From the Desk of Andy Hammond

I hope this message finds you well. With recent headlines and market volatility, I understand that you may be feeling a sense of unease. Please know you’re not alone and that we are here for you.

At AAF Wealth Management, we remain focused on what matters most: your long-term financial wellbeing. We regularly run Monte Carlo simulations to stress test your personal financial plan under various market conditions. These analyses are designed to help us prepare for moments like this and ensure your plan remains resilient—even in the face of uncertainty.

Market corrections, while unsettling, are a natural part of the investment journey. History has shown us that even after the most difficult downturns, recoveries follow. This too shall pass. In times like these, it’s helpful to shift our focus to what endures: your goals, your values, and the people you love. Choose the lens through which you view each day—gratitude, optimism, and joy.

On a personal note, Becky and I are on the cusp of a milestone: our twins are just a month away from earning their driver’s licenses. Watching them grow more confident behind the wheel has been both nerve-wracking and heartwarming. It reminds me of the journey we’re on with you—guiding, encouraging, and cheering you on as you navigate life’s many turns.

Thank you for the continued trust you place in us. We’re here not just for the market updates but for the moments that matter—both challenging and celebratory.