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Ryan Spleet - Thrivent

Name: Ryan Spleet - Thrivent
Address: 726 W C Street, Newton, NC, 28658, US
Telephone: +18284653222

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Ryan Spleet - Thrivent

Thanks for joining me on Facebook! I hope you join the conversation. As always, contact me directly if you have specific financial questions.

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.

07/09/2024

Happy Birthday to my pretty lady!

06/27/2024

Retirement is here! Time to take it easy! Which is very nice and exciting for the first week or so after living your whole life by a schedule. But what about all the things you wished you could do, but were too busy with your career or taking care of a family? And I’m not just talking about knitting or bird watching. But a real adventure. If sitting in a rocking chair watching the world go by isn’t your style, here are some suggestions for making the most out of your new-found freedom:

Go back to school. Something that would make a child groan could be an exciting prospect for an adult that doesn’t need to worry about the practical side of education anymore. Was your higher education based solely around your planned career? Or maybe you had to skip it entirely to go straight into the workforce? This is your time to learn about astronomy, take that writing course, or dive deep into philosophy. There are many cost-efficient options offered through community colleges or even local libraries.

Get active. If your health allows, try a new activity. Martial arts, dancing, or even a hike to find a geocache. What might be considered “out of the norm” activities for the average person are all available for you to explore.

Be involved in your community. This can take the form of volunteering, which is a great way to give back. But also consider exploring local community events. Get involved with local politics. Start a blog to review local attractions and businesses. Or if science is your interest, consider signing up to be a Citizen Scientist.

Get silly. You have the experience of knowing that laughing – even at yourself – has incredible benefits. Don’t be afraid to explore that! Have you ever tried LARPing (Live Action Role Playing)? Perhaps it’s time to try your hand at being an amateur magician. Or join an improv group. Don’t limit yourself to who you think you are – explore a whole new side to yourself!

06/11/2024

Technology can be scary. I know. But it can also be amazing. To that end,
various tech tools are available that can help make life easier and more enjoyable in retirement. Here are some examples that I feel everyone should be aware of.

Personal finance apps - there are many personal finance apps available that can help retirees manage their everyday finances, track expenses, and create budgets. These apps can help remove the stress of remembering which bill is due on which date by helping you set up auto-pay or sending you reminders. Some apps will even tell you about subscriptions you have that you aren’t using, and help you cancel them!

Health and fitness apps - there are a variety of health and fitness apps that can help retirees stay active and healthy. For some, this is a great way to stay connected and plugged into a network of like-minded people that you can get to know, and motivate each other on your health journey.

Online learning platforms – one of the most important “muscle’s” to exercise in retirement is your brain. Online learning platforms allow retirees to dive into topics you’ve always been curious about but haven’t had the time to research. They help keep your mind active and healthy. All from the comfort of your home.

Overall, technology can be a valuable tool for retirees to stay connected, manage their finances, stay healthy, and continue learning and growing. If you have other tech tools that you’ve found helpful or if you have questions about any of the tools I’ve listed, please let me know. I love having these types of conversations with people to expand my knowledge and help others.

06/03/2024

“If you are not consciously building your habits, they are unconsciously building you.”
― Anika J. Green
We all have this vision of what our ideal life looks like. And it’s not as difficult to achieve it as you may think.
And while some things in life are out of our control – like the weather or other people’s choices - there is so much that we can choose, like how we respond or react, how we prepare, etc.
If you want to be in control of your life, you must live intentionally. To live intentionally means accounting for, and planning, that which is within your control. And making sure those plans align with your goals, helping you get closer to the life you want.
Starting a life of living intentionally doesn’t have to be a 180ᵒ change. It can start as simple as waking up a half hour earlier to read or exercise. It can be making your coffee instead of buying it. It can be saying ‘no’ to plans instead of overextending yourself.
It’s taking responsibility for our actions and reactions, and being mindful each and every day.

What is one thing you are going to do to start living intentionally?

