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100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/a06051bf-6ba0-4e14-a591-fd6c58ce4b11.jpg" width="600" style="max-width: 1100px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table></td> </tr> </table>  </td> </tr> <tr> <td align="center" valign="top" id="templateBody" data-template-container="" style="background:#ffffff none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #ffffff;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 27px;padding-bottom: 54px;">  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;max-width: 600px !important;"> <tr> <td valign="top" class="bodyContainer" style="background:#transparent none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #transparent;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 0;padding-bottom: 0;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">   <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> <div style="text-align: center;">EDITION  3    |    DECEMBER 2018<br>  </div> <div style="text-align: center;"><span style="font-family:lora,georgia,times new roman,serif"><span style="color:#873F6F"><span style="font-size:32px">A Christmas Message from Steward Capital</span></span></span></div> </td> </tr> </tbody></table>   </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/7a973e41-9247-4fab-a6d2-4b53a2cef3b4.jpg" width="600" style="max-width: 1200px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">   <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> <span style="font-size:14px">At this time, Christians the world over celebrate the birth of the infant Christ, the son of the living God. His death and resurrection took away our sins and provided the believing community with the promise of eternal life. Christmas is a time of great joy, when families gather together, exchange gifts and share in their festivities. <br> <br> Seasons come and go. There is a time to sow, a time to harvest and a time when the fields must lie fallow.  As each year draws to a close we need to pause the frenetic activities of our daily lives, spend time with our family and friends and count our many blessings. We recharge our batteries, reflect on the year that was and make new resolutions for the year ahead.<br> <br> The past year has been challenging.  A new wave of nationalism is sweeping the world, many have been displaced through war and famine, corruption is endemic. The environment is suffering the effects of climate change and political and business leaders are motivated by greed and self-interest rather than compassion and concern for their fellow citizens. <br> <br> As we enter the Christmas season, we recall that Jesus of Nazareth instructed his followers to “do unto others as you would have them do unto you”. </span> </td> </tr> </tbody></table>   </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/657ab568-fad1-47fb-a58c-3409a1d2534c.jpg" width="600" style="max-width: 1200px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">   <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> The principle is embodied in the so-called Golden Rule or ethic of reciprocity which is a central tenet of all the World’s great religions.  If a society is to function in an orderly way, we need to respect the rights of others, always being mindful of how we would wish to be treated if the roles  were reversed.<br> <br> The Prophet Muhammad teaches that “The most righteous person is the one who consents for other people what he consents for himself, and who dislikes for them what he dislikes for himself.”<br> The Israelites are commanded in the book of Leviticus thus “Do not seek revenge or bear a grudge against one of your people, but love your neighbour as yourself”.<br> <br> The Golden Rule is not confined to the more prominent monotheistic religions, but has deep roots in eastern mysticism as well.  Siddhartha Gautama, otherwise known as Buddah, in about 500BC, said “Hurt not others in ways that you yourself would find hurtful”.  Confucius said “..never impose on others what you would not choose for yourself.”  <br> <br> A central tenet of Hinduism is the following: “One should never do that to another which one regards as injurious to oneself. This, in brief, is the rule of dharma.  Other behaviour is due to selfish desires.”  <div> </div> </td> </tr> </tbody></table>   </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/33f1067d-813a-4ccc-b53e-d64c41b664b4.jpg" width="600" style="max-width: 1200px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">   <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> A business environment is by nature adversarial and it would be naïve to believe that the pursuit of profit could focus on altruism to the exclusion self interest. Nevertheless, one can make  an honest living through hard work without crossing the line of greed or exploitation.<br> <br> Professional practitioners do not run a commercial business, but follow a calling. They undertake a special duty of care, otherwise known as a fiduciary responsibility. Selflessness is the hallmark of any profession and any accountant, attorney or medical practitioner with an ounce of integrity should instinctively place the interests of a client or patient before their own. <br> <br> However, all too often the integrity of an honourable profession is sullied by activities of the renegades , whether they embezzle trust funds, perform unnecessary surgical procedures, litigate when they have limited prospects of success, charge excessively or bill for services not rendered.<br> <br> The Institute of Life and Pension Advisers, which was the forerunner of the Financial Planning Institute of Southern Africa, had a very thought provoking creed which went along the following lines:<br> <span style="color:#873f6f"><strong>"In all of my professional relationships, I shall strive to offer the same advice and render the same quality of service to others as, in the same circumstances, I would render to myself."</strong></span><br> <br> In the Financial Planning profession, we have many competent and ethical practitioners, who follow sound processes,  avoid conflicts of interest and act in their clients’ best interests.<br> <br> Sadly, though, there are those who do not offer advice, but simply distribute products under the guise of financial advice. These are typically laden with excessive fees, presented in glossy brochures and characterised by gimmicky benefits that are difficult to quantify or compare.  To quote the old cliché, “If it seems too good to be true, then it is.”<br> <br> At Steward Capital we take our fiduciary responsibilities very seriously.  Our objective is to partner with you in navigating the turbulent waters that lie ahead, by providing you with a clear vision of the future and ensuring that you remain focused on your objectives and the required activities. </td> </tr> </tbody></table>   </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnImageBlockOuter"> <tr> <td valign="top" style="padding: 0px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner"> <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody><tr> <td class="mcnImageContent" valign="top" style="padding-right: 0px;padding-left: 0px;padding-top: 0;padding-bottom: 0;text-align: center;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <img align="center" alt="" src="https://gallery.mailchimp.com/cdd951e6a7a08b835a0f38a3f/images/6366c1ee-d7d7-4a8b-bb02-25174b63dcdd.jpg" width="600" style="max-width: 1200px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage"> </td> </tr> </tbody></table> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"> <tbody class="mcnTextBlockOuter"> <tr> <td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">   <table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer"> <tbody><tr> <td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #5b5b5b;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;"> The Golden Rule applies to all of us insofar as all our inter-personal relationships are concerned.  We certainly can’t change the world around us, but we can make a difference to all of the lives that we touch in our various daily activities.  It all begins with the values that we espouse and pass on to our children.  Society is after all made of family units who collectively determine our moral compass.<br> <br> The essential problem lies not in the values we all profess, but our failure to adhere to those values.  In other words, we need to walk the talk and do as we say.<br> <br> We wish you and your families a blessed Christmas season and God’s richest blessings at this time.  For those who do not follow the Christian faith, may this be a peaceful and joyous time to bond with your families, enjoy your well earned rest and reflect on what is truly important.  <br> <br> We look forward to continuing our journey with you. May you be blessed with health and prosperity in the year ahead. </td> </tr> </tbody></table>   </td> </tr> </tbody> </table></td> </tr> </table>  </td> </tr> <tr> <td align="center" valign="top" id="templateFooter" data-template-container="" style="background:#333333 none no-repeat center/cover;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #333333;background-image: none;background-repeat: no-repeat;background-position: center;background-size: cover;border-top: 0;border-bottom: 0;padding-top: 45px;padding-bottom: 63px;">  <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;max-width: 600px !important;"> <tr> <td valign="top" class="footerContainer" style="background:#transparent none no-repeat center/cover;mso-line-height-rule: 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PREVIOUS EDITIONS

