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While spontaneous giving can be meaningful, a strategic approach can help you amplify your generosity, minimize your tax burden and give with greater purpose. Consider these charitable giving strategies: https://bit.ly/3IZ1x9f

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While spontaneous giving can be meaningful, a strategic approach can help you amplify your generosity, minimize your tax burden and give with greater purpose. Consider these charitable giving strategies: https://bit.ly/3IZ1x9f

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We believe that being a financial advisor isn’t just about growing wealth. It’s about helping others create lives filled with purpose and generosity—and creating that life for yourself, too. As a Thrivent financial advisor, you’ll benefit from: 🌟 A supportive, values-driven culture 🌟 Attractive pay and benefits 🌟 Opportunities to advance your career Whether you’re an experienced financial advisor or transitioning into the field, you’ll have the tools, independence and support you need to succeed. Learn more: thriventcareers.com/4qAM53Y

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We believe that being a financial advisor isn’t just about growing wealth. It’s about helping others create lives filled with purpose and generosity—and creating that life for yourself, too. As a Thrivent financial advisor, you’ll benefit from: 🌟 A supportive, values-driven culture 🌟 Attractive pay and benefits 🌟 Opportunities to advance your career Whether you’re an experienced financial advisor or transitioning into the field, you’ll have the tools, independence and support you need to succeed. Learn more: thriventcareers.com/4qAM53Y

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A few other truths about life insurance: - It can be more affordable than a lot of people think. - Your work policy probably isn’t enough on its own. - Some types offer other benefits and tax advantages. See thrivent.com/social for important disclosures.

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A few other truths about life insurance: - It can be more affordable than a lot of people think. - Your work policy probably isn’t enough on its own. - Some types offer other benefits and tax advantages. See thrivent.com/social for important disclosures.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://bit.ly/3LpCmO1 http://bit.ly/3XltM5j https://bit.ly/3JpErc8 If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://bit.ly/3LpCmO1 http://bit.ly/3XltM5j https://bit.ly/3JpErc8 If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://email.collegeaidpro.com/e3t/Ctc/V+113/d14tnD04/VVrjtX7RsgysW48mKLz9lTMrXVDyhz95FDMNHN61zzTl5nR3bW5BWr2F6lZ3lTW5dBGs34wyVR4W2MFWcb70MdkLN7_sW6GX5K1FW8tGLH173VfJHN68Bzj6kXfs1W168xLN6-BCVZW6G2q4Y7Rlnp1N2BPV3dSX0hCW6xgG3_4kS9f3W4NrqJz5V579kF84yG2QB2TJW3pDQ-Y7JcWJmW4mzFwz6FrcgLW8RSyVs8hzGPKW7mrwY-2R7lLQW7qM6-k7WnWL8W8vqRQC6jtxh6W2-Nyl45QWmC8W1ZbTlh4zxYqRN3RTlW7jXYNJN2_CtZlxY_j-W9231Qv3yN0s6W7Gn0fV8S6nnVVCTB3B6PYK0YW7dR33D5kHtNzW4CTrb06Mp7lTW7m-Dnq4WVs7JW52pCyb7CzTTpW8cz8Z95ThzdqW3x6v7c5XChPKW8D1DZQ67d3TSW2QHns76JGFQbW7-CzcG3Rgmp9W3W95_94sRm5Ndf4ppT04 http://bit.ly/3XltM5j https://bit.ly/3JpErc8 If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://email.collegeaidpro.com/e3t/Ctc/V+113/d14tnD04/VVrjtX7RsgysW48mKLz9lTMrXVDyhz95FDMNHN61zzTl5nR3bW5BWr2F6lZ3lTW5dBGs34wyVR4W2MFWcb70MdkLN7_sW6GX5K1FW8tGLH173VfJHN68Bzj6kXfs1W168xLN6-BCVZW6G2q4Y7Rlnp1N2BPV3dSX0hCW6xgG3_4kS9f3W4NrqJz5V579kF84yG2QB2TJW3pDQ-Y7JcWJmW4mzFwz6FrcgLW8RSyVs8hzGPKW7mrwY-2R7lLQW7qM6-k7WnWL8W8vqRQC6jtxh6W2-Nyl45QWmC8W1ZbTlh4zxYqRN3RTlW7jXYNJN2_CtZlxY_j-W9231Qv3yN0s6W7Gn0fV8S6nnVVCTB3B6PYK0YW7dR33D5kHtNzW4CTrb06Mp7lTW7m-Dnq4WVs7JW52pCyb7CzTTpW8cz8Z95ThzdqW3x6v7c5XChPKW8D1DZQ67d3TSW2QHns76JGFQbW7-CzcG3Rgmp9W3W95_94sRm5Ndf4ppT04 http://bit.ly/3XltM5j https://bit.ly/3JpErc8 If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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Life insurance could be more affordable than you think. Get an estimate for what life insurance protection might cost you here: https://bit.ly/4odOj7f

