About Melanie Morat

I'm proud to be a Thrivent Financial Advisor. I provide personalized financial guidance to people at all stages of life. At Thrivent, we view money not as a goal, but as a tool — one that can afford you a life rich in meaning and gratitude. We believe humanity thrives when individuals make the most of all they've been given. I'm here to help you do just that.

Education & Accomplishments

FINRA Series 7 General Securities Representative
FINRA Series 66 Uniform Combined State Law
Behavioral Financial Advisor™ Designation
Certification in Long Term Care® Designation
Life & Health Insurance Licenses
Bachelor of Arts in Psychology

5 Things to Help Your Financial Future

Faith and Finances in Folsom, CA

Thrivent Financial has one of the strongest capital positions in the industry. However, it’s our mission that makes us unique. At Thrivent our goal is to help Christians be wise with money and live generously. This means we have a different mindset about finances. We believe that money is a tool not a goal.

As a Financial Advisor, I will work with you to provide comprehensive financial guidance that reflects your goals and values. Whether it is helping you with retirement, investments, or through the financial complexities of divorce, together we can develop a financial strategy that helps your money work for you. Call or visit my office in Folsom to learn more or schedule a time for us to meet.

Community Involvement

Folsom Chamber Member Since 2019

Sponsor of the Folsom Chamber Women's Conference 2019, 2020, 2021

Offering Community Financial Workshops

Generosity Events and Action Teams

Meet My Team

Susan Shepherd

Title: Office Professional

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.