Welcome to the Winter Edition of our newsletter. This season is a time for planning, taking stock of progress, and ensuring your financial strategies remain aligned with your long-term goals.

As I prepared this edition and marked a personal milestone—turning 60 this month—I find it a fitting moment to think about the importance of looking ahead, planning carefully, and staying steady through life’s changes—the same approach we strive to bring to our work with you, your family, and your business.

In this newsletter, we review the past year’s market results and explore emerging trends that may impact your investment strategy in the year ahead. In addition, we highlight the growing ways scam artists are using artificial intelligence to exploit consumers and share practical steps you can take to help protect your assets. Finally, we share a few personal updates from our team members, offering a glimpse into the people who serve you every day.

As always, we are grateful for your trust and partnership. If you have questions, I encourage you to reach out. Here’s to a successful 2026!

Best regards,

Bill

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