We are very happy with Thrivent Financial and the range of products they provide. If you are a Lutheran, I would say definitely join. I also believe they are opening up to other Christians. When you join Thrivent, you are joining not only a financial company with great services, but you are also joining a group that gives back. You can even elect where some of that giving back goes through the Thrivent choice program. Due to the fraternal nature of the organization, costs are very low. We have had two excellent representatives who do an analysis of your financial health and make recommendations for future financial well being. We have found much of their advice to be very sound and have made changes as a result. The nice thing is not all the changes recommended involve moving all your money to them. They also gave advice on working within our existing financial plans to make them better. We are especially pleased with our new life insurance plans.