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Daniel Voss

Daniel Voss

This article was prepared by Thrivent Financial for use by representative Dan Voss. He has offices at 4321 N Ballard Road in Appleton and can also be reached at [email protected] or 920-628-5500.

Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. For additional important information, visit If requested, a Thrivent Financial representative may contact you and financial solutions, including insurance, may be solicited.

Guarantees are backed by the financial strength and claims paying ability of Thrivent Financial for Lutherans.

About Thrivent Financial

Thrivent Financial is a financial services organization that helps Christians be wise with money and live generously. As a membership organization, it offers its more than 2.3 million member-owners a broad range of products, services and guidance from financial representatives nationwide. For more than a century it has helped members make wise money choices that reflect their values while providing them opportunities to demonstrate their generosity where they live, work and worship. For more information, visit You can also find us on Facebook and Twitter.

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For most of us, checkups are a regular part of life. Dental visits, auto maintenance appointments and even glances in the bathroom mirror all help us monitor performance, catch potential problems and assure us that all is — or will be — well.

What’s true of teeth, engines and grooming is also true of finances: regular checkups are recommended. Why? Changes both great and small affect the strategies people have developed to help achieve their financial goals. Unfortunately, too many people act as though once their financial program is in place their work is done. But this isn’t the case.

As a general rule, it is recommended you review your financial program at least once each year. Certain life changes — the birth or adoption of a child, a change in marital status (married, divorced or widowed), the death of a family member or changes to your health — should serve as reminders that a financial tuneup is in order.

Other changes in personal economics can also have a huge impact on financial programs. These may include shifts in employment status or salary (e.g. loss of job or a pay cut/freeze), home ownership changes, significant changes in total assets or debt, the receipt of an inheritance and tax law changes that can all make previous strategies obsolete.

If you have a do-it-yourself mentality, a number of print and electronic resources exist to help you monitor your finances on a regular basis. However, most can benefit from the knowledge, experience and insight that financial services professionals can offer.

Qualified financial professionals can help people evaluate their present financial strategies and stay current on new laws, regulations, products and economic developments. Even more important, financial professionals can challenge the unrealistic assumptions that people may have and help them overcome money management’s greatest threat: procrastination.

To live is to experience change. How and when change will appear is impossible to predict, but a financial checkup is one sure way to help your financial objectives — and your sense of financial confidence — keep pace with all that occurs. 

Wednesday, 31 January 2018 19:40

Life insurance 101: What you need to know

Life insurance; everyone says it’s important but it can be a difficult topic to talk about and even more difficult to understand. However, it is a critical topic to grasp because of its importance when building a financial strategy.

Eight in ten adults say their family is most important in their lives, but just a little over half (55 percent) have life insurance to protect them in the event of an unexpected death. Another fact? 54 percent of Americans would have trouble paying living expenses immediately or within several months if the primary wage-earner died.

Life insurance is a cornerstone of a sound financial strategy. It can help provide for the people and organizations you care about. Choosing the right life insurance solution makes a difference in the future of your loved ones, and gives you a sense of reassurance knowing they’ll be taken care of. Here’s a quick primer on some of the most common types of life insurance.

Types of life insurance

Term life insurance – Temporary life insurance that offers simply a death benefit and is generally less expensive than permanent insurance. It’s ideal for short-term life insurance needs, like when you are raising a family, paying off a mortgage or starting a business.

Whole life insurance – Permanent life insurance that gives you a guaranteed death benefit, guaranteed level premiums and guaranteed cash value that increases each year. The guarantees are contingent on all premiums being paid and no loans or changes being made to the contract.

Blended life insurance – Permanent life insurance with added flexibility. It lets you “dial in” your premium to the level of whole life and term insurance desired. Offers lifetime protection through a blend of whole life insurance plus term insurance and paid-up additional coverage.

Universal life insurance – Permanent life insurance that allows you to increase or decrease your death benefit and your premium is flexible; subject to any limitations in the contract. Accumulated value in a universal life contract earns interest at a current rate, with a minimum rate stated in the contract.

Variable universal life insurance – Permanent life insurance that gives you a flexible premium and the potential to build accumulated value. However, death benefits and other values may vary, because you direct how the cash is invested among the investment portfolios offered. Do remember that the investment performance has no guarantees and could lose money and remember to review the prospectus offerings of any investment decisions you make.

Life insurance is an important tool to consider on your journey to being wise with money. Many of the people we talk to want to prepare for the future, protect the people they love and live a more generous and fulfilling life. It’s important to have a trusted guide on your wise with money journey so consider talking with a financial representative. 

Reference: LIMRA 2017 Insurance Barometer Study.

Thursday, 28 September 2017 02:15

So you’re saving for retirement — Now what?

Saving is the first step. Next is to decide how to protect your savings and make them last.

When discussing retirement, there are dozens of questions you can ask yourself. Do you want immediate access to your money or do you want guaranteed income over your lifetime? Keep in mind guarantees are based on the financial strength and claims paying ability of the issuing insurance company. Are you concerned how long your retirement savings are going to last you? Do you want to harness the market to potentially grow your retirement assets or would you want to be more conservative?

Working through these questions with a financial professional is the first step to building a confident retirement. There are no right or wrong answers to the questions, it’s about finding a strategy that works for you and your loved ones so you can build the retirement you’ve dreamt about.

Having a solid framework for creating and protecting your income in retirement is one of the keys to your success.

There are three main things you should consider when creating a retirement income strategy:

  1. Growth — Think about your ability to potentially grow assets to help protect against inflation, a key issue when saving for long-term needs. You should also consider strategies to replenish income sources by periodically harvesting assets when market conditions are appropriate.
  2. Guarantees — Consider a strategy with a guaranteed income stream. This will help cover essential expenses that you would have a hard time adjusting or reducing.
  3. Near term — Have a pool of money for immediate enjoyment and expenses. This can be used to cover discretionary expenses with a buffer of accessible funds. This is where your “fun money” can come from including travel, entertainment, hobbies and gifts.

Finding the right balance for your risk tolerance and lifestyle choices is essential. The asset mix you choose as you allocate your retirement assets can be completely customized to your specifications. Whether you want the protection of guaranteed income or whether you’re looking to grow assets aggressively, finding the right allocation for you is most important.

Retirement assets are an important part of a healthy financial strategy. Make sure you think about how you will spend the money you worked so hard to save. 


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