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  • Bible Presentation to 1st graders

    During all services on Saturday, October 28, and Sunday, October 29.


  • FIRE Retreat


    October 27-29 at Tall Oaks Conference Center


  • Abounding Harvest


    November 4th at 5:30


  • A Reformation 500 Services
  • Kansas District Youth Gathering


    November 17-19


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Thrivent Financials for Lutherans

A “TIP” FROM THRIVENT FINANCIAL

 

Consider this ‘TIP’ to help you save for college

 

If you’re trying to save for your kids’ college education, you’ve probably heard about Coverdell accounts, custodial accounts and 529 plans. But here are some college-funding options you may not be aware of—you can think of them in the acronym they form: TIP.

 

  • Trusts: Trusts can be used for education and other purposes.
    • Contributions to a trust have no minimum or maximum amount, so saving can be done in many ways.
    • Creating and using trusts by a family for any purpose can affect a student’s eligibility for need–based financial aid.
    • Contact an attorney to see if a trust could be right for you.

 

  • IRAs: While primarily used for retirement savings, traditional and Roth IRAs allow you to withdraw funds penalty-free if used for qualified education expenses.
    • Your contributions may be tax-deductible and grow tax-deferred until withdrawal.
    • Using IRAs for college funding can affect your retirement strategy and need–based financial aid eligibility, so be sure to contact a financial representative about this option.

 

  • Permanent life insurance:
    • If something should happen to you, a permanent life insurance contract can help ensure that goals like education can still be met.
    • Permanent life insurance contracts also accumulate cash value that can be used during your lifetime and also provide additional flexibility for other funding avenues as well.

 

Free college funding calculator

Thrivent Financial offers a free education funding calculator to help families estimate how much they need to save. Visit Thrivent.com and click on Tools and Planning > Financial Strategies >Funding Education.

 

Make wise decisions about your money

The TIPs here may or may not apply to you, so if you want help figuring out what you should do, contact your Thrivent Financial representative who can help you make smart college-funding choices.  Your Thrivent Financial Representative can also team up with other financial representatives who are Certified College Planning Specialists to help you with your overall college planning challenge. Visit Thrivent.com/uplan for more information.

 

To learn more about saving and paying for college, contact John Martin, Financial Consultant, at (816) 229-6475, John.Martin@thrivent.com,  or Carol Guier, Financial Associate, at (913) 940-4252, Carol.Guier@thrivent.com  today.

 

Offered through a brokerage arrangement with Thrivent Investment Management Inc. Funds invested in 529 college savings plans have no bank guarantee, are not FDIC insured and may lose value.

 

You are advised to consider the investment objectives, risks, and charges and expenses associated with
529 college savings plans before investing. More information on 529 college savings plans is available in
the issuer’s official statement. Read the official statement carefully before investing. You should investigate whether your state or your beneficiary’s state offers a qualified tuition plan for its residents and consider what, if any, potential state income tax advantages or other benefits it offers. Please consult with a tax professional to receive tax analysis of the investments. Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent.

Thrivent Financial and its representatives and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative and, as appropriate, your attorney and tax professional for additional information. For additional important information, visit Thrivent.com/disclosures.


A WORD FROM THRIVENT FINANCIAL

Talk to your aging parents before it’s too late.

Are you feeling the squeeze between managing your career, helping your children get started in life—and trying to assist your aging parents?

Adding another “to do” to your list may not be easy, but making time to have a heart-to-heart talk with your parents can be well worth the effort. Talking about your parents’ future now, including the care they may need and end-of-life decisions, can help take some of the stress out of your life—and theirs.

Often, it’s difficult to know how to begin the discussion. Here’s a tip: Start small. For example, rather than discussing the content of legal documents, such as a will, begin by finding out where your parents keep the following documents and items. In other words, take a financial inventory and update it annually.

  • Legal documents: property deeds, wills, trusts, living wills, health care and financial directives, and birth, marriage and military discharge certificates.
  • Contact information: attorneys, accountants, financial planners, physicians and anyone else who provides financial, legal, or medical advice and care.
  • Current account information: type, number and institution for all financial accounts, including checking, savings, retirement, investment, loans and insurance contracts.
  • Valuables and collectibles: location and description of any valuables, such as jewelry, silver or gold, and collectibles, such as stamps and coins.
  • Instructions: funeral, burial and obituary information.

Keep in mind that the process of finding out your parents' future needs and intentions won't happen in a day. By breaking the information-gathering process into small, manageable conversations, you can help ensure your parents’ wishes will be carried out. This way, everyone can feel reassured knowing you’re prepared for the future.

