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

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I still have a few seats left for our free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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I still have a few seats left for our free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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Free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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Free event: Don't Worry, Retire Happy with Tom Hegna at The Club at Spurwing. If you want more control of retirement, there are seven steps you can follow. Retirement income expert Tom Hegna says it starts with having a plan. Join him for Don't Worry, Retire Happy where he will share insights about guaranteed income, Social Security, guarding against inflation and more. • Learn how to maximize Social Security • Protect your savings from inflation • Secure more retirement income RSVP required to reserve your seat. 🎂 At this event, we are collecting birthday cake kits for The Salvation Army's Family Services Program. These birthday cake kits help children in need celebrate their birthday. The Salvation Army Family Services Program provides the most comprehensive range of social service programs of any organization in the Treasure Valley to help families and individuals seeking to rise above poverty and live self-sufficiently. If you would like to participate by bringing birthday cake kits, please collect the items below into a simple birthday gift bag(s): (all items must be store-bought) • Boxed cake mix. • Disposable cake pan. • Container of frosting. • Box of candles. • Optional items: Disposable birthday tablecloth, party hats, party favors, etc. DM me to reserve your seat and I will send you the event time and location address You are welcome to bring friends! Let me know how many friends will be attending when you RSVP. Limited seating so reserve your spot today. No products will be sold. Tom Hegna is not affiliated with or endorsed by Thrivent. The views expressed in this presentation by Tom Hegna are their own and not necessarily those of Thrivent or its affiliates. Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Licensed agent/producer of Thrivent. Thrivent.com/disclosures.

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Happy Easter to you and your family! Hope your day is filled with celebration and special moments.

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Happy Easter to you and your family! Hope your day is filled with celebration and special moments.

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Celebrating small wins has a bigger impact on the brain. A few years ago, my wife and I made a decision: we were going to deliberately celebrate the small stuff. We started acknowledging little things like a new habit sticking, overcoming an obstacle, even making it through a tough week. Here’s what we’ve learned about recognizing the small wins: 1. Triggers dopamine—the motivation chemical. Even small accomplishments give your brain a hit of dopamine, which boosts mood and motivation. When you only chase big wins, you delay that feedback loop. Small wins keep you engaged and energized in the meantime. 2. Builds momentum. Your brain loves progress. Celebrating small steps reinforces the habit of moving forward, which makes it easier to keep going—even when the big goal feels far away. 3. Shifts focus from outcome to process. Big wins are outcome-driven. Small wins help your brain focus on what you can control—your habits, your effort, your consistency. That shift reduces overwhelm and increases resilience. 4. Rewires your perception of success. When you recognize and celebrate smaller milestones, your brain starts to associate progress with success—not just perfection or final results. That makes the journey more sustainable (and more enjoyable). And, maybe most importantly- 5. Reduces burnout. Waiting for a big, flashy result keeps your brain in a delayed gratification mode. Small wins give it relief, which prevents the fatigue and detachment that come from working without visible reward. So, last week, we celebrated some small wins with a hike and hot springs. Challenge: celebrate a small win today. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social #SmallWins #Celebrate #Motivation #DopamineHit #FeedbackLoop #Success #Resilience

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Celebrating small wins has a bigger impact on the brain. A few years ago, my wife and I made a decision: we were going to deliberately celebrate the small stuff. We started acknowledging little things like a new habit sticking, overcoming an obstacle, even making it through a tough week. Here’s what we’ve learned about recognizing the small wins: 1. Triggers dopamine—the motivation chemical. Even small accomplishments give your brain a hit of dopamine, which boosts mood and motivation. When you only chase big wins, you delay that feedback loop. Small wins keep you engaged and energized in the meantime. 2. Builds momentum. Your brain loves progress. Celebrating small steps reinforces the habit of moving forward, which makes it easier to keep going—even when the big goal feels far away. 3. Shifts focus from outcome to process. Big wins are outcome-driven. Small wins help your brain focus on what you can control—your habits, your effort, your consistency. That shift reduces overwhelm and increases resilience. 4. Rewires your perception of success. When you recognize and celebrate smaller milestones, your brain starts to associate progress with success—not just perfection or final results. That makes the journey more sustainable (and more enjoyable). And, maybe most importantly- 5. Reduces burnout. Waiting for a big, flashy result keeps your brain in a delayed gratification mode. Small wins give it relief, which prevents the fatigue and detachment that come from working without visible reward. So, last week, we celebrated some small wins with a hike and hot springs. Challenge: celebrate a small win today. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social #SmallWins #Celebrate #Motivation #DopamineHit #FeedbackLoop #Success #Resilience

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Feeling the pressure of market ups and downs? A Multi-Year Guaranteed Annuity (MYGA) might be your answer. It locks in a fixed interest rate for 3, 5, 7, or 9 years, offering a stable, low-risk way to grow your savings, withOUT fees. With MYGAs there's no need to worry about market swings. Your returns are predictable. Great for those looking to balance risk and plan for the future. Curious if a MYGA fits your plan? I'm here for questions. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social

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Feeling the pressure of market ups and downs? A Multi-Year Guaranteed Annuity (MYGA) might be your answer. It locks in a fixed interest rate for 3, 5, 7, or 9 years, offering a stable, low-risk way to grow your savings, withOUT fees. With MYGAs there's no need to worry about market swings. Your returns are predictable. Great for those looking to balance risk and plan for the future. Curious if a MYGA fits your plan? I'm here for questions. ________ I'm Steve—I help individuals like you find financial clarity at every stage of life. Why? Because when we have financial clarity we are better parents, business owners, leaders, neighbors, and community members. Follow for actionable financial tips that fit your life, networking opportunities, and generosity inspiration. Disclosures: Thrivent .com/social

