Financial News and Articles with Vanessa Ann Perez in Kennewick WA | Thrivent

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Year-end giving through your IRA is more than a financial decision, it’s a chance to create lasting impact. By making a qualified charitable distribution (QCD) before December 31, you can reduce taxes, meet required minimum distributions, and strengthen the organizations that matter most to you. It’s a smart way to align your financial goals with your values. Let’s connect today to ensure your gift makes a difference this year. ------- Hi! I'm Vanessa. I'm a Marine Veteran and a Financial Advisor. I help individuals define and attain their financial goals throughout every season of life. The more we understand about our goals and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. Follow for everyday financial tips and ideas about giving back, building community, and living with purpose. Disclosures: Thrivent .com/social

November 2025 Market Update: Less data, lower rates, strong stocks

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.

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Happy Veterans Day! Today, we honor every man and woman who has worn the uniform and answered the call to serve. Thank you for your courage, dedication, and unwavering commitment to protecting our freedoms. I’m truly honored to have stood among this group of people who gave their all for our country. Take a moment today to thank a veteran, you never know how much it means.

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Happy 250th Birthday to the United States Marine Corps! Today we celebrate every Marine, past and present, who has worn the uniform with pride. Semper Fidelis!

Sequence of returns risk: What it means for your retirement

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.👇

🎃👻 Happy Halloween! 👻🎃 Wishing everyone a night full of fun, costumes, and just the right amount of sugar! 🍬 But while you're out there haunting the candy aisles, remember to not let your budget get spooked. 🧛‍♂️💸 It’s easy to go overboard on treats (especially when the kids have strong opinions), but a little planning goes a long way. Your wallet will thank you tomorrow! Stay safe, stay smart, and have a fang-tastic night! 🕸️🧡 ------- Hi! I'm Vanessa. I'm a Marine Veteran and a Financial Advisor. I help individuals define and attain their financial goals throughout every season of life. The more we understand about our goals and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. Follow for everyday financial tips and ideas about giving back, building community, and living with purpose. Disclosures: Thrivent .com/social

Estate planning guide: Essential documents & checklist

Estate planning guide: Essential documents & checklistAs you plan for the future, consider how you want to leave a legacy for the ones you love. This guide provides a checklist of things you’ll want to include in your estate plan, a list of important documents to consider and frequently asked questions. ⬇️

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I’m officially at the age where my kids speak fluent Gen Z and I need subtitles. With all the “Six Seven” being thrown around, I started to realize just how old I feel and how much slang my kids use that flies right over my head. One minute they’re saying something “hits different,” and the next I’m Googling like it’s a full-time job. Instead of staying confused, I thought I’d turn these moments into something meaningful, not just to teach myself their lingo, but to also sneak in some good life advice while I’m at it. Like the other day, I had a talk with my kiddos about their piggy banks and saving for a rainy day (or building an emergency fund for us adults). I said, "You know what hits different? Knowing you’re financially prepared for the unexpected! You don't have to spend all your pennies on the next Nintendo Switch 2 Game." I got a few eyerolls and someone called me sus (I'll have to look that one up too), but I think I got the point across. Parenting in the digital age is wild, but if I can turn their slang into teachable moments, I’ll call that a win. ------- Hi! I'm Vanessa. I'm a Marine Veteran and a Financial Advisor. I help individuals define and attain their financial goals throughout every season of life. The more we understand about our goals and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. Follow for everyday financial tips and ideas about giving back, building community, and living with purpose. Disclosures: Thrivent .com/social

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My family and I just wrapped up our second Thrivent Cause Kit with the Wine To Water project and we had a blast! We got to spend quality family time together assembling water filters and added some heart by writing encouraging notes to the future recipients. It’s amazing knowing these small acts will help make a big difference in someone’s life! Wine To Water is a global nonprofit bringing clean water to communities in need through sustainable solutions like filters, wells, and hygiene education. Every kit we build helps transform lives by unlocking new opportunities through access to clean water. As they say, "Water is just the beginning." It’s amazing what a few hands and generous hearts can do. 💙 Let’s keep the ripple effect going!

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Estate planning isn’t just for the wealthy—it’s for everyone. If you own a home, car, savings, investments or heirlooms, you have an estate. A plan ensures those assets will be protected and passed on according to your wishes. Learn more about the basics and benefits of estate planning: https://bit.ly/434iF42 👉 Have questions or want to explore your options? Don’t hesitate to get in touch.

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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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👉 “My kids will figure it out after I’m gone.” This is a common sentiment—and one of the most avoidable estate planning mistakes. A thoughtful estate plan goes beyond distributing your assets. It allows you to clearly communicate your wishes, name trusted decision-makers and ease the emotional and financial burden on the people you love. If you have questions or need help getting started, please get in touch. See thrivent.com/social for important disclosures.

Help your money last in retirement

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.

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🎉 SIX-SEVEN! 🌵 Full retirement age at 67 isn’t just cool, it’s groovy, rad, the bee’s knees, bussin, and even solid gold (depending on what decade you're from). But beyond the slang, here’s why it’s a big deal: Reaching full retirement age means you’re eligible for your full Social Security retirement benefits, no early reductions, no penalties. It’s a key milestone in your financial journey and a moment worth celebrating. Whether you’re decades away or just around the corner, planning ahead makes all the difference. Retirement isn’t the end of your journey. It’s the start of a whole new vibe when you've done great planning! ------- Hi! I'm Vanessa. I'm a Marine Veteran and a Financial Advisor. I help individuals define and attain their financial goals throughout every season of life. The more we understand about our goals and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. Follow for everyday financial tips and ideas about giving back, building community, and living with purpose. Disclosures: Thrivent .com/social

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You can keep giving long after you’re gone. Learn more about how you can leave a legacy by gifting life insurance ➡️ https://bit.ly/3Yl1I3o

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Hockey season is officially here! There’s just something about walking into the arena, the smell of popcorn, the buzz of the crowd, and of course, spotting Winger right as you walk into the door. My son never misses a chance for a fist bump or high-five from his favorite mascot. It’s part of what makes every game night so special! As we kick off the season, it's a great reminder that showing up, cheering loud, and supporting local teams builds the same kind of spirit we strive for in our workplaces. Engagement, Encouragement, and Shared Wins. Let’s go, Ams! 💪

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Taxes can quietly shrink your retirement savings. Even small changes in what you pay can make a big difference. Reach out to discuss ways to keep more of what you’ve earned. See thrivent.com/social for important disclosures.

How to offset inflation's impact on your retirement savings

How to offset inflation's impact on your retirement savingsInflation can sneak up fast, affecting how far your money can go each day. Many people are already feeling the impact of higher prices. Learn how to prepare and take steps to help your money stretch further in retirement. 👇

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My kids had a blast exploring different career paths and learning how our rivers support everything from farming to energy in our region. It was so much fun and a great reminder of how important it is to plan ahead for their futures. If you're thinking about how to support your kids' dreams, whether it's saving for college or building a strong financial foundation, I'd love to help! ------- Hi! I'm Vanessa. I'm a Marine Veteran and a Financial Advisor. I help individuals define and attain their financial goals throughout every season of life. The more we understand about our goals and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. Follow for everyday financial tips and ideas about giving back, building community, and living with purpose. Disclosures: Thrivent .com/social

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The choices you make during open enrollment can have a big impact on your financial goals for 2026 and beyond. Discover how to navigate open enrollment with confidence: http://bit.ly/4o0ESIt