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Interest rates are shifting. Understanding the purpose and timeline of your cash can help you decide whether and how to invest it for optimal returns. Ask yourself two questions. ⬇️ See thrivent.com/social for important disclosures.

Interest rates are shifting. Understanding the purpose and timeline of your cash can help you decide whether and how to invest it for optimal returns. Ask yourself two questions. ⬇️ See thrivent.com/social for important disclosures.

🌟 Thrivent Business Development Conference - A Reinforced Commitment to Our Mission 🌟 Our recent Business Development Conference was nothing short of inspiring! 🎉 It truly reinforced the deep commitment Thrivent has not only to us as Advisors but also to our clients and the communities we serve. 💼💙 This year’s conference was a powerful reminder of how we, as a team, are united in our mission to help clients preserve and grow their wealth, while creating lasting impacts that benefit future generations. The support, energy, and innovative ideas shared have only strengthened our resolve to continue empowering those we serve. Thrivent’s dedication to growing our skills and expanding our resources ensures that we’re equipped to offer meaningful financial guidance—and that makes all the difference when it comes to helping our clients achieve their dreams and giving back to the community. Together, we’re building stronger futures, one family, one community at a time. Let’s keep the momentum going! #Thrivent #BusinessDevelopment #AdvisorSupport #ClientFocused #CommunityImpact #WealthWithPurpose #ThriventForGood #LegacyBuilding #CommitmentToExcellence

🌟 Thrivent Business Development Conference - A Reinforced Commitment to Our Mission 🌟 Our recent Business Development Conference was nothing short of inspiring! 🎉 It truly reinforced the deep commitment Thrivent has not only to us as Advisors but also to our clients and the communities we serve. 💼💙 This year’s conference was a powerful reminder of how we, as a team, are united in our mission to help clients preserve and grow their wealth, while creating lasting impacts that benefit future generations. The support, energy, and innovative ideas shared have only strengthened our resolve to continue empowering those we serve. Thrivent’s dedication to growing our skills and expanding our resources ensures that we’re equipped to offer meaningful financial guidance—and that makes all the difference when it comes to helping our clients achieve their dreams and giving back to the community. Together, we’re building stronger futures, one family, one community at a time. Let’s keep the momentum going! #Thrivent #BusinessDevelopment #AdvisorSupport #ClientFocused #CommunityImpact #WealthWithPurpose #ThriventForGood #LegacyBuilding #CommitmentToExcellence

Feeling overextended? If you’re part of the sandwich generation, you may feel like you’re being pulled in multiple directions at once. Relieve the pressure with a financial plan that helps you: ✅ Prioritize what matters most ✅ Ease the stress of competing demands ✅ Not lose track of your goals Let’s connect to create a financial plan that supports you—and those who depend on you. See thrivent.com/social for important disclosures.

Feeling overextended? If you’re part of the sandwich generation, you may feel like you’re being pulled in multiple directions at once. Relieve the pressure with a financial plan that helps you: ✅ Prioritize what matters most ✅ Ease the stress of competing demands ✅ Not lose track of your goals Let’s connect to create a financial plan that supports you—and those who depend on you. See thrivent.com/social for important disclosures.

🚫 Why It’s Not Usually the Best Idea to Leave an Old 401(k) Open 🚫 Switching jobs? It's easy to forget about that old 401(k), but leaving it behind might not be the best move. Here’s why: Fees and Expenses: Old 401(k) plans can come with high fees that eat away at your savings. Without regular oversight, these costs can go unnoticed and unchecked. Limited Investment Options: Sticking with your old plan means you’re limited to the investment choices it offers. Rolling over your 401(k) can provide you with more diverse and potentially better-performing options. Difficult to Manage: Juggling multiple retirement accounts can be confusing and cumbersome. Consolidating your accounts simplifies management and helps you stay on top of your retirement strategy. Lost Benefits: Some plans offer perks or benefits that might not apply once you leave your employer. Ensuring your funds are in an active, up-to-date plan can maximize the benefits available to you. Risk of Neglect: Out of sight, out of mind. It's easy to forget about an old 401(k), and that neglect can lead to missed opportunities for growth or adjustments in your investment strategy. So, what should you do? Rolling over your old 401(k) into a new employer’s plan or an IRA can give you better control, more investment options, and potentially lower fees. Additionally, while not a great option for many people, you can also cash it out. Need help with your 401(k) rollover? Book a meeting with me today and let’s ensure your retirement savings are working hard for you. 📅 Click the link to schedule a meeting: https://book.apps.thrivent.com/client/kimberly.loftin There may be benefits to leaving your account in your employer plan, if allowed. You will continue to benefit from tax deferral, there may be investment options unique to your plan, fees and expenses may be lower, plan assets have unlimited protection from creditors under Federal law, there is a possibility for loans, and distributions are penalty free if you terminate service at age 55+. Consult your tax professional prior to requesting a rollover from your employer plan. Visit Thrivent.com/social for important disclosures

