Dear PFR Advisory Board Members and Supporters, First, I have really appreciated your amazing support this year. I value each of our touch points and I look forward to more in the future. 2025 was a really good year for Personal Finance Reimagined (PFR). Lots of market validation and delivery refinement. Our messaging gets better all the time and the client feedback has been positive and provides growth opportunities. The bottom line: PFR IS WORKING , our DecisionFIRST, finan