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Help your money last in retirement

A 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.

Discover how to help your savings go the distance, support your future health and care needs, and give you more freedom in retirement.

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Have sales experience, a calling to serve and a desire to grow? You may be the perfect fit for Thrivent’s Virtual Advice team. As a Virtual Advisor, you’ll connect with existing clients online, helping them build and refine financial strategies tailored to their values and goals. Along the way, you’ll strengthen relationships and make a meaningful difference in people’s lives. What you’ll gain: ✔️ A steady salary plus bonus opportunities ✔️ Comprehensive training and ongoing support ✔️ Full corporate benefits ✔️ Experience to advance in your career Explore the opportunity: thriventcareers.com/4mQHjMQ

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Have sales experience, a calling to serve and a desire to grow? You may be the perfect fit for Thrivent’s Virtual Advice team. As a Virtual Advisor, you’ll connect with existing clients online, helping them build and refine financial strategies tailored to their values and goals. Along the way, you’ll strengthen relationships and make a meaningful difference in people’s lives. What you’ll gain: ✔️ A steady salary plus bonus opportunities ✔️ Comprehensive training and ongoing support ✔️ Full corporate benefits ✔️ Experience to advance in your career Explore the opportunity: thriventcareers.com/4mQHjMQ

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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. Take the first step 👉 thriventcareers.com/3JPCcOS

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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. Take the first step 👉 thriventcareers.com/3JPCcOS

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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.

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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.

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🌟 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

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🌟 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

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🏃‍♀️📚 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

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🏃‍♀️📚 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

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🌟 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

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🌟 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

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🔄 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.

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🔄 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.

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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

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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

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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

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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

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.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. thrivent.com/privacy-and-security/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.

Designations

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

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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