Shanell Foster - Thrivent Financial

Shanell Foster - Thrivent Financial Thrivent Financial Professionals may only conduct business with residents of the states and/or jurisdictions in which they are licensed.

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10/05/2026

✨️ What would you tell your younger self? ❤️ 💰 Let’s get it DONE ✅️

Shanell Foster - Thrivent Financial
Financial Advisor
Wellington Way Financial Group 🐎 of Thrivent

10/02/2026

19th Annual Kick-Off to the Equestrian Season Luncheon Shanell Foster - Thrivent Financial We are thrilled to welcome Shanell Foster, MBA, of Wellington Way Financial Group of Thrivent as a VIP Table Sponsor for the Greater Wellington Chamber of Commerce’s 19th Annual Kick Off to the Equestrian Season Luncheon! 🐎🥂

Shanell Foster is a Financial Advisor with more than a decade of experience in the financial services and insurance industry. She works with families, professionals, and business owners to bring clarity, confidence, and intention to their financial lives, with a focus on helping clients prepare for the future while building lasting legacies.

Her impressive educational background includes a Bachelor’s degree in Banking and Finance from the University of the West Indies, Mona, an MBA from Central Michigan University, and Executive Education in Investment Management Theory and Practice from Yale University’s School of Management. She is also licensed in multiple states and holds FINRA Series 7 and Series 66 credentials.

But Shanell’s commitment goes far beyond her professional accomplishments. A Palm Beach County resident for more than 13 years, she is deeply involved in our local community and has been active with organizations including the Greater Wellington Chamber, Wellington Rotary Club, Impact the Palm Beaches, the Boys & Girls Club of Wellington, and JustWorld International.

And, as someone who lives right here in Wellington with her husband and three children on their equestrian farm, Shanell understands firsthand the unique character, lifestyle, and spirit of our community. 🐎

We are proud to have Wellington Way Financial Group supporting this special Chamber tradition as a VIP Table Sponsor!

Join us as we kick off the 2026–2027 Equestrian Season with an incredible afternoon of networking, community, business connections, and celebration at our 19th Annual Kick Off to the Equestrian Season Luncheon.

Thank you, Shanell, for your continued investment in the Greater Wellington business community. We are so grateful to have you at the table!

📍 Wanderers Club, Wellington, Florida
🐎 19th Annual Kick Off to the Equestrian Season Luncheon
🤝 Presented by the Greater Wellington Chamber of Commerce

09/30/2026

🐎 💐 So Grateful for Growth in my Riding Journey after just 3 months! ❤️

✨️ Key Dates to Finish 2026 Strong ✨️ Looking ahead to the final quarter of 2026 as we help our clients finish the year...
09/25/2026

✨️ Key Dates to Finish 2026 Strong ✨️

Looking ahead to the final quarter of 2026 as we help our clients finish the year with intention, these are a few dates worth putting on the calendar:

📌 October 1: Generally the last day to establish a new SIMPLE IRA plan effective in 2026, if the employer did not previously maintain one.

📌 October 15: Deadline to file a 2025 federal individual tax return if you received an extension.

📌 October 15–December 7: Open Enrollment for Medicare Health Insurance, a good time to review health and prescription drug coverage for 2027. Also, a great time for business owners offering health insurance to review their plans.

📌 December 31: Complete 2026 required minimum distributions (RMD) and year-end charitable gifts. Opening a donor-advised fund if you intend on making future donations can be a game changer!

📌 December 31: It’s also time to review retirement plan contributions, tax withholding, and any Roth conversion strategy before the calendar year closes.

📌 December 31: Tax Loss Harvesting, if appropriate: Realized losses may help offset capital gains, but coordinate trades across accounts and watch the wash sale rule, which can disallow a loss if substantially identical securities are purchased within 30 days before or after the sale.

A strong finish starts way before December. What’s on your year-end financial checklist?

Connect with Us to Help you Execute Them!

Shanell Foster, MBA
Wellington Way Financial Group of Thrivent
Appointment Link: Calendly.com/shanellfoster

Visit Thrivent.com/social for disclosures


Is a Solo 401(k) or SEP IRA the better fit for you as a business owner? It depends on your priorities: higher contributi...
08/31/2026

Is a Solo 401(k) or SEP IRA the better fit for you as a business owner? It depends on your priorities: higher contribution limits and flexibility or simple administration and ease of use. Go deeper here: https://bit.ly/4gR8mrN

✨ A $2 Million IRA ≠ a $2 Million retirement! ✨Seeing $2,000,000 on a retirement statement can create a tremendous sense...
08/18/2026

✨ A $2 Million IRA ≠ a $2 Million retirement! ✨

Seeing $2,000,000 on a retirement statement can create a tremendous sense of security.

But the number on the statement isn't necessarily the number you get to spend 💡

For affluent retirees, I believe there are three risks that deserve far more attention:

1️⃣ Sequence of Returns Risk

Imagine retiring with $2 million just before a significant market decline.

You're no longer simply waiting for the market to recover—you may also be withdrawing $80,000, $100,000 or more each year to fund your lifestyle.

Those withdrawals during a declining market can permanently reduce the capital available to participate in the recovery.

Same average return.
Different sequence.
Potentially VERY different retirement outcome.

2️⃣ Withdrawal Rate Risk

A $2 million portfolio supporting $80,000 annually is very different from one supporting $150,000.

