Quarterly Greetings

QUARTERLY GREETINGS

Welcome to Summer      

2024 Wealth management bulletin


Michael R. Miller, JD, CFP®
Executive Vice President
Wealth Management Head
513-932-1414 ext. 59101
mmiller@LCNB.com
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Every four years we are treated to an incredible spectacle. Large numbers of competitive people get together to work and advocate for their specific team. While there is always a great amount of commentary surrounding the events, they never seem to be without drama and controversy. There are always winners and losers, but all get credit for participating. No, I am not talking about the presidential election cycle to which we are subjected every four years but rather the international gathering of the world’s best athletes and the pageantry, showmanship, and sportsmanship that accompanies them at the Summer Olympic games.

For approximately seventeen days, every four years, we are entertained by the best athletes in the world performing their craft at the highest level. And, of course, that doesn’t include all the preliminary rounds we are able to watch. We sit on the edge of our seats as the tip of a finger touches the swimming pool wall, a millisecond before the second-place swimmer. We shake our heads in wonder as the gymnasts perform incredible feats of contortion in mid-air. We are amazed by the speed and grace of the runners.

We cheer for the soccer teams, the basketball players, and the Rugby seven. We root for our favorites, but also find ourselves appreciating the incredible efforts of that unknown athlete from that obscure country. And what about the feeling we have when one of our own steps to the highest platform during the medal ceremony while they play the Star-Spangled Banner. While the venues change, the enthusiasm and pageantry never do.

Yes, everyone loves a winner. But we also appreciate the many great performances of those who do not medal. They are all still winners. For us, seventeen days of ceremony and excitement. For many of them, the pinnacle of a lifetime of hard work and sacrifice. Years of planning, working with experienced coaches and trainers, and working long hours, sacrificing to meet that goal of performing (and sometimes winning) in Olympic competition.

Of course, if you have read my previous submissions to this bulletin series, you know this is where I try to relate the subject matter to your own financial and investment planning circumstances. And, of course, proper planning does require a great deal of hard work and the need to be surrounded by a team of people with the right experience and knowledge to make your financial hopes, dreams, and goals reach the top of the podium. But this time, I am going to leave you with a simple message. We owe a debt of gratitude to our Olympic athletes for the way they enthusiastically and productively represent our country and its ideals. They are OUR TEAM. We hope that LCNB | Wealth can be part of your team to help you achieve gold in your financial life. Here’s to the USA Olympic athletes. May God bless each and every one of them.

Hope you are having a great summer.

Thank you for your relationship with LCNB|Wealth.
Best Regards,

Wealth Team — Causes for Celebration
  • Employee Engagement and Community Involvement:
  • Junior Achievement of Ross County Golf Outing - A Hole in One! - June 2024 - LCNB | Wealth officers Brittnay Mustard-Smith and David Hopper teamed up with Kenna Hesseling and Ronda Holdren to champion Junior Achievement (JA) in Ross County at their lively annual Golf Scramble! Junior Achievement, the nation’s largest organization empowering young people with essential financial literacy and entrepreneurial skills, received enthusiastic backing from LCNB | Wealth. Together, we are shaping a brighter future in Ross County, equipping students for lifelong economic success.
  • Adopt A Class Mentor Celebration - Team Lead of the Year Finalist! - May 2024 - LCNB team members were front and center at the Adopt A Class (AAC) Mentor Celebration, joining forces with 400+ AAC Mentor Teams from across Greater Cincinnati. Amanda Luman, an LCNB | Wealth officer, stood out as one of ten nominees for AAC Mentor Team Lead of the Year. Adopt A Class partners with local schools, bridging the gap by bringing Mentors into classrooms to inspire students about career paths, life skills, and the power of consistent support. Currently, LCNB mentors a vibrant fourth-grade class at Amanda Elementary in Middletown, with plans underway to expand into a second classroom next school year.

LCNB National Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

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