We all know that markets are cyclical, and while a surging market can be a lot more fun, a down market is an inevitable and integral part of a well-functioning economy. Progress is never linear, and markets require periodic correction to ensure longevity. We enter 2023 immensely grateful to our clients, business partners and fellow advisors, who have been so instrumental to our success. We are confident we will not only weather the storm together but emerge the stronger for it.