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Insights

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

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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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The cost of cash: Where to invest when interest rates shift

Whether you’re saving for something big, looking to generate a steady income, or seeking flexible access to your cash, there are smart ways to keep your money productive and there for you when you need it—regardless of shifting interest rates. Explore your options below and let’s connect to keep your goals on track as interest rates change.

Keeping too much cash on hand can hurt your portfolio. Discover tips to help optimize returns when rates fluctuate. Contact a financial...

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Do you really know what your business is worth—or are you guessing and hoping it’s enough for your future? I’m grateful to share that I earned the CEPA®️ (Certified Exit Planning Advisor) designation—all glory to God for this milestone. 🙌🏽 As a bilingual financial advisor serving purpose‑led business owners, my mission is to help you move from uncertainty to clarity—and from clarity to transferable value. How I help owners create real, lasting value (CEPA approach): *Align goals so your business, personal, and financial plans move in the same direction—on purpose. *Reduce dependence & risk with documented processes, clear controls, and a team that performs beyond the owner. *Drive cash flow & scalability through focused KPIs and disciplined quarterly execution—small wins that compound. *Strengthen leadership & culture so value is durable, not fragile. *Coordinate your advisor team (legal, tax, M&A, finance, insurance) under a single roadmap guided by CEPA’s Value Acceleration Methodology If you’re exploring growth or succession—or you simply want a practical, faith‑aligned plan to increase value and prepare for transition—let’s talk. #SuccessionPlanning #Entrepreneurship #SmallBusinessGrowth #WealthWithPurpose Disclosures: thrivent.com/social

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Do you really know what your business is worth—or are you guessing and hoping it’s enough for your future? I’m grateful to share that I earned the CEPA®️ (Certified Exit Planning Advisor) designation—all glory to God for this milestone. 🙌🏽 As a bilingual financial advisor serving purpose‑led business owners, my mission is to help you move from uncertainty to clarity—and from clarity to transferable value. How I help owners create real, lasting value (CEPA approach): *Align goals so your business, personal, and financial plans move in the same direction—on purpose. *Reduce dependence & risk with documented processes, clear controls, and a team that performs beyond the owner. *Drive cash flow & scalability through focused KPIs and disciplined quarterly execution—small wins that compound. *Strengthen leadership & culture so value is durable, not fragile. *Coordinate your advisor team (legal, tax, M&A, finance, insurance) under a single roadmap guided by CEPA’s Value Acceleration Methodology If you’re exploring growth or succession—or you simply want a practical, faith‑aligned plan to increase value and prepare for transition—let’s talk. #SuccessionPlanning #Entrepreneurship #SmallBusinessGrowth #WealthWithPurpose Disclosures: thrivent.com/social

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Thrivent Rings the NYSE Closing Bell! 🔔 On January 5, 2026, Thrivent marked a historic moment by ringing the New York Stock Exchange Closing Bell—a celebration of growth and purpose. As someone passionate about helping families and business owners build wealth with meaning, this milestone inspires me. Thrivent’s expansion in the ETF space, surpassing $1 billion in assets under management, reflects a commitment to innovation while staying true to values that matter. For me, this is more than a financial achievement— it’s a reminder that when we align our resources with our faith and long-term vision, we create impact that lasts. If you’re a business owner or family seeking strategies that combine financial clarity with biblical stewardship, let’s connect. Together, we can build a legacy that honors your values. #Thrivent #NYSE #FaithDrivenFinance #ETFs #PurposeDrivenWealth Disclosures: thrivent.com/social

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Thrivent Rings the NYSE Closing Bell! 🔔 On January 5, 2026, Thrivent marked a historic moment by ringing the New York Stock Exchange Closing Bell—a celebration of growth and purpose. As someone passionate about helping families and business owners build wealth with meaning, this milestone inspires me. Thrivent’s expansion in the ETF space, surpassing $1 billion in assets under management, reflects a commitment to innovation while staying true to values that matter. For me, this is more than a financial achievement— it’s a reminder that when we align our resources with our faith and long-term vision, we create impact that lasts. If you’re a business owner or family seeking strategies that combine financial clarity with biblical stewardship, let’s connect. Together, we can build a legacy that honors your values. #Thrivent #NYSE #FaithDrivenFinance #ETFs #PurposeDrivenWealth Disclosures: thrivent.com/social

