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Insights

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

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👉 What does retirement actually look like for you? Not an age — a lifestyle. Travel? More time with family? Part-time work? Serving your church or community? If we don’t define the life first, the money plan doesn’t work. Let’s design your future on purpose. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 What does retirement actually look like for you? Not an age — a lifestyle. Travel? More time with family? Part-time work? Serving your church or community? If we don’t define the life first, the money plan doesn’t work. Let’s design your future on purpose. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Do you know someone who always says, “I should really get my finances organized…”? Send them my way. Referrals are how I get to serve more families and bring clarity to the next generation. If you’ve found value in our conversations, it truly means a lot when you share my name. Money doesn’t have to feel overwhelming — sometimes one introduction changes everything. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Do you know someone who always says, “I should really get my finances organized…”? Send them my way. Referrals are how I get to serve more families and bring clarity to the next generation. If you’ve found value in our conversations, it truly means a lot when you share my name. Money doesn’t have to feel overwhelming — sometimes one introduction changes everything. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Should you pay off debt first… or invest first? Everyone wants a simple answer. But the truth is — it depends. Interest rate. Cash flow. Tax strategy. Goals. Personal finance should be personal. If you’re guessing, let’s replace guessing with clarity. (And remember — I can work virtually with families all over the country.) 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Should you pay off debt first… or invest first? Everyone wants a simple answer. But the truth is — it depends. Interest rate. Cash flow. Tax strategy. Goals. Personal finance should be personal. If you’re guessing, let’s replace guessing with clarity. (And remember — I can work virtually with families all over the country.) 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Quick check: When was the last time you reviewed your beneficiaries? Not exciting… but incredibly important. I’ve seen: • ex-spouses still listed • parents listed instead of spouses • accounts with no beneficiaries at all One small oversight can send money somewhere you never intended. This takes 10 minutes to fix — and could protect your family for decades. If you want help reviewing everything together, I’m happy to walk through it with you. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Quick check: When was the last time you reviewed your beneficiaries? Not exciting… but incredibly important. I’ve seen: • ex-spouses still listed • parents listed instead of spouses • accounts with no beneficiaries at all One small oversight can send money somewhere you never intended. This takes 10 minutes to fix — and could protect your family for decades. If you want help reviewing everything together, I’m happy to walk through it with you. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Financial Confidence > portfolio size. At the end of the day, the goal isn’t just numbers on a screen. It’s: • sleeping well • knowing your family is protected • having freedom with your time “And God is able to bless you abundantly, so that in all things at all times… you will abound in every good work.” — 2 Corinthians 9:8 Money is a tool. Let’s make it serve your life — not run it. Reach out anytime. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Financial Confidence > portfolio size. At the end of the day, the goal isn’t just numbers on a screen. It’s: • sleeping well • knowing your family is protected • having freedom with your time “And God is able to bless you abundantly, so that in all things at all times… you will abound in every good work.” — 2 Corinthians 9:8 Money is a tool. Let’s make it serve your life — not run it. Reach out anytime. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 If you got a surprise $10,000 today… would you know exactly what to do with it? Pay debt? Invest? Save? Spend? A clear plan removes the “what should I do?” stress. Money should feel purposeful — not confusing. If you want that clarity, I’m here. Let’s simplify your financial life. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 If you got a surprise $10,000 today… would you know exactly what to do with it? Pay debt? Invest? Save? Spend? A clear plan removes the “what should I do?” stress. Money should feel purposeful — not confusing. If you want that clarity, I’m here. Let’s simplify your financial life. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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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.

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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.

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👉 How much are you paying in taxes that you don’t actually have to? This is one of the biggest silent leaks I see. Smart planning isn’t just about growth — it’s about keeping more of what you earn. Small tax adjustments today = big impact later. If you haven’t reviewed your strategy recently, let’s talk. (And remember — I’m happy to help your friends and family anywhere in the U.S.) 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 How much are you paying in taxes that you don’t actually have to? This is one of the biggest silent leaks I see. Smart planning isn’t just about growth — it’s about keeping more of what you earn. Small tax adjustments today = big impact later. If you haven’t reviewed your strategy recently, let’s talk. (And remember — I’m happy to help your friends and family anywhere in the U.S.) 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Who taught you about money growing up? For many people… no one. That’s why I’m passionate about helping families break the cycle and build financial confidence for the next generation. Your kids don’t just inherit money — they inherit habits. Let’s make them good ones. If we’ve worked together and you’ve found value, I’d truly appreciate you keeping me in mind when friends or coworkers start asking financial questions. Word of mouth changes lives. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Who taught you about money growing up? For many people… no one. That’s why I’m passionate about helping families break the cycle and build financial confidence for the next generation. Your kids don’t just inherit money — they inherit habits. Let’s make them good ones. If we’ve worked together and you’ve found value, I’d truly appreciate you keeping me in mind when friends or coworkers start asking financial questions. Word of mouth changes lives. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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👉 Skeptical about working with a financial advisor? Good. You should be. You should ask questions. You should want transparency. You should expect someone who actually listens. A first meeting with me is simple — no pressure, just clarity: • Where you are • Where you want to go • What gaps exist Sometimes one conversation saves years of stress. Curious what that looks like? Message me. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

👉 Skeptical about working with a financial advisor? Good. You should be. You should ask questions. You should want transparency. You should expect someone who actually listens. A first meeting with me is simple — no pressure, just clarity: • Where you are • Where you want to go • What gaps exist Sometimes one conversation saves years of stress. Curious what that looks like? Message me. 📞 Call/Text: 651-661-4930 📧 michael.kruse@thrivent.com 🌐 https://connect.thrivent.com/michael-kruse 📎 See thrivent.com/social for important disclosures.

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.

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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.

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