🚫 Why It’s Not Usually the Best Idea to Leave an Old 401(k) Open 🚫 Switching jobs? It's easy to forget about that old 401(k), but leaving it behind might not be the best move. Here’s why: Fees and Expenses: Old 401(k) plans can come with high fees that eat away at your savings. Without regular oversight, these costs can go unnoticed and unchecked. Limited Investment Options: Sticking with your old plan means you’re limited to the investment choices it offers. Rolling over your 401(k) can provide you with more diverse and potentially better-performing options. Difficult to Manage: Juggling multiple retirement accounts can be confusing and cumbersome. Consolidating your accounts simplifies management and helps you stay on top of your retirement strategy. Lost Benefits: Some plans offer perks or benefits that might not apply once you leave your employer. Ensuring your funds are in an active, up-to-date plan can maximize the benefits available to you. Risk of Neglect: Out of sight, out of mind. It's easy to forget about an old 401(k), and that neglect can lead to missed opportunities for growth or adjustments in your investment strategy. So, what should you do? Rolling over your old 401(k) into a new employer’s plan or an IRA can give you better control, more investment options, and potentially lower fees. Additionally, while not a great option for many people, you can also cash it out. Need help with your 401(k) rollover? Book a meeting with me today and let’s ensure your retirement savings are working hard for you. 📅 Click the link to schedule a meeting: https://book.apps.thrivent.com/client/kimberly.loftin There may be benefits to leaving your account in your employer plan, if allowed. You will continue to benefit from tax deferral, there may be investment options unique to your plan, fees and expenses may be lower, plan assets have unlimited protection from creditors under Federal law, there is a possibility for loans, and distributions are penalty free if you terminate service at age 55+. Consult your tax professional prior to requesting a rollover from your employer plan. Visit Thrivent.com/social for important disclosures
The holidays were especially meaningful for me this year, as I reconnected with many friends and former coworkers who helped shape both my life and my career. It was all unexpected but oh so special... It began with time spent with a dear friend who volunteered with the NC Museum of History Associates. We traveled to Savannah together along with other museum members—such a gift of shared experience and friendship. Then, at my sister's birthday celebration, I saw and danced with the husband of my dear friend and former boss, Johnny Poole (Inez) who was a head teller at Peoples Bank when I was in college. They are the ones who introduced me to the real deal shaggin scene! Soon after, I heard from Vanessa Urbina, the very first bilingual teller I ever hired at First Federal Bank in Clayton. Her poise, professionalism, and ability to translate opened so many doors for our small branch and allowed us to better serve clients who had long been underserved. Amazingly, nearly 20 years later, we now work in the same office building! I also ran into Christie Donaldson, who became a fast friend during our years at First Citizens. We were office neighbors in Clayton and always had plenty to talk about, having both served FCB for many years. The Sunday before Christmas, I saw my very first boss from First Citizens at Hayes Barton Baptist Church. After more than 20 years, we quickly reconnected and shared stories—especially about my role as a trailblazer, creating and providing a very unique travel and client appreciation program for bank clients at FCB. And today, at my great-niece’s baptism, I saw Elizabeth Wallace. Elizabeth and I worked together at FCB, and she helped me with all things promotional for the public relations club I managed for the Bank. I share all of this because it has truly been a blessing to reconnect with people who helped shape me and my career. They were coworkers—but more than that, they were friends. Together, we worked hard to accomplish meaningful things for the people we served through our organizations. I can honestly say that I was blessed in 2025 and early 2026 with a beautiful flashback to the very best parts of my past! I am thankful for the people God placed in my life—then and now—who continue to remind me how rich those years truly were. It reminded me that the true gift of those years was the people who walked alongside me. We were focused on our goals for work but enjoyed our time together as we created lasting memories for our clients. Little did we know, we were creating lasting memories for ourselves as well. Looking back, I realize that the relationships we built mattered just as much as the work we did. Some chapters never really close—they wait quietly until you’re blessed enough to revisit them. I am deeply thankful for the people God placed in my life—colleagues who became friends—and for the meaningful work we were blessed to do together.
The holidays were especially meaningful for me this year, as I reconnected with many friends and former coworkers who helped shape both my life and my career. It was all unexpected but oh so special... It began with time spent with a dear friend who volunteered with the NC Museum of History Associates. We traveled to Savannah together along with other museum members—such a gift of shared experience and friendship. Then, at my sister's birthday celebration, I saw and danced with the husband of my dear friend and former boss, Johnny Poole (Inez) who was a head teller at Peoples Bank when I was in college. They are the ones who introduced me to the real deal shaggin scene! Soon after, I heard from Vanessa Urbina, the very first bilingual teller I ever hired at First Federal Bank in Clayton. Her poise, professionalism, and ability to translate opened so many doors for our small branch and allowed us to better serve clients who had long been underserved. Amazingly, nearly 20 years later, we now work in the same office building! I also ran into Christie Donaldson, who became a fast friend during our years at First Citizens. We were office neighbors in Clayton and always had plenty to talk about, having both served FCB for many years. The Sunday before Christmas, I saw my very first boss from First Citizens at Hayes Barton Baptist Church. After more than 20 years, we quickly reconnected and shared stories—especially about my role as a trailblazer, creating and providing a very unique travel and client appreciation program for bank clients at FCB. And today, at my great-niece’s baptism, I saw Elizabeth Wallace. Elizabeth and I worked together at FCB, and she helped me with all things promotional for the public relations club I managed for the Bank. I share all of this because it has truly been a blessing to reconnect with people who helped shape me and my career. They were coworkers—but more than that, they were friends. Together, we worked hard to accomplish meaningful things for the people we served through our organizations. I can honestly say that I was blessed in 2025 and early 2026 with a beautiful flashback to the very best parts of my past! I am thankful for the people God placed in my life—then and now—who continue to remind me how rich those years truly were. It reminded me that the true gift of those years was the people who walked alongside me. We were focused on our goals for work but enjoyed our time together as we created lasting memories for our clients. Little did we know, we were creating lasting memories for ourselves as well. Looking back, I realize that the relationships we built mattered just as much as the work we did. Some chapters never really close—they wait quietly until you’re blessed enough to revisit them. I am deeply thankful for the people God placed in my life—colleagues who became friends—and for the meaningful work we were blessed to do together.

