Hey

As the year comes to a close and we move into this holiday season, I wanted to pause and speak to you directly.

This year has been full—growth, challenges, learning, momentum. But when I step back and reflect on my business, there’s one thing that matters more than anything else:

You.

Your trust.

Your ability to share.

Your reading these emails and listening.

Your willingness to have honest conversations about money, life, and the future with me.

Whether you’ve been a long-time client, someone I worked with this year, or someone who’s been following along quietly—I don’t take that lightly. In a world where trust is rare and attention is scattered, choosing who you allow into your financial life is a big decision. I’m genuinely grateful you choose me.

This time of year naturally invites reflection—on what we’ve built, what we’ve learned, and what we want to carry forward. For me, it reinforces why I do this work in the first place: to help people feel more confident, more capable, and more secure in their financial lives.

Not just wealth for wealth’s sake—but clarity, peace of mind, and options.

As we head into the holidays, my hope for you is simple:

- Time with people who matter

- Space to rest and reset

- Joy and happiness and moments to remember

- And a sense of pride in how far you’ve come

Thank you for being part of this journey. Thank you for your trust. And thank you for allowing me to do work that I truly care about. I can't do it without you.

Wishing you a peaceful holiday season and a strong start to the year ahead.

I've got big things planned and I will share them with you soon.

With gratitude,

Michael and the Team