Johnathan Parohinog

06/30/2026

Spent the day at the Temple Health & Wellness Expo spreading Thrivent's message and cheering on everyone working toward their wellness goals! 🌱
Wellness isn't just about what you eat or how you move. It's also about how you plan, save, and prepare for the life you want. Grateful for the chance to support our community and the amazing businesses helping people live their best lives. 💚

03/21/2026

💡 Quick question—have you ever heard of a “Mega‑Backdoor Roth”?
If you’re a high earner, you may already know that Roth IRA contribution limits can feel pretty restrictive. What many people don’t realize is that some employer retirement plans may allow a way to move significantly more money into Roth dollars—potentially creating more tax‑free income down the road.
Here’s the thing:
👉 It’s not for everyone
👉 Plan rules really matter
👉 And it has to be done the right way
That’s why this strategy tends to fly under the radar.
If you’re curious whether this could apply to your situation—or just want to understand it at a high level—I’m happy to talk it through. Sometimes the biggest opportunities are the ones you didn’t know to ask about.
📩 Feel free to message me if you’d like to learn more.

This content is for educational purposes only and is not intended as tax or investment advice. Strategies discussed may not be suitable for everyone. Thrivent Financial. Thrivent.com/social.

01/26/2026

We’re beyond proud to share this incredible news!

Thrivent has been named to Fortune’s 2026 World’s Most Admired Companies list—a huge honor and a true reflection of our purpose‑driven mission, leadership, and impact. 💙

Being admired on a global scale doesn’t happen by accident—it’s the result of putting people, values, and service first.

👉 See the full announcement from Fortune here:
🔗 https://bit.ly/4a2j0Hh [newsroom.t...rivent.com]

12/31/2025

🌟 What an amazing day at ROCK Ride! 🌟

Adam Burden and I had the privilege of hosting a retirement planning workshop for the incredible team at ROCK Ride, a nonprofit organization making a huge impact in the community.
It was a fantastic session filled with insightful discussions, great questions, and meaningful connections. We covered a lot of ground on planning for the future, and it was inspiring to see the dedication this team has—not just to their work, but to their own financial well-being.

Supporting organizations like ROCK Ride reminds us why we do what we do. Thank you for welcoming us and allowing us to be part of your journey!

💙 Here’s to empowering amazing people and building brighter futures together!

12/08/2025

✨ What an amazing experience! ✨

I had the privilege of attending the MNO Networking Event and it was such a fantastic opportunity to connect with incredible professionals and build meaningful relationships.

Events like these remind us how powerful collaboration and shared ideas can be. Thank you to everyone who made it such a memorable day!

12/04/2025

🎁 Don’t Let Scammers Steal Your Holiday Cheer! 🎄

The holidays should be about joy—not fraud. From porch piracy to phishing texts, scammers are working overtime this season. Stay alert, shop smart, and protect your wallet!
✅ Inspect gift cards
✅ Verify websites
✅ Avoid suspicious links
Spread the word and keep the holidays merry (and scam-free)!

11/28/2025

✨ Big Win for Tipped Workers! Changes by the new Tax Bill:

Starting in 2025, the One Big Beautiful Bill Act introduces a game-changing deduction: up to $25,000 of qualified tips can be tax-free! 🍽️🎭🚗

If you work in food service, hospitality, personal care, or other tip-based roles, this could mean more money in your pocket.

✅ Applies to both employees and self-employed
✅ Available whether you itemize or take the standard deduction
✅ Phase-out starts at $150K MAGI for singles or $300K for married filing jointly—it even provides a deduction for higher income earners!
⚠️ There are specific rules to use this deduction, so be sure to inquire for clarification.

Stay informed—your hard-earned tips deserve to stay with you!



See thrivent.com/social for important disclosure information.

11/21/2025

College Costs Continue to Rise—but Understanding the “Real” Price Helps

This year’s college cost updates show another round of increases, with private colleges seeing the sharpest jump. Totals at many schools now cross $30k, $50k, and $65k depending on the type of institution.

For families planning ahead, it’s important to remember the difference between sticker price and net price. Most students don’t pay the full published cost. Each college provides a net price calculator so parents and students can get an estimate of potential grant aid and a more realistic look at what attendance might actually cost.
If you’re looking at these trends and wondering what it could mean for your plans, I’m here to help you think through the details.

10/20/2025

Warren Buffett’s Favorite Investment Strategy (Hint: It’s Not a Stock)

“Investing in yourself is the best thing you can do. Anything that improves your talents — nobody can tax it or take it away from you.” — Warren Buffett

You might think the highest returns lie in the next hot stock, real estate flip, or alternate investment. But Buffett’s wisdom reminds us that the most resilient, scalable, and irreversible investment is self‑development.

If you really want to “guarantee returns,” start here:
- Pick one skill that’s tightly connected to your goals (sales, leadership, communication, analytics, etc.).
- Devote regular time — even 15–30 minutes a day — to improving it.
- Apply what you learn, measure progress, and iterate.

That’s not a speculative gamble. That’s a durable, tax‑free, always-on investment in your future.

It's not stocks, or bonds, or real estate, or crypto. And it's tax-free.

05/29/2025

📉 Market Volatility = Hidden Retirement Opportunity?

Tariffs and market swings might have rattled nerves—but smart investors are turning uncertainty into strategy.

Did you know a down market could be the perfect time to convert your traditional IRA to a Roth IRA—and potentially save big on taxes?
Or that delaying your Required Minimum Distribution (RMD) could make a huge difference in your 2025 retirement income?

Here’s what most investors don’t realize:
🔹 Lower portfolio values = lower taxes on conversions
🔹 Roth IRAs = tax-free growth AND no RMDs
🔹 New legislation could shake up tax rates by 2026

💡 What’s the right move for your IRA? It could depend on timing—and a few little-known rules.

DM us or drop a comment to learn how to turn market dips into long-term gains. Your future self will thank you.