🌟 You're Invited! Join Us for Brunch + Meaningful Money Conversations 🌟 You’re invited to join us for a "brunch and learn" conversation focused on charitable giving, saving strategies, and recent updates related to the One Big Beautiful Bill Act. This informal, educational session is designed to help you better understand options and considerations as you plan for the future. Over great food and even better company, we’ll unpack practical insights on: ✨ Ways individuals may approach charitable giving ✨ General concepts related to tax efficient saving strategies* ✨ Recent updates to the One Big Beautiful Bill Act and what they may mean for your planning You’ll have the opportunity to enjoy great food, connect with others, and explore information that may support your personal financial decision making. Wednesday, January 21st 9:00 a.m. Sip & Shop Cafe 17 North Main Street Wendell We hope to see you there! 💛 RSVP: Kimberly.loftin@thrivent.com or 919-801-2108 *Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. For such guidance, consult your attorney or tax professional.

🌟 You're Invited! Join Us for Brunch + Meaningful Money Conversations 🌟 You’re invited to join us for a "brunch and learn" conversation focused on charitable giving, saving strategies, and recent updates related to the One Big Beautiful Bill Act. This informal, educational session is designed to help you better understand options and considerations as you plan for the future. Over great food and even better company, we’ll unpack practical insights on: ✨ Ways individuals may approach charitable giving ✨ General concepts related to tax efficient saving strategies* ✨ Recent updates to the One Big Beautiful Bill Act and what they may mean for your planning You’ll have the opportunity to enjoy great food, connect with others, and explore information that may support your personal financial decision making. Wednesday, January 21st 9:00 a.m. Sip & Shop Cafe 17 North Main Street Wendell We hope to see you there! 💛 RSVP: Kimberly.loftin@thrivent.com or 919-801-2108 *Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. For such guidance, consult your attorney or tax professional.



