Charlene Zielin - Thrivent

10/30/2026

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/4fIaSQk

See thrivent.com/social for important disclosures.

10/29/2026

You've worked hard to build your retirement savings—now help them work smarter for you. Retirement may last longer than you think, so the choices you make today can help you prepare for what’s next.

Explore strategies that can help turn your savings into reliable income and help you feel more confident in the years ahead. ⬇️

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

10/28/2026

The choices you make during open enrollment can have a big impact on your financial goals for 2027 and beyond. Discover how to navigate open enrollment with confidence: http://bit.ly/4o0ESIt

10/27/2026

Feel like financial responsibilities are pulling you in different directions? A financial plan can help you connect the dots between where you are, where you want to go and what matters most along the way.

Taking the time to create a financial plan offers a roadmap for reaching your financial goals—emotional and financial. Learn how a financial plan helps organize income, savings, investments and insurance to balance your priorities for the future.

10/26/2026

Sometimes the Diagnosis Is Yours

For nearly 30 years, I was a nurse.

I was the person sitting beside patients and families during some of the hardest days of their lives. I explained procedures, answered questions, offered reassurance, and encouraged people to keep moving forward one day at a time.

Then one day, I found myself on the other side.

The patient.

Hearing the words "you have breast cancer" changes something in you.

Suddenly, life gets very clear.

The things you thought could wait don't seem as important anymore. The people you love become even more precious. You realize just how much we take for granted when we assume we have unlimited time.

Breast cancer taught me many things, but perhaps the biggest lesson was this:

None of us know what tomorrow holds.

Not a nurse. Not a financial advisor. Not anyone.

What we do have is today.

Today to schedule the screening.

Today to tell someone you love them.

Today to take care of your health.

Today to put plans in place that protect the people you care about most.

As a financial advisor, I often talk about being prepared for life's unexpected moments. Those conversations aren't just professional for me. They're personal.

Because I've lived through one of those unexpected moments.

I know what it's like to worry about family, work, finances, and the future while trying to focus on healing.

I also know the incredible strength that comes from having people around you who support you during difficult seasons.

This Breast Cancer Awareness Month, my heart is with every woman currently facing treatment, every survivor celebrating another year, every family member supporting a loved one, and every person anxiously waiting for answers.

You are not alone.

And if there's one thing I'd encourage everyone reading this to do, it's this:

Don't put off the things that matter.

Schedule the appointment.

Have the conversation.

Take the trip.

Make the plan.

Life is a gift, and none of us know how much of it we've been given.

💗 If you're a survivor, I'd love to hear what lesson your journey taught you.

See thrivent.com/social for important disclosures.

10/24/2026

Higher rates. Resilient growth. New opportunities. Thrivent's Q4 2026 Market Outlook highlights why staying invested and maintaining a diversified portfolio remains important in today’s market environment. ⬇️

Resilient growth, higher rates, energy-driven inflation and the AI investment boom are shaping the market outlook.

10/23/2026

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.

10/22/2026

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.

10/21/2026

Rapid advances in AI and semiconductor chips could reshape markets in the months ahead. Add an unsettled geopolitical landscape, and more surprises may be on the horizon. Learn what Thrivent Chief Investment Strategist Steve Lowe is watching: https://bit.ly/4eh5DWv

10/20/2026

This past month, I traveled to Arizona to help my mom do something we'd been putting off for a year: inventory my dad's estate.

A year after losing him, it was finally time to go through his belongings, make decisions, and create a plan for what comes next.

My dad was a man of many hobbies. His garage was filled with tools, equipment, collections, and projects. To him, each item had a purpose, a story, and a memory attached to it.

To my mom, it was overwhelming.

She knew these things had value, but she didn't know what they were worth, who would want them, or what to do with them. Together, we spent days sorting, documenting, valuing, and making difficult decisions.

What struck me most was that this process wasn't really about stuff.

It was about grief.

It was about letting go.

It was about helping my mom gain clarity and confidence in her financial future.

As a financial advisor, I have conversations every day about retirement, investments, insurance, and legacy planning. But sitting on the other side of the table reminded me why these conversations matter so much.

None of us likes to think about death. We assume there's more time. We put off the hard conversations and avoid making decisions that feel uncomfortable.

But when a loved one passes away, the lack of a plan doesn't make the grief easier. It often adds stress, confusion, and unnecessary burdens to those already carrying a heavy emotional load.

One of the greatest gifts you can leave your family isn't just financial assets.

It's organization.

It's documentation.

It's making your wishes known.

It's creating a roadmap so your loved ones know where things are, what matters most, and what steps to take when you're no longer here.

My time in Arizona was hard, emotional, and surprisingly therapeutic. It was a reminder that financial planning isn't just about money.

It's about the people we love.

If you've been putting off conversations about your estate, beneficiary designations, wills, powers of attorney, or simply helping your family understand what you own and where it is, consider this your sign to start.

Your future self, and your family, will thank you.

❤️ Have you had to help settle a loved one's estate? What was one lesson you learned from the experience?

See thrivent.com/social for important disclosures.