Retirement planning isn't simply about reaching a certain asset level.

It's about determining how much sustainable income those assets can produce—and how that income changes during difficult markets.

3️⃣ The IRS May Be Your Silent Partner

If that $2 million is primarily in traditional IRAs and 401(k)s, it represents pre-tax wealth—not necessarily spendable wealth.

Eventually, Required Minimum Distributions (RMDs) enter the picture.

And larger taxable distributions can potentially create a ripple effect:

→ Higher taxable income
→ Higher Medicare premiums through IRMAA
→ More Social Security benefits potentially subject to taxation
→ Less flexibility over when and how you recognize income

This is why sophisticated retirement planning should begin well BEFORE RMDs.

Could strategic Roth conversions make sense?

Should withdrawals come from taxable, tax-deferred or Roth accounts first?

Should you maintain a cash or short-term reserve to avoid selling equities during a downturn?

Could charitable giving strategies help manage future RMDs?

These aren't simply investment questions.

They're retirement income and tax-planning questions.

The goal shouldn't just be:

“Retire with $2 million.”

The better goal is:

Build a portfolio capable of generating the after-tax income you need, for as long as you need it, while maintaining flexibility through different market and tax environments.

Because ultimately, wealth isn't measured solely by your account balance.

It's measured by what that balance allows you to do.

Shanell Foster, MBA
Financial Advisor ⛳
Wellington Way Financial Group of Thrivent
Appointment Link: calendly.com/shanellfoster

Photo📸: Lochenheath Golf, Traverse City, Michigan
Forecaddie, Patrick

Visit Thrivent.com/social for additional disclosures

✨ Wealth means different things to different people 🐎 🎬 For some, it's financial independence. For others, it's creating...
07/30/2026

✨ Wealth means different things to different people 🐎 🎬

For some, it's financial independence. For others, it's creating a lasting legacy for their family.

But for many in the Equestrian World, wealth is the opportunity to pursue an Olympic dream 🏅

Behind every rider chasing excellence are years of sacrifice, unwavering commitment, world-class horses, dedicated trainers, countless hours of preparation—and significant financial planning.

Based in Wellington FL, Gabriela Ruetter, the number 1 female show jumper for Chile 🇨🇱 knows this all too well.

🎥 Thoroughly enjoyed the incredible Movie Premiere of "On the Fringe" documenting her journey to become the next equestrian since 1972 to represent Chile 🇨🇱 at the Olympics!

Watching her journey echoes the truth that wealth isn't simply measured by the size of an investment portfolio. It's measured by the ability to live your purpose and pursue what matters to you!

At Wellington Way Financial Group, we're privileged to work with individuals, families, professionals and business owners whose goals are as unique as they are.

Because the best financial plan isn't just about accumulating wealth—it's about creating the freedom to live the life you've envisioned.

What does wealth mean to you? Discover wealth your way!

Shanell Foster, MBA
Financial Advisor
Wellington Way Financial Group 🐎 of
Appointment Link: calendly.com/shanellfoster



Thrivent is not affiliated with Gabriela Reutter. Visit Thrivent.com/social for additional disclosures

✨ Listening for Why...Not Just to Reply! ✨Too often, people think financial advice starts with investments.I believe it ...
07/28/2026

✨ Listening for Why...Not Just to Reply! ✨

Too often, people think financial advice starts with investments.

I believe it starts with a question:

"Why?"

Not listening to reply.
Not listening to recommend a product.
Listening to understand.

Why is financial independence important to you?

Why do you want to retire at a certain age?

Why do you want to leave an inheritance?

Why does generosity matter to your family?

When we uncover the "why," the financial strategy becomes much clearer. Investments, tax planning, insurance, and estate planning are no longer isolated decisions—they become tools that support what matters most to you.

Anyone can build a financial plan around numbers.

The real opportunity is building one around your values, your goals, and the life you want to live.

That's where meaningful planning begins.

Shanell Foster, MBA
Financial Advisor
Wellington Way Financial Group of Thrivent
Appointment Link: calendly.com/shanellfoster

Visit Thrivent.com/social for disclosures.

✨ Quarterbacking the Plan✨ You have the CPA.You have the estate planning attorney.You have the real estate professional....
07/10/2026

✨ Quarterbacking the Plan✨

You have the CPA.
You have the estate planning attorney.
You have the real estate professional.
You may even have an insurance agent and an investment broker.

But who is bringing it all together?

The greatest financial outcomes rarely come from one expert working in isolation. They come from a coordinated team with someone serving as the quarterback—aligning tax strategies, investments, retirement planning, estate planning, risk management, and real estate decisions into one cohesive game plan.

Without a quarterback, even the best professionals can unintentionally work in silos.

My role isn't to replace your CPA or attorney—it's to help ensure everyone is moving toward the same goal, asking the right questions, and making decisions that work together to create your best financial future.

Financial confidence isn't built by collecting advisors. It's built through coordination!

Shanell Foster, MBA
Financial Advisor aka Quarterback
Wellington Financial Group of Thrivent
Appointment Link: https://bit.ly/4h42XxB



Visit Thrivent.com/social for disclosures

Have a fun and memorable Fourth of July celebration!
07/04/2026

Have a fun and memorable Fourth of July celebration!

Address

8461 Lake Worth Road, Ste 162
Wellington, FL
33467

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

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