Stone Oak Wealth Management, LLC.

06/11/2026

Most people never look at their Social Security statement. That's a mistake.🌳

Your Social Security statement shows your projected monthly benefit at various claiming ages, your complete earnings record going back decades, and what your survivors could receive if something happened to you.

For someone nearing retirement with significant assets... Social Security may feel like a footnote. But the timing of when you claim can meaningfully affect your lifetime income. And errors in your earnings record... which do happen... can quietly reduce the benefit you've earned.

A few things worth doing now:
- Create an account at ssa.gov/myaccount to access your statement anytime.
- Review your year-by-year earnings record against past W-2s or tax returns.
- If you find an error, call the SSA at (800) 772-1213 right away.
- Look at the projected benefit amounts at different claiming ages ... 62 through 70.

You've paid into this system your entire working life. Make sure what's on record is accurate... and make sure your claiming strategy is intentional.

👓 Read the blog now: https://stoneoakwealth.com/have-you-checked-your-social-security-statement-lately/

☎️🗓️ 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 Social Security statement holds more information than most people realize. Here's what to look for, how to access it, and why reviewing it now can protect your retirement income later.

06/08/2026

What if the money you're managing was never really yours to begin with? 🌳

"The earth is the Lord's and the fullness thereof." Psalm 24:1

That's not just a nice verse. It's a complete reframe of how we think about wealth, work, and responsibility.

Scripture affirms hard work. Diligence matters. But here's where it gets uncomfortable... even our ability to work, achieve, and manage well is a gift from God. "It is He who gives you the power to get wealth." Deuteronomy 8:18

We can't take credit for what's ultimately the result of His grace.

In the parable of the talents, the master didn't reward the servants for growing his net worth. He rewarded their faithfulness. Two acted with courage and trust. One buried what he was given out of fear.

The question worth sitting with: which one are you?

Do you trust God's goodness enough to act on His behalf without fear? Or is there a part of you holding tightly ... just in case He doesn't come through?

You are not the owner of what you have. You're the manager of God's resources. And that is a high calling.

👓 https://www.faithfi.com/articles/god-owns-it-all-8889

☎️🗓️ 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.

06/07/2026

Faithfulness doesn't start with a large amount. It starts with whatever you have right now. 🌳

Luke 16:10 is one of the most straightforward things Jesus ever said about money. "Whoever can be trusted with very little can also be trusted with much."

It cuts both ways.

If you've recently come into significant wealth... the question isn't just what to do with it. The question is what you were doing before it arrived. Because according to Jesus, those two things are connected.

How you handled a small paycheck tells the truth about how you'll handle a windfall. How you gave when it was tight says something about how you'll give when it's not. How honest you were with a little ... that's the pattern that scales.

This isn't about condemnation. It's about clarity.

Wealth doesn't change your character. It REVEALS it. And it amplifies whatever was already there.

The good news is that faithfulness can be practiced starting today... with whatever is in your hand right now. Not after the accounts are sorted. Not after the plan is in place.

Now. With this. Whatever this is.

☎️🗓️ 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.

06/04/2026

You can give more than cash to charity. ... and depending on what you give, the tax benefits can be significant. 🌳

If you've come into wealth recently, this matters more than you might think.

Here's a quick breakdown of what you can donate and how it's treated:
- Cash. Simplest option. Deductible up to 50-60% of your adjusted gross income.
- Appreciated stock or real estate held over a year. You can deduct the full fair market value ... and avoid the capital gains you'd owe if you sold it first.
- Ordinary income property. Deduction is limited to your cost basis, not the current value. Substantially appreciated items here are generally not the best choice.
- Tangible personal property. Deductibility depends on whether the charity actually uses it in line with their mission.
- Future interests. Generally not deductible until the charity has full possession ... with some trust-based exceptions.

Any unused deduction can carry forward up to five years.
If you're thinking about giving generously... the type of property you choose can make a meaningful difference in what you're actually able to deduct.

Talk to your tax professional before you give.

👓 Read the blog now: https://stoneoakwealth.com/types-of-property-for-charitable-deduction/

☎️🗓️ 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.

Cash isn’t your only option. Some assets offer more impact and better tax results when donated properly.

06/01/2026

The most important financial question might not be "Can I afford this?".. it might be "Can I afford to WANT this?"🌳

Every want is a potential chain. The more you need, the more leverage others have over you. Employers know you can't quit if your lifestyle requires your salary. Lenders know you'll comply to protect your credit.

👓 <https://www.faithfi.com/articles/the-surprising-power-of-wanting-less-8899>

But when you genuinely need less... those handles disappear.

A pastor once turned down a ministry position he knew God had called him to. Not because of doubt. Because his debt payments required a salary the church couldn't match. He was fully obligated to other masters... and couldn't say yes to the one that mattered.

