What are the opening hours?

Monday 12pm - 4pm Tuesday 12pm - 4pm Wednesday 12pm - 4pm Thursday 8:30am - 4pm Friday 12pm - 4pm

http://wsbcampaign.com/ktorres, http://wsbcampaign.com/chinas

ThriveWell Financial Education Center, 1901 Main Street, 18th Floor, Tickle Hill, SC (2026)

10/20/2026

𝟐𝟎 𝐘𝐄𝐀𝐑𝐒. 𝟔,𝟓𝟗𝟒 𝐃𝐀𝐘𝐒. 𝐙𝐄𝐑𝐎 𝐂𝐀𝐒𝐇 𝐕𝐀𝐋𝐔𝐄. 💔

Storytime.....

Whew… 𝐇𝐎𝐖 𝐈 𝐖𝐈𝐒𝐇 𝐈 𝐇𝐀𝐃 𝐊𝐍𝐎𝐖𝐍.

After serving 20 years in the United States Air Force, I walked away with 𝐙𝐄𝐑𝐎 𝐂𝐀𝐒𝐇 𝐕𝐀𝐋𝐔𝐄 from my military group term life insurance.

For all those years, I had life insurance coverage designed to pay a death benefit if I passed away while covered.

But what I didn't understand was that 𝐌𝐈𝐋𝐈𝐓𝐀𝐑𝐘 𝐆𝐑𝐎𝐔𝐏 𝐓𝐄𝐑𝐌 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐃𝐎𝐄𝐒 𝐍𝐎𝐓 𝐁𝐔𝐈𝐋𝐃 𝐂𝐀𝐒𝐇 𝐕𝐀𝐋𝐔𝐄.

💭 𝐇𝐨𝐰 𝐈 𝐖𝐈𝐒𝐇 someone had explained that to me.

💭 𝐇𝐨𝐰 𝐈 𝐖𝐈𝐒𝐇 a licensed financial professional had sat down with me and explained the different life insurance solutions available.

💭 𝐇𝐨𝐰 𝐈 𝐖𝐈𝐒𝐇 I had known there were permanent life insurance options designed to provide protection while accumulating cash value over time.

Not because my military coverage was worthless. It served an important purpose.

But because 𝐈 𝐃𝐈𝐃𝐍'𝐓 𝐊𝐍𝐎𝐖 𝐖𝐇𝐀𝐓 𝐈 𝐃𝐈𝐃𝐍'𝐓 𝐊𝐍𝐎𝐖.

And that lack of knowledge meant I didn't have the opportunity to make a fully informed decision. Of course, I would have paid the $27.00 a month anyway, but I would have added other options had I known they existed.

But G-D! 🙌🏽

𝐒𝐨𝐦𝐞𝐭𝐢𝐦𝐞𝐬 𝐆-𝐝 𝐰𝐢𝐥𝐥 𝐭𝐮𝐫𝐧 𝐲𝐨𝐮𝐫 𝐥𝐚𝐜𝐤 𝐨𝐟 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐢𝐧𝐭𝐨 𝐚𝐧 𝐚𝐬𝐬𝐢𝐠𝐧𝐦𝐞𝐧𝐭 𝐭𝐨 𝐄𝐃𝐔𝐂𝐀𝐓𝐄 𝐎𝐓𝐇𝐄𝐑𝐒.

And THAT is why I BECAME WHAT I NEEDED.

That's why I advocate for Financial Education.

That's why I believe our military families, veterans, and hardworking professionals deserve to understand their financial options BEFORE they transition into their next season of life.

And that's why I'll continue doing Financial Education for as long as G-d allows me.

Because this is bigger than a policy.

✨ 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐄𝐃𝐔𝐂𝐀𝐓𝐈𝐎𝐍.

✨ 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐏𝐑𝐎𝐓𝐄𝐂𝐓𝐈𝐎𝐍.

✨ 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐎𝐏𝐓𝐈𝐎𝐍𝐒.

✨ 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐋𝐄𝐆𝐀𝐂𝐘.

✨ 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐎𝐁𝐄𝐃𝐈𝐄𝐍𝐂𝐄.

🔥 𝐁𝐄𝐂𝐀𝐔𝐒𝐄 𝐒𝐎𝐌𝐄𝐎𝐍𝐄'𝐒 𝐃𝐄𝐒𝐓𝐈𝐍𝐘 𝐈𝐒 𝐓𝐈𝐄𝐃 𝐓𝐎 𝐌𝐘 𝐎𝐁𝐄𝐃𝐈𝐄𝐍𝐂𝐄. 🙏🏽

And if sharing my experience helps just ONE person make a more informed decision about their family's financial future, then my testimony has served its purpose.

