’Twas the week before New Year, and all through the Street,
Investors reviewed how the year did compete.
The markets pushed higher, though not without tests,
A reminder that patience still serves us the best.

The year opened sober, with headlines aflame,
As fires in Los Angeles brought loss and great pain.
Communities rallied, resilience on show,
Through hardship and courage, humanity glows.

The Fed stayed attentive, with data in hand,
Watching inflation and growth across the land.
Rates held their ground through much of the year,
Then late came a cut, met with markets’ good cheer.

In April, the markets took pause for a spell,
As tariffs returned and uncertainty swelled.
A sharp correction reminded us all
That policy shifts can make confidence fall.

Yet earnings proved sturdy for firms built to last,
And markets soon steadied, just like in the past.
Volatility came, as it always will do,
Then patience was tested and carried us through.

AI pushed ahead at a blistering speed,
Transforming how businesses think, act, and lead.
Efficiency rose, new tools came to light,
While long-term investors kept risk in their sight.

Crypto found balance; less frenzy, more form,
As markets matured through both calm and the storm.
Not quite a savior, not quite passé,
Just another asset to weigh on its way.

Across the globe, tensions continued to strain,
With conflicts and unrest an ongoing refrain.
Yet despite all the turmoil and headline unrest,
International markets performed at their best.

In sports, there was glory for fans far and wide,
The Eagles won the Super Bowl, soaring with pride.
The Dodgers claimed October, a championship run,
Reminding us all how teamwork gets it done.

From screens to the stage, we said fond goodbyes,
To legends whose work shaped decades gone by.
From Redford to Keaton, to Ozzy’s last roar,
Their legacies showed us time gives no encore.

As final statements came in and results were on display,
Old lessons had a way of resurfacing, they’d say:
Diversification worked—no shock to that plan,
And staying invested beat chasing the “hot” hand.

So now as 2025 comes to an end,
We reflect on the lessons the markets still send:
That headlines will shout and certainty fades,
But strategy triumphs through cycles and trades.

We’re thankful for you, our clients and friends,
For trusting the process wherever it bends.
May your holidays shine, your goals stay in sight,
Happy New Year to all, and to all a good night!