Jesus prescribed letting go to two wealthy men. One walked away sad. One opened his hands and found freedom. The difference wasn't the amount. It was the grip.

Paul called it contentment. "I have learned to be content whatever the circumstances ... whether living in plenty or in want." Philippians 4:11-12

That's not resignation. That's a superpower.

Before you upgrade the lifestyle, stretch into the bigger mortgage, or take on the obligation that locks you in ... ask one question: What will this cost me in freedom?

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


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

05/28/2026

The cashier asks. You hesitate. You say yes. 🌳
Most people buy extended warranties out of habit or anxiety - not because they've actually thought it through. But before you add that coverage to your cart, there are some things worth knowing.

You may already be covered. Many products come with a manufacturer's warranty, and some credit cards automatically extend that coverage on eligible purchases. Paying for an extended warranty on top of that could mean paying twice for the same protection.

The fine print matters more than the pitch. Extended warranties are often loaded with exclusions, deductibles, and conditions that can get a claim denied - even when something does go wrong.

And in many cases, the better move is simply setting aside what the warranty would have cost into an emergency fund. That money stays yours if you don't need it.

Good stewardship isn't just about the big financial decisions. It's about the small ones too.

👓 Read the blog now: https://stoneoakwealth.com/are-extended-warranties-worth-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 website stoneoakwealth.com/disclosure for additional disclosures.

Extended warranties sound safe…but most people don’t realize when they pay off and when they don’t.

05/26/2026

The hero of the story was the last person anyone expected. 🌳

Jesus told a crowd about a man left for dead on the side of the road. A priest passed. A Levite passed. Then a Samaritan... the enemy... stopped.

He bandaged the wounds. Carried the man to an inn. Covered every cost. No conditions. No hesitation.

The crowd was stunned. Jesus had made the villain the hero.

Then He said something even more surprising. "In this story, I am the Good Samaritan. And you are the wounded person."

That changes everything.
We talk a lot about being generous like the Samaritan. And we should. But generosity that lasts doesn't start with trying harder. It starts with receiving. When you truly understand what Christ spent on you ... His generosity becomes the source of yours.

You were the one left on the side of the road. He found you anyway. He spent everything. And He's still spending.

Go and be generous like the Samaritan. But first... let Him be generous to you.

👓 A STORY TO READ TO YOUR KIDS: https://www.faithfi.com/articles/the-stranger-who-gave-everything-8904

☎️🗓️ 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.

05/25/2026

Some debts can't be repaid.
They can only be honored. 🌳

Memorial Day isn't about a long weekend. It's about the men and women who gave everything... so the rest of us could have something worth building.

For those of us who have built businesses, raised families, and put down roots in this country... that sacrifice is personal. The freedom to own land, pass a legacy to our children, and live according to our convictions didn't come free.

It was purchased. At a price most of us will never fully understand.

Today we remember those who paid 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 website stoneoakwealth.com/disclosure for additional disclosures.

05/24/2026

Contentment isn't a personality trait.
It's a theological conviction. 🌳

Hebrews 13:5 doesn't say "be content because you have enough." It says be content because God has said ... "Never will I leave you. Never will I forsake you."

The anchor isn't your balance sheet. It's His presence.

For someone who has spent a lifetime building ... that's a hard shift to make. We're wired to measure security in tangible terms. Acres, assets, accounts. Things we can see and count and control.

But the love of money isn't just greed. It's the quiet belief that more will finally be enough. That the next milestone will be the one that settles the anxiety.

It never is.

What Hebrews offers instead is a different kind of math. God's presence plus whatever you have equals enough. Not because the amount is sufficient ... but because He is.

Free your life from the love of money. Not by having less necessarily ... but by needing Him more.

☎️🗓️ 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.

05/21/2026

You've spent years building something worth protecting.
But when it's time to step back, who carries it forward?🌳

For many business owners, the answer isn't a family member or outside buyer. It's the people who showed up every day and helped build what you have.

An Employee Stock Ownership Plan (ESOP) lets you do exactly that - transfer ownership to your employees gradually, on your timeline, while unlocking real tax advantages in the process.

It's not for every owner.
ESOPs are complex and require the right structure and legal guidance to work properly. But for the right situation, they offer a rare combination of financial, legacy, and stewardship value.

We help business owners explore every angle of their succession plan - including whether an ESOP fits their goals, their team, and their timeline.

👓 Read the blog now: https://stoneoakwealth.com/could-employee-ownership-be-part-of-your-succession-plan/

☎️🗓️ 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.

An ESOP lets you exit your business on your terms - rewarding loyal employees, deferring capital gains, and keeping the company you built in capable hands. Here's what business owners need to know.