Brian Macho - Thrivent Financial

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.

Wealth transfer strategies: How to leave assets to your loved ones Transferring wealth isn’t just about passing on assets—it’s about creating a lasting legacy. A thoughtful approach pairs expert financial planning with meaningful conversations with your beneficiaries, ensuring your intentions are understood and your values live on.

Life transitions come with new responsibilities, and taxes are often one of them. Marriage, welcoming a new baby or going through a divorce can all affect your filing status, tax deductions and overall tax picture.

The IRS has a helpful resource that breaks down what to expect: https://bit.ly/48UOMp0

If you’ve recently experienced a major life change and have questions, feel free to reach out for guidance.

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.

Any time your life changes, your financial plan deserves a fresh look. Here are different life events that may trigger a need to update your life insurance coverage: https://bit.ly/47koSvA

The transition from being your parents’ child to being their protector isn’t easy—but having open conversations is essential. Understanding their wishes and knowing where key estate planning documents are kept can make all the difference when it matters most.

Here’s how to approach these conversations with empathy and clarity. ⬇️

see thrivent.com/social for important disclosures.

Even modest contributions for college funding can add up over time. Automate what you can and review annually as your goals evolve. To get started, estimate how much you’ll need, then use Thrivent’s college savings calculator to map out your larger journey (see resources below).

➡️ How to estimate college costs: https://bit.ly/4aSQvwf

➡️ College savings calculator: https://bit.ly/3OgMYA3

Is now the time to rebalance your portfolio? Over time, market shifts can expose you to more risk than you intended. Rebalancing is usually necessary on a periodic basis to help restore your portfolio to your target allocations. Here are 3 reasons why it may be time to rebalance. 👇

What is portfolio rebalancing? Tips to maintain your target investment mix Keeping your investments on track isn’t a set-it-and-forget-it process. Over time, market shifts can throw off your portfolio’s balance, exposing you to more risk than you intended. Learn how portfolio rebalancing helps realign your investments with your goals and may keep your strategy on cours...

👉 “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.

Resist relying on guesswork when understanding a school’s price. Instead, consider the full scope of a selection’s cost, including tuition, housing, meals, books, transportation and personal expenses. Then compare this number against your projected aid and savings to see the real gaps. If the process feels daunting, remember we are here to help. Together, we can review your options and identify the schools that fit best with your unique situation.

See thrivent.com/social for important disclosures.

Including a donation in your will or estate plan can help you make a lasting difference for the causes you care about. From designating a nonprofit as a beneficiary to making a bequest or establishing a trust, there are a variety of flexible ways to give—and potential tax benefits too.

Explore your options for donating through your will: https://bit.ly/4nkZ47d

Your business might be your biggest asset-but it shouldn't be your only one.

Personal and business finances often overlap, but relying solely on the sale of your business to fund your future can be risky.

As a business owner, you should consider:
✅ Contributing to a tax-advantaged retirement account
✅ Diversifying your investments beyond the business
✅ Aligning your personal and business financial goals
✅ Working with a financial advisor to address liquidity and liability

Ready to get started? Let's create your retirement strategy together.

See thrivent.com/social for important disclosures.