Get financial guidance to help you prepare for the future. Contact Carol Guier, Financial Associate, FIC at 913-940-4252, carol.guier@thrivent.com today, or John Martin, Financial Consultant, CLTC® FIC, at 816-229-6475, john.martin@thrivent.com or visit Thrivent.com. There, you’ll find helpful information and resources, including a checklist to help start “the talk” with your aging parents.

For more than 100 years, Thrivent Financial has been helping members be wise with money and live generously.

Thrivent Financial and its representatives and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative and, as appropriate, your attorney and tax professional for additional information.

Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. For additional important information, visit Thrivent.com/disclosures.


THRIVENT FINANCIAL
Connecting Faith & Finances for Good

Follow your values to financial security.

Make wise decisions about your money by following your values.

When it comes to making financial decisions, we have three choices: 

  1. Share
  2. Save
  3. Spend

Our values serve as an internal compass to help keep us on track with what’s truly important in our lives.

With this in mind, make a list of your values.

Next, determine how much of your income you want to share, save and spend each week or month, based on your values. For example, if financial security and generosity are important, you may want to save X% of your earnings every month to cover essential and planned-for expenses, as well as share a portion of your income with your church or a cause that’s close to your heart.

Keep in mind that in addition to financial resources, you can share your time and talents to help others, too. In doing so, you can help strengthen communities and change lives.

Connect your faith and finances

For more than 100 years, Thrivent Financial has helped our member-owners to be wise with money and live generously. We can do the same for you. 

Your Thrivent Financial representative can help you develop a customized strategy that aligns your financial goals with your values.

Contact John Martin, Financial Consultant, at John.Martin@thrivent.com or 816-229-6475 or Carol Guier, Financial Associate, at Carol.Guier@thrivent.com or 913-940-4252.

Thrivent Financial representatives are licensed insurance agents/producers of Thrivent Financial, the marketing name
for Thrivent Financial for Lutherans, Appleton, WI. They are also registered representatives of Thrivent Investment Management Inc., 625 Fourth Ave S., Minneapolis, MN 55415. For additional important information, visit Thrivent.com/disclosures.


CONSIDER THIS “TIP” TO HELP YOU
SAVE FOR COLLEGE

If you’re trying to save for your kids’ college education, you’ve probably heard about Coverdell accounts, custodial accounts and 529 plans.  But here are some college funding options you may not be aware of—you can think of them in the acronym they form:  TIP.

Trusts:  Trusts can be used for education and other purposes.

  • Contributions to a trust have no minimum or maximum amount, so saving can be done in many ways.
  • Creating and using trusts by a family for any purpose can affect a student’s eligibility for need-based financial aid.
  • Contact an attorney to see if a trust could be right for you.

IRAs:  While primarily used for retirement savings, traditional and Roth IRA’s allow you to withdraw funds penalty-free if used for qualified education expenses.

  • Your contributions may be tax deductible and grow tax-deferred until withdrawal.
  • Using IRAs for college funding can affect your retirement strategy and need-based financial aid eligibility, so be sure to contact a financial representative about this option.

Permanent life insurance: 

  • If something should happen to you, a permanent life insurance contract can help ensure that goals like education can still be met.
  • Permanent life insurance contracts also accumulate cash value that can be used during your lifetime and also provide additional flexibility for other funding avenues as well.

Free college funding calculator

Thrivent Financial offers a free education funding calculator to help families estimate how much they need to save.  Visit Thrivent.com and click on Tools and Planning > Financial Strategies > Funding Education.

Make wise decisions about your money

The TIPs here may or may not apply to you, so if you want help figuring out what you should do, contact your Thrivent Financial representative, who can help you make smart college-funding choices.  Your Thrivent Financial representative can also team up with other financial representatives who are Certified College Planning Specialists to help you with your overall college planning challenge.  Visit Thrivent.com/uplan for more information.

To learn more about saving and paying for college, contact John Martin, Financial Consultant, at (816) 229-6475, John.Martin@thrivent.com, or Carol Guier, Financial Associate, at (913) 940-4252, Carol.Guier@thrivent.com today.

Offered through a brokerage arrangement with Thrivent Investment Management Inc. Funds invested in 529 college savings plans have no bank guarantee, are not FDIC insured and may lose value.

You are advised to consider the investment objectives, risks, and charges and expenses associated with
529 college savings plans before investing. More information on 529 college savings plans is available in
the issuer’s official statement. Read the official statement carefully before investing.

You should investigate whether your state or your beneficiary’s state offers a qualified tuition plan for its residents and consider what, if any, potential state income tax advantages or other benefits it offers. Please consult with a tax professional to receive tax analysis of the investments.

Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. 

Thrivent Financial and its representatives and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative and, as appropriate, your attorney and tax professional for additional information.

For additional important information, visit Thrivent.com/disclosures.