LSB Wealth Management

Investment Portfolio Design

Create a portfolio that fits your personality.

  • Pursue your financial goals
  • Balance growth with risk tolerance
  • Choose your level of involvement

There's a customized plan for every person.

Whether you're just starting out or you've been investing for many years, the financial professionals at LSB Wealth Management can help you pursue your financial goals. You'll have a portfolio that reflects your attitude toward risk, wealth, and savings. You can be really involved in the investment process, choosing mutual funds and stocks, or simply decide how aggressive you want to be and let us make the decisions for you. In all aspects, LSB Wealth Management is here to guide you.

Asset Allocation

Our collaborative process between members of our team with specific experience ensures that all of our strategies are well-diversified—not only among broad investment types (equities, bonds, cash, and alternative strategies) but also attempts to have the most optimal mix to work toward your objectives.

Asset allocation is important because, when investing in multiple asset classes, your portfolio may perform more consistently over time and it may address the risk of underperformance. Market conditions that can help one asset class to perform well may cause another to have average or poor returns over the same time period. And, a portfolio consisting of a diversified group of investments may be able to manage the fluctuations of investment returns without sacrificing potential gain.

Adapting to Market Conditions

We implement both strategic and tactical asset allocation strategies. The key difference between these two types of advice is the timeframe we target.

Our strategic asset allocation process looks out over a three- to five-year time period. Quarterly, we retest the strength of our asset allocation recommendations.

Tactical strategies are designed to focus over a much shorter timeframe, and potentially take advantage of opportunities quickly, sometimes within a few months. Tactical asset allocation is not the same as “market timing.” Rather, more timely changes can allow portfolios to benefit from rapidly changing opportunities within the market.

Your family’s future depends on the decisions you make today. LSB Wealth Management’s advisors have decades of experience to help with financial planning for your personal and business goals.

Investing involves risk including the potential loss of principal. No investment strategy, including diversification, asset allocation and rebalancing, can guarantee a profit or protect against loss. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio; it is a method used to help manage portfolio volatility.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against loss.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, LA, MD, MI, MN, MO, MS, NE, NJ, NY, OH, OR, PA, SD, TN, TX, VA, WI, WY.

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through LSB Capital Management, Inc., a registered investment advisor and separate entity from LPL Financial.  Lincoln Savings Bank is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the marketing name LSB Wealth Management, and may also be employees of Lincoln Saving Bank.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Lincoln Savings Bank or LSB Wealth Management. Securities and insurance offered through LPL, or its affiliates, and advisory services offered through LSB Capital Management, Inc. are: 

Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value



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