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I've got valuable information and resources to share. Explore away! And check back often.

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Thinking about the topics that come up from business owners this time of year. 🏢 Spring turns into summer. Clients get busy. Employees rotate vacations. And the business keeps running, so ownership attention quietly shifts to wherever the fire is that week. That’s usually when bigger questions get postponed: • Are cash reserves still where they should be? • What happens to income if the owner can’t work for a stretch? • Are my employees confident in their retirement plans? • Is there a backup plan if a key person is suddenly out? Nothing has to be wrong for those questions to matter. Most of the time, they just get delayed until fall...when they’re harder to deal with. Shoot me a DM or find a time on my website to chat about those things. Disclosures: thrivent.com/social

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Thinking about the topics that come up from business owners this time of year. 🏢 Spring turns into summer. Clients get busy. Employees rotate vacations. And the business keeps running, so ownership attention quietly shifts to wherever the fire is that week. That’s usually when bigger questions get postponed: • Are cash reserves still where they should be? • What happens to income if the owner can’t work for a stretch? • Are my employees confident in their retirement plans? • Is there a backup plan if a key person is suddenly out? Nothing has to be wrong for those questions to matter. Most of the time, they just get delayed until fall...when they’re harder to deal with. Shoot me a DM or find a time on my website to chat about those things. Disclosures: thrivent.com/social

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The past couple of years I've noticed May is when plans usually don’t fall apart but, they fade into the background 📅 Kids finish school. Summer schedules take shape. Vacations, weddings, and weekends fill the calendar faster than expected. One pattern I see every year: people plan to revisit things “after summer”… and then fall shows up quicker than anyone anticipated. What does that usually look like? - Are my retirement contributions on track? - How is my current retirement strategy holding up? - Is my budget up to date? - Have I taken a look at my protection needs (what happens if I can't work)? A brief check‑in now, before schedules completely fill, often prevents rushed decisions later in the year. Disclosures: thrivent.com/social

The past couple of years I've noticed May is when plans usually don’t fall apart but, they fade into the background 📅 Kids finish school. Summer schedules take shape. Vacations, weddings, and weekends fill the calendar faster than expected. One pattern I see every year: people plan to revisit things “after summer”… and then fall shows up quicker than anyone anticipated. What does that usually look like? - Are my retirement contributions on track? - How is my current retirement strategy holding up? - Is my budget up to date? - Have I taken a look at my protection needs (what happens if I can't work)? A brief check‑in now, before schedules completely fill, often prevents rushed decisions later in the year. Disclosures: thrivent.com/social

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Business owners: here’s a quick way to spot blind spots before they get expensive. If the business is “doing fine” but you still feel behind, it’s usually because one of these dials is off: 💵CASH FLOW: If revenue dipped for 60 days, what would you cut first, and what would you protect? 🕰️TIME: What’s the one thing you’re still doing that you should not be doing anymore? 🔥RISK: If you (or a key person) were out unexpectedly, what breaks first? Quick insight: most surprises happen when business decisions and personal goals aren’t coordinated, so you’re winning week‑to‑week but guessing long‑term. This is what I help business owners do: connect the dots between the business and personal goals so decisions get simpler and blind spots get smaller. If you know an owner who’d relate to this, feel free to pass it along. Or if you are a business owner shoot me a DM. Which dial feels most off right now: cash flow, time, or risk? Disclosures: thrivent.com/social

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Business owners: here’s a quick way to spot blind spots before they get expensive. If the business is “doing fine” but you still feel behind, it’s usually because one of these dials is off: 💵CASH FLOW: If revenue dipped for 60 days, what would you cut first, and what would you protect? 🕰️TIME: What’s the one thing you’re still doing that you should not be doing anymore? 🔥RISK: If you (or a key person) were out unexpectedly, what breaks first? Quick insight: most surprises happen when business decisions and personal goals aren’t coordinated, so you’re winning week‑to‑week but guessing long‑term. This is what I help business owners do: connect the dots between the business and personal goals so decisions get simpler and blind spots get smaller. If you know an owner who’d relate to this, feel free to pass it along. Or if you are a business owner shoot me a DM. Which dial feels most off right now: cash flow, time, or risk? Disclosures: thrivent.com/social

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Market volatility is exactly why I’m such a big believer in having a plan. 📌 This year has been a reminder that markets can move around… a lot. But that doesn’t automatically mean your plan needs to. And even after all the noise, the S&P 500 is up around 3–4% year‑to‑date. Volatility has been the main topic in a lot of my conversations lately: with clients, friends, and other professionals. A good plan isn’t built to predict headlines. It’s built so you don’t have to react to them. Fun fact: the market’s “fear gauge” (VIX) spiked above 30 in late March, but closed around 17.5 by April 17. When things feel volatile, what helps you stay steady: a plan, a timeline, or just tuning it out? If you want to talk through what a “steady plan” looks like for you, send me a message or check the link on my profile. 👉 Disclosures: thrivent.com/social Sources (for context): fred.stlouisfed.org/series/VIXCLS chartexchange.com/symbol/index-vix/historical fred.stlouisfed.org/series/SP500

