About Daniel Gehrs

I help individuals and families create confident, purpose‑driven financial strategies. Drawing on my background in finance and my experience as a Thrivent financial professional, I guide clients through key decisions—whether they’re planning for retirement, investing wisely, or supporting the people and causes that matter most.

Your Personal Guide to Financial Clarity

Understanding your finances shouldn’t feel complicated or overwhelming. My role is to bring clarity to every conversation—breaking down complex topics, answering your questions, and helping you move forward with confidence. Whether you're planning for the future, evaluating your options, or navigating uncertainty, I'm here to guide you each step of the way so you can make decisions that truly support your goals.

Retirement Questions:

When can I retire?

Am I on track for retirement?

How do I create a retirement plan?

401(k) Questions:

What can I do with an old 401(k)?

What’s the difference between a 401(k) and an IRA?

How do I choose funds in my 401(k)?

IRA Questions:

Should I have a Roth IRA?

How do withdrawals work for each type of IRA?

Is a Roth IRA better than a Traditional IRA?

Life Insurance Questions:

How much life insurance do I need?

What is the difference between term and permanent life insurance?

Does age affect life insurance rates?

Disability Insurance Questions:

What does disability insurance actually cover?

How much disability coverage should I have?

How long will the benefits last?

Long Term Care Questions:

Does Medicare cover long‑term care?

How much long‑term care coverage should I have?

How much does long‑term care typically cost?

Annuity Questions:

What is an annuity and how does it work?

Is an annuity a good fit for my retirement plan?

When can I start taking income from an annuity?

Social Security Questions:

When should I start taking Social Security benefits?

How does claiming early affect my monthly payment?

How does divorce impact eligibility for benefits?

College Planning Questions:

What’s the difference between a 529 plan and other savings options?

How does financial aid work?

Will my savings affect my child’s financial aid eligibility?

Estate Planning Questions:

Do I need a will, a trust, or both?

How can I minimize taxes for my heirs?

Who should I choose as my executor or trustee?

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.