Michael Kruse - Thrivent

Michael Kruse - Thrivent At Thrivent, we believe money is a tool, not a goal. Contact me directly 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.

529 Plan + ScholarshipMost parents assume a scholarship makes their 529 plan less useful. It actually creates options.He...
06/15/2026

529 Plan + Scholarship

Most parents assume a scholarship makes their 529 plan less useful. It actually creates options.

Here's what often gets overlooked:

If your child receives a scholarship, you may be able to withdraw an equivalent amount from the 529 without the 10% early withdrawal penalty. You'd still owe income tax on the earnings — but the penalty is waived.

And thanks to SECURE 2.0, unused 529 funds may now be rolled into a Roth IRA, potentially turning education savings into retirement savings.

A few rules apply:
- The account must be at least 15 years old
- Annual rollover limits apply
- The Roth IRA must be in the beneficiary's name
- Earned income is required

A well-structured plan doesn't get derailed by your child's success — it adapts to it.
Serving families in the Bradenton, FL area and all across the U.S. — if you're not sure how your 529 fits into your broader financial strategy, let's talk.

📱 651-661-4930
📧 [email protected]
🌐 connect.thrivent.com/michael-kruse

This is for educational purposes only and is not intended as tax or legal advice. Consult a qualified tax professional regarding your specific situation. See Thrivent.com/social for important disclosures.

10 Things a High Earner Should Never DoA high income is a powerful tool — but only if it's being used strategically.Here...
06/12/2026

10 Things a High Earner Should Never Do

A high income is a powerful tool — but only if it's being used strategically.

Here are 10 things worth avoiding as your income grows:

1. Confusing a big salary with wealth. One is a paycheck. The other is a system.
2. Locking up all your capital in a 401(k) before building assets outside of it.
3. Over-concentrating in company stock as a retirement strategy.
4. Waiting for the "right time" — compounding doesn't pause for your calendar.
5. Investing in deals you can't clearly explain or understand.
6. Partnering with managers who don't have skin in the game.
7. Buying luxury items before assets are generating the cash flow to support them.
8. Funding your lifestyle with debt instead of cash flow.
9. Skipping the attorney, CPA, or umbrella policy — and being surprised when one event sets you back years.
10. Saving without deploying. A high savings rate without a strategy is slow erosion.

Your income is the fuel. What you do with it determines your future.

Proudly serving the Bradenton, FL area and clients all across the U.S. - if you've been wondering whether your financial picture is actually working for you, I'd love to have that conversation.

📱 651-661-4930
📧 [email protected]
🌐 connect.thrivent.com/michael-kruse

See Thrivent.com/social for important disclosures.

To all who served and sacrificed for our freedom, thank you.
05/25/2026

To all who served and sacrificed for our freedom, thank you.

Sending love and gratitude to all the moms and mother figures who made us who we are today. Happy Mother’s Day!
05/10/2026

Sending love and gratitude to all the moms and mother figures who made us who we are today. Happy Mother’s Day!

05/01/2026

👉 End of week check: Did you move your financial life forward at all this week?

Even one small step counts.

Progress > perfection.

Let’s keep moving.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/3Rfk04T

📎 See thrivent.com/social for important disclosures.

04/29/2026

👉 I’m not geographically bound — and that matters more than ever.

Whether you’re here or across the country, I can help you and your family build a plan.

If someone comes to mind, feel free to connect us.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/4cVhyrB

📎 See thrivent.com/social for important disclosures.

04/27/2026

👉 If your income stopped today, what continues?

Bills do.

That’s why protection planning matters just as much as investing.

Let’s make sure you’re covered.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/4uxNcTp

📎 See thrivent.com/social for important disclosures.

04/22/2026

👉 Are your financial decisions intentional… or just convenient?

Convenience costs more than people realize.

Intentional planning creates long-term success.

Let’s make your decisions work for you.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/4u1kZUz

📎 See thrivent.com/social for important disclosures.

04/20/2026

👉 How often do you actually review your financial plan?

Once a year?
Never?

Life changes. Your plan should too.

Regular reviews = better outcomes.

Let’s check in.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/4tptIQA

📎 See thrivent.com/social for important disclosures.

04/17/2026

👉 Money tip: Complexity doesn’t equal sophistication.

Simple, consistent strategies often outperform complicated ones.

If your financial life feels confusing, that’s a sign to simplify.

Clarity wins.

📞 Call/Text: 651-661-4930
📧 [email protected]

🌐 https://bit.ly/3QfjFim

📎 See thrivent.com/social for important disclosures.

Address

2779 Beachcomber Inlet Loop
Bradenton, FL
34211

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16516614930

Website

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