💬 𝐌𝐢𝐥𝐢𝐭𝐚𝐫𝐲 𝐟𝐚𝐦𝐢𝐥𝐢𝐞𝐬 𝐚𝐧𝐝 𝐯𝐞𝐭𝐞𝐫𝐚𝐧𝐬: 𝐃𝐢𝐝 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 𝐚𝐭 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮𝐫 𝐠𝐫𝐨𝐮𝐩 𝐭𝐞𝐫𝐦 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐝𝐢𝐝𝐧'𝐭 𝐚𝐜𝐜𝐮𝐦𝐮𝐥𝐚𝐭𝐞 𝐜𝐚𝐬𝐡 𝐯𝐚𝐥𝐮𝐞, 𝐨𝐫 𝐰𝐚𝐬 𝐈 𝐭𝐡𝐞 𝐨𝐧𝐥𝐲 𝐨𝐧𝐞? 🤔

10/18/2026

🌊 𝗪𝗘 𝗕𝗥𝗘𝗔𝗞 𝗟𝗜𝗞𝗘 𝗪𝗔𝗩𝗘𝗦, 𝗡𝗢𝗧 𝗚𝗟𝗔𝗦𝗦. 💙

Yesterday, during my travels I came across these pieces of art at the Columbia Metropolitan Airport (CAE) and a couple of the messages really stuck with me.

💭 𝗡𝗢𝗕𝗢𝗗𝗬 𝗜𝗦 𝗖𝗢𝗠𝗜𝗡𝗚 𝗧𝗢 𝗦𝗔𝗩𝗘 𝗬𝗢𝗨. 𝗦𝗧𝗢𝗣 𝗬𝗢𝗨.

I love that. Life has a way of testing us and knocking us off course. We’re waiting for the right time, the right opportunity, or for something outside of us to change before we take that next step. But at some point, we have to be honest with ourselves and ask, Am I waiting on someone else to do what I already know I need to do for myself?

That doesn’t mean we don’t need help. We absolutely do! I believe in community, encouragement, and having people in our corner. But no one else can make our decisions or do our personal growth for us. At some point, we have to choose to take that step.

And then there was the 💎 𝗧𝗔𝗞𝗘 𝗔 𝗧𝗥𝗘𝗔𝗦𝗨𝗥𝗘, 𝗟𝗘𝗔𝗩𝗘 𝗔 𝗧𝗥𝗘𝗔𝗦𝗨𝗥𝗘 💎 exchange!

I thought that was such a sweet idea! 🥹 You never know what little thing might make someone smile or brighten their day.

So, I left a 𝗚𝗔𝗜𝗔 𝗤𝘂𝗶𝗰𝗸 𝗗𝗲𝗳𝗲𝗻𝘀𝗲 𝗴𝘂𝗺𝗺𝘆 as my little treasure! 🌿💚 Nothing big or elaborate, just a small gesture for whoever might come along next.

It made me think about how we move through life. We’re always picking up lessons, encouragement, and wisdom from others. Why not leave a little something good behind, too?

✨ Keep going, even when life gets hard.
✨ Stop getting in your own way.
✨ Take responsibility for the things you can change.
✨ And wherever you go, leave a little kindness behind.

𝗦𝗼𝗺𝗲𝘁𝗶𝗺𝗲𝘀, 𝘁𝗵𝗲 𝗿𝗲𝗺𝗶𝗻𝗱𝗲𝗿𝘀 𝘄𝗲 𝗻𝗲𝗲𝗱 𝗺𝗼𝘀𝘁 𝗮𝗿𝗲 𝗳𝗼𝘂𝗻𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗽𝗹𝗮𝗰𝗲𝘀. 💙

Today, I’m glad I stopped long enough to take these messages in. Sometimes, it’s not about what you take away from an experience, but also what you leave behind.

10/16/2026

⏰ 💗 𝗧-𝟮𝟰 𝗛𝗢𝗨𝗥𝗦, 𝗟𝗔𝗗𝗜𝗘𝗦! 💗 ⏰

☕️ Grab your cup and 𝗕𝗥𝗜𝗡𝗚 𝗬𝗢𝗨𝗥 𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡𝗦 because tomorrow we are going to...

𝗦𝗜𝗣. 🍷
𝗧𝗔𝗟𝗞. 💬
𝗟𝗘𝗔𝗥𝗡. 📚
𝗔𝗡𝗗 𝗚𝗥𝗢𝗪. 💰🌱

Because your financial future deserves more than guesswork. 💗

And fellas...

𝗠𝗜𝗡𝗗. 𝗬𝗢𝗨𝗥. 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦. 😂😂😂

This one is 𝗙𝗢𝗥 𝗧𝗛𝗘 𝗟𝗔𝗗𝗜𝗘𝗦 𝗢𝗡𝗟𝗬. 💅🏽💰💗

Haven't registered yet?

𝗜𝗧'𝗦 𝗡𝗢𝗧 𝗧𝗢𝗢 𝗟𝗔𝗧𝗘! 🙌🏽

Drop a 🍷 in the comments below, and I'll get you taken care of.

