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Your Choices  
  You’ve already made the most important choice: to start saving for retirement. Congratulations! As the years go by, however, you’ll have more choices to consider as you come closer and closer to your retirement years.   white space Picture of retired man
 
   

Here are some important ones to consider.

Where to put your money
Most financial experts recommend prioritizing savings vehicles as follows:

  • Employer-sponsored retirement plan. If you can’t max out your plan, at least put away enough to qualify for the full employer match.
  • IRA. Choose a traditional, Roth or other IRA for individual tax advantages.
  • Non-qualified investments, annuities and more. Once you’ve taken full advantaged of retirement savings vehicles that offer tax advantages, you can take a look at other investment opportunities. Talk to your Thrivent Financial representative for ideas about how to make your hard-earned money work even harder.


To roll over or not to roll over

You can often save time and money by consolidating your retirement accounts. See if a Thrivent Financial Rollover IRA makes sense for you..


Ways to protect your savings

If you lose your job, become disabled or face other unforeseen challenges, your retirement savings are at risk. How can you protect yourself and your loved ones? How can you ensure your hard-earned retirement savings aren’t at risk of being depleted?

Some solutions to consider include:

Ask your Thrivent Financial representative for help deciding which ones make sense for you.
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Appleton, WI 54919-0001 USA
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Minneapolis Office:
625 Fourth Avenue S.
Minneapolis, MN 55415-1624 USA
800-THRIVENT
(800-847-4836)
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Thrivent Financial for Lutherans, its affiliates, Financial Representatives and employees do not provide legal, accounting, or tax advice or services. This summary information is provided for your education, and to help you start preparing for retirement. It is not intended to be tax or legal advice. We strongly advise that you consult your legal and/or tax advisor before making any tax-related financial decisions.

Thrivent Financial for Lutherans, Appleton, WI 54919-0001, is authorized to conduct business in all 50 states and the District of Columbia. NAIC # 2938-56014. Products issued by Thrivent Financial for Lutherans are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Not all products described are available in all states. Thrivent Financial representatives are licensed insurance agents. Insurance and retirement products, where available, are individual contracts, (not group coverage), and issued by Thrivent Financial for Lutherans. Investment products are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member SIPC. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc.

Bank products and trust services are offered through Thrivent Financial Bank, 2000 E. Milestone Dr., Appleton, WI 54919-0006 (Member FDIC, Equal Housing Lender), a wholly owned subsidiary of Thrivent Financial for Lutherans. Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank. Variable insurance contracts, investment products, trust, and investment management accounts may go down in value.

©1995-2008 Thrivent Financial for Lutherans

This document was last updated on Thursday, May 17, 2007 at 12:26 PM