2025 Year-End Reflections

As the year comes to a close, I like to take time to reflect, give thanks, and prepare thoughtfully for the year ahead. These reflections are less about markets or forecasts and more about the substance beneath them. The real value of financial planning how well our resources support a life well-lived. Money, while important, is just a means to bigger ends.

My planning practice continues to grow nicely, helped along by personal introduction from existing clients. It is a privilege and a compliment when that happens. I am thankful too, for the opportunity to help more people through the work I do, which I consider sacred. I aim not only to help you protect and grow your assets, but also to provide thoughtful prompts and guidance that align your resources with your deepest values. That is what creates true abundance.

Incidentally, I currently work with about 28 client households on their long-term financial planning, along with a handful of more limited engagements. I expect my practice to ultimately support around 50 full-service clients. I’m still welcoming new people into this work, and I’m grateful when introductions happen organically through relationships. If someone comes to mind who you feel might genuinely benefit from the kind of planning and reflection I offer, I’d be happy to meet them. There's no expectation here, just an open door in case someone comes to mind.

This past year was also personally formative. It included periods of loss and transformation that invited deeper reflection on what truly matters. Experiences like these have reinforced for me that life is less about accumulation or accomplishment, and more about presence, responsibility, and how we show up for one another. Especially during periods of uncertainty and change.

That perspective directly informs how I work with clients. Financial planning is not just about optimizing outcomes, but about supporting people through the real journey of life.

I am deeply thankful for clients I work with, and for the opportunity to do work that I find meaningful.

Wishing you a thoughtful and beautiful year ahead,

Nicholas

Who I work best with:

I work best with individuals and families who value thoughtful, long-term planning and want their financial decisions to reflect what matters most to them. My clients tend to be responsible, reflective, and engaged; people who appreciate clarity, ongoing dialogue, and a steady planning relationship rather than quick answers or one-time transactions.

They are often navigating meaningful transitions, stewarding significant resources, or thinking carefully about family, legacy, and how to live well with what they have. Above all, they value trust, perspective, and a planning partnership that integrates both the technical and the human sides of money.