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New year, new chapter—I’m grateful to share that I’ve stepped into the role of Market Developer in South Texas at @Thrivent. ✨ If you know me, you know I care deeply about service and stewardship. After building a bilingual practice and mentoring advisors in joint field work, this role lets me do more of what I love: help new advisors launch well, grow confidently, and serve clients with purpose-based advice. The communities on my heart: • Women making values-aligned decisions for their families • Pastors & ministries stewarding resources for congregations • Hispanic business owners scaling wisely and protecting legacy (English y Español—happy to connect in either language.) What you can expect from me: — Side-by-side mentorship, practical launch playbooks, and real-time case support — Collaboration with teams and community partners to expand financial education — A listening ear; I’m here to help you move from clarity → strategy → action Grateful for the opportunity to serve—one advisor, one family, one business at a time. Let’s make 2026 a year of clarity, confidence, and legacy. #marketdeveloper #goals2026 #financialadvisors #leadership See thrivent.com/social for important disclosures

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New year, new chapter—I’m grateful to share that I’ve stepped into the role of Market Developer in South Texas at @Thrivent. ✨ If you know me, you know I care deeply about service and stewardship. After building a bilingual practice and mentoring advisors in joint field work, this role lets me do more of what I love: help new advisors launch well, grow confidently, and serve clients with purpose-based advice. The communities on my heart: • Women making values-aligned decisions for their families • Pastors & ministries stewarding resources for congregations • Hispanic business owners scaling wisely and protecting legacy (English y Español—happy to connect in either language.) What you can expect from me: — Side-by-side mentorship, practical launch playbooks, and real-time case support — Collaboration with teams and community partners to expand financial education — A listening ear; I’m here to help you move from clarity → strategy → action Grateful for the opportunity to serve—one advisor, one family, one business at a time. Let’s make 2026 a year of clarity, confidence, and legacy. #marketdeveloper #goals2026 #financialadvisors #leadership See thrivent.com/social for important disclosures

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Sequence of returns risk: What it means for your retirement

The market can shift at any time, and big drops early in retirement could affect your savings. The right approach can help keep your savings resilient. Check out this article, then reach out to talk through ways to help protect your savings.👇

As you set out on your retirement journey, you want to make the most of your money and stay on the road to financial stability. That's why, if you have...

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🎙️ Featured on KPRC: Gen Z, “Revenge Saving,” and Reclaiming Financial Power 💸 I had the honor of joining Andy Cerota on KPRC to discuss a powerful financial movement gaining traction among Gen Z — “revenge saving.” But here’s what’s truly inspiring: it’s not about restriction — it’s about reclaiming control, building confidence, and aligning money with purpose. 📱 From no-spend challenges to intentional budgeting, Gen Z is proving that small, consistent choices can lead to big confidence. In a world of rising prices and uncertainty, this mindset shift isn’t just smart — it’s transformational. 🧠 As I shared during the segment, saving today is no longer rooted in fear — it’s rooted in focus. It’s about asking: 👉 What truly matters most to me? 👉 What future am I building toward? 👉 How can I align my money with my values and purpose? 📺 Missed the interview? Catch the full KPRC segment below to see how Gen Z’s “revenge saving” movement is turning financial stress into empowerment. If this message resonates with you — or if you’re ready to take control of your financial journey — I’d love to connect. Let’s talk about how to align your money with your mission. 📩 DM me or email sofia.hernandez@thrivent.com to start the conversation. hashtag#RevengeSaving hashtag#GenZFinance hashtag#FinancialEmpowerment hashtag#PurposeDrivenWealth hashtag#HoustonFinance hashtag#Thrivent hashtag#SofiaHernandez hashtag#FinancialAdvisor hashtag#FaithAndFinance hashtag#KPRC See thrivent.com/social for important disclosures. Concepts presented are intended for educational purposes. This information should not be considered investment advice or a recommendation of any particular security, strategy, or product.

