Thrivent Financial – Michael Kruse

I'm proud to be a Thrivent financial professional.

I provide personalized financial guidance to people at all stages of life.

At Thrivent, we view money not as a goal, but as a tool — one that can afford you a life rich in meaning and gratitude.

We believe humanity thrives when individuals make the most of all they've been given.

I'm here to help you do just that.

I love helping my clients uncover what's important to them, while helping them achieve financial clarity and freedom along the way.

Each individual is unique in their own way, but so is their financial situation. Being able to walk alongside each of my clients through their financial journey is the reason I joined Thrivent.

I specialized in two areas.

Pre-Retirees & Retirees
Planning for retirement is one of the most critical financial journeys in life. As a financial advisor specializing in pre-retirees and retirees, I help clients navigate:

Retirement Income Planning – Ensuring you don’t outlive your savings by creating a sustainable withdrawal strategy.

401(k), IRA & Pension Optimization – Maximizing your retirement accounts, required minimum distributions (RMDs), and tax efficiency.
Social Security Strategies – Helping you decide when and how to claim benefits to maximize your lifetime income.
Healthcare & Long-Term Care Planning – Preparing for rising medical costs, Medicare decisions, and potential long-term care needs.
Estate & Legacy Planning – Ensuring your wealth is passed on according to your wishes while minimizing estate taxes.
Whether you’re a few years from retirement or already retired, I help bring clarity and confidence to your financial future.

Small Business Owners
Running a business is demanding, and financial planning often takes a backseat. I work with small business owners to:

Retirement Plans for Business Owners & Employees – Setting up SEP IRAs, Solo 401(k)s, SIMPLE IRAs, or other tax-advantaged plans.

Tax Efficiency & Wealth Preservation – Structuring finances to minimize tax burdens while maximizing profits.

Business Succession & Exit Planning – Creating a smooth transition strategy to sell, transfer, or retire from your business.

Risk Management & Insurance Planning – Protecting your business and personal assets with the right insurance solutions.

Personal & Business Financial Integration – Aligning business success with personal financial goals to build long-term wealth.

I help entrepreneurs turn business success into personal financial security, ensuring their hard work translates into a strong financial future.

Florida License #G207654.