We have had an excellent year at RFG Wealth Advisory. We have a couple of new faces as well, with Michael Tull and Lanette Frost. I am looking forward to watching them help our team succeed. There are a lot of challenges, as usual, in the world and in our country; this never changes. There are also a lot of economic challenges we face today. After more than 30 years as a financial advisor, I have come to realize that there will always be challenges and crises. I always appreciate the good economic times and the good stock markets, but know that challenges will come as well. But tremendous financial success is created by owning great companies for large periods of time. Smart decision-making pays off tremendously over time. We are there for our clients to create a plan for financial success; time does the heavy lifting. When I passed my first securities exam in 1995, the Dow Jones was trading around 3800. As I write this, it is trading over 46,600. That is hard to believe! What ups and downs we have had in between but investing smartly for long periods of time pays off so well. I hope 2025 finishes strong and 2026 is good as well, but just like life we have to expect the ups and downs. We are here to help you in any way we can and I look forward to seeing all of you soon! Regards, Chris Robinson