As fires rage across California, our hearts and prayers are with everyone affected. To our clients and the advisory community, we see the strength and resilience you bring, often serving as steadfast advocates for your clients. Please know that we are holding you, your clients, and all impacted individuals in our thoughts. As it says in Proverbs, "A friend loves at all times, and a brother is born for a time of adversity." This reminds us of the importance of standing together through challenges.