Melanie Morat - Thrivent

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Melanie Morat - Thrivent Melanie Morat, CFP®, CLTC®, BFA™

CFP Board owns the mark CFP® in the U.S.

Thrivent Financial Professionals may only conduct business with residents of the states and/or jurisdictions in which they are licensed. For licensing and practice information click the website link in the additional contact information section above. For Thrivent privacy policy, social media guidelines, and important disclosure information visit Thrivent.com/privacyandsocial.

Is it time to start taking your required minimum distributions? Reach out to learn more about RMDs and how they may impa...
10/15/2026

Is it time to start taking your required minimum distributions? Reach out to learn more about RMDs and how they may impact your retirement goals.

See thrivent.com/social for important disclosures.

Mark your calendar for Melanie’s Client Appreciation Event! Sunday, November 1st2-5pm Out of Bounds BreweryWe’d love to ...
10/14/2026

Mark your calendar for Melanie’s Client Appreciation Event!

Sunday, November 1st
2-5pm
Out of Bounds Brewery

We’d love to have you!

Join us for a fun, family-friendly event at Out of Bounds Brewery & Biergarten!

Enjoy catered food, bocce ball on the outdoor
patio, co****le, giant Jenga, cozy fire pits, and great company. This will be a relaxed afternoon to connect, spend time together, and enjoy our wonderful community.

Most importantly, this event is our way of saying thank you. We are grateful for your loyalty, support, and partnership, and we look forward to celebrating with you and your family.

We hope you’ll join us for an enjoyable time
together. Thank you for being such valued clients!

RSVP to [email protected] to reserve your spot today!

Open enrollment is your opportunity to make choices that will protect and support your family throughout the year. Take ...
10/13/2026

Open enrollment is your opportunity to make choices that will protect and support your family throughout the year. Take a look at this helpful guide before you get started. Let’s connect if you want to discuss which options are the right fit for your family’s needs.

Master your benefits choices with our open enrollment tips designed to provide best practices and streamline the process.

If giving is important to you, consider a strategy that maximizes your charitable impact.
10/08/2026

If giving is important to you, consider a strategy that maximizes your charitable impact.

Learn how to make the most of your charitable donations with strategies that align your giving goals with financial planning while maximizing tax benefits.

A Multi-Year Guarantee Annuity™ allows you to lock in a guaranteed interest rate for a set period, making it a popular o...
10/06/2026

A Multi-Year Guarantee Annuity™ allows you to lock in a guaranteed interest rate for a set period, making it a popular option for those looking to help add stability, predictable earnings, and reduced market uncertainty.

Reach out if you'd like to discuss whether this type of solution could help support your retirement goals.

For additional interest rates and other important information: https://bit.ly/4qauUq7

See thrivent.com/social for important disclosures.

We had so much fun at the Walk With Austin 6th Annual TRY-athlon! We loved cheering on the athletes, seeing so many frie...
10/06/2026

We had so much fun at the Walk With Austin 6th Annual TRY-athlon! We loved cheering on the athletes, seeing so many friendly faces and meeting new families in this community! 🥇

My kids were able to join me this year to volunteer and my son demonstrating a Thrivent Action Team - teaching his love of finger-boarding at his “skate park” booth and giving away Tech Deck skateboards to the kids sharing that finger skating boarding fun is for everyone! 🛹

One of the things I value most about Thrivent is our unique not-for-profit membership structure, which empowers our clients to support and give back to causes they care about. ❤️

Can you claim early Social Security benefits? Reach out to learn more about taking Social Security benefits at age 62. T...
09/29/2026

Can you claim early Social Security benefits? Reach out to learn more about taking Social Security benefits at age 62.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. See thrivent.com/social for important disclosures.

Does it feel like every financial goal is competing for the same dollars? This guide offers 7 ways to prioritize your mo...
09/24/2026

Does it feel like every financial goal is competing for the same dollars? This guide offers 7 ways to prioritize your money and make progress toward what matters most. ⬇️

Let’s talk about what’s competing for your attention and how we can build a financial plan to address it.

For Millennials in particular, learning how to set financial goals can help reduce stress and make dreams like a first home or saving for retirement possible.

Income, taxes, Social Security and withdrawal decisions all play a role in retirement. Understanding how these factors c...
09/22/2026

Income, taxes, Social Security and withdrawal decisions all play a role in retirement. Understanding how these factors connect can help you feel more confident about what you can spend—and how long your money may last.

Before required minimum distributions begin, discover how your savings can turn into income to help you make the most of what you've worked hard to build. ⬇️

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

Address

101 Parkshore Drive, Suite 100
Folsom, CA
95630

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