𝗦𝗲𝗲 𝘆𝗼𝘂 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝗹𝗮𝗱𝗶𝗲𝘀! ☕️🍷💗💰

10/16/2026

📖🚗 𝗦𝗧𝗢𝗥𝗬 𝗧𝗜𝗠𝗘… 👀

𝗪𝗛𝗔𝗧 𝗜𝗦 𝗔 𝗙𝗜𝗗𝗨𝗖𝗜𝗔𝗥𝗬…𝗔𝗡𝗗 𝗪𝗛𝗬 𝗦𝗛𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗖𝗔𝗥𝗘?

Imagine walking into a car dealership looking for a new vehicle.

You're single.

No children.

You don't haul furniture, tow boats, or transport half the neighborhood to soccer practice. 😂

A nice compact or midsize sedan would meet your needs perfectly.

Affordable payment. Better gas mileage. Lower operating costs.

𝗕𝗨𝗧 𝗛𝗘𝗥𝗘 𝗖𝗢𝗠𝗘𝗦 𝗧𝗛𝗘 𝗦𝗔𝗟𝗘𝗦𝗣𝗘𝗥𝗦𝗢𝗡… 👀

They know the dealership makes more money selling those BIG, BEAUTIFUL SUVs.

So instead of helping you find the car that actually fits your life, they convince you to buy the SUV.

Now technically…

🚙 Does it get you from Point A to Point B? 𝗬𝗘𝗦.

🚙 Is it a vehicle? 𝗬𝗘𝗦.

🚙 Could you drive it every day? 𝗔𝗕𝗦𝗢𝗟𝗨𝗧𝗘𝗟𝗬.

𝗕𝗨𝗧 𝗪𝗔𝗦 𝗜𝗧 𝗧𝗛𝗘 𝗕𝗘𝗦𝗧 𝗖𝗛𝗢𝗜𝗖𝗘 𝗙𝗢𝗥 𝗬𝗢𝗨?

𝗡𝗢𝗧 𝗡𝗘𝗖𝗘𝗦𝗦𝗔𝗥𝗜𝗟𝗬! 😳

You're now paying more for the vehicle, more for gas, and potentially more for insurance and maintenance.

All because somebody else's compensation influenced YOUR decision.

𝗔𝗡𝗗 𝗧𝗛𝗔𝗧, 𝗠𝗬 𝗙𝗥𝗜𝗘𝗡𝗗, 𝗜𝗦 𝗪𝗛𝗬 𝗪𝗘 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗧𝗔𝗟𝗞 𝗔𝗕𝗢𝗨𝗧 𝗙𝗜𝗗𝗨𝗖𝗜𝗔𝗥𝗬 𝗥𝗘𝗦𝗣𝗢𝗡𝗦𝗜𝗕𝗜𝗟𝗜𝗧𝗬. 💰

A fiduciary is someone who has a legal duty to act in another person's best interest within the scope of that fiduciary relationship.

Not simply, "Can I sell you this?"

But…

𝗜𝗦 𝗧𝗛𝗜𝗦 𝗧𝗛𝗘 𝗥𝗜𝗚𝗛𝗧 𝗖𝗛𝗢𝗜𝗖𝗘 𝗙𝗢𝗥 𝗬𝗢𝗨?

And that distinction matters in financial services.

Because just because a financial solution CAN work for you doesn't automatically mean it's the BEST fit for your goals, budget, family, and future.

At 𝗪𝗙𝗚/𝗪𝗦𝗕, the approach 𝗪𝗘 strive to bring to every financial education conversation is simple:

💚 𝗘𝗗𝗨𝗖𝗔𝗧𝗜𝗢𝗡 𝗜𝗦 𝗧𝗛𝗘 𝗙𝗢𝗨𝗡𝗗𝗔𝗧𝗜𝗢𝗡.

💚 𝗧𝗛𝗘 𝗠𝗜𝗦𝗦𝗜𝗢𝗡 𝗠𝗔𝗧𝗧𝗘𝗥𝗦 𝗠𝗢𝗥𝗘 𝗧𝗛𝗔𝗡 𝗧𝗛𝗘 𝗕𝗜𝗚𝗚𝗘𝗦𝗧 𝗖𝗢𝗠𝗠𝗜𝗦𝗦𝗜𝗢𝗡.

Because financial services should be about helping people make informed decisions and find solutions that fit their needs.

And here's something worth remembering: different financial professionals operate under different legal standards, so it's always appropriate to ask what duty applies to the guidance you're receiving.

👀 𝗦𝗢 𝗟𝗘𝗧 𝗠𝗘 𝗔𝗦𝗞 𝗬𝗢𝗨…

When was the last time someone explained 𝗪𝗛𝗬 a financial 𝗦𝗢𝗟𝗨𝗧𝗜𝗢𝗡 was right for you instead of just telling you to buy it?

Drop your thoughts below! 👇🏽

💚 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝘁𝗼𝗱𝗮𝘆. 𝗖𝗵𝗼𝗶𝗰𝗲𝘀 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄. 𝗟𝗲𝗴𝗮𝗰𝘆 𝗳𝗼𝗿𝗲𝘃𝗲𝗿.