04/24/2024

Organization. It is crucial to business success. There are a million little tasks that need to be done daily for smooth operation. Things like phone calls, setting appointments, booking travel, conducting research, filing paperwork, buying gifts, taking notes…the list goes on and on. While all these jobs are vital, many people do not have the time (or the desire) to get them done. This is where Administrative Professionals come into the picture. These highly organized and amazing people make life better for everyone in the office. They greet you with a friendly smile while also working in the background, keeping everyone on task.

So, thank those people who ensure that the experience is wonderful for all. Not just for customers, but for everyone else in the company. The appointment you keep forgetting to set? The mail that must be addressed. The questions you need to be answered? The reminders to take care of something? It all comes down to your Administrative Professionals.

I know our office would be lost without ours. Flo and Paola a critical reason why our team is able to do what we do. Thank you, Flo and Paola!
Thank you to all the Administrative Professionals out there!

04/12/2024

Everyone hears ‘estate planning’ and usually one of three thoughts likely come to mind.
1) I am not old enough to need an estate plan yet.
2) I am not a millionaire; my estate is pretty simple, so I don’t need one.
3) I took care of it already…I know it’s around here somewhere.

All conclusions are giant red flags to me.

Why? Because for one thing, life happens, you never know what life has in store for you. And secondly, an estate plan goes well beyond your house and bank accounts.

Here are 7 things to consider when creating your estate plan:
1) Inventory everything - Watches, jewelry, electronics, vehicles, bank accounts, land, collectibles, etc.
2) Write down your family’s needs. Think beyond food and shelter. Will your kids need college education? What about a daughter’s wedding? No kids yet? What will your parents need so you don’t burden them and their retirement plans?
3) Establish directives. Who will get guardianship of your children? Will there be a trust set up? What happens if you end up in the hospital and cannot make your wishes known? Who will be power of attorney? Leave nothing open to interpretation.
4) Make sure your beneficiaries are up to date. You should make it a habit to check these at least annually.
5) Consider your state’s estate tax law. Nothing is simple when it comes to money, or the government. So, make sure that you know your state’s laws (or work with someone who will proactively help you with it) and be prepared for them.
6) Reassess periodically. Like mentioned above with beneficiaries, life happens, things change. People move, change jobs, children are born, children get older, and so on and so forth. Making sure you have all your bases covered keeps things out of the courts and out of litigation. And nothing can tear a family apart quicker than legal disputes.
7) The best piece of advice someone can give you is to consult a professional. Best to coordinate it between an estate attorney and a good financial advisor.

Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

04/08/2024

As I talk with my clients about the estate planning process, one topic seems to always come up: Real estate.

Real estate can be a great strategy to implement within your estate plan for several reasons. Owning properties, whether residential or commercial, brings diversification to your portfolio. It can enhance stability and provide potential growth that can be passed on to your heirs. When done correctly, real estate can lead to tax efficiencies and a smooth transfer of assets.

Adding real estate to your estate plan requires meticulous attention and planning now. If you’ve thought about getting into real estate, be sure to talk to a professional about how that will fit into your current estate plan.

See thrivent.com/social for important disclosures.

04/04/2024

You know that smell right after it rains?

Specifically, the smell of dirt, desert, and arid climates after a heavy down pour?

And the feeling that comes with it? The sense of euphoria and calm that washes over you when you breathe it in.

Well, science may have discovered the source of that all-too-familiar smell.

New research suggests that oils and chemicals released by plants in desert climates have stress-relieving effects on not just humans, but wildlife and plants as well.

These ‘volatile’ oils also serve to protect the plants from damaging solar radiation, drought stress, heat waves, and predatory animals.

So, go ahead, take that deep breath in, and do your mind, and body some good.

04/02/2024

As a Financial Advisor, I work with my clients on all aspects of their financial life. One of those aspects is Estate Planning. One of the statements that comes up often when I start discussing this topic is, “I’m all covered. I’ve got a will.”

While a will is a crucial document to have in place and current, it is very important to understand that there are some things a will doesn’t do.

