Derek Houska- Thrivent

“Will I outlast my retirement savings?”

It’s a common concern, but planning for retirement shouldn’t be a guessing game.

Check out these four actionable steps to stretch your money further in retirement. 👇

How to avoid running out of money in retirement People preparing for retirement may be wondering if they’ve saved enough. Those nearing or in retirement may be wondering if it will last. Perhaps the question on everyone’s mind, no matter where they are in the journey, is: “Will I outlive my savings?”

Wondering how life insurance can benefit your loved ones when you’re gone? Here's a conversation guide to help you in planning for the unexpected. 👇

Together, we can make sure your family is covered for the future.

Do you need life insurance? Questions to ask yourself & your family From vacations to college dreams, creating life plans with loved ones is one of the many joys in life. But when it comes to more sensitive topics, like unexpected death, it can be tempting to avoid conversations altogether.

Wishing you and yours a happy and relaxing Labor Day weekend!

Join us Sept. 1-30 for a free on-demand webinar with one of America’s best-known and most-loved fitness gurus, Tony Horton.

Tony shares 11 rules that provide a clear path and purpose to achieving life goals and obtaining optimal health.

Register today: https://bit.ly/tonyhortonondemand

No products will be sold at this event. For additional disclosures, see thrivent.com/social.

Wondering what the differences are between the Federal Deposit Insurance Corporation (FDIC) and Securities Investor Protection Corporation (SIPC)? In the event that a financial institution closes, both programs are designed to protect consumers from financial losses, but apply to different types of accounts. Check out this resource to learn more: bit.ly/3ZPcVrg

Planning a vacation can be more exciting than budgeting for one. Here are some helpful tips for building a vacation budget to get you started: bit.ly/3Z1LJFi

Have you led a Thrivent Action Team? If not, see how easy it is to get started:

💙 Apply to lead a Thrivent Action Team Project.
💙 Receive your Thrivent Action Kit in the mail, including up to $250 in seed money.
💙 Gather your team and bring your project to life.
💙 Share the results and impact of your project.

Need help getting started or coming up with an idea? Let’s talk! Apply today 👉 bit.ly/430FSS9

I'm proud to be representing Thrivent today at the Global Leadership Summit at Bethel Church in Fargo, ND. Our table will be here the rest of today and tomorrow. If you are attending the event, come over and say hi!

Certificates of deposit and multi-year guarantee annuities can both help offer predictability to your portfolio, particularly in an uncertain market. Here’s how to know which might make sense for you.

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Multi-year guaranteed annuity (MYGA) vs. certificate of deposit (CD) Multi-year guaranteed annuities (MYGAs) and certificates of deposit (CDs) are two solutions that help protect your money while providing the opportunity to build returns at the same time. Neither a MYGA or CD is tied to market performance, but both can offer competitive yields.

Want to give back to the organizations that mean the most to you? Let’s work together to design a financial strategy that honors your desire to live a life full of meaning and gratitude.

Inflation continued to decline in the 2nd quarter even while the economy and the stock market remained solid – including the biggest first half gain for the NASDAQ since 1983. Catch up on all the latest economic and market developments in Thrivent’s 2nd Quarter 2023 Market Review.

2nd Quarter 2023 Market Review: Tech gains lead market, and the Fed pauses The tech-heavy Nasdaq Index had another strong quarter, rising 12.81% and bringing its year-to-date gains to 31.73%. Despite resilient economic growth, and expectations for sustained inflation, the Federal Reserve paused in its path to higher rates.

Happy to share that Thrivent has been named to Fortune magazine’s Fortune 500 List for the 29th consecutive year! Honored to be part of this organization.

Wishing you a safe and happy Fourth of July. How are you celebrating?

I had the opportunity to step out of my comfort zone this weekend to help Abby Swenson move into her new apartment in Green Bay, WI. As a Vikings fan, this was completely unfamiliar territory. Abby is going to be a full-time student at the Medical College of Wisconsin starting in July. This picture will sum up my first experience of Green Bay nicely.

Torn between covering everyday expenses and wanting to save more? Money Canvas, a free Thrivent program, allows you to work one-on-one with a Money Canvas guide who can help you build healthy habits to help get you where you want to go. Visit www.thrivent.com/moneycanvas

As Congress negotiates on the looming debt ceiling, markets are responding with some volatility. Check out Thrivent's most recent article with our take on the current situation and likely outcomes: https://bit.ly/3oBBieQ

What if you could retire 10 to 30 years earlier than planned? With the right financial strategy, it may be possible. Here’s what it would take to retire early.

How to retire early: 4 tips a financial advisor wants you to know It's the great American dream—to say goodbye to the working world before you receive your AARP card. Some people are making it happen, too.

We are having a great time today at the RiverHaven Events Center in Moorhead, MN. All of us are learning how to make our websites more productive. Lunch and business development time to follow. I have some updates for my website being processed for approval, but if you have not seen my website, check it out here: https://bit.ly/3IlkJu0

7 ways for new graduates to start investing now article If you’re a recent graduate, investing might feel like something to think about later. Once you’re making money, it’s tempting to spend it – especially if you’ve been living on a tight budget during your student years.

Stocks held their own the past month, with the tech area leading the way, GDP slipped for the third straight quarter, and Fed rate hikes continued to rattle the banking industry. Get an overview of all key market and economic highlights in this month's Market Update.

May 2023 Market Update: Big tech earnings growth drives market gains Despite ongoing economic headwinds, the stock market remained resilient in April, with a handful of tech giants leading the way. Microsoft, Google, and Meta all reported results above consensus expectations in late April.

