Financial News and Articles with Vanessa Ann Perez in Kennewick WA

Insights

How to handle market volatilityWhatever happens with the market, there are steps you can take that may help to mitigate the effects of volatility.

Week 4 - January Rest & Reflect - Start Simple I hate coming up with a budget as much as the next person does. However, this is a super important task to keep your finances on track. Not only do you become aware of your spending habits, but you also learn how much you can invest in your future self. It's definitely worth the heart ache to get it done right. Start simple and build from there. Make sure you still give yourself permission to enjoy the things you love. If you don't LOVE El Toro loco then you are not a true monster truck fan! ⬇️ Hi, I'm Vanessa. I'm a Marine Veteran and a Thrivent Advisor. I help individuals at every stage of life define and achieve their goals, whether they're just starting their financial journey or preparing for retirement. The more we understand our objectives and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. See thrivent.com/social for important disclosure information.

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Finances + Generosity | ThriventEven though your personal finances likely start with your personal goals, they can also be a way to support the people, causes and community you love. Who are you building your legacy for?

Exciting news! Thrivent has been named to Fortune’s World’s Most Admired Companies list for the first time. Honored to be part of an organization recognized for its innovation, quality of management, financial soundness and commitment to long-term value. Learn more about this recognition here: https://bit.ly/466lt23

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There are very few things in my life that I have carried through to adulthood from my younger days. Skiing happens to be one of them. As my kids get older, taking them to the mountains with my husband has become the biggest thing I look forward to every year. It's such a joy to see how much they improve, and I love every opportunity I get for small talk while on the lift. I hope you all have a great ski season (or whatever season you're into) this year! Keep passing those important traditions on!

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Week 3 - January Rest & Reflect - Subscription Creep The one task that I love to do this time of year is take stock of all the subscriptions I pay for. It's so easy to lose track over the course of the year because everything has a subscription option these days. Whether it's game apps on your phone or 7-day free trials you forgot to cancel, it's easy for the number of subscriptions to creep up over the year. January is a good time to review all of them and cancel the ones you don't want (or forgot about). This week whittle them down! Take note of how many you had in the beginning and how many you had at the end. Congratulate yourself and set a time to do it again next year! ⬇️ Hi, I'm Vanessa. I'm a Marine Veteran and a Thrivent Advisor. I help individuals at every stage of life define and achieve their goals, whether they're just starting their financial journey or preparing for retirement. The more we understand our objectives and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors. See thrivent.com/social for important disclosure information.

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Week 2 - January Rest & Reflect As we work through our financial new year's goals, think about how week 1 went. Were you able to come up with three goals that could be easily achieved? Did you tell someone? If you don't have an accountability buddy, I can be that person for you! For this week, the task is to track every dollar you spend. Decide on something that you purchased or spent money on that you could give up in the weeks to come. What was that item? For me, though I don't want to buy a real Tesla, I thought this one would be fun to have. However, I couldn't paint it any cool colors, so I decided to pass. __________________________________________________________________________________ Hi, I'm Vanessa. I'm a Marine Veteran and a Thrivent Financial Advisor. I help individuals at every stage of life define and achieve their goals, whether they're just starting their financial journey or preparing for retirement. The more we understand our objectives and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors.

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If you’re looking for simple ways to help reduce your taxable income, you may have more options than you realize. These 7 strategies can help you become more tax efficient over time. ➡️ https://bit.ly/3KB47mJ

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Did you know that only 9% of New Year's Resolutions are kept with in the first month, with most being left behind within the first week? Did you also know that building better financial habits is one of the top resolutions that people make each year? What keeps people from keepings these resolutions usually amount to goal clarity and trying to accomplish something too big too quick. What if we could break down our financial resolutions and habits into weekly tasks that are easily digestible? I'd like to go through a journey with you all this year to accomplish financial clarity and good habits. Let's call it the Money Minute Challenge, breaking down the year into 52 easily tasks that will build into a year of confidence. Week 1 - Take 5 minutes and write down your top 3 money goals for the year. Share them with someone who can hold you accountable in this journey! ____________________ Hi, I'm Vanessa. I'm a Marine Veteran and a Thrivent Financial Advisor. I help individuals at every stage of life define and achieve your goals, whether you're just starting your financial journey or preparing for retirement. The more we understand our objectives and align them with our values, the stronger we become as partners, parents, business owners, leaders, and neighbors.

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Saving for retirement? Here’s something to consider: different accounts come with different tax implications. By spreading your savings across taxable, tax-deferred and tax-free accounts, you can give yourself more flexibility in retirement. This makes it easier for you to manage withdrawals, avoid tax spikes and lower your Modified Adjusted Gross Income (MAGI). Get in touch to discuss the right approach for your unique situation. See thrivent.com/social for important disclosures. Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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When you’re raising a young family, it can feel like you’re constantly juggling competing priorities: housing costs, daycare, groceries and everything in between. And all too often, future goals get put on the back burner. 🎯 Here’s a helpful tip: A few simple, tax-friendly moves can help your money stretch a little further today and make a meaningful difference tomorrow. Get in touch if you’d like to talk through how to incorporate these into your overall financial plan. See thrivent.com/social for important disclosures. Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

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As we embark on a new year, many people are asking themselves big questions about purpose, fulfillment and what they want next in their career. If you’re feeling that pull, consider exploring a financial advisor career at Thrivent. Whether you want to build your own practice, join a team or grow on our Virtual Advice Team, you’ll find a path that’s both meaningful and rewarding. Explore our career paths: thriventcareers.com/4pP2CA6

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The cost of cash: Where to invest when interest rates dropWhether you’re saving for something big, hoping to generate a steady income or seeking flexible access to your cash, there are smart ways to keep your money productive and aligned with your needs—regardless of shifting interest rates. Explore your options below and let’s connect to keep your goals on track in a changing interest rate environment.

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.

The holiday season is a time to reflect, give back and support the causes that matter most to you. It’s an opportune moment to create a thoughtful giving plan that’s aligned with your values, goals and financial strategy. Let’s connect to explore ways to maximize your year-end giving and make every gift count—today and for years to come. See thrivent.com/social for important disclosures.

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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

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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.

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!

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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.👇