10/16/2026

📖 𝗦𝗧𝗢𝗥𝗬 𝗧𝗜𝗠𝗘… 𝗣𝗔𝗥𝗧 𝗜𝗜! 👀💰

𝗥𝗘𝗠𝗘𝗠𝗕𝗘𝗥 𝗔𝗠𝗬?

She's 46. A single parent. And corporate downsizing just eliminated her job.

She's got $𝟮𝟱𝟬,𝟬𝟬𝟬 in her former employer's 401(k) plan.

But here's the problem…

𝗦𝗛𝗘 𝗡𝗘𝗘𝗗𝗦 𝗜𝗡𝗖𝗢𝗠𝗘 𝗡𝗢𝗪…𝗪𝗜𝗧𝗛𝗢𝗨𝗧 𝗗𝗘𝗥𝗔𝗜𝗟𝗜𝗡𝗚 𝗛𝗘𝗥 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧 𝗟𝗔𝗧𝗘𝗥. 😳

So Amy sits down with her friendly Financial Services Professional.

And instead of jumping straight to a product, they talk through her 𝗢𝗣𝗧𝗜𝗢𝗡𝗦.

💰 𝗢𝗣𝗧𝗜𝗢𝗡 𝟭: 𝗧𝗔𝗞𝗘 𝗧𝗛𝗘 𝗖𝗔𝗦𝗛.

Amy could take a lump-sum distribution, 𝗣𝗔𝗬 𝗛𝗘𝗥 𝗧𝗔𝗫𝗘𝗦, and invest what's left to generate income.

Sounds simple, right?

Well…𝗨𝗡𝗖𝗟𝗘 𝗦𝗔𝗠 𝗪𝗔𝗡𝗧𝗦 𝗛𝗜𝗦 𝗖𝗨𝗧! 😂

And at age 46, taxes and a potential early-distribution penalty could take a significant bite out of that $250,000.

🏦 𝗢𝗣𝗧𝗜𝗢𝗡 𝟮: 𝗥𝗢𝗟𝗟 𝗜𝗧 𝗜𝗡𝗧𝗢 𝗔𝗡 𝗜𝗥𝗔.

A properly completed rollover could allow Amy to defer taxes on her eligible retirement funds.

But an IRA comes with rules about distributions, taxes, and access to retirement money before age 59½.

In other words…

𝗧𝗔𝗫-𝗗𝗘𝗙𝗘𝗥𝗥𝗘𝗗 𝗗𝗢𝗘𝗦𝗡'𝗧 𝗠𝗘𝗔𝗡 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘. 👀

⏳ 𝗢𝗣𝗧𝗜𝗢𝗡 𝟯: 𝗣𝗨𝗥𝗖𝗛𝗔𝗦𝗘 𝗔𝗡 𝗜𝗠𝗠𝗘𝗗𝗜𝗔𝗧𝗘 𝗔𝗡𝗡𝗨𝗜𝗧𝗬.

Amy could consider converting some of her retirement money into a stream of income, potentially for life.

But she's only 46.

The amount of lifetime income she could receive may be relatively modest, and certain payout elections are irrevocable.

Once the money is committed to those payments, she may lose access to that principal for other needs.

And as a single parent?

𝗙𝗟𝗘𝗫𝗜𝗕𝗜𝗟𝗜𝗧𝗬 𝗠𝗔𝗧𝗧𝗘𝗥𝗦.

📈 𝗢𝗣𝗧𝗜𝗢𝗡 𝟰: 𝗔 𝗗𝗘𝗙𝗘𝗥𝗥𝗘𝗗 𝗔𝗡𝗡𝗨𝗜𝗧𝗬 𝗪𝗜𝗧𝗛 𝗦𝗬𝗦𝗧𝗘𝗠𝗔𝗧𝗜𝗖 𝗪𝗜𝗧𝗛𝗗𝗥𝗔𝗪𝗔𝗟𝗦.

This strategy could allow Amy to receive supplemental income while keeping much of her retirement money invested for the future.

But there are important details to review, including withdrawal limits, contract charges, taxes, and potential early-distribution penalties.

And because her funds originated in a 401(k), the rollover and withdrawal arrangements matter.

𝗦𝗢 𝗛𝗘𝗥𝗘'𝗦 𝗧𝗛𝗘 𝗕𝗜𝗚 𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡…

Amy needs money today.

But she ALSO needs money for tomorrow.

𝗪𝗛𝗜𝗖𝗛 𝗢𝗣𝗧𝗜𝗢𝗡 𝗪𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗖𝗛𝗢𝗢𝗦𝗘 𝗜𝗙 𝗬𝗢𝗨 𝗪𝗘𝗥𝗘 𝗔𝗠𝗬? 🤔

𝗔 — Take the cash and invest the balance.

𝗕 — Roll the funds into an IRA.

𝗖 — Purchase an immediate annuity.