April 8, 2025

PREVIOUS EDITIONS

Market Update: Global Tariffs

The Navigator: The Ins and Outs of Investing Offshore with Asset Swaps

The Navigator: Survival of the Fastest

The Navigator: Not the Time to Be Complacent

The Navigator: Wall of Worry

The Navigator: Power Play Performance from India

The Navigator: A User’s Guide to Unemployment Statistics

The Navigator: The Navigator: Beyond the Glitter, Understanding Gold as an Investment

The Navigator: Understanding South Africa’s New 'Two-Pot Retirement System' for Retirement Funds.

The Navigator: Would you like fries with that?

The Navigator: Election Direction

The Navigator: Market Movers

The Navigator: Reconnecting to Reality

The Navigator: SA Corporate Credit – A Bridge Too Far?

The Navigator: There is Always the Next Big Thing

The Navigator: Why Government Debt Levels Matter

The Navigator: The Fentanyl Crisis

The Navigator: The Growing Threat of Cybercrime

The Navigator: The Demographic Shift

The Navigator: The Bear Trap?

The Navigator: Heads I win, Tails you lose

The Navigator: Behavioural biases: Unravelling our irrational investment habits

The Navigator: Look both ways before you cross the BRICS Road

The Navigator: What language do you dream in?

The Navigator: Hotel California

The Navigator: What’s in the basket?

The Navigator: The Icarus Syndrome

The Navigator: The Gale of Creative Destruction

The Navigator: No Shades of Grey

The Navigator: Moonwalk Away

The Navigator: Risky Business

The Navigator: The Ultimate Bottleneck?

The Navigator 043

The Navigator 042

The Navigator 041

The Navigator Edition 040

The Navigator Edition 039

The Navigator Edition 038

Year End Greetings 2021

The Navigator 37: The Forecaster's Dilemma

The Navigator 36: An opportunity amongst growing uncertainty?

The Navigator 35: The Race to Space

The Navigator 34: Naspers and Prosus - The Discount, Deal and Debate

The Navigator 33: The Global Tax Cartel

The Navigator 32: The Infrastructure Drive

The Navigator 31: Fight instincts to back perennial winners

The Navigator 30: Spac Attack

The Navigator 29: Antitrust - the ‘Big Tech’ Debate

The Navigator 28: The story of GameStop, democratic investing and being caught by the mob

The Navigator 27: Finding the road to recovery

The Navigator 26: Capitalism and Geopolitics

The Navigator 25: Failing to Succeed...

The Navigator 24: The K-shaped Recovery

The Navigator 23: My Precious: Gold makes a comeback

The Navigator 22: The benefits of multiple investment managers

The Navigator 21: Crisis? What Crisis?

The Navigator 20: Where there’s a will there’s a way...

The Navigator 19: Covid-19, the economy and politics...

The Navigator 18: Extraordinary Times...

The Navigator 17: Blue Sky Investing – is it appropriate for us?

The Navigator 16: Sentiment and free advice, you may as well roll a dice

The Navigator 14: The Hardest Problem in Finance...

The Navigator 13: Aim Low - a fresh look at inclusive economic growth for South Africa.

The Navigator 12: Are Prescribed Assets on the Way?

The Navigator 11: Protecting your capital through a phasing approach

The Navigator 10: How do we overcome the 'SA Inc' hangover?

The Navigator 9: The Importance of Being Wrong

The Navigator 8: When Economics Meet Politics

The Navigator 7: Artificial Intelligence... or Artificial Investing?

The Navigator 6: Controlling the Controllables

The Navigator 5: On Risk, Sentiment and Geopolitics

The Navigator 4: On voting machines and weighing machines

The Navigator 3: Best Wishes for a Peaceful and Joyous Christmas and Health and Prosperity for 2019

The Navigator 2: Do Financial Advisers Add Value?

The Navigator 1: The True Meaning of Money