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

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Longevity risk: What it is & how to prepare for it in retirement

A long life is a blessing to enjoy, but it also requires careful preparation. Living longer than expected (also known as longevity risk), can put pressure on your retirement savings. Here's how to protect your future. ⬇️

A long life is an amazing blessing to enjoy, but without proper planning, it can throw a wrench into your long-term retirement plans. Longevity risk is the...

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Car Insurance – Yes, I need this in case I get in an accident and it costs $50,000 Home Insurance – Yes, I need this in case something happens to my house and costs $500,000 Income Insurance – Yes, I have the $10,000 work group policy, that should cover me right? Life insurance is a complicated topic that in many cases is uncomfortable to discuss. We are going to keep today’s post simple and just talk about Term Insurance. Term is the lowest cost insurance and is a cost-effective way to protect your income. Term provides coverage for a set period of time. If you have people depending on your income such as a spouse and children, you should consider protecting your income. Imagine what financial goals would need to be changed if something happened to you? Could your family still afford your house? Could they afford their school or plans for college? Would they be able to make the car payments and buy groceries? As I mentioned, Term insurance is the most cost effective to cover income replacement. You can also structure the term policy lengths to better match need and lower costs further. If you would like to discuss specifics for your financial situation and see which type of insurance product suit your needs, please reach out to me directly. I would love to have the discussion! If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited. See thrivent.com/social for important disclosures.

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Car Insurance – Yes, I need this in case I get in an accident and it costs $50,000 Home Insurance – Yes, I need this in case something happens to my house and costs $500,000 Income Insurance – Yes, I have the $10,000 work group policy, that should cover me right? Life insurance is a complicated topic that in many cases is uncomfortable to discuss. We are going to keep today’s post simple and just talk about Term Insurance. Term is the lowest cost insurance and is a cost-effective way to protect your income. Term provides coverage for a set period of time. If you have people depending on your income such as a spouse and children, you should consider protecting your income. Imagine what financial goals would need to be changed if something happened to you? Could your family still afford your house? Could they afford their school or plans for college? Would they be able to make the car payments and buy groceries? As I mentioned, Term insurance is the most cost effective to cover income replacement. You can also structure the term policy lengths to better match need and lower costs further. If you would like to discuss specifics for your financial situation and see which type of insurance product suit your needs, please reach out to me directly. I would love to have the discussion! If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited. See thrivent.com/social for important disclosures.

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Thrivent has been named one of the World’s Most Ethical Companies by Ethisphere for the 14th year in a row. It’s an honor to work for an organization that’s committed to serving its clients, its workforce and its community with integrity. Learn more about this recognition: https://bit.ly/43B6P2o

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Thrivent has been named one of the World’s Most Ethical Companies by Ethisphere for the 14th year in a row. It’s an honor to work for an organization that’s committed to serving its clients, its workforce and its community with integrity. Learn more about this recognition: https://bit.ly/43B6P2o

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Missouri becomes the first state to make capital gains tax free. What does this mean for your investment strategy? Should you make any adjustments? Reach out and let's have the conversation! Missouri Senate Website SB 46 - For all tax years beginning on or after January 1, 2025, this act authorizes an income tax deduction for one hundred percent of all income reported as a capital gain for federal income tax purposes. 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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Missouri becomes the first state to make capital gains tax free. What does this mean for your investment strategy? Should you make any adjustments? Reach out and let's have the conversation! Missouri Senate Website SB 46 - For all tax years beginning on or after January 1, 2025, this act authorizes an income tax deduction for one hundred percent of all income reported as a capital gain for federal income tax purposes. 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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This last Sunday we used one of our Action Teams to help fund our church Serve Sunday event! See the post from Elevation STL for more information! Our son Jay had a blast filling the packs and supervising Mom and Dad. If you are a client and would like more information about how to use these Action Team funds for your church, please reach out! Thrivent wants you to be generous! https://www.facebook.com/share/p/19Xog2yTfW/

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This last Sunday we used one of our Action Teams to help fund our church Serve Sunday event! See the post from Elevation STL for more information! Our son Jay had a blast filling the packs and supervising Mom and Dad. If you are a client and would like more information about how to use these Action Team funds for your church, please reach out! Thrivent wants you to be generous! https://www.facebook.com/share/p/19Xog2yTfW/

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2025 Midyear Market Outlook

Will market volatility continue into the second half of 2025? Thrivent leaders share thoughts on what may happen in the Midyear Market Outlook.

We don’t anticipate the market roller coaster will get less bumpy in the second half of 2025.

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Love paying taxes? I have yet to meet with a client who wants to give the government more of their money. Roth and Traditional retirement accounts are designed to improve your tax efficiency and help you save for retirement. But not everyone has been explained the difference. Roth accounts are funded with after tax dollars (no tax deduction), grow tax free and have tax free distributions at retirement. Traditional accounts are funded with before tax dollars (tax deduction), grow tax free and the distributions are taxed as ordinary income at retirement. Why would you want to pay taxes now with a Roth account? Why not get a tax deduction this year with the traditional contributions? Well it depends… The way we work with clients is to review your current tax efficiency mix and then project forward to what this mix will look like in retirement. For example, you would pay 32% on income over $197,300 for single filers and $394,600 for married joint in 2025. It can save you tens or even hundreds of thousands of dollars to pay the tax this year and avoid that 32% bracket in the future. It is hard to say what tax rates will be in the future but $37 trillion in national debt makes it hard to believe it will be lower. This review can be extremely beneficial! If you would like to discuss specifics for your financial situation, please reach out to me directly. I would love to have the discussion! 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. Roth IRA contributions are not tax-deductible, but withdrawals of contributions and earnings are tax-free, if you follow the rules. To withdraw earnings without penalties, you must first have the account for five years and be age 59½.