𝗗 — Explore a deferred annuity with systematic withdrawals.

Drop 𝗔, 𝗕, 𝗖, or 𝗗 below and tell me WHY! 👇🏽

Because the goal isn't simply to have money.

𝗜𝗧'𝗦 𝗧𝗢 𝗞𝗡𝗢𝗪 𝗪𝗛𝗔𝗧 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬 𝗡𝗘𝗘𝗗𝗦 𝗧𝗢 𝗗𝗢.

🏡 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗛𝗢𝗨𝗦𝗘: #𝟰 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚

💚 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝘁𝗼𝗱𝗮𝘆. 𝗖𝗵𝗼𝗶𝗰𝗲𝘀 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄. 𝗟𝗲𝗴𝗮𝗰𝘆 𝗳𝗼𝗿𝗲𝘃𝗲𝗿.

10/15/2026

✨ 𝗪𝗛𝗔𝗧 𝗜𝗙 𝗢𝗡𝗘 𝗖𝗢𝗡𝗩𝗘𝗥𝗦𝗔𝗧𝗜𝗢𝗡 𝗢𝗣𝗘𝗡𝗘𝗗 𝗧𝗛𝗘 𝗗𝗢𝗢𝗥 𝗧𝗢 𝗡𝗘𝗪 𝗣𝗢𝗦𝗦𝗜𝗕𝗜𝗟𝗜𝗧𝗜𝗘𝗦? 👀💚

Well… we're opening the doors to the Penthouse, and 𝗬𝗢𝗨'𝗥𝗘 𝗜𝗡𝗩𝗜𝗧𝗘𝗗! ✨

Join us for 𝗣𝗼𝘀𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝗶𝗲𝘀 𝗮𝘁 𝘁𝗵𝗲 𝗣𝗲𝗻𝘁𝗵𝗼𝘂𝘀𝗲 𝗣𝗮𝗿𝘁𝘆!

We're bringing people together for meaningful connections, practical financial education, and a chance to discover what ThriveWell Financial Education Center is all about.

✨ 𝗖𝗼𝗺𝗲 𝗺𝗲𝗲𝘁 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲.
✨ 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝗽𝘂𝗿𝗽𝗼𝘀𝗲.
✨ 𝗘𝘅𝗽𝗹𝗼𝗿𝗲 𝘄𝗵𝗮𝘁'𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 𝗳𝗼𝗿 𝗬𝗢𝗨!

And yes, there will be refreshments, door prizes, and a special guest, 𝗥𝗮𝗰𝗾𝘂𝗲𝗹 𝗦𝗹𝗮𝘄𝗶𝗻𝘀𝗸𝗶! 🎉

📅 𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆, 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟵, 𝟮𝟬𝟮𝟲
⏰ 𝟭𝟭:𝟬𝟬 𝗔𝗠 – 𝟭:𝟬𝟬 𝗣𝗠
📍 1901 Main Street, 18th Floor | Columbia, SC

🎟️ 𝗔𝗱𝗺𝗶𝘀𝘀𝗶𝗼𝗻 𝗶𝘀 𝗙𝗥𝗘𝗘, 𝗯𝘂𝘁 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱.

👉 Save your seat:
https://www.eventbrite.com/e/2003094969977?aff=oddtdtcreator

𝗕𝘂𝗶𝗹𝗱 𝘆𝗼𝘂𝗿 𝘄𝗲𝗮𝗹𝘁𝗵. 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲. 𝗚𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝗹𝗲𝗴𝗮𝗰𝘆. 💚

10/15/2026

💚 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘: 𝗜𝘁'𝘀 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗹𝗶𝗳𝗲! 🛡️

Do you know what your coverage actually protects, how it works, and whether it still fits your season of life? 👀

Join us for our 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗥𝗢𝗗𝗨𝗖𝗧 𝗛𝗜𝗚𝗛𝗟𝗜𝗚𝗛𝗧 𝗪𝗢𝗥𝗞𝗦𝗛𝗢𝗣!

📅 𝗧𝗵𝘂𝗿𝘀𝗱𝗮𝘆, 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟱, 𝟮𝟬𝟮𝟲
🕗 𝟴:𝟬𝟬 𝗣𝗠 𝗘𝗧

𝗛𝗮𝘃𝗲𝗻'𝘁 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱 𝘆𝗲𝘁? 𝗧𝗵𝗲𝗿𝗲'𝘀 𝘀𝘁𝗶𝗹𝗹 𝘁𝗶𝗺𝗲!

📲 𝗧𝗲𝘅𝘁 𝗟𝗜𝗙𝗘 𝘁𝗼 𝟴𝟬𝟯-𝟴𝟱𝟬-𝟰𝟵𝟰𝟵 and I'll send you the details!

💚 𝗟𝗼𝘃𝗲 𝘁𝗼𝗱𝗮𝘆. 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄.

