Stone Oak Wealth Management, LLC.

10/26/2026

Stewardship isn't just about money. It's about how you manage everything God has placed in your hands. 🌳

Here are seven marks worth measuring yourself against:
1. Acknowledge God's ownership.
2. Understand the mission.
3. Put faith in action.
4. Remain trustworthy.
5. Be diligent in your work.
6. Seek guidance through prayer.
7. Rely on the Holy Spirit.

These aren't a checklist. They're a daily orientation toward the heart of a generous God.

👓 Check out the article: https://www.faithfi.com/articles/seven-marks-of-a-good-steward-8249

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

EVERY PART OF LIFE is a stewardship opportunity, from our finances and possessions to our time, relationships, and talents.

10/25/2026

God's capacity to work in your life is not limited by what you can imagine. That's the point of Ephesians 3:20. 🌳

Not just more than you asked. Not just more than you expected. More than you are even capable of asking... because the ceiling of your imagination isn't the ceiling of what He can do.

For someone who came into significant wealth unexpectedly, this verse lands in a particular way. Because the question isn't just what to do with what you have. It's what God intends to do through it.

You may not have grown up around money. You may not have a framework for what faithful stewardship of this kind of resource even looks like. That's not a disqualification. It might actually be the point.

God doesn't work through people who have everything figured out. He works through people who are willing... and then He does far more than they planned for.

The power that works within us isn't our own competence, our own connections, or our own track record with money. It's His.

Whatever you're carrying right now... whatever you're trying to plan, figure out, or get right... the One who entrusted it to you is more than capable of doing something with it that exceeds your best thinking.

Ask. Trust. And then watch what He does beyond it.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our

10/22/2026

Before you touch your retirement account early... know what it actually costs. And know when the penalty doesn't apply. 🌳

Withdrawing from a tax-deferred account before age 59½ generally triggers a 10% federal penalty on top of ordinary income taxes. But the IRS =DOES RECOGNIZE= specific life circumstances where that penalty doesn't apply.

👓 Read our full breakdown now: https://stoneoakwealth.com/exceptions-to-the-10-early-withdrawal-penalty

IRA exceptions include:
- Death or qualifying disability
- Unreimbursed medical expenses exceeding 7.5% of your AGI
- Health insurance premiums while receiving unemployment benefits
- Qualified higher-education expenses
- First home purchase... up to $10,000 lifetime
- Birth or adoption of a child... up to $5,000
- Federally declared disaster relief... up to $22,000
- Terminal illness
- Substantially equal periodic payments (SEPPs)... a structured series of withdrawals based on life expectancy

Employer-sponsored plan exceptions overlap but add a few:
- Separation from service at age 55 or older (age 50 for qualified public safety employees)
- Qualified Domestic Relations Orders (QDROs) from a divorce settlement
- Corrections of excess contributions

A few things worth noting:
SIMPLE IRAs carry a 25% early withdrawal penalty during your first two years of participation... not 10%. Section 457(b) plans are generally not subject to the early withdrawal penalty at all.
SEPPs are powerful but rigid. Once you start, you generally cannot modify the payments for five years or until age 59½... whichever is later. Changing them early triggers the penalty retroactively on all prior distributions.

If you're considering an early withdrawal for any reason... check your specific plan provisions first. Not every plan offers every exception.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

The 10% early withdrawal penalty has more exceptions than most people realize. Here's a plain-language breakdown of the situations that let you tap your IRA or employer-sponsored plan before 59½... without triggering the penalty.

10/21/2026

Joseph didn't prosper because his circumstances were favorable. He prospered because God was with him... and it showed. 🌳

Genesis 39:3 is set in one of the worst moments of Joseph's life. He had been sold into slavery by his very own brothers!!! The he had to work in a foreign household with no status, no rights, and no obvious future.

And yet his master noticed something. Not just competence. Not just a good work ethic. He saw that the Lord was with Joseph... and that everything Joseph touched prospered.

That's a different kind of success story.

For someone who has built significant wealth over decades... this verse raises a quiet question. What do the people around you notice about how you work? Is your success visibly connected to something larger than your own effort and ability?

Potiphar didn't know Israel's God. But he recognized His presence. The quality of Joseph's faithfulness was itself a witness.

Stewardship that honors God doesn't just produce results. It produces results that point somewhere. The work itself becomes a testimony.

Whatever you're managing today... land, a business, a family, a team... the goal isn't just outcomes. It's faithfulness that makes the presence of God visible in how you operate.

That's the kind of prosperity worth building toward.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a

10/19/2026

Early Christian monks were better with money than most people think. Probably better than most of us. 🌳

We tend to picture monastic life as financially irrelevant... a bunch of people who swore off possessions and retreated to caves. But the monks' grasp of finances was often exceptional. Biblical, nuanced, and worth a second look.

Three big ideas from the monks that still apply:
1. Economic sufficiency, not economic security.
Monks didn't renounce money. They renounced the love of it.
1. Enough to be hospitable.
For monks, the entire purpose of work and accumulation was simple: hospitality.
1. An economy of excess.
Work to cover your needs, support your family, and give generously to others who lack.

For the monks, money wasn't characterized by fear or greed. It was an expression of love... experienced as grace, shared in fellowship, and cultivated into a generous excess.

👓 Check out the article: https://www.faithfi.com/articles/monk-finances-the-economic-brilliance-of-early-christian-monks-8388

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

When I put the words “monk” and “finances” together, your first thought might be: “oxymoron.”

10/18/2026

Walking out of a financial meeting actually understanding what was discussed... that's rarer than it should be. 🌳

Financial planning shouldn't leave you more confused than when you walked in. It should give you clarity about where you stand, what your options are, and what comes next... in language that actually makes sense.

