Stone Oak Wealth Management, LLC.

11/02/2026

For decades, the stewardship conversation in the church has centered on one question: how much should I give?
It’s the right question. Generosity is central to faithful stewardship. 🌳

But a growing number of Christians are realizing that God’s ownership doesn’t stop at the portion they give away. It extends to everything... including what they save, what they invest, and how those resources work in the world before they’re ever given.

👓 Check out the article: https://www.faithfi.com/articles/new-questions-faithful-christians-are-asking-9657

That shift is producing a new set of questions:
- How do I invest well?
- If all investing has impact, how do I screen out what is harmful?
- How much financial return should I seek?
- Is pursuing strong returns faithful... or does it risk becoming self-serving?
- Should impact investments come from personal capital or charitable dollars?
- How do I bring the next generation into these conversations?

These aren’t fringe questions. The Faith Driven Investor global gathering drew more than 1,500 attendees in 2026, with events in over 100 cities. Impact investing now represents more than $1.5 trillion in assets under management globally.

The movement is real. And it’s asking something important.

Charity alone cannot solve the world’s most complex challenges. A business that honors God and serves its community well can create jobs, expand opportunity, and shape society in ways that charitable giving never could.

If business can be a meaningful way of advancing God’s Kingdom... then investments can matter too.
Not just what you give away. But how all of it works in the world.

☎️🗓️ 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.

Exploring how investments can contribute to human flourishing and Kingdom impact.

11/01/2026

Some evenings remind you why the work matters beyond the office. 🌳

Our team had the privilege of attending the 2026 Magdalena House Gala a couple of weeks ago. Magdalena House serves women experiencing homelessness in San Antonio... offering not just shelter, but a path toward stability, dignity, and restored hope.

Being in a room full of people committed to that mission was a good reminder that stewardship extends well beyond a balance sheet.

We believe wealth has a purpose beyond accumulation. Evenings like this one make that concrete.

Grateful to support the work of Magdalena House and the women they serve.

👓 Please consider giving today: https://e.givesmart.com/events/PbO/


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

10/29/2026

If you have a nonqualified annuity sitting in your portfolio... it may be able to fund your long-term care insurance without triggering a tax bill. 🌳

IRC Section 1035, as updated by the Pension Protection Act in 2010, allows you to exchange a nonqualified deferred annuity for a qualified long-term care insurance policy on a tax-free basis.

👓 Read our full breakdown now: https://stoneoakwealth.com/use-your-annuity-to-pay-for-long-term-care-insurance/

Here's how it works and what matters:
To qualify, three conditions must be met:
- The annuity must be nonqualified... funded with after-tax dollars and not part of an employer-sponsored retirement plan.
- The LTC policy must meet HIPAA and IRS requirements... guaranteed renewable, no cash surrender value, covers only qualified long-term care services.
- The exchange must go directly from the annuity issuer to the LTC insurance company. If you withdraw the funds yourself first, you lose the tax-free treatment.

You can do a full exchange of the annuity's entire cash surrender value, or make partial exchanges over time to cover ongoing premiums. Partial exchanges are more common since not all LTC carriers accept lump-sum funding.

The tax advantage is meaningful. Annuity earnings used to pay LTC premiums via a 1035 exchange are not subject to income tax at the time of transfer. This also reduces the taxable portion of your annuity going forward... which matters if you ever surrender the policy later.
And because qualified LTC benefits are generally received tax-free, you may effectively be using tax-free earnings to fund tax-free benefits.

Potential downsides to weigh:
- Surrender charges may apply on the annuity at the time of exchange.
- Drawing down the annuity reduces its ability to provide future income.
- Your heirs will have less... or nothing... from the annuity's cash value at your death.

This is a strategy with real moving parts. Talk to your advisor before completing any exchange to make sure the numbers and the structure actually work in your favor.

☎️🗓️ 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.

Most people don't realize their annuity can fund a long-term care policy... tax-free. Here's how a Section 1035 exchange works, what conditions apply, and what to watch out for before making the switch.

10/27/2026

It’s good when the people on your team show up beyond the office walls.🌳

On October 20th, our own Carly Pickett served as a panelist at Trinity University for Financial Planning Career Night, hosted by the Financial Planning Association of San Antonio and South Texas.

She sat alongside seasoned professionals, shared what she’s learned in the field, and answered thoughtful questions from students who are just beginning to consider careers in financial planning.

It was a privilege to sit alongside such knowledgeable professionals and hear the different experiences and perspectives each brought to the conversation. The students’ thoughtful questions and curiosity made the evening even more meaningful!

Thank you to Trinity University, the FPA of San Antonio and South Texas, and everyone who made this night possible.

We're grateful for the opportunity to encourage students as they explore their futures in a profession we're proud to be part of!

☎️🗓️ CALL (726) 220-5022 to speak with Carly.


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

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.