10/15/2026

📖 𝗦𝗧𝗢𝗥𝗬 𝗧𝗜𝗠𝗘… 👀💰

𝗜𝗠𝗔𝗚𝗜𝗡𝗘 𝗟𝗢𝗦𝗜𝗡𝗚 𝗬𝗢𝗨𝗥 𝗝𝗢𝗕…𝗔𝗡𝗗 𝗦𝗨𝗗𝗗𝗘𝗡𝗟𝗬 𝗛𝗔𝗩𝗜𝗡𝗚 $𝟮𝟱𝟬,𝟬𝟬𝟬 𝗜𝗡 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧 𝗠𝗢𝗡𝗘𝗬 𝗧𝗢 𝗠𝗔𝗞𝗘 𝗗𝗘𝗖𝗜𝗦𝗜𝗢𝗡𝗦 𝗔𝗕𝗢𝗨𝗧! 😳

Meet Amy. 👋🏽

Amy is 46 years old, a single parent, and a middle manager who's worked hard to build her career.

Then one day…

𝗖𝗢𝗥𝗣𝗢𝗥𝗔𝗧𝗘 𝗗𝗢𝗪𝗡𝗦𝗜𝗭𝗜𝗡𝗚. 📉

And just like that, Amy loses her job.

No warning that makes it easier.

No paycheck coming in.

And bills that apparently DIDN'T get the memo! 👀😂

Now here's where things get interesting.

Amy has a 𝟰𝟬𝟭(𝗸) retirement account worth 𝗮𝗽𝗽𝗿𝗼𝘅𝗶𝗺𝗮𝘁𝗲𝗹𝘆 $𝟮𝟱𝟬,𝟬𝟬𝟬, available to her as a lump-sum distribution.

That's a significant amount of money.

But there's a problem.

𝗧𝗛𝗔𝗧 𝗠𝗢𝗡𝗘𝗬 𝗪𝗔𝗦 𝗦𝗨𝗣𝗣𝗢𝗦𝗘𝗗 𝗧𝗢 𝗛𝗘𝗟𝗣 𝗙𝗨𝗡𝗗 𝗛𝗘𝗥 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧.

Not necessarily her next six months of groceries, mortgage payments, and everyday expenses.

Amy is confident she'll find another job.

But she also knows something else…

𝗛𝗘𝗥 𝗡𝗘𝗫𝗧 𝗝𝗢𝗕 𝗠𝗔𝗬 𝗣𝗔𝗬 𝗟𝗘𝗦𝗦. 💰

Which means even when she gets back to work, she may still have an income gap.

And as a single parent?

She doesn't have the luxury of pretending the bills will wait.

So now Amy is facing TWO financial challenges:

💰 𝗛𝗢𝗪 𝗗𝗢 𝗜 𝗖𝗥𝗘𝗔𝗧𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝗥𝗜𝗚𝗛𝗧 𝗡𝗢𝗪?

🏡 𝗛𝗢𝗪 𝗗𝗢 𝗜 𝗔𝗩𝗢𝗜𝗗 𝗝𝗘𝗢𝗣𝗔𝗥𝗗𝗜𝗭𝗜𝗡𝗚 𝗠𝗬 𝗙𝗨𝗧𝗨𝗥𝗘 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧?

Because having $250,000 in a retirement account doesn't automatically mean she has $250,000 available to spend without tax consequences.

And at age 46, that distinction REALLY matters. 👀

So Amy picks up the phone and calls her friendly 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗦𝗘𝗥𝗩𝗜𝗖𝗘𝗦 𝗣𝗥𝗢𝗙𝗘𝗦𝗦𝗜𝗢𝗡𝗔𝗟.

And she asks one very important question…

𝗪𝗛𝗔𝗧 𝗔𝗥𝗘 𝗠𝗬 𝗢𝗣𝗧𝗜𝗢𝗡𝗦? 🤔

Now I'm curious…

𝗜𝗳 𝘆𝗼𝘂 𝘄𝗲𝗿𝗲 𝗔𝗺𝘆, 𝘄𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝗯𝗲 𝘆𝗼𝘂𝗿 𝗙𝗜𝗥𝗦𝗧 𝗺𝗼𝘃𝗲?

Tell me below! 👇🏽

And come back at tomorrow morning for 𝗣𝗔𝗥𝗧 𝗜𝗜, when we explore Amy's options.

🏡 𝗧𝗛𝗘 𝗣𝗜𝗟𝗟𝗔𝗥𝗦 𝗢𝗙 𝗔 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗛𝗢𝗨𝗦𝗘: #𝟰 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚

10/14/2026

⛪📖 𝗦𝗧𝗢𝗥𝗬 𝗧𝗜𝗠𝗘… 𝗣𝗔𝗥𝗧 𝗜𝗜! 👀💰

𝗥𝗘𝗠𝗘𝗠𝗕𝗘𝗥 𝗣𝗔𝗦𝗧𝗢𝗥 𝗝𝗔𝗠𝗘𝗦?

This morning, we met a pastor who spent more than 30 years pouring into everyone else.

