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

I must confess a profound bias: It starts from my decades of experience as a behavioral economist and a data scientist. I dedicated my earlier career to creating AI and using data to inform human decisions. My bias is an absolute love for Generative AI (GenAI) and I use it regularly. It is my team’s thinking partner, and we vigorously encourage our Founder’s Copilot clients to use it. Yet, amid the enthusiasm, I see confusion. Entrepreneurs face a daily, relentless challeng