportive resource.
📩 Let’s connect or chat about what “financial confidence” could look like in your home https://connect.thrivent.com/sofia-hernandez
#FaithAndFinance #Financialconfidence #Thrivent #ChristianFinancialAdvisor #WomenAndMoney #CouplesAndMoney #MoneyConversations #FinancialWellness #BehavioralFinance
Disclosures: thrivent.com/social
🌸✨ Sisterhood. Strength. Strategy. ✨🌸
International Conference for Women | Greater Houston Women’s Chamber of Commerce
I had the incredible honor of gathering with powerhouse women from across the globe—dreamers, doers, and legacy builders—at the International Women’s Conference.
Every conversation was a reminder:
We don’t have to do this journey alone.
Whether you’re growing a business, raising a family, or building a financial future—your purpose deserves support.
I left the room filled with clarity, inspiration, and deeper conviction in my calling:
👉🏽 To help women walk in financial confidence, with wisdom as our foundation and legacy as our goal.
🙌🏽 When women uplift each other, we don’t just rise—we soar.
💛 If you’re ready to grow your wealth, embrace your calling, and live with intentional peace—let’s connect https://connect.thrivent.com/sofia-hernandez
#GHWCC #WomensConference #FaithAndFinance #WomenOfPurpose #LatinaFinancialAdvisor #WomenSupportingWomen #LegacyBuilders #KingdomCalling #EmpoweredLiving #GreaterHoustonWomen #RiseTogether #FinancialAdvisorForWomen
Disclosures: thrivent.com/social
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
5 financial risks (and how to adapt your financial plan)Are you prepared for financial changes? With proactive planning and flexible strategies, you can manage risks and habits that could impact your financial plan. Learn more about protecting your finances from what-ifs. ⬇️