May is Disability Insurance Awareness Month. If you were to experience an illness or injury that prevented you from working for an extended amount of time, would you have the coverage to support your family?

Thinking about ways to use your tax refund? From building your emergency savings to paying down your debt, here are some other ideas to consider: bit.ly/3TPvUjh

Looking for ways to cut down costs? Consider exploring a different service provider—you could potentially be paying more for the same offerings that cost less somewhere else. Keep an eye out for cancellation fees, before committing to something new.

Despite nagging inflation and the Fed’s monetary tightening efforts, stocks performed well in the first quarter both in the U.S. and globally – led by a tech rally. Bring yourself up to date on all the key economic and market developments in the 1st Quarter 2023 Market Review.

1st Quarter 2023 Market Review: Tech shines, Financials falter, as Fed hikes rattle banks After a steep 28.19% drop in 2022, the Information Technology sector of the S&P 500 was up 21.82% in the 1st quarter, as investors migrated to stocks they believed could best weather ongoing inflationary pressures. Communication Services, which tumbled 39.89% last year, jumped 20.50% in the 1st quar...

If taxes are a topic you avoid, this event is for you. Join us Tuesday, March 28 or Thursday, March 30 for our free workshop, Increase Your Lifetime Wealth With Tax Planning with Debbie Taylor, Certified Public Accountant (CPA) and attorney, and the founder and lead wealth advisor of Taylor Financial Group, LLC.

For more information and to register today: https://bit.ly/IncreaseYour_LifetimeWealth

No products will be sold at this event. For additional disclosures, see Thrivent.com/social.

If you could make progress on one financial decision that you have been feeling stuck on, what would it be?

Let's connect and work on yours together.

For the 12th year in a row, Thrivent has been named one of the World’s Most Ethical Companies. It’s an honor to work for an organization that’s committed to serving its clients, its workforce and its community with integrity.

Thrivent proudly celebrates another year of ethical recognition Today, Thrivent is celebrating being named as one of the World's Most Ethical Companies for the 12th year in a row—more than a decade of being recognized as a corporate leader that’s doing the right thing and infuses our values into all that we do. This recognition reinforces our position as a.....

Have you ever thought about using life insurance while you’re still alive? See how to access the living benefits of permanent life insurance long before you pass away.

Living benefits of permanent life insurance A solid financial strategy covers many things, not the least of which is planning for retirement and having life insurance to help protect your family’s security. Often those two goals are accomplished separately with retirement savings accounts and term life insurance.

Are you still paying off your student loans? Starting in 2024, your employer may have the option to match student loan payments as if they were payments to a qualified retirement plan. Read on for more information about this SECURE Act 2.0 provision.

How the SECURE Act 2.0 may help employees with student loans Deciding between paying your student loans and saving for retirement is a conundrum for many younger workers. You want to reduce your student loan balance, but know that saving for retirement is also important. Thanks to the SECURE Act 2.0 student loan provisions that take effect in 2024, your…

Is your head spinning thinking about inflation, interest rates and recession possibilities? If so, we can help.

There's still time to register for Thrivent’s Market and Economic Update livestream on March 21. Join us to hear Thrivent’s perspective on what the latest trends may mean for you.

Save your seat 👉 bit.ly/3ZaiIHP

No products will be sold. See thrivent.com/social for additional information.

Whether your retirement savings are on track or behind schedule, these 6 steps can help boost your retirement readiness in 2023 and beyond.

Ready, set, retire: Thrivent looks at retirement readiness Anxious about having enough for retirement? You're not alone. According to Thrivent's 2022 Retirement Readiness Survey*, most Americans have mixed feelings about how ready they are for retirement. In fact, only 40% feel like they've "very much" or “somewhat” been able to achieve the retirement.....

Do you have a shared vision with your partner when it comes to financial priorities?

Only 44% do, according to Thrivent’s 2023 Valentine’s Day Survey, which means many couples may be missing an opportunity to have regular conversations with their partners around financial priorities and key money decisions.

Valentine’s Day is a great reminder to have a heart-to-heart with your partner about personal finances and your unique money goals. These six must-have money talks from Thrivent can help couples get on the same page: bit.ly/3YF4xda

Investing time and energy into financial self-care can help you feel more empowered about your finances, enable you to manage ups and downs better and take control of emotional decision making. Check out these 8 tips for creating a financial self-care routine: bit.ly/3DlzLNS

At the end of 2022, the SECURE Act 2.0 was signed into law and includes improvements to retirement earning and planning for Americans. Read further to see what key provisions are included in the law, like the changes to the required minimum distribution start age.

How does the SECURE Act 2.0 impact me? Signed into law in 2019, the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) increased access to tax-advantaged retirement plans, broadened the number of Americans eligible for these plans and helped older Americans build their assets by:

Last week was an exciting one. I got to go down to Minneapolis for Thrivent's Business Development Conference. This gave me the opportunity to hear from widely recognized individuals in the financial industry and learn how to better develop my business. Also, I passed another financial exam, which is always reason to celebrate.

What happens when you don’t have income protection and a sudden illness or injury prevents you from working? Here are some key facts to know about disability income insurance and how it can benefit you.

Do you need disability insurance? Most of us understand the need for insurance for our health, home and car. But what about insurance if injury or illness would take away your ability to bring home a paycheck?

We will be hosting a Tom Hegna watch party at the Avalon in Fargo, ND on January 19th. The focus is going to be on income in retirement. The information will be beneficial for all age groups, so look forward to seeing you there! The registration information will be on the flyer below.

Thrivent offers four types of : Term, Whole, Universal and Variable. Not sure which one is right for you and your family? I'm here to help you navigate your options and select the best plan.

Learn more: https://bit.ly/3x9ty4L