A retirement income management program can help you secure regular income for life.  Thrivent Retirement Income Optimizer (TRIO)™, is a state-of-the-art program that you and your financial advisor can use to help manage all of your assets in retirement, regardless of where they are held.

TRIO can help you:

• Deal with some of the most common retirement challenges: outliving your savings, inflation risk, market volatility, and unexpected life events.
• Determine strategies to create a regular stream of income during retirement.
• Enjoy flexible income that fits a changing lifestyle.
• Assess your asset allocation to help you determine how to maximize your investment potential in changing financial markets.

TRIO is a strategy based on three simple guidelines:

	Diversify your portfolio for long-term growth and income.
	Progressively guarantee or “lock in” income for the long term.
	Balance income withdrawals and investing to help make your money last.

These guidelines work together to help manage your income needs throughout your retirement.

How TRIO works

TRIO is:

• Personalized.  You and your financial representative set your strategy for managing retirement income and test your choices against a set of scenarios based on historical markets.
• Holistic.  It works with all your assets and income, regardless of where they are held, to help achieve your retirement income goals.
• Dynamic.  It considers the impact of changing market conditions (rather than relying on market averages) along with your evolving personal needs and retirement income goals.
• On-going.  Each year TRIO applies your strategy and creates a report with recommendations for you and your financial advisor to consider in optimizing the probability of success in meeting your retirement income goals.

Take the Next Step
TRIO is a unique service that combines sophisticated tools with the valuable knowledge and guidance of your financial representative to simplify retirement income planning. To learn more about TRIO, download this informative brochure (PDF, 428K) or call your Thrivent Financial representative today.

You can work with a specially trained registered representative of Thrivent Investment Management to develop a strategy based on your specific circumstances, including your investment risk tolerance and time horizon.  Thrivent does not guarantee any particular results from the use of the TRIO strategy.  Thrivent Investment Management Inc. is the investment adviser for Thrivent Retirement Income Optimizer, a fee-based retirement-income planning program.