If you've been putting off getting a financial plan because the whole thing feels overwhelming... that's exactly who we're here for.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.



Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

10/17/2026

Inflation doesn't announce itself. It just quietly erodes what you've built... year after year. 🌳

A portfolio earning 2% when inflation runs at 3% isn't growing. It's losing purchasing power every single year. That math compounds in the wrong direction over a long retirement.

👓 Read our breakdown now: https://stoneoakwealth.com/two-key-investment-strategies-to-curb-the-effects-of-inflation/

Two strategies worth building into your plan:

Strategy 1: Diversify with growth in mind.
Cash and bonds alone rarely keep pace with inflation over the long term. Stocks have historically provided higher long-term returns... but they come with volatility and the real possibility of loss. The goal isn't to eliminate risk. It's to hold enough growth-oriented assets that your portfolio has a real chance of staying ahead of rising costs over time.
The right mix depends on your timeline, your income needs, and how much volatility you can realistically stomach without making emotional decisions at the wrong moment.

Strategy 2: Add an inflation rider to your long-term care policy.
If you have long-term care insurance... or are considering it... a daily benefit that looks adequate today may fall significantly short 15 or 20 years from now. An inflation rider automatically increases your benefit each year.

Options typically include:
- 5% simple interest (fixed dollar increase each year)
- 5% compound interest (grows on itself... substantially higher in later years)
- Cost-of-living rider tied to the Consumer Price Index

The compound option provides the largest benefit over time but costs more upfront. The right choice depends on your age at purchase and how long you expect to need coverage.

Inflation planning isn't exciting. But the families who account for it early are the ones who don't have to make painful adjustments later.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

Inflation doesn't wait... and neither should your retirement strategy. Here's a plain-language look at two ways to help protect your savings: building a portfolio that outpaces rising costs and using long-term care inflation riders to preserve your future benefits.

10/15/2026

Most investors ask one question: what will this return? 🌳

Biblically Responsible Investing adds a second one: what is this funding?

BRI is a faith-based approach to wealth management that aligns investment decisions with biblical values... not just financial performance. It means looking beyond the return and asking whether the companies in your portfolio reflect what you actually believe.
That involves two directions:
- Avoiding companies whose business activities contradict Christian values.
- Proactively seeking companies whose practices reflect stewardship, care for people, and responsibility toward the world God created.

The goal isn't to sacrifice returns for principle. BRI aims to achieve competitive financial performance AND honor biblical values at the same time. The objective is finding investments where faith and financial goals genuinely align.
For someone who has spent decades building significant wealth... this question deserves real attention. The assets in your portfolio are doing something in the world. The only question is whether you've looked closely enough to know what..

A few practical starting points:
- Audit your current investments for alignment with your values. Tools exist that can run your existing portfolio and generate an alignment report immediately.
- Set long-term goals that account for charitable giving, community impact, and kingdom-building... not just income and growth.
- Work with a faith-aligned advisor who holds you accountable to both the financial and spiritual dimensions of stewardship.

Greg Thompson, CFP®, CKA®, is a Certified Kingdom Advisor... a credential specifically for advisors committed to integrating biblical wisdom into financial counsel.

Your wealth can do well and do good. Those two things don't have to be in tension.

👓 Read our breakdown now: https://stoneoakwealth.com/when-faith-meets-finance-biblically-responsible-investing/

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

Your money can reflect your values... not just your goals. Here's what Biblically Responsible Investing is, how Stone Oak Wealth Management puts it into practice, and what it looks like to build a portfolio that honors your faith.

10/14/2026

Giving back looks good on our team.🌳

Last month, several of our staff volunteered at the Ronald McDonald House... serving lunch and spending time with families who are going through some of the hardest days of their lives.

We believe stewardship extends beyond financial planning. It shows up in how we serve our community, our neighbors, and the people God places in front of us.

Grateful for a team that puts that into practice.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

10/13/2026

How you pay for college changed last year. 🌳
The One Big Beautiful Bill Act that passed in July 2025... and the updates are significant.

👓 Read our full breakdown: https://stoneoakwealth.com/paying-for-college-just-got-a-rewrite/

If you have kids or grandkids heading toward college, or you're already carrying student loans, here's what to keep in mind:

New borrowing limits started July 1, 2026:
- Parent PLUS Loans are now capped at $20,000 per year and $65,000 total per student. Previously, parents could borrow up to the full cost of attendance.
- Grad PLUS Loans are eliminated entirely, replaced by new Direct Loans with set annual and lifetime limits.
- A new lifetime borrowing cap of $257,500 applies to undergraduate and graduate Direct Loans.

Repayment plans are changing:
- The SAVE, PAYE, and ICR plans are being phased out by July 1, 2028. If you're enrolled in one of these, you need to transition before the deadline.
- Two new plans launch July 1, 2026... the Standard Repayment Plan (terms tied to loan balance) and the Repayment Assistance Plan (income-based, with forgiveness after 30 years).

529 plans got more useful:
- Qualified expenses now include workforce credentialing programs.
- The K-12 annual limit doubles from $10,000 to $20,000 and covers tutoring, test prep, dual enrollment, and educational therapies.

Employer assistance is now permanent:
- The $5,250 tax-free employer student loan repayment benefit is made permanent starting in 2026 and indexed for inflation in 2027.

If you have a blended family with kids at different stages... these changes deserve a close look at your current strategy.

☎️🗓️ CALL (726) 220-5022 to schedule a consult.


Stone Oak Wealth is regulated by the SEC as a registered investment advisor. Please see our website stoneoakwealth.com/disclosure for additional disclosures.

Higher education funding is about to undergo a major overhaul. The One Big Beautiful Bill Act (OBBBA), passed in July 2025, brings sweeping changes to student