Melissa Kadrmas - Thrivent

Melissa Kadrmas - Thrivent At Thrivent, we believe money is a tool, not a goal. Let’s connect if you have questions.

Driven by a higher purpose at our core, we are committed to helping people make the most of all they’ve been given. 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.

Are you at full retirement age? Reach out to learn more about taking full Social Security benefits at age 67. Thrivent f...
06/03/2026

Are you at full retirement age? Reach out to learn more about taking full Social Security benefits at age 67.

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.

Is it time to start taking your required minimum distributions? Reach out to learn more about RMDs and how they may impa...
06/03/2026

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.

While taxes on Social Security benefits haven’t been eliminated, some retirees could benefit from a new, temporary feder...
06/01/2026

While taxes on Social Security benefits haven’t been eliminated, some retirees could benefit from a new, temporary federal deduction of $6,000 per eligible individual.

As with most tax-related matters, the rules surrounding eligibility are nuanced. If you have questions about how this may impact your financial plan, let’s connect.

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.

“You will have great joy and gladness.” - Luke 1:14
05/31/2026

“You will have great joy and gladness.” - Luke 1:14

No financial plan is truly complete without an extended care strategy—and here’s why.Medicare and Medicaid offer only li...
05/30/2026

No financial plan is truly complete without an extended care strategy—and here’s why.

Medicare and Medicaid offer only limited long-term care coverage, often leaving significant gaps. Out-of-pocket costs can quickly erode your savings and place added stress on you and your loved ones. That’s why extended care planning typically combines several sources, such as:

✅ Insurance
✅ Government programs
✅ Self-funding

The earlier you plan, the more flexibility and options you’ll have. Let’s connect to create a strategy that fits seamlessly into your overall financial plan.

See thrivent.com/social for important disclosures. Thrivent is not connected with or endorsed by the U.S. government or the federal Medicare program.

You’ll want to understand the difference between grants, work-study and loans. Same goes for how funds are disbursed and...
05/29/2026

You’ll want to understand the difference between grants, work-study and loans. Same goes for how funds are disbursed and what must be accepted or declined. As a rule of thumb, accept only what you need. Let me know if you'd like a quick explanation before responding.

See thrivent.com/social for important disclosures.

Is college getting closer, but your savings aren’t where you’d hoped?With a clear plan, you can still make meaningful pr...
05/28/2026

Is college getting closer, but your savings aren’t where you’d hoped?

With a clear plan, you can still make meaningful progress. Here are some strategies to help you close the gap and move forward with confidence: https://bit.ly/4lmnVpW

If you’re taking out loans for college, now’s the time to get organized.Many students graduate with multiple loans, and ...
05/27/2026

If you’re taking out loans for college, now’s the time to get organized.

Many students graduate with multiple loans, and it’s easy to lose track along the way. While repayment may feel far off, staying on top of your loans now can help you avoid costly surprises later.

Keep a running list that includes:
✅ Loan type and interest rate
✅ Lender or loan servicer
✅ Amount borrowed
✅ Estimated monthly payment

Keeping tabs on your debt can help you make smarter borrowing decisions today—and be better prepared for repayment after graduation.

Need help navigating your loan strategy or exploring other ways to pay for college? Let’s connect. Together, we can compare your options and build a plan to help you succeed.

See thrivent.com/social for important disclosures.

Use your sales skills to help clients meet their financial goals while building a career where you can reach your own. T...
05/27/2026

Use your sales skills to help clients meet their financial goals while building a career where you can reach your own. Thrivent offers the resources, support and advisor-centric ecosystem you need to grow.

Learn more about our financial advisor career opportunities: thriventcareers.com/4tCQncm

There are many different ways to prepare for a college education—whether it's for your child or yourself. Let's set up t...
05/26/2026

There are many different ways to prepare for a college education—whether it's for your child or yourself. Let's set up time to discuss what options are right for you.

See thrivent.com/social for important disclosures.

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1400 Colonial Boulevard, Suite 65
Fort Myers, FL
33901

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