Preaching. Teaching. Counseling. Visiting hospitals. Comforting families. Serving his community.

And now?

He's preparing for retirement.

But one question has been keeping him up at night…

𝗪𝗛𝗘𝗥𝗘 𝗪𝗜𝗟𝗟 𝗠𝗬 𝗠𝗢𝗡𝗧𝗛𝗟𝗬 𝗜𝗡𝗖𝗢𝗠𝗘 𝗖𝗢𝗠𝗘 𝗙𝗥𝗢𝗠 𝗪𝗛𝗘𝗡 𝗧𝗛𝗘 𝗠𝗜𝗡𝗜𝗦𝗧𝗥𝗬 𝗣𝗔𝗬𝗖𝗛𝗘𝗖𝗞 𝗦𝗧𝗢𝗣𝗦? 👀

Well, Pastor James decided it was time to have a different kind of stewardship conversation.

Not about the church budget.

Not about the building fund.

Not about the next ministry project.

𝗔𝗕𝗢𝗨𝗧 𝗛𝗜𝗦 𝗢𝗪𝗡 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗙𝗨𝗧𝗨𝗥𝗘. 💚

So he sat down with a licensed financial professional to review his retirement income needs, savings, and available options.

And one of the strategies they discussed?

🥁🥁🥁

𝗔 𝗦𝗜𝗡𝗚𝗟𝗘 𝗣𝗥𝗘𝗠𝗜𝗨𝗠 𝗜𝗠𝗠𝗘𝗗𝗜𝗔𝗧𝗘 𝗔𝗡𝗡𝗨𝗜𝗧𝗬! 💰

Now, before somebody says, "An annu-WHAT?" 😂

Let me explain.

An immediate annuity is a contract with an insurance company that can turn a lump sum of money into a stream of income.

With a lifetime payout option, those payments can continue for as long as the person lives, subject to the insurance company's claims-paying ability.

𝗜𝗡 𝗢𝗧𝗛𝗘𝗥 𝗪𝗢𝗥𝗗𝗦…

Pastor James could potentially use 𝗣𝗔𝗥𝗧 of his accumulated retirement assets to help create a monthly income stream after his ministry paycheck stops.

Not necessarily ALL his savings.

Not without reviewing his other income sources.

And certainly not without understanding the contract terms.

Because healthcare costs, emergencies, inflation, and family needs still matter.

𝗧𝗛𝗘 𝗚𝗢𝗔𝗟 𝗜𝗦𝗡'𝗧 𝗝𝗨𝗦𝗧 𝗧𝗢 𝗥𝗘𝗧𝗜𝗥𝗘 𝗙𝗥𝗢𝗠 𝗠𝗜𝗡𝗜𝗦𝗧𝗥𝗬.

𝗜𝗧'𝗦 𝗧𝗢 𝗛𝗔𝗩𝗘 𝗔 𝗣𝗟𝗔𝗡 𝗙𝗢𝗥 𝗟𝗜𝗙𝗘 𝗔𝗙𝗧𝗘𝗥 𝗧𝗛𝗘 𝗣𝗨𝗟𝗣𝗜𝗧. ⛪

Now, does every pastor need an annuity?

𝗔𝗕𝗦𝗢𝗟𝗨𝗧𝗘𝗟𝗬 𝗡𝗢𝗧.

Annuities have different payout options, costs, limitations, and liquidity considerations. The right decision depends on the pastor's complete financial picture.

But here's what I want our pastors and ministry leaders to understand:

𝗬𝗢𝗨 𝗖𝗔𝗡 𝗕𝗘 𝗙𝗔𝗜𝗧𝗛𝗙𝗨𝗟 𝗧𝗢 𝗬𝗢𝗨𝗥 𝗖𝗔𝗟𝗟𝗜𝗡𝗚 𝗔𝗡𝗗 𝗜𝗡𝗧𝗘𝗡𝗧𝗜𝗢𝗡𝗔𝗟 𝗔𝗕𝗢𝗨𝗧 𝗬𝗢𝗨𝗥 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗙𝗨𝗧𝗨𝗥𝗘.

Those two things are not in competition.

They're both part of stewardship. 🙏🏽

And Pastor, after spending decades helping others prepare for life's challenges…

𝗬𝗢𝗨 𝗗𝗘𝗦𝗘𝗥𝗩𝗘 𝗧𝗢 𝗛𝗔𝗩𝗘 𝗔 𝗣𝗟𝗔𝗡 𝗧𝗢𝗢.

That's what I call preparing your 𝗚𝗼𝗙𝘂𝗻𝗱𝗬𝗢𝗨 before you ever need a 𝗚𝗼𝗙𝘂𝗻𝗱𝗠𝗲. 👀💰

⛪ 𝗣𝗮𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝘆 𝗹𝗲𝗮𝗱𝗲𝗿𝘀:

Have you calculated how much monthly income you'll need when you retire?

If not, message me 𝗠𝗬 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧 to start a private Financial Review conversation.