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Life insurance could be more affordable than you think. Get an estimate for what life insurance protection might cost you here: https://bit.ly/4odOj7f

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://email.collegeaidpro.com/e3t/Ctc/V+113/d14tnD04/VVrjtX7RsgysW48mKLz9lTMrXVDyhz95FDMNHN61zzTl5nR3bW5BWr2F6lZ3lTW5dBGs34wyVR4W2MFWcb70MdkLN7_sW6GX5K1FW8tGLH173VfJHN68Bzj6kXfs1W168xLN6-BCVZW6G2q4Y7Rlnp1N2BPV3dSX0hCW6xgG3_4kS9f3W4NrqJz5V579kF84yG2QB2TJW3pDQ-Y7JcWJmW4mzFwz6FrcgLW8RSyVs8hzGPKW7mrwY-2R7lLQW7qM6-k7WnWL8W8vqRQC6jtxh6W2-Nyl45QWmC8W1ZbTlh4zxYqRN3RTlW7jXYNJN2_CtZlxY_j-W9231Qv3yN0s6W7Gn0fV8S6nnVVCTB3B6PYK0YW7dR33D5kHtNzW4CTrb06Mp7lTW7m-Dnq4WVs7JW52pCyb7CzTTpW8cz8Z95ThzdqW3x6v7c5XChPKW8D1DZQ67d3TSW2QHns76JGFQbW7-CzcG3Rgmp9W3W95_94sRm5Ndf4ppT04 Reviewing the Top Colleges for Financial Aid with The Princeton Review’s Rob Franek - College Aid Pro CSS Profile Made Easy: Dos, Don’ts, and Updates If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://email.collegeaidpro.com/e3t/Ctc/V+113/d14tnD04/VVrjtX7RsgysW48mKLz9lTMrXVDyhz95FDMNHN61zzTl5nR3bW5BWr2F6lZ3lTW5dBGs34wyVR4W2MFWcb70MdkLN7_sW6GX5K1FW8tGLH173VfJHN68Bzj6kXfs1W168xLN6-BCVZW6G2q4Y7Rlnp1N2BPV3dSX0hCW6xgG3_4kS9f3W4NrqJz5V579kF84yG2QB2TJW3pDQ-Y7JcWJmW4mzFwz6FrcgLW8RSyVs8hzGPKW7mrwY-2R7lLQW7qM6-k7WnWL8W8vqRQC6jtxh6W2-Nyl45QWmC8W1ZbTlh4zxYqRN3RTlW7jXYNJN2_CtZlxY_j-W9231Qv3yN0s6W7Gn0fV8S6nnVVCTB3B6PYK0YW7dR33D5kHtNzW4CTrb06Mp7lTW7m-Dnq4WVs7JW52pCyb7CzTTpW8cz8Z95ThzdqW3x6v7c5XChPKW8D1DZQ67d3TSW2QHns76JGFQbW7-CzcG3Rgmp9W3W95_94sRm5Ndf4ppT04 Reviewing the Top Colleges for Financial Aid with The Princeton Review’s Rob Franek - College Aid Pro CSS Profile Made Easy: Dos, Don’ts, and Updates If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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Wealth transfer strategies: How to leave assets to your loved ones

Passing on assets is more than drafting a will—it’s an opportunity to share the beliefs and goals that shape your legacy. By planning now, your legacy is shaped by intention, not left to chance. Let’s schedule time to connect and help ensure your values carry forward in a lasting way.

