thrivent.com

December 7, 2025

What Thrivent.com Is and What Thrivent Does

Thrivent.com is the official website of Thrivent, a membership-owned financial services organization based in the United States. Thrivent operates as a not-for-profit, fraternal benefit society and Fortune 500 financial services company that provides insurance, investments, financial planning, and other financial solutions. Its roots go back more than a century, originally formed through the merger of Lutheran Brotherhood and the Aid Association for Lutherans. Today, it serves millions of members and clients with a wide range of financial products and community-focused services.

Thrivent describes itself as a firm that looks beyond just money. Its core idea is to help people make clear financial decisions that reflect their values, and to help them live generously and make a positive impact in their communities.

On Thrivent.com you’ll find information about their services, tools to connect with financial advisors, and resources designed to help individuals build financial plans, protect against risks, invest for the future, and give back to causes they care about.

Thrivent’s Core Services

The company isn’t just one thing. It spans several areas of financial services and has evolved into a comprehensive provider:

1. Financial Advice & Planning
Thrivent emphasizes working with financial advisors who help clients build plans tailored to their unique goals and values. Advisors assist with budgeting, retirement planning, tax-efficient investing strategies, and more.

2. Insurance Solutions
Insurance is a foundational part of Thrivent’s offerings. Life insurance, disability insurance, and other protective products are available to help families secure their financial futures. These products aim to provide financial support when life takes unexpected turns.

3. Investment Services
Thrivent provides investment products including mutual funds, annuities, and brokerage services through affiliated companies. These services are designed to help members build diversified portfolios and work toward long-term financial objectives.

4. Banking and Cash Management
Banking solutions, including savings and checking options, help members manage everyday finances alongside long-term financial planning.

5. Generosity Programs and Giving Tools
A distinctive aspect of Thrivent is its focus on generosity. The organization offers programs like Thrivent Choice® and Thrivent Action Teams that help members donate to nonprofits, direct charitable funding, or lead volunteer projects. Some programs even allow members to direct part of Thrivent’s funding to causes they care about.

Membership: What It Means

Unlike many financial firms that serve customers on a transactional basis, Thrivent operates as a membership-owned organization. This means clients who meet eligibility criteria (traditionally tied to a shared Christian common bond) can become members.

As members, people gain access to benefits beyond core financial products:

Educational tools and financial content that help in planning and decision-making.
Support at key life moments, such as caregiver resources or guidance after loss.
Volunteer and giving programs that facilitate community engagement and charitable impact.

Membership also includes the ability to participate in programs like Thrivent Choice, where members help decide how certain grant funds are allocated to churches and nonprofit organizations.

How Thrivent Works With Clients

The site thrivent.com outlines a step-by-step approach people can take when working with Thrivent:

Connect with a Financial Advisor:
You can schedule a consultation (often free or introductory) to discuss personal goals. Advisors take time to understand financial situations and priorities.
Create a Financial Plan:
Plans are designed around what matters most to the individual or family, incorporating risk tolerance, retirement goals, savings needs, and charitable goals.
Action and Tracking:
Thrivent’s advisors help clients take steps toward their financial goals and periodically review progress to adjust plans as needed.

The process isn’t limited to one-time advice. Many clients maintain ongoing relationships with advisors who help them through changes in life, from job transitions and home buying to retirement and estate planning.

Thrivent’s Organizational Structure

Thrivent’s structure is somewhat different from typical financial firms. Some key points:

It’s not a shareholder-driven company. Thrivent is owned by its members, not outside shareholders, which influences its long-term and community-oriented focus.
The organization is governed by a board that members can vote on.
Thrivent and its affiliates include investment management arms, trust services, and advisory services.
The firm has been recognized on lists like Fortune’s rankings and ethical company lists.

What You’ll Find on Thrivent.com

Thrivent’s website serves several functions for prospective and current clients:

Educational content: Articles, tools, and resources on financial topics like budgeting, retirement planning, and investing.
Product descriptions: Overviews of life insurance, annuities, investment accounts, banking tools, and more.
Access to advisors: Options to find an advisor locally or virtually.
Giving and generosity tools: Options for participating in programs like Thrivent Choice and Action Teams.
Client login: Members and clients can access their accounts for services, tools, and personalized information.

The site also frames Thrivent’s overall mission: to help clients not only manage money but align finances with personal values and goals.

Strengths and Considerations

Thrivent’s focus on values and community is one of its most recognizable traits. Members often cite the generosity programs and community engagement opportunities as distinguishing features. The fraternal model is built around shared ownership and has historical roots that emphasize service and mutual support.

As with any financial services firm, potential clients should do their own research and consider how Thrivent’s products and advisor model fit their personal financial goals. That includes understanding fees, investment options, insurance products, and whether the membership aspects align with their needs.

Key Takeaways

Thrivent.com is the official site of Thrivent, a membership-owned financial services organization focused on insurance, investments, financial planning, and generosity programs.
Thrivent blends financial products with a mission-driven approach, encouraging clients to align financial choices with personal values.
Membership offers access to additional benefits like volunteer programs and giving tools.
The company operates without typical shareholders, emphasizing long-term support and community impact.
Thrivent’s website provides tools, educational content, advisor connections, and access to financial products.

Frequently Asked Questions

Is Thrivent only for Christians?
Thrivent is traditionally rooted in a Christian common bond and membership is available to individuals who meet specific criteria. Over time, membership has expanded to include a broader group of people sharing similar values.

Can anyone use Thrivent’s financial products?
Generally, Thrivent’s insurance and financial products are offered to clients who work with their advisors, and membership may be required for certain benefits. Availability can also vary by state.

Does Thrivent provide legal or tax advice?
No. Thrivent’s advisors help with financial planning and investment guidance, but legal and tax advice should be obtained from qualified professionals in those fields.

What is Thrivent Choice?
Thrivent Choice® is a giving program where eligible members can recommend where portions of Thrivent’s charitable funds should be directed, supporting churches and other nonprofit organizations.

How do I contact a Thrivent financial advisor?
You can request a consultation directly through Thrivent.com, either with a local advisor or through their virtual advice team.