LS Wealth Management LLC Redefining Wealth

10/25/2026

📈 Market participation and downside risk don’t always have to be an all-or-nothing decision.

🛡️ Buffered ETFs are designed to provide exposure to a market index while offering a defined level of protection against certain losses—typically in exchange for a cap on potential gains.

🧩 Understanding where they may—or may not—fit begins with looking at the role each investment is intended to play within the overall portfolio.

🎯 It’s not simply about what you own—it’s about why you own it.

10/24/2026

A meaningful milestone: ❤️25 years in wealth management.

Thankyou to the Bryan Times for sharing our story of 25 years. The story of LS Wealth Management and the purpose behind our work.

What began with a desire to build a business has grown into a firm serving families near and far. Two premier locations Bryan and Defiance along with many clients across the country.

Through every chapter, one principle has stayed at the center: helping people understand their finances and make thoughtful decisions about what comes next.

Our proprietary,
Redefining Wealth Process ℠ brings together six connected areas: income, liquidity, investments, estate planning, taxes, and health care. We focus on pre-retirement and retirement planning, with an emphasis on education and building plans that can adapt as life changes.

Thank you to our clients, team, family, and community for being part of this journey. I’m proud of what we’ve built together and excited for what’s ahead.

Read the feature in The Bryan Times: “Stover bases wealth management on six-pillar process.”

10/23/2026

📣 2027 Social Security COLA announced

Social Security and Supplemental Security Income (SSI) benefits will increase by 3.6% in 2027. Approximately 76 million Americans are expected to see an increase in their monthly benefits.

Even a cost-of-living adjustment can affect retirement income planning. Consider how your benefits fit with your other income sources and expenses. 💙

10/23/2026

Happy Friday! ❤️

A little reminder as we head into the weekend: Wealth is about more than money. It’s also about the people, experiences, and choices that make life meaningful.

What does wealth mean to you?

Wishing you a wonderful weekend! 💙

10/21/2026

💰 Will Your Retirement Income Last as Long as You Do?

📉 Your retirement portfolio may be growing—but is your retirement income protected?

A strong investment portfolio is important. But retirement requires more than investment performance.

You’ve spent decades building your retirement savings. Now comes the challenge of turning those assets into sustainable income that can support you for 25–30 years—or longer.

Several factors can put your retirement security at risk:

📈 Inflation – Rising living expenses can gradually erode your purchasing power.

🏥 Healthcare Costs – Unexpected medical expenses and long-term care needs can significantly impact your savings.

📉 Market Volatility – Taking withdrawals during market downturns can accelerate portfolio depletion.

⏳ Longevity Risk – Living longer means your retirement income may need to stretch further than anticipated.

💡 A successful retirement isn’t just about how much you’ve accumulated. It’s about having a strategy for how that wealth will support you throughout retirement.

At LS Wealth Management, our Redefining Wealth™ approach focuses on retirement income planning, investment risk management, and tax-efficient strategies designed around your financial goals.

💙 Plan Today. Protect Tomorrow. Preserve What Matters.

📞 419-633-0955
🌐 LSWealthManagement.com

10/15/2026

🚨You Own Bonds for Stability. But Are They Really Protecting Your Retirement?

📉 Many investors rely on bonds for stability and income. But when interest rates rise, traditional bond values can decline—potentially creating unexpected risks for retirement portfolios.

🧭 At LS Wealth Management, our Redefining Wealth™ approach looks beyond traditional stock-and-bond allocations.

We explore actively managed, alternative fixed-income and all-weather strategies designed to help manage downside exposure while pursuing opportunities for income and growth as markets change.

⚖️ No single investment strategy works in every market. That’s why diversification, flexibility, and disciplined risk management matter—especially when you’re approaching or living in retirement.

💙 Because protecting the wealth you’ve built is just as important as growing it.

💬 Here’s a question worth considering: If interest rates rise or markets become volatile, do you know how much downside risk your retirement portfolio actually carries—and whether your fixed-income investments are providing the stability you expect?



Source: CNBC, October 7, 2026.

All investments involve risk, including possible loss of principal. Alternative and options-based strategies do not guarantee downside protection or positive returns.

10/15/2026

🍰 Happy National Dessert Day! 🍪

Today’s a good reminder to make room for life’s little joys—and maybe a sweet treat to share. Which would you choose: a cheesecake bar or a sprinkle-covered protein bite? 😋

10/14/2026

10/11/2026

💡Financial planning shouldn’t happen in silos.

🔗 The decisions we make about investments can affect income. Income decisions can affect taxes. Taxes can influence estate planning. Health care and long-term care considerations can change the amount of liquidity we need.

That interconnectedness is why we developed our Redefining Wealth™ Six-Pillar Process.

At LS Wealth Management, our planning conversations bring together six important areas:

💧 Liquidity • 📈 Investment • 💵 Income • 🧾 Tax • ❤️ Health • 🏛️ Estate

🤝 And behind that process is a collaborative approach—bringing together the appropriate strategies, resources and professionals to help clients see how the pieces of their financial lives work together.

Because a financial plan isn’t simply a portfolio.

🧭 It’s a coordinated strategy designed around the life you’re building, the income you’ll need, the risks you may face, and the legacy you hope to leave.

Six pillars. One coordinated plan.
That’s how we’re Redefining Wealth™.

10/10/2026

📈 When Treasury Yields Move, Your Portfolio Feels It. Is Your Fixed Income Strategy Prepared?

📉 Rising Treasury yields can create challenges for traditional bond portfolios. As yields rise, existing bond prices generally decline, reminding investors that fixed income is not always immune to market volatility.

🌐 Recent fluctuations in Treasury yields highlight why we believe portfolio construction should go beyond traditional stock-and-bond allocations.

🛡️ At LS Wealth Management, our Redefining Wealth™ approach considers alternative fixed-income strategies and actively managed, all-weather investment solutions designed to adapt as market conditions change.

🧭 Rather than relying solely on interest income or the direction of bond prices, these strategies may incorporate tactical positioning, diversified sources of return, options-based risk management, and defined risk controls.

🎯 The objective isn’t simply to withstand volatility. It’s to manage downside exposure while maintaining opportunities for growth and income across different market environments.

⚖️ No single strategy works in every market, but thoughtful diversification and disciplined risk management can help build a more resilient retirement portfolio.

💙 Because protecting wealth is just as important as growing it.



Source: CNBC, October 7, 2026.

Investment strategies involve risk, including possible loss of principal. Alternative strategies and options do not guarantee protection or positive returns.