Transferring wealth isn’t just about passing on assets—it’s about creating a lasting legacy. A thoughtful approach pairs expert financial planning with...

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://collegeaidpro.com/top-20-private-scholarship-opportunities-for-november-3rd-18th-2025/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz--YrN3m6yatoLMwHHTvE7pL-5ZmbEKMEOHlE0TggJY3UgfSf7BuIFTgbjYbexnDo935QoiCAj8OvbcVPGdoG5LeUTzvJoF6qcSFW7tSOfjBhz722Ks&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/financial-aid-for-high-income-families/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9hYA0aBYq5J8gh1RqSFsXdByPsozMy6n4H9dQcvQxD_XXQ8J98ZW9VW6mVCFLyfY0030V2jfEJd-NxcdA0cL1GHpa2_0355T1D2S2MJCHwzNWd_go&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/fafsa-for-divorced-and-separated-parents/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9H1COjV6IIzC-HetM4iDbnaJ_9qkLJTdB3-4ehe91o6eohb9gbDEES8HcnGAGcFA2XgGcMLlWe4fU0bdD8e4LPWi3yeVoLqXC6gZQvhpJiDcl7-_Y&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/grad-plus-phase-out/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9ALbSAlRCcN2RukegyAocaoTvbQNFY0bs1MkBx92_c8qFPq4lGjGq9FsWrPfWyAuxXT3MAnKR_LCgjGR46z3Igf72zsvcp9W-OUL44NLmYlzRoTqA&_hsmi=387909499&utm_content=387909499&utm_source=hs_email If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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The links below list the latest available college scholarship opportunities that may help you reduce the cost of your college education. The scholarships are only applicable to high school students. https://collegeaidpro.com/top-20-private-scholarship-opportunities-for-november-3rd-18th-2025/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz--YrN3m6yatoLMwHHTvE7pL-5ZmbEKMEOHlE0TggJY3UgfSf7BuIFTgbjYbexnDo935QoiCAj8OvbcVPGdoG5LeUTzvJoF6qcSFW7tSOfjBhz722Ks&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/financial-aid-for-high-income-families/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9hYA0aBYq5J8gh1RqSFsXdByPsozMy6n4H9dQcvQxD_XXQ8J98ZW9VW6mVCFLyfY0030V2jfEJd-NxcdA0cL1GHpa2_0355T1D2S2MJCHwzNWd_go&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/fafsa-for-divorced-and-separated-parents/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9H1COjV6IIzC-HetM4iDbnaJ_9qkLJTdB3-4ehe91o6eohb9gbDEES8HcnGAGcFA2XgGcMLlWe4fU0bdD8e4LPWi3yeVoLqXC6gZQvhpJiDcl7-_Y&_hsmi=387909499&utm_content=387909499&utm_source=hs_email https://collegeaidpro.com/grad-plus-phase-out/?utm_campaign=10663218-Advisors%20Weekly%20Re-CAP&utm_medium=email&_hsenc=p2ANqtz-9ALbSAlRCcN2RukegyAocaoTvbQNFY0bs1MkBx92_c8qFPq4lGjGq9FsWrPfWyAuxXT3MAnKR_LCgjGR46z3Igf72zsvcp9W-OUL44NLmYlzRoTqA&_hsmi=387909499&utm_content=387909499&utm_source=hs_email If you wish to schedule an appointment with Bill Leach, please call 908-840-4527.

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When was the last time you updated your estate plan? Even if your circumstances haven’t changed, it’s a good idea to review your plan every 3–5 years. But certain life events call for more immediate updates. If it’s been a while—or you’ve experienced a major change—get in touch so we can talk through your options. See thrivent.com/social for important disclosures.

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When was the last time you updated your estate plan? Even if your circumstances haven’t changed, it’s a good idea to review your plan every 3–5 years. But certain life events call for more immediate updates. If it’s been a while—or you’ve experienced a major change—get in touch so we can talk through your options. See thrivent.com/social for important disclosures.

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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