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🎙️ Featured on KPRC: Gen Z, “Revenge Saving,” and Reclaiming Financial Power 💸 I had the honor of joining Andy Cerota on KPRC to discuss a powerful financial movement gaining traction among Gen Z — “revenge saving.” But here’s what’s truly inspiring: it’s not about restriction — it’s about reclaiming control, building confidence, and aligning money with purpose. 📱 From no-spend challenges to intentional budgeting, Gen Z is proving that small, consistent choices can lead to big confidence. In a world of rising prices and uncertainty, this mindset shift isn’t just smart — it’s transformational. 🧠 As I shared during the segment, saving today is no longer rooted in fear — it’s rooted in focus. It’s about asking: 👉 What truly matters most to me? 👉 What future am I building toward? 👉 How can I align my money with my values and purpose? 📺 Missed the interview? Catch the full KPRC segment below to see how Gen Z’s “revenge saving” movement is turning financial stress into empowerment. If this message resonates with you — or if you’re ready to take control of your financial journey — I’d love to connect. Let’s talk about how to align your money with your mission. 📩 DM me or email sofia.hernandez@thrivent.com to start the conversation. hashtag#RevengeSaving hashtag#GenZFinance hashtag#FinancialEmpowerment hashtag#PurposeDrivenWealth hashtag#HoustonFinance hashtag#Thrivent hashtag#SofiaHernandez hashtag#FinancialAdvisor hashtag#FaithAndFinance hashtag#KPRC See thrivent.com/social for important disclosures. Concepts presented are intended for educational purposes. This information should not be considered investment advice or a recommendation of any particular security, strategy, or product.

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Help your money last in retirement

A long life is a gift—let’s help make sure your finances can keep up. Start by building financial resilience against inflation, market swings, and rising health and care costs.

Discover how to help your savings go the distance, support your future health and care needs, and give you more freedom in retirement.

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Have sales experience, a calling to serve and a desire to grow? You may be the perfect fit for Thrivent’s Virtual Advice team. As a Virtual Advisor, you’ll connect with existing clients online, helping them build and refine financial strategies tailored to their values and goals. Along the way, you’ll strengthen relationships and make a meaningful difference in people’s lives. What you’ll gain: ✔️ A steady salary plus bonus opportunities ✔️ Comprehensive training and ongoing support ✔️ Full corporate benefits ✔️ Experience to advance in your career Explore the opportunity: thriventcareers.com/4mQHjMQ

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Have sales experience, a calling to serve and a desire to grow? You may be the perfect fit for Thrivent’s Virtual Advice team. As a Virtual Advisor, you’ll connect with existing clients online, helping them build and refine financial strategies tailored to their values and goals. Along the way, you’ll strengthen relationships and make a meaningful difference in people’s lives. What you’ll gain: ✔️ A steady salary plus bonus opportunities ✔️ Comprehensive training and ongoing support ✔️ Full corporate benefits ✔️ Experience to advance in your career Explore the opportunity: thriventcareers.com/4mQHjMQ

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Start your next chapter—without starting from scratch. Put your sales experience to work as a Thrivent Virtual Advisor. You’ll support clients remotely while enjoying a stable salary, full corporate benefits and a collaborative, mission-driven environment. We’ll provide the structure, training and support you need to grow with confidence. You'll meet virtually with existing clients, follow a structured schedule and earn a steady income with bonus potential as you learn the financial advisor role. Take the first step 👉 thriventcareers.com/3JPCcOS

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Start your next chapter—without starting from scratch. Put your sales experience to work as a Thrivent Virtual Advisor. You’ll support clients remotely while enjoying a stable salary, full corporate benefits and a collaborative, mission-driven environment. We’ll provide the structure, training and support you need to grow with confidence. You'll meet virtually with existing clients, follow a structured schedule and earn a steady income with bonus potential as you learn the financial advisor role. Take the first step 👉 thriventcareers.com/3JPCcOS

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.

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