We Matter.

"Do more than belong: participate. Do more than care: help. Do more than believe: practice." -?William Arthur Ward.

Dear Investors and Friends,

As a retirement planning specialist, I have had the opportunity to work with numerous individuals and families, helping them to navigate the complexities of planning for their golden years. However, in my line of work, I often come across statistics that point to a growing issue that is increasingly affecting our aging population - loneliness.

Loneliness can take many forms, from the loss of a spouse or loved one to a lack of meaningful social connections. This issue is something that hits very close to home for me, as I have seen firsthand the impact that it can have on individuals and their families.

For example, my mother lost my father just over two years ago after a long illness. She was his primary caregiver during that time, and after he passed, she struggled to fill the void that he left behind. Although she has joined a painting class and practices yoga regularly, nothing seems to bring her the same sense of purpose and joy that she felt when he was alive. Loneliness has become a constant companion, and it breaks my heart to see her struggling.

On the other hand, my mother-in-law, whom we affectionately call "Maa," has been a beacon of inspiration for our family. Despite suffering from arthritis and knee pain, she is always up early, starting her day with prayer and exercise. She spends her days cooking, reading, and staying active, always with a positive attitude and a kind word. She is a testament to the fact that aging doesn't have to mean giving up on life.

Then there's my uncle, Santosh Mama, who is in his 60s and has become involved in volunteer work that is making a difference in his community. He helps run a dental clinic that provides free dentures to people in need and volunteers at a home for abandoned seniors. His work has shown me that even small contributions can make a big difference in the lives of others.

As I reflect on all of this, I'm reminded of the importance of building a fulfilling life, both for ourselves and for those around us. We need to embrace our imperfections and find ways to use our talents to make a positive impact on the world. Whether it's volunteering at a local charity, starting a new hobby, or simply reaching out to someone who could use a friend, we all have the ability to make a difference.

In closing, I urge you to take a moment to reflect on the ways in which you can make a positive impact on the world around you. Remember that even small contributions can have a big impact, and that we all have the power to make a difference in the lives of those around us.

Sincerely,

Kavita Bothra

Helping you think thoughts you may not have thought before.