Market volatility is exactly why I’m such a big believer in having a plan. 📌 This year has been a reminder that markets can move around… a lot. But that doesn’t automatically mean your plan needs to. And even after all the noise, the S&P 500 is up around 3–4% year‑to‑date. Volatility has been the main topic in a lot of my conversations lately: with clients, friends, and other professionals. A good plan isn’t built to predict headlines. It’s built so you don’t have to react to them. Fun fact: the market’s “fear gauge” (VIX) spiked above 30 in late March, but closed around 17.5 by April 17. When things feel volatile, what helps you stay steady: a plan, a timeline, or just tuning it out? If you want to talk through what a “steady plan” looks like for you, send me a message or check the link on my profile. 👉 Disclosures: thrivent.com/social Sources (for context): fred.stlouisfed.org/series/VIXCLS chartexchange.com/symbol/index-vix/historical fred.stlouisfed.org/series/SP500

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Spring cleaning isn’t just for garages...here’s the financial version. 🧹🌱 Hey, I get it, it’s been a busy start to 2026. Q1 tends to fly by for a lot of people. That’s usually when financial “piles” quietly stack up: ✅ accounts spread across places ✅ beneficiaries that haven’t been reviewed in a while ✅ paperwork you meant to organize ✅ plans that haven’t quite caught up with real life A spring reset doesn’t have to mean making big changes. Sometimes it’s just getting clarity on: • what you have • how it’s organized • and whether it still fits where you’re headed If this is something you’ve been meaning to check in on this year, spring is a pretty natural time to pause and think about it. 😊 Disclosures: thrivent.com/social

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Spring cleaning isn’t just for garages...here’s the financial version. 🧹🌱 Hey, I get it, it’s been a busy start to 2026. Q1 tends to fly by for a lot of people. That’s usually when financial “piles” quietly stack up: ✅ accounts spread across places ✅ beneficiaries that haven’t been reviewed in a while ✅ paperwork you meant to organize ✅ plans that haven’t quite caught up with real life A spring reset doesn’t have to mean making big changes. Sometimes it’s just getting clarity on: • what you have • how it’s organized • and whether it still fits where you’re headed If this is something you’ve been meaning to check in on this year, spring is a pretty natural time to pause and think about it. 😊 Disclosures: thrivent.com/social

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Did you know? Nearly 60% of small businesses have no succession plan. (Source: Walden University) Imagine building a thriving business… and one unexpected event changes everything. Before 2026 hits, ask yourself: ✅ Do I have a tax-smart exit strategy? ✅ Is my business ready for transitions? ✅ Am I building wealth for myself too? 💡 Quick Tip: Review your business insurance and key-person coverage before year-end, it’s one of the easiest ways to protect your hard work. Your business isn’t just numbers, it’s your legacy. 💬 What’s your #1 priority for 2026? 👉 DM me to talk about planning strategies for the new year. #SmallBusinessPlanning #BusinessStrategy #SuccessionPlanning #TaxSmart #FinancialPlanning #BusinessOwnerTips #PlanAhead2026 #LegacyPlanning #EntrepreneurLife #BusinessGrowth Source URL: https://www.waldenu.edu/programs/business/resource/top-five-reasons-every-business-should-have-a-succession-plan For important information, visit thrivent.com/disclosures

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Did you know? Nearly 60% of small businesses have no succession plan. (Source: Walden University) Imagine building a thriving business… and one unexpected event changes everything. Before 2026 hits, ask yourself: ✅ Do I have a tax-smart exit strategy? ✅ Is my business ready for transitions? ✅ Am I building wealth for myself too? 💡 Quick Tip: Review your business insurance and key-person coverage before year-end, it’s one of the easiest ways to protect your hard work. Your business isn’t just numbers, it’s your legacy. 💬 What’s your #1 priority for 2026? 👉 DM me to talk about planning strategies for the new year. #SmallBusinessPlanning #BusinessStrategy #SuccessionPlanning #TaxSmart #FinancialPlanning #BusinessOwnerTips #PlanAhead2026 #LegacyPlanning #EntrepreneurLife #BusinessGrowth Source URL: https://www.waldenu.edu/programs/business/resource/top-five-reasons-every-business-should-have-a-succession-plan For important information, visit thrivent.com/disclosures