First, a will does NOT cover all of your assets. Many people think that everything they own will be automatically distributed according to their will, but that's not entirely accurate. Assets like joint bank accounts with rights of survivorship, retirement accounts with designated beneficiaries, and assets held in a living trust typically bypass the probate process and are not governed by your will.

Secondly, a will does NOT dictate the distribution of certain types of property. For instance, properties owned as joint tenants or with community property rights might not follow the instructions in your will. Additionally, properties subject to beneficiary deeds or payable-on-death designations will pass to the specified beneficiaries, regardless of what's stated in your will.

Lastly, it's important to note that a will does NOT allow you to avoid the probate process entirely. Probate can be time-consuming and costly. A will won't shield your estate from it. However, strategies like setting up living trusts can help your loved ones avoid the probate process and ensure a smoother transfer of assets.

Remember, crafting a comprehensive estate plan involves more than just a will. It's crucial to work with professionals who can guide you through the complexities of estate planning. They can help ensure your assets are managed and distributed according to your wishes. If you have any questions or need assistance, feel free to reach out – I'm here to help!

Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.

See thrivent.com/social for important disclosures.

03/30/2024

🔻A little history lesson on Easter🔻

Historically, eggs have been thought of as symbolic of the sun, new life, and new birth. Because of this perception, they became a natural fit to be included in spring festivals of new growth and new beginnings. It’s uncertain where the tradition of decorating eggs began, but what is certain is that this tradition took a strong hold in Eastern European culture. This tradition led to the creation of the famed Fabergé eggs.

Peter Carl Fabergé, born in St. Petersburg, Russia in 1846, was named the goldsmith and jeweler to the Russian court in the 1880s.

Czar Alexander III had him create an elaborate Easter egg for the Czarina Alexandra in 1885.

The Czar made these eggs an Easter tradition throughout his reign, and that of his son and successor, Nicholas II.

Fifty such imperial eggs were created before the fall of the house of Romanov in 1917.

In 1918 Fabergé’s firm was closed by the Bolsheviks, causing him to flee to Switzerland, where he died in 1920.

The Fabergé eggs are some of the most valuable pieces of art in the world.

The lesson we can learn from Czar Alexander is that he gave the best that he had to his friends and family. Our hope is that we are able to do the same with those who are closest to us.

Happy Easter!😇

03/29/2024

On this solemn day, we pause to remember the sacrifice and love that Easter weekend represents. Good Friday is a time to reflect on the ultimate act of compassion and redemption. It's a reminder that even in our darkest hours, there's hope for renewal and a brighter tomorrow.

Today, I am grateful for the blessings in my life and the opportunity to reflect on the values of faith and forgiveness. May this Good Friday bring you peace and love.

03/28/2024

While nearly everyone could benefit from working with a professional financial advisor, the perceived cost is often what stops people from seeking that professional advice.

There comes a time, however, when paying for financial advice becomes a solid investment in your future. But How do you know when it's time to hire a financial advisor?

In my opinion, there are three reasons to hire a personal financial advisor:
- You feel “lost” in planning for your financial future and you need a roadmap.
- You just don’t want to deal. When it comes to money, you’re not the DIY type, and you just want a professional to take care of it.
- You like managing your money, but realize that your financial plan would benefit from an impartial and unemotional third-party opinion.

Hiring a financial advisor does cost money, but is itself an investment.. Because when you have the right person on your team, your money starts to work for you.

It can become easy to get overwhelmed by the state of your finances. Getting a second opinion from a someone like me can help.

See thrivent.com/social for important disclosures.

03/26/2024

Cherry Blossoms in the Spring

If you’re like most people, you have a personal “bucket list” of things you want to do during your life. I’d like to recommend adding another item to the list.

Every year around March, thousands of people journey to Washington, D.C. to enjoy the National Cherry Blossom Festival. If you’ve ever seen these trees in bloom, you know what a breathtaking spectacle they are. While we often associate our capital with the dreary grind of politics, for a few weeks every year, the city becomes draped with color.
The festival has a long and happy history. The trees were first donated in 1910 by the city of Tokyo as a symbol of friendship between Japan and the United States.