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Love paying taxes? I have yet to meet with a client who wants to give the government more of their money. Roth and Traditional retirement accounts are designed to improve your tax efficiency and help you save for retirement. But not everyone has been explained the difference. Roth accounts are funded with after tax dollars (no tax deduction), grow tax free and have tax free distributions at retirement. Traditional accounts are funded with before tax dollars (tax deduction), grow tax free and the distributions are taxed as ordinary income at retirement. Why would you want to pay taxes now with a Roth account? Why not get a tax deduction this year with the traditional contributions? Well it depends… The way we work with clients is to review your current tax efficiency mix and then project forward to what this mix will look like in retirement. For example, you would pay 32% on income over $197,300 for single filers and $394,600 for married joint in 2025. It can save you tens or even hundreds of thousands of dollars to pay the tax this year and avoid that 32% bracket in the future. It is hard to say what tax rates will be in the future but $37 trillion in national debt makes it hard to believe it will be lower. This review can be extremely beneficial! If you would like to discuss specifics for your financial situation, please reach out to me directly. I would love to have the discussion! 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. Roth IRA contributions are not tax-deductible, but withdrawals of contributions and earnings are tax-free, if you follow the rules. To withdraw earnings without penalties, you must first have the account for five years and be age 59½.

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WOW!!! This definitely exceeded my expectations!!! We had around 25 families come by for the ice cream social we held at our house. The kids were having a blast and the weather was perfect. You can see from the photos that the neighborhood was able to raise a significant amount of food and resources for Kirk Care. Huge thank you to everyone that came out and supported the event. The ice cream truck was funded by a Thrivent Action Team which is one of our member benefits. If you would like more information on how you can become a member please reach out. And if you are a member, let's collaborate on a future event for your favorite charity!

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WOW!!! This definitely exceeded my expectations!!! We had around 25 families come by for the ice cream social we held at our house. The kids were having a blast and the weather was perfect. You can see from the photos that the neighborhood was able to raise a significant amount of food and resources for Kirk Care. Huge thank you to everyone that came out and supported the event. The ice cream truck was funded by a Thrivent Action Team which is one of our member benefits. If you would like more information on how you can become a member please reach out. And if you are a member, let's collaborate on a future event for your favorite charity!

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These are my 3 core values for how I conduct my practice. Core Value - #3 DATA DRIVEN - Do the math, know the numbers With a master's degree in accounting, I have a deep appreciation for the clarity that well-structured calculations bring. While most financial decisions involve hypothetical assumptions, they also often lead to a clear mathematical conclusion about which option is most advantageous. For example, determining whether a Roth conversion is beneficial this year—and, if so, the optimal amount to convert—requires careful analysis. However, financial choices are not solely driven by numbers. The emotional dynamics and specific goals of your family play a significant role in shaping the best path forward. Our process integrates both the mathematical and emotional components of financial planning to create tailored strategies that align with each family's unique circumstances. If you would like to explore options specific to your financial situation, I would love to connect and discuss how we can develop a plan that works for you. 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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These are my 3 core values for how I conduct my practice. Core Value - #3 DATA DRIVEN - Do the math, know the numbers With a master's degree in accounting, I have a deep appreciation for the clarity that well-structured calculations bring. While most financial decisions involve hypothetical assumptions, they also often lead to a clear mathematical conclusion about which option is most advantageous. For example, determining whether a Roth conversion is beneficial this year—and, if so, the optimal amount to convert—requires careful analysis. However, financial choices are not solely driven by numbers. The emotional dynamics and specific goals of your family play a significant role in shaping the best path forward. Our process integrates both the mathematical and emotional components of financial planning to create tailored strategies that align with each family's unique circumstances. If you would like to explore options specific to your financial situation, I would love to connect and discuss how we can develop a plan that works for you. 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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These are my 3 core values for how I conduct my practice. Core Value - #2 BE A GOOD PERSON - Good things happen to good people Money is more than a financial goal—it is a powerful tool for making a positive impact in our communities. At Thrivent, we offer unique member benefits and resources to help clients support the causes that matter most to them. Charitable giving will be a foundational element of my practice, and I am committed to helping individuals and families find meaningful ways to give back. If you have a charitable organization that is important to you, I would love to have the discussion on how we can collaborate to make a difference. Let’s connect and explore how we can work together to support the causes that inspire you.

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These are my 3 core values for how I conduct my practice. Core Value - #2 BE A GOOD PERSON - Good things happen to good people Money is more than a financial goal—it is a powerful tool for making a positive impact in our communities. At Thrivent, we offer unique member benefits and resources to help clients support the causes that matter most to them. Charitable giving will be a foundational element of my practice, and I am committed to helping individuals and families find meaningful ways to give back. If you have a charitable organization that is important to you, I would love to have the discussion on how we can collaborate to make a difference. Let’s connect and explore how we can work together to support the causes that inspire you.

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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