💚 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗪𝗘𝗟𝗟𝗡𝗘𝗦𝗦 𝗪𝗘𝗗𝗡𝗘𝗦𝗗𝗔𝗬
⛪ 𝗣𝗔𝗦𝗧𝗢𝗥 𝗔𝗣𝗣𝗥𝗘𝗖𝗜𝗔𝗧𝗜𝗢𝗡 𝗠𝗢𝗡𝗧𝗛
🏡 𝗣𝗜𝗟𝗟𝗔𝗥 #𝟰: 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚

10/14/2026

⛪📖 𝗦𝗧𝗢𝗥𝗬 𝗧𝗜𝗠𝗘… 𝗣𝗔𝗦𝗧𝗢𝗥 𝗔𝗣𝗣𝗥𝗘𝗖𝗜𝗔𝗧𝗜𝗢𝗡 𝗘𝗗𝗜𝗧𝗜𝗢𝗡! 💚

𝗣𝗮𝘀𝘁𝗼𝗿, 𝘆𝗼𝘂'𝘃𝗲 𝘀𝗽𝗲𝗻𝘁 𝘆𝗲𝗮𝗿𝘀 𝗽𝗼𝘂𝗿𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗲𝗹𝘀𝗲. 𝗕𝘂𝘁 𝘄𝗵𝗼'𝘀 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗬𝗢𝗨? 👀

Meet Pastor James.

For more than 30 years, he's faithfully served his congregation.

He's officiated weddings, comforted grieving families, visited hospitals, counseled marriages, preached sermons, and answered calls when everyone else was asleep.

And he's done it with a servant's heart. 🙏🏽

Now Pastor James is beginning to think about retirement.

The church has been a blessing.

The congregation loves him.

And he's grateful for every year of ministry.

𝗕𝗨𝗧 𝗧𝗛𝗘𝗥𝗘'𝗦 𝗢𝗡𝗘 𝗤𝗨𝗘𝗦𝗧𝗜𝗢𝗡 𝗛𝗘 𝗛𝗔𝗦𝗡'𝗧 𝗙𝗨𝗟𝗟𝗬 𝗔𝗡𝗦𝗪𝗘𝗥𝗘𝗗…

💰 𝗪𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗺𝘆 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗼𝗺𝗲 𝗳𝗿𝗼𝗺 𝘄𝗵𝗲𝗻 𝗜 𝘀𝘁𝗼𝗽 𝗿𝗲𝗰𝗲𝗶𝘃𝗶𝗻𝗴 𝗮 𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝘆 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸?

He has some savings.

He may have Social Security benefits, depending on his coverage and contribution history.

And he's accumulated money in a retirement account.

But none of that automatically tells him how much dependable monthly income he'll have.

And here's the part that keeps him thinking…

The mortgage or rent won't disappear.

Groceries won't disappear.

Healthcare expenses won't disappear.

And the electric company isn't going to say, "Oh, you're retired from ministry? Don't worry about that bill!" 😂

𝗙𝗔𝗜𝗧𝗛𝗙𝗨𝗟 𝗦𝗘𝗥𝗩𝗜𝗖𝗘 𝗗𝗢𝗘𝗦𝗡'𝗧 𝗘𝗟𝗜𝗠𝗜𝗡𝗔𝗧𝗘 𝗧𝗛𝗘 𝗡𝗘𝗘𝗗 𝗙𝗢𝗥 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗣𝗟𝗔𝗡𝗡𝗜𝗡𝗚.

And stewardship doesn't stop when ministry employment ends.

So Pastor James sits down with a licensed financial professional to explore his options.

𝗛𝗼𝘄 𝗰𝗮𝗻 𝗵𝗲 𝘁𝘂𝗿𝗻 𝘀𝗼𝗺𝗲 𝗼𝗳 𝘄𝗵𝗮𝘁 𝗵𝗲'𝘀 𝗮𝗰𝗰𝘂𝗺𝘂𝗹𝗮𝘁𝗲𝗱 𝗶𝗻𝘁𝗼 𝗮 𝗿𝗲𝗴𝘂𝗹𝗮𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗿𝗲𝗮𝗺?

👀 𝗣𝗮𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝘆 𝗹𝗲𝗮𝗱𝗲𝗿𝘀, 𝗵𝗮𝘃𝗲 𝘆𝗼𝘂 𝗵𝗮𝗱 𝗧𝗛𝗜𝗦 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻?

Come back for Part II. We're going to talk about one financial tool that may help address this challenge.

⛪ 𝗣𝗔𝗦𝗧𝗢𝗥 𝗔𝗣𝗣𝗥𝗘𝗖𝗜𝗔𝗧𝗜𝗢𝗡 𝗠𝗢𝗡𝗧𝗛
🏡 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗛𝗢𝗨𝗦𝗘: #𝟰 𝗜𝗡𝗩𝗘𝗦𝗧𝗜𝗡𝗚

ThriveWell Financial Education Center

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