Financial News and Articles with Vanessa Ann Perez in Kennewick WA

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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.👇

🎃👻 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

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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. ⬇️

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.

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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.