Unfortunately, the trees were infested with pests, forcing President Taft himself to order them burned. Undeterred, the Mayor of Tokyo donated three thousand new trees, which the First Lady, Helen Taft, helped plant on March 27, 1912. A symbol of spring, rejuvenation, and friendship, the trees are some of the most beautiful possessions our nation has.

As a financial advisor, part of my job is to help people achieve the goals on their personal bucket list. The National Cherry Blossom Festival is an event I’d recommend everyone add to theirs.

Happy Spring!

advisor

03/21/2024

Is it time to look for a new financial advisor?

A strong relationship with a financial advisor you trust matters more the closer you get to retirement...

The last thing you want at this point in your life is an advisor who doesn’t understand you or, worse, someone you can’t even understand.

Here are 3 red flags to watch out for, that may reveal it's time to shop for a new advisor.👇

🚩Your Financial Advisor Does the Bare Minimum

A good financial advisor should do more than just monitor your investments. They should be proactive about contacting you, answering your questions, discussing the markets, and finding additional ways to help you reach your financial goals beyond just investing.

🚩It’s a Relationship of 2, Not 3

Some financial advisers choose one person in the family to communicate with (typically the husband), and they don’t acknowledge the other person’s feelings, needs or goals. This can leave the excluded party unprepared to handle the finances in the event of death or divorce, with their retirement goals ignored.

🚩You Have an Uneasy Feeling

If your financial adviser fails to provide detailed information about your investments, is evasive or discourages you from having your partner or another trusted family member involved, you should definitely be concerned.

03/19/2024

Good news! The official start of spring is almost here. Around March 21st the spring or vernal equinox occurs, traditionally marking the beginning of the spring season. I always circle this date on my calendar because from this time forward, the days continue to grow longer with sunlight taking precedence over darkness.

Spring fever is so common that almost every culture around the world celebrates it in some form or fashion. Different traditions abound, from the simple to the elaborate.

Here are a few of my favorites:
• Cherry Blossom Festival – Japan
o The significance of the cherry blossom tree in Japan goes back hundreds of years. In Japan, each year the people look forward to the blooming of the cherry blossom trees. It is a time for families and friends to gather, picnic, and enjoy music and drink.

• The Songkran Festival – Laos
o In April the country of Laos turns into a giant water fight in celebration of their New Year. This tradition falls in the peak of the dry season and extensive heat. During this time, homes and holy places alike are cleaned. You may also get soaked while walking down the street – all in good-natured fun, of course!

• Sechselauten – Switzerland
o The end of this holiday is the burning of winter, a figure of a snowman filled with explosives. (Maybe this is why the Swiss never fight in wars – they take everything out on their snowmen!)

These celebrations remind us that spring is a season of renewal. In older times, people actually thought of spring as a time for new resolutions and new beginnings instead of the beginning of the calendar year like we do today. My thought? It’s good to celebrate both.

So, what traditions do you have? Let me know in the comments!

03/14/2024

This morning I was asked why I became a financial advisor.

The answer is fairly simple: I love helping others accomplish their goals. I’ve been able to accomplish a lot at a young age in athletics, business, relationships, and many other areas of my life, but what I’m truly passionate about is helping others succeed.

It's one of the reasons I played offensive line in college instead of defensive line. I was given a choice before my first football practice in college and I always thought that protecting and helping others score points would be the best for our team.

Furthermore, I studied political science with the original intent to help people through becoming a lawyer. Not realizing how expensive that endeavor is, I shifted focus to become a financial advisor and now I help people save for college for their children.

Being a financial advisor enables me to help others create a financial and investment strategy so they can accomplish their goals with as little stress as possible.

03/12/2024

Tax Planner vs. Tax Preparer

One of the common questions we receive when it comes to taxes is what is the difference between a tax preparer and a tax planner?

A tax preparer is used when the time comes to file your taxes each year. They help you prepare your taxes by gathering all your annual financial information. They also make sure you are taking advantage of any credits or deductions that you are eligible for.

