As we close out 2025, we want to pause and say thank you. It has been another very good year of progress toward your most important financial goals, guided not by headlines or predictions, but by a clear plan built around what matters most to you.
One of the highlights of our year was gathering together in November for our Client Appreciation Event and hearing from our keynote speaker, Clay Dyer. Clay was born with no legs and only one partial arm, yet he lives with extraordinary joy, discipline, and resolve. His simple motto — “If Clay can, I can” — has stayed with us. It’s a powerful reminder that circumstances don’t define outcomes; commitment, perspective, and perseverance do.
That same mindset supports how we approach your financial life.
We are long-term, goal-focused, plan-driven investors. Your portfolio is designed to serve your goals — not to react to economic forecasts, market noise, or the latest “burning question” of the day. We believe markets cannot be consistently timed, downturns are inevitable but temporary, and that the long-term compounding of quality businesses is best captured by staying disciplined through all seasons.
As long as your goals remain the same, our plan remains the same. We do not try to anticipate market events, nor do we adjust strategy to accommodate the latest fears/fads. History has shown — repeatedly — that patience and discipline are rewarded over time.
We are deeply grateful for the trust you place in us and for the relationships we’ve built together. It is a privilege to walk alongside you in this important work.
We wish you and your family a healthy, happy, and prosperous 2026. As always, we’re here whenever you need us.
“If Clay can, I can”
With gratitude,
Bain Nickels, CFP®, CKA®
