Financial News and Articles with Stephen P Miller in Land O Lakes FL

Insights

As retirement gets closer, your financial focus may shift, and reassessing your risk tolerance becomes even more important. Here’s why. 👇 Your goals, time horizon and comfort level with market swings likely look different than they did 5 or 10 years ago. Your portfolio should reflect that. This guide can help you understand how risk tolerance works, why it matters and what influences it: https://bit.ly/49cq5pt Let’s review your strategy together and make sure your investments support your next chapter.

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Ever feel like investing is its own language? You’re not alone. If you’ve ever nodded along at words like “ETF” or “dollar-cost averaging” without really knowing what they meant, this guide is for you. Get the basics of investing explained simply—no jargon required. ➡️ https://bit.ly/49t3WCi

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Valentines for Veterans! This Valentine’s Day, we’re spreading love to our Veterans and active military by collecting Valentine cards! Ways to participate: ❤️ Drop off store-bought or handmade cards ❤️ Write a general thank-you message ❤️ Host a Valentine card-signing party 📍 Cards due by February 5, 2026 at any of our offices Let’s show our appreciation together. * Please refrain from religious messages and do not include your last name (if writing cards). #ValentinesForVeterans #ServeWithHeart #CommunityGiving #FloridaVeterans #FaithInAction For disclosures, please see thrivent.com/social

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Did you know our team, Advocate Wealth Advisors, has its own Facebook page? Head on over to follow the page for insights, first knowledge of webinars and community service opportunities, and to know your financial team! https://www.facebook.com/Advocate.Wealth.Advisors.Thrivent

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We are collecting Valentine cards to distribute to Veterans and active-duty military this Valentine's Day. If you would like to share a message of support and encouragement (non-religious, please), drop off signed cards by February 3rd. A small act like this can be just what they need in their day! See flyer below for specific details.❤️💕 For disclosures, please see thrivent.com/social

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Many people are surprised to learn that Medicare and Medicaid don’t provide the extended care coverage they expect. That’s why having a long-term care strategy can be an essential part of your financial plan. Not only does it help protect your savings—it can also preserve your choices. Thrivent is not connected with or endorsed by the U.S. government or the federal Medicare program.

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6 year-end financial tasksThe hustle and bustle of the holiday season can distract us from other action items on our checklist. End the year on a strong note by refocusing on your finances. Take a look at these tasks to complete before Dec. 31.

Today is National Take a Hike Day! Hiking has given our family such special moments to admire God's greatness in His creation as well precious time to connect as a family. We encourage you to "take a hike!"

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Tonight! Grab your favorite Christmas blanket and snuggle up to enjoy, Tidings for the Season, a holiday movie featuring generosity and Thrivent! Debuts tonight on the Hallmark channel at 8pm. Also shows November 18th at 10pm, the 22nd at 4pm, and the 26th at 10pm.

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November 2025 Market Update: Less data, lower rates, strong stocksOctober closed strong, and November is shaping up to be pivotal. AI-driven sectors continue to lead, while Fed rate cuts signal cautious optimism. Want to know what this means for portfolios? Dive into Thrivent's November Market Update for actionable insights.

AM Best has affirmed Thrivent's A++ (Superior) rating with stable outlook for 2025! 🌟 This demonstrates our continued financial strength and stability and commitment to serving our clients for generations to come. Rating is based on Thrivent's financial strength and claims-paying ability and does not apply to investment product performance.

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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.👇

CAKE in an appointment?! YES!!🎂 Our valued clients chose to meet with us between both of their birthdays, so we celebrated them with yummy cookie cake. We love our clients and enjoy sharing life's milestones together.

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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.

Estate planning begins with thoughtful decisions about your loved ones, your assets and your wishes for who and what matters most. Here are some tools to help you take the first step: https://bit.ly/4nl6Myk

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Pros & cons of paying off your mortgage before you retireIf you’re nearing retirement with a mortgage in tow, you’re not alone. But should you pay it off before you retire? While being debt-free can offer a sense of reassurance, in some cases, keeping your mortgage might actually be beneficial. Explore the pros and cons of having a mortgage during retirement.

Wealth transfer strategies: How to leave assets to your loved onesPassing on assets is more than drafting a will—it’s an opportunity to share the beliefs and goals that shape your legacy. By planning now, your legacy is shaped by intention, not left to chance. Let’s schedule time to connect and help ensure your values carry forward in a lasting way.

Are you ready for penalty-free retirement withdrawals? Reach out to learn more about taking withdrawals starting at age 59½ and how we can help you reach your retirement goals. See thrivent.com/social for important disclosures.

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Updating your life insurance: 7 life events that may affect your coverageIf you’re in one of these 7 life stages, it may be time to update your life insurance coverage. ⬇️

This is an incredibly valuable webinar for everyone! What no one wants to discuss could be the best present ever. We plan for weddings, college, vacation and retirement. Why is it so hard to plan for death? A Lifetime Gift is for anyone who wants tools to help you talk to loved ones and prepare. Certified Celebrant Shelly Halverson offers conversation starters and a practical checklist with encouraging instructions where you will: learn how planning ahead can bring peace of mind, discover the value of sharing information stored in your head and get helpful checklists and instructions for last wishes. Register early so the binder "toolkit" will arrive prior to the webinar. No products will be sold at the event. Register at https://connect.thrivent.com/kelly-grills/events

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