Jason Howell, CFP®, CPWA®, CSRIC® (left); Doug Tees, MBA, CFP®, CAP®, CBDA (right) Jason Howell | Jan 7, 2026 Letter to Stakeholders, January 2026 Performance Returns Eugene Fama Efficient Market Theory Carbon Credits . As interest rates rose in 2022, we added the advantage of money market funds: lower risk with regular returns. In 2023, we added opportunities to invest with Read More