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America's Greatest Workplaces for Women 2025

Excited to share that Thrivent has once again been named one of America's Greatest Workplaces for Women by Newsweek! Grateful that Thrivent is committed to championing women in business and finance! #Thrivent #Newsweek #WomenInLeadership #WomenInFinance #TeamThrivent #Leadership Disclosures: Thrivent com/social https://rankings.newsweek.com/americas-greatest-workplaces-women-2025

Newsweek is partnering with Plant-A Insights Group to spotlight America's Greatest Workplaces for Women 2025. These companies are committed to creating...

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Any gardeners out there? What are you growing in your garden this year? Investing doesn't have to be as complicated as it sounds. I get it, it's really intimidating for some of us because we weren't taught this stuff in school. so, let me break it down for you: - Start early or start now. Today is the best day to begin. - Diversify your investments to manage risk. - Review and adjust your strategy regularly as your life changes. - Stay consistent with your contributions, even during tough times. - If you're starting to invest later than you'd like, explore strategies that create guaranteed income later in life. - Consider getting advice from a financial advisor to create a personalized plan. Make sure it's someone you trust. And, in case you're wondering, I have a black thumb. Just ask my wife. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. Also, due to the mention of guaranteed rates, please add the following disclosure to the end of the post: Guarantees based on the financial strength and claims-paying ability of the company. #Gardening #InvestingIsEasy #StartToday #FinancialClairty #FinancialWins #Thrivent

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Any gardeners out there? What are you growing in your garden this year? Investing doesn't have to be as complicated as it sounds. I get it, it's really intimidating for some of us because we weren't taught this stuff in school. so, let me break it down for you: - Start early or start now. Today is the best day to begin. - Diversify your investments to manage risk. - Review and adjust your strategy regularly as your life changes. - Stay consistent with your contributions, even during tough times. - If you're starting to invest later than you'd like, explore strategies that create guaranteed income later in life. - Consider getting advice from a financial advisor to create a personalized plan. Make sure it's someone you trust. And, in case you're wondering, I have a black thumb. Just ask my wife. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. Also, due to the mention of guaranteed rates, please add the following disclosure to the end of the post: Guarantees based on the financial strength and claims-paying ability of the company. #Gardening #InvestingIsEasy #StartToday #FinancialClairty #FinancialWins #Thrivent

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I have a few spots left for April 2nd at Hotel Renegade (Boise). Doors open 5:30 PM. Dinner 6 PM. RSVP to me so I can register you and reserve your spot. Think of when you were at your best. Maybe you felt confident. Or powerful. Or passionate about life. What if you could be at your best more often? What if you could unleash the same power again and again? Inspired by this idea, Eric Boles, the CEO and Founder of The Game Changers, Inc. created a step-by-step approach to boosting performance in every part of life in his book, Moving to Great: Unleashing Your Best in Life and Work. Join us for this engaging presentation where you'll learn how to: - Identify your goals with clarity. - Overcome complacency to unleash your full potential. - Be your best more of the time. Free event. No products will be sold. Dinner included. Spots will fill up fast so let me know soon if you are interested. By RSVP only. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social

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I have a few spots left for April 2nd at Hotel Renegade (Boise). Doors open 5:30 PM. Dinner 6 PM. RSVP to me so I can register you and reserve your spot. Think of when you were at your best. Maybe you felt confident. Or powerful. Or passionate about life. What if you could be at your best more often? What if you could unleash the same power again and again? Inspired by this idea, Eric Boles, the CEO and Founder of The Game Changers, Inc. created a step-by-step approach to boosting performance in every part of life in his book, Moving to Great: Unleashing Your Best in Life and Work. Join us for this engaging presentation where you'll learn how to: - Identify your goals with clarity. - Overcome complacency to unleash your full potential. - Be your best more of the time. Free event. No products will be sold. Dinner included. Spots will fill up fast so let me know soon if you are interested. By RSVP only. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social

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Retirement savings by age: How much should you have?

Planning for retirement can seem like a long and complex journey. Knowing how much to save is a foundational piece of achieving your retirement goals—check out these planning milestones based on your age.

This series breaks down retirement savings by age, covering detailed guidelines on the best financial moves to make at every time of your life.

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You've got until April 15th to max out your IRA contributions for 2024 (or until you file your taxes if you have an extension). This is one of the best ways to save for retirement and lower your taxable income. Don't wait until the last minute. Make sure you're doing everything you can to set yourself up for a stronger financial future. Need help with your IRA or contributions? Let's talk. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social #Taxes #IRA #Deadlines #SavvyTaxes #TaxableIncome

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You've got until April 15th to max out your IRA contributions for 2024 (or until you file your taxes if you have an extension). This is one of the best ways to save for retirement and lower your taxable income. Don't wait until the last minute. Make sure you're doing everything you can to set yourself up for a stronger financial future. Need help with your IRA or contributions? Let's talk. ------------ I'm Steve Alderete. I love helping people find financial clarity throughout their lives. Follow for tips and networking opportunities in the Treasure Valley. Disclosures: Thrivent .com/social #Taxes #IRA #Deadlines #SavvyTaxes #TaxableIncome

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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