Tax planning goes beyond the annual tax filing process. A tax planning professional helps you throughout the year to make sure the tax implications of your financial moves are considered. They try to help you avoid a surprise bill when April comes around.

So, which one should you have? That depends on your individual situation. However, if you have retirement accounts, investments, businesses, estates, or an inheritance, you should strongly consider getting help with your taxes.

I have helped many of my clients select the right tax professional to help them with their situation. If you need help, please give me and my team a call.

See thrivent.com/social for important disclosures.

03/07/2024

After over 15 years in the financial industry, I see two types of financial advisors.

One that you invest with and have to babysit, in a way. You don’t hear from them. Your investments perform so-so or worse unless you request changes, and “good service” is not in their vocabulary.

The other type is what my team and I strive to be. The financial advisor you invest with and never have to think about again. We contact you to keep your plan up to date and progressing. And to top it off, we strive to exceed your expectations.

If you, or someone you know, is working with the first type of financial advisor we would love to speak with them and help make sure they get the advice and service they deserve.

See thrivent.com/social for important disclosures.

03/01/2024

Today is at Thrivent and it is a great time to pause and reflect on what appreciation means to me.

Appreciation means we celebrate, respect, and support our employees. It means acknowledging someone’s hard work and effort, and taking the time to recognize even the little things because they can make a world of a difference in driving engagement and productivity.

I am so lucky to be leading such an incredible team of dedicated people who inspire me every day to be better.

Today, tomorrow, and every day I will continue to be appreciative and will work hard to lead my team one step closer to their goals.

Thank you, thank you, thank you for bringing your best selves to work every day, we are so lucky to have such a stellar team!

02/29/2024

Even though it seems like forever ago, I remember receiving my first W-2 at 13. I will never forget my initial thoughts.

“Wow, I made a lot of money!”

Followed quickly by “Wait…where did it all go?”.

Every year, filing taxes should bring to light areas of your finances that could use some improvement. The problem is, it isn’t always as easy to see as it was on the paycheck stub. There are plenty of things to work on, if you know what to look for. Whether it’s budgeting, saving, debt management, or investing. If you’d like to see what you can do to make the upcoming year financially better than the last, shoot me a message or give me a call. I love helping people take control of their taxes.

02/28/2024

As you prepare to file your taxes, one of the questions I hear on a regular basis is, “What medical expenses can I deduct from my taxes?”

To help my clients, I have put together a list of some of the most common medical deductions. However, it is important to note that you can only deduct qualified, unreimbursed medical expenses that are more than 7.5% of your 2023 adjusted gross income (AGI). For example, if your AGI is $50,000, any qualified medical bills beyond the first $3,750, could be deducted.

Here's the list of some of the common medical deductions. You can find a full list on the IRS Publication 502 on their website.
• Payments to doctors, dentists, surgeons, chiropractors, psychiatrists, psychologists, and other medical practitioners.
• Hospital and nursing home care.
• Acupuncture.
• Insulin and prescription drugs.
• Admission and transportation to medical conferences about diseases that you, your spouse, or your dependents have (but meals and lodging don’t count).
• Dentures, reading or prescription eyeglasses, contacts, hearing aids, crutches, wheelchairs, and service animals.
• Transportation costs to and from medical care.
• Insurance premiums for medical care or long-term care insurance if they’re not paid by your employer and you pay out of pocket after taxes.

Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

02/23/2024

As you file your 2023 taxes, I am sure you are thinking the same as most:
“How can I pay less next year?”

Of course, specific tax advice needs to come from a tax planning professional. Each person reading this will be different. That said, here are some basic strategies to consider:
Take advantage of all available deductions. Depending on your situation, itemizing deductions could generate more tax savings. If you itemize, you could also look at donating any appreciated assets. If you have a cause you care about and own a security with a high capital gain, you can donate that holding and deduct the fair market value, within some limitations.

Look at the higher savings incentives. IRAs, HSAs, and 529s have had some adjustments to contribution limits. 529s have had some other changes that make them more flexible too. It would be worth your time to evaluate how much you are saving and the purpose behind that savings. This could be a great way to reduce your taxable income.

