Social Security planning

Peter Hess and Christine Ruppert are Thrivent Financial Associates. Hess works out of his Waconia office, and Ruppert works out of her Hutchinson office. Photo by Scott Thoma

What baby boomers need to know to help maximize retirement income

It’s a general misconception that all you have to do when you retire is sign up for Social Security and a check arrives in your mailbox each month.

While that may be partially true, there are hundreds of various options that most people aren’t utilizing to get their maximum retirement benefits.

Thrivent Financial associates in Hutchinson have been conducting seminars each month in various locations to educate people about their options when they reach retirement age.

“We’re here to help,” said Christine Ruppert, financial associate at Hutchinson. “There are so many people that aren’t getting the benefits they should be getting. And we want to inform them of all of their options so they can live comfortably in retirement.”

Baby boomers are now entering into the next phase of their life – planning for retirement. That planning stage can be confusing, challenging and even scary.

Thrivent Financial can help ease those burdens for you.

Peter Hess, Thrivent Financial associate, Waconia

“There are so many questions to ask yourself when you enter retirement age,” said Peter Hess, financial associate at Waconia, who conducts seminars on retirement planning. “There are actually 756 ways to apply for Social Security. That’s a lot to consider for anyone.”

To be sure that you are getting your fair share, Thrivent Financial associates will sit down with you and explain your options and answer any questions you might have.

Retirement questions most often asked regarding Social Security are: Will Social Security be there for me? How much should I expect to receive? When should I apply for benefits? How can I maximize my benefits? Will Social Security be enough to live on in retirement?

“Your benefit will depend on how much you earned over your working career and the age you apply for benefits,” said Hess. “But there is so much more involved that people entering retirement often get overwhelmed.”

If an individual needs to apply for early benefits because of health problems, for example, Thrivent associates can help you get the maximum benefits by explaining various options.

“Some people are under the assumption that if you claim benefits at an early age, the percentage will increase each year after you retire,” said Hess. “But you are basically locked into a percentage if you apply for early benefits. That’s why we want to go over all of your options to make sure you will have enough money, not just when you retire but in your future retirement years, as well.”

Being prepared is one of the greatest gifts you can give yourself. And the right strategies can help you achieve a lifetime of financial security.

Christine Ruppert Thrivent Financial associate, Hutchinson

“You’ve probably saved for decades to financially prepare for this stage of your life,” said Ruppert. “We can show you how to spend your money wisely in retirement. Many people discover that managing their income in retirement can be even more challenging than saving for retirement.”

Thrivent Financial has been around for more than a century, helping member-owners be wise with money so they can live generous lives. “We see money as a tool, not a goal.”

Thrivent Financial is a Fortune 500 financial services not-for-profit membership organization. As a member-owned fraternal benefit society, it operates under a chapter system, serving approximately 24 million members.

Thrivent Financial and its subsidiaries offer financial products and services, including retirement planning strategies, life insurance, annuities, mutual funds, disability income insurance, credit union products, money management, brokerage services, and more.

Giving back is an essential part of the company. Thrivent does more than provide sound financial guidance and products. Their unique approach to blending faith, finances and generosity helps members and communities thrive.

In 2013, Thrivent Financial and its members provided volunteer services to charitable organizations, schools, congregations and individuals in need, and contributed $182.7 million to organizations and activities that aim to strengthen families and communities.

If you would like to talk to Christine Ruppert or any other associates about retirement planning, call 320-587-6440. The Hutchinson office is located at 116 Main Street South, Hutchinson, MN 55350. You can also email,, or

#Hutchinson #ThriventFinancial

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