Thrivent is a membership-owned holistic financial services organization that believes money is a tool, not a goal. Melanie Morat is committed to providing financial advice, investments, insurance, banking, and generosity programs to help people in Folsom, CA make the most of all they've been given. This page is not intended for communications between you and Thrivent, its representatives or affiliates. For important disclosure information, visit www.thrivent.com/disclosures.