Evaluate the tax efficiency of your investments. While many focus on the current, up-front return, it’s a better idea to look at the total return. For example, what investments you are holding and in which accounts can have a major impact. High levels of trading in a taxable account, for example, could be an area of needed adjustment.

Consider a Roth conversion. Here, you need to be careful. There is a lot of information online, including calculators. Just like you wouldn’t do an internet search to figure out how to operate on yourself, you also shouldn’t trust the internet for something as important as a Roth conversion. Talk to a professional who will work with your tax professional to ensure the process makes sense for you and how to do it correctly.

There are many other options and intricacies to each of them. If you have any questions about your situation, give us a call. We can work together with a tax planner to ensure you keep as much as possible of your hard-earned and saved money.

Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

02/14/2024

Well, it’s that time again . . . Valentine’s Day.

And you know what? Just between you and me, I don’t enjoy the commercialism that overshadows some of these holidays. We hear all the ads about the obligatory sending of roses, chocolates, candy kisses and cards. But life isn’t just about roses, chocolates, candy kisses and cupids.

Life is about friendships—about relationships, and Valentine’s Day gives us an annual reminder. It’s the one time of year that we can be mushy and say we love you and that we appreciate your business, your time, and most importantly your friendship.

We wish you a happy and wonderful Valentine’s Day.

02/13/2024

We all dream about retirement. Living our best life!

No more 9-5 schedule (unless that’s what you like.)
No more boss (unless you’re married 😄)
And you finally get to do what you want, when you want, how you want (the only limitation being our physical capabilities).

However, there is one little thing people aren’t completely free from when retirement hits: taxes.
You read that right.

Even though you may no longer be employed, you may still be liable for taxes.

Why?
Well, the answers get a little complex, but simply put, there are two main reasons why someone will have to pay taxes in their golden years.
1) Social Security is considered income, therefore may be taxable. However, that ultimately depends on several factors, such as how much Social Security you receive, and whether or not you have other sources of income.
2) The type of investment account you have. If you invested pretax dollars, you will get taxed upon receiving them, whereas if you invest post-tax monies, you may not. Again, it gets complicated, and ultimately several factors play into the overall outcome, such as your tax bracket.

If you need help planning for what is taxed in retirement, or if you have any questions, please don’t hesitate to contact us. It’s what we are here for.

Thrivent and its financial advisors and professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. See thrivent.com/social for important disclosures.

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726 W C Street
Newton, NC
28658

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☘️May your day be touched by a bit of Irish luck, brightened by a song in your heart, and warmed by the smiles of the people you love. ☘️ Happy St. Patrick’s Day from everybody here at Thrivent. And remember… Never iron a four-leaf clover, because you don't want to press your luck. 😉 #financialadvisor #thrivent #blarneystone #happystpatricksday

Martin Luther King, Jr. once wrote from a prison cell that “Human progress never rolls in on wheels of inevitability. It comes through tireless efforts.” Black History Month is a chance for all Americans to study, celebrate, and learn from these efforts. The efforts of people like Elizabeth Freeman and Quock Walker, who in 1780 fought for their freedom in the courts – and won. People like Harriet Tubman and Frederick Douglass, who escaped from slavery and then worked to end it using any means they could. People like Malcolm X. Medgar Evers. Jackie Robinson. Langston Hughes. Toni Morrison. As well as people whose names we don’t know, but whose efforts changed our country, nonetheless. They were writers and teachers, ministers and business owners, athletes and musicians, and everything in between. They came from different places and believed different things and used different methods. None were perfect because nobody is. But they each strived to open the door to liberty a little wider – not just for Black Americans, but for all Americans. This is why Black History Month is so important. Black history is American history. It’s the history of Americans moving America closer and closer to the ideals expressed in the Declaration of Independence: That we are all equal. #weareallcreatedequal #blackhistorymonth #financialadvisor #thrivent

Tax Efficiency

Are you getting optimal tax outcomes from your financial strategy? With ever-changing tax laws, it’s a good time to explore solutions that can help deliver greater financial flexibility—today and in the future.