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Insights

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

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Financial Fitness Friday!! Today’s Tip: Separate Personal and Business Finances Use separate bank accounts and credit cards. Although there is no legal requirement for this, it’s good practice to maintain separate accounts and there are many reasons why. It simplifies taxes, reduces liability risks by creating a clear audit trail, and gives a clearer picture of business performance. It also creates a business credit score that’s separate from your personal one. It does take some time and effort, but your future self will thank you for it! See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s Tip: Separate Personal and Business Finances Use separate bank accounts and credit cards. Although there is no legal requirement for this, it’s good practice to maintain separate accounts and there are many reasons why. It simplifies taxes, reduces liability risks by creating a clear audit trail, and gives a clearer picture of business performance. It also creates a business credit score that’s separate from your personal one. It does take some time and effort, but your future self will thank you for it! See Thrivent.com/social for important disclosures

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Market uncertainty: Tariffs and economic policy drive volatility

Uncertainty around economic and trade policies is weighing on confidence for both individuals and businesses. Read more from Thrivent's Chief Investment Strategist on current volatility and other market conditions.

It can be difficult for markets to assess the impact of tariffs because they can be added or removed quickly, and there isn’t always insight into what’s coming...

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Financial Fitness Friday!! Today’s tip: Cash is King! Use cash as often as you can! Many establishments give discounts for using cash, including doctor’s offices, restaurants, nail/hair salons and more! Be mindful of the extra fees that are sometimes tacked on to bills for using a credit card. Little changes can make a big difference in your budget, plus you’re less likely to overspend! See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s tip: Cash is King! Use cash as often as you can! Many establishments give discounts for using cash, including doctor’s offices, restaurants, nail/hair salons and more! Be mindful of the extra fees that are sometimes tacked on to bills for using a credit card. Little changes can make a big difference in your budget, plus you’re less likely to overspend! See Thrivent.com/social for important disclosures

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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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Financial Fitness Friday!! Today’s Tip: Don’t Let Your Emotions Control Your Decisions!! With the market experiencing some volatility lately, I wanted to drive this home to whoever might listen and take heed. Do NOT make emotional decisions with your money!! Stay focused on your goals and your overall financial plan. Do not try to time the market! Investing success is built on discipline, patience, and a well-defined plan. By focusing on what you CAN control and ignoring emotional impulses, you’re more likely to achieve your long-term goals. Be sure to connect with your advisor or trusted mentor for extra support. See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s Tip: Don’t Let Your Emotions Control Your Decisions!! With the market experiencing some volatility lately, I wanted to drive this home to whoever might listen and take heed. Do NOT make emotional decisions with your money!! Stay focused on your goals and your overall financial plan. Do not try to time the market! Investing success is built on discipline, patience, and a well-defined plan. By focusing on what you CAN control and ignoring emotional impulses, you’re more likely to achieve your long-term goals. Be sure to connect with your advisor or trusted mentor for extra support. See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s Tip: Plan ahead for Taxes Don’t let next year’s (or this year, if you haven’t filed yet!) taxes be a surprise! Plan ahead by using tax-advantaged accounts and deductions to reduce what you owe. Consider maximizing tax advantaged accounts such as Traditional/Roth IRAs and 401Ks, use an HSA (if you qualify) for triple tax benefits, and take advantage of tax credits and deductions such as mortgage loan interest, Child Tax Credit or small business credits. Work with a tax professional if needed. See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s Tip: Plan ahead for Taxes Don’t let next year’s (or this year, if you haven’t filed yet!) taxes be a surprise! Plan ahead by using tax-advantaged accounts and deductions to reduce what you owe. Consider maximizing tax advantaged accounts such as Traditional/Roth IRAs and 401Ks, use an HSA (if you qualify) for triple tax benefits, and take advantage of tax credits and deductions such as mortgage loan interest, Child Tax Credit or small business credits. Work with a tax professional if needed. See Thrivent.com/social for important disclosures

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Are your retirement savings on track?

Whether retirement is far off or fast approaching, there are steps you can take to accelerate your savings. One option is to fully fund an IRA by April 15. Here are more ways you can boost your savings.

Discover important savings milestones and how you can help boost your savings.

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Financial Fitness Friday!! Today’s Tip: Keep an Eye on Your Credit Score Although some may debate this, a good credit score is becoming more and more important. For one, it helps you qualify for better loan rates, which can add up to significant savings in today’s economy. Pay bills on time (35% of a credit score is this one thing!!) and keep debt low, optimally paying off any cards each month, to maintain a strong score. See Thrivent.com/social for important disclosures

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Financial Fitness Friday!! Today’s Tip: Keep an Eye on Your Credit Score Although some may debate this, a good credit score is becoming more and more important. For one, it helps you qualify for better loan rates, which can add up to significant savings in today’s economy. Pay bills on time (35% of a credit score is this one thing!!) and keep debt low, optimally paying off any cards each month, to maintain a strong score. See Thrivent.com/social for important disclosures

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As tax season approaches, here’s your reminder to get started ahead of time.​ Here are four reasons to file early:​ ✅ Faster tax refunds​ ✅ Extra time to make a payment if you owe​ ✅ Reduce risk of someone else pocketing your refund​ ✅ Avoid tax deadline stress or having to file an extension​ See thrivent.com/social for important disclosures.​

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As tax season approaches, here’s your reminder to get started ahead of time.​ Here are four reasons to file early:​ ✅ Faster tax refunds​ ✅ Extra time to make a payment if you owe​ ✅ Reduce risk of someone else pocketing your refund​ ✅ Avoid tax deadline stress or having to file an extension​ See thrivent.com/social for important disclosures.​

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Financial Fitness Friday! Today’s Tip: Diversify!! I’m sure you’ve heard the term: “don’t put all your eggs in one basket”. This is especially true with money or your personal wealth! This brings up today’s tip: diversification. Some of you might be saying, what the heck does that mean? Diversification is just a fancy word for: don’t put all your money in one place (hence the eggs in basket quote). A mix of stocks, bonds, mutual funds and fixed-income options can help balance risk and returns and can also be shifted over time. You can also diversify with real estate, commodities (gold, silver, farmland, etc), annuities/insurance products, cash/cash equivalents and 401k/Roth IRA/HSAs! For more information or for an in-depth look at your options, message me or schedule an appointment online! See Thrivent.com/social for important disclosures. 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. INVESTING INVOLVES RISK, INCLUDING THE POSSIBE LOSS OF PRINCIPAL.

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Financial Fitness Friday! Today’s Tip: Diversify!! I’m sure you’ve heard the term: “don’t put all your eggs in one basket”. This is especially true with money or your personal wealth! This brings up today’s tip: diversification. Some of you might be saying, what the heck does that mean? Diversification is just a fancy word for: don’t put all your money in one place (hence the eggs in basket quote). A mix of stocks, bonds, mutual funds and fixed-income options can help balance risk and returns and can also be shifted over time. You can also diversify with real estate, commodities (gold, silver, farmland, etc), annuities/insurance products, cash/cash equivalents and 401k/Roth IRA/HSAs! For more information or for an in-depth look at your options, message me or schedule an appointment online! See Thrivent.com/social for important disclosures. 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. INVESTING INVOLVES RISK, INCLUDING THE POSSIBE LOSS OF PRINCIPAL.

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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