One of the most important parts of our job as advisors is clear, proactive communication. As we wrap up another year, our annual letter is one of the ways we try to do that. It’s a chance to step back, reflect, and share what we’ve been focused on over the last 12 months. The topics change year to year, but our north star doesn’t: keeping our clients at the center of everything we do.

In an industry that thrives on complexity and the illusion of certainty, our goal is the opposite. We want to explain things in a way that’s easy to understand. We want to be straightforward about the trade-offs that good planning and investing require, and we want you to always know what we’re focused on and why.

Everything we put out is written and created by our team. In a world full of noise and copy-and-paste content, we think it’s important to speak in our own voice — clearly, honestly, and in a way that reflects how we actually think. This letter isn’t about predicting the future. No one can do that. It’s about giving you a framework to make better financial decisions, explaining how we think about risk and opportunity, and sharing how we’re continually improving our process and our firm to better serve you.

Most importantly, all good partnerships come down to trust. You trust us with your financial goals, and we take that seriously. This annual letter is one more way we hold up our end of that responsibility: by being clear, thoughtful, and honest about what truly matters.