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📋 Small business owners & self-employed professionals, before you wrap up 2025, here are a few planning points that could help set you up for success: ✅ Review retirement plan options (SEP IRA, Solo 401(k)) ✅ Check contribution limits for HSAs and other accounts ✅ Evaluate year-end purchases that align with your business goals ✅ Make sure your financial plan reflects both short-term needs and long-term growth These aren’t one-size-fits-all, but they might help improve efficiency and keep your plan on track. 💬 What’s one financial question you’ve been meaning to ask before year-end? Drop it in the comments or send me a message...I’d love to help you think it through! 📌 See thrivent.com/disclosures for important disclosures

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📋 Small business owners & self-employed professionals, before you wrap up 2025, here are a few planning points that could help set you up for success: ✅ Review retirement plan options (SEP IRA, Solo 401(k)) ✅ Check contribution limits for HSAs and other accounts ✅ Evaluate year-end purchases that align with your business goals ✅ Make sure your financial plan reflects both short-term needs and long-term growth These aren’t one-size-fits-all, but they might help improve efficiency and keep your plan on track. 💬 What’s one financial question you’ve been meaning to ask before year-end? Drop it in the comments or send me a message...I’d love to help you think it through! 📌 See thrivent.com/disclosures for important disclosures

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🚗💨 Is your retirement on cruise control...or on the shoulder? Think of retirement like a road trip. 🛣️ You wouldn’t start a long drive without checking the gas ⛽, tires 🛞, and map 🗺️...so why start retirement without a plan? Ask yourself: -Are your savings enough to reach your destination? 💰 -Are unexpected expenses accounted for? 🏥📊 -Are you using every “shortcut” to make your money last longer? ✨ -A quick pit stop now can make sure your journey is smooth, no SURPRISES ahead! 🛑 💬 Where do you see your retirement journey right now....smooth highway or a bumpy road? See thrivent.com/social for important disclosures.

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🚗💨 Is your retirement on cruise control...or on the shoulder? Think of retirement like a road trip. 🛣️ You wouldn’t start a long drive without checking the gas ⛽, tires 🛞, and map 🗺️...so why start retirement without a plan? Ask yourself: -Are your savings enough to reach your destination? 💰 -Are unexpected expenses accounted for? 🏥📊 -Are you using every “shortcut” to make your money last longer? ✨ -A quick pit stop now can make sure your journey is smooth, no SURPRISES ahead! 🛑 💬 Where do you see your retirement journey right now....smooth highway or a bumpy road? See thrivent.com/social for important disclosures.

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💸 Your business might be leaking profits, and you don’t even see it. Most owners focus on revenue growth but miss the hidden drains: -Taxes quietly eating your cash flow -Inefficient benefit plans -Idle money that could be working harder I help business owners find the leaks and use the right tools to plug them...protecting your income and building long-term wealth. No pressure, just a 30-minute conversation. Worst case: you see where money is slipping away. Best case: we patch the leaks and your dollars start working smarter. 👉 Message me to grab a spot. See thrivent.com/social for important disclosures.

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💸 Your business might be leaking profits, and you don’t even see it. Most owners focus on revenue growth but miss the hidden drains: -Taxes quietly eating your cash flow -Inefficient benefit plans -Idle money that could be working harder I help business owners find the leaks and use the right tools to plug them...protecting your income and building long-term wealth. No pressure, just a 30-minute conversation. Worst case: you see where money is slipping away. Best case: we patch the leaks and your dollars start working smarter. 👉 Message me to grab a spot. See thrivent.com/social for important disclosures.

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💭 Roth Conversions: Pay Now or Pay Later? Uncle Sam always gets paid… the real question is when...and how much. 🧾 Roth conversions can be a powerful tool in your retirement game plan. But timing and strategy are everything. 👀 In Q3 and Q4, you still have time to: ✅ Fill lower tax brackets ✅ Shift taxable income ✅ Potentially reduce RMDs in retirement But here’s the kicker, not everyone benefits from a conversion, and there’s no one-size-fits-all. 🔍 Curious on learning more? Let’s break it down with your full picture in mind...not just numbers in isolation. #PlanAhead #TaxEfficiency #RetirementPlanning See thrivent.com/social for important disclosures. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules.

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💭 Roth Conversions: Pay Now or Pay Later? Uncle Sam always gets paid… the real question is when...and how much. 🧾 Roth conversions can be a powerful tool in your retirement game plan. But timing and strategy are everything. 👀 In Q3 and Q4, you still have time to: ✅ Fill lower tax brackets ✅ Shift taxable income ✅ Potentially reduce RMDs in retirement But here’s the kicker, not everyone benefits from a conversion, and there’s no one-size-fits-all. 🔍 Curious on learning more? Let’s break it down with your full picture in mind...not just numbers in isolation. #PlanAhead #TaxEfficiency #RetirementPlanning See thrivent.com/social for important disclosures. State tax rules may differ from federal rules governing the tax treatment of Roth IRAs and there may be conflicts between federal and state tax treatment of IRA conversions. Consult your tax professional for your state's tax rules.

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