It has been an honor and pleasure to work alongside you to shape the evolution of advisory solutions. I will always cherish the strides we have made collectively and the support and collaboration all of which made this journey so meaningful. I leave MMI with deep gratitude and warm memories and look forward to my next chapter. There is a phrase a long-time colleague recently shared with me that says 'as you step into retirement, life begins at the end of your comfort zone' ... I welcome it and what is now an important philanthropic initiative with my wife Isabel. We have launched Adri Chocolates where we will divert a portion of the proceeds through a foundation to underprivileged families in Jamaica and Venezuela.