Fairhaven Journal 2024 FALL spre : simplebooklet.com

3This material has been prepared for informational and educational purposes for our clients and friends. Please consult your Fairhaven Wealth Management professional to discuss how this may impact your own nancial plan and/or investment portfolio. This material is not intended to provide, and should not be relied upon for accounting, legal or tax advice or any other purposes. Neither Fairhaven Wealth Management nor its subsidiaries or afliates provide accounting, legal or tax advice. Please consult your tax advisor and/or attorney for such guidance. Advisory services offered through Fairhaven Wealth Management, an SEC registered investment advisor. For a copy of Fairhaven Wealth Management’s ADV Part 2 disclosure document please direct your inquiry to admin@fairhaven.com. ©2024 Fairhaven Wealth Management. All rights reserved. The information contained in this issue of the Fairhaven Journal is correct as of press time. NOTE FROM MARC HORNERWelcome to another issue of what some have called “the very best self-published magazine by an independent nancial planning and investment rm located in the western suburbs of Chicago that is approaching its 10-year anniversary”…the Fairhaven Journal!e cover presents a strong clue to the theme of this issue…the wonderful world of golf. As regular readers of the Journal already know, our theme goes deep. Scratch players, weekend hacks and non-golfers alike will appreciate the golf and non-golf related stories waiting for you.Our “front nine” kicks o with the incredibly inspiring story behind Phil’s Friends. Born out of Phil’s two-time battle and recovery from cancer, Phil’s Friends was formed to bring hope to families impacted by cancer. We continue the round encouraging the re-thinking of the college process. Since golf is a global game, we then head to Brazil as a reminder that despite the decade plus long leadership of the US stock market, other investment markets do, in fact, exist.As we make the turn, the golf theme kicks into high-gear with an article celebrating the dedication of the museum-caliber Fairhaven golf conference room. at article is worth reading closely. It is a cornucopia (when is the last time you read that word?) of historical perspectives on golf, Wheaton, Scotland, Fairhaven, and their interacting circles.Feeling a little parched, the Fairhaven Halfway House arrives just in time with a trifecta of golf-themed beverages. With the swing oil owing, custodial Roth IRAs come next. Whether the kids work the grounds crew, the caddy barn or the dining room, getting some of those hard-earned dollars into an income-tax protected bucket can be as rewarding as feathering in a hold-o cut to a front right hole location.We are dormie with the clubhouse in sight but remain focused. Several more items await including a team member prole, information on our podcast, the story behind Bear Brothers Financial Advisors (the ctional nancial advisory rm we created), our collection of Million Dollar Cup of Coee nancial literacy videos, a virtual tour of our artwork lled oce, and information on our world-class internship program. As we nish our round, shake hands and head to the 19th hole, we encourage your feedback. Give us the good, the bad and the ugly…we can take it. As always, please do not be shy about liberally sharing e Journal. Your friends will thank you.FORE!Marc HornerWealth Advisor FounderTABLE OF CONTENTS Note from Marc Horner ...............................3Phil’s Friends, Compassionate Hope............4Meet the Fairhaven Team .............................7Re-Thinking The College Process ...............8Million Dollar Cup of Coffee, Education ... 11Brazil, Awaking the Sleeping Giant .............12Fairhaven Golf Room Dedication .............. 18Golf Themed Cocktails, Recipes ................ 24Financial Planning, Custodial Roth IRAs .......28Fairhaven Museum of Art ..........................31Beer Labels, A Christmas Tradition ............. 32Team Member Prole, Matt Frederick ........ 34Fairhaven Videos, Bear Brothers ................36 Ofce Tour .................... 37 What’s in a Name? ........37Upcoming Events, Mark Your Calendar ......37Flint Rock, Storytelling Made Simple .........38Christmas Comes Early, Education ............41Fairhaven Intern Program ..........................42

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4 5I n this year alone, 1.8 million people in the United States will be diagnosed with cancer. While this statistic is intimidating, it also serves as a reminder that the horrors of this disease touch the lives of almost every American in some way. Beyond medical care, cancer patients also deserve consistent, compassionate, and individualized emotional support while they undergo treatment. One organization committed to providing this kind of support is Phil’s Friends. Phil’s Friends is a nonprot dedicated to providing Christ-centered support to those aected by cancer. e organization is 100% donation-funded, and 91% of those donations go directly toward their programs. rough Care Packages, Encouraging Cards of Hope, and their Hope to Hospitals Program, Phil’s Friends brings hope to those battling cancer by reminding them that they are both cared for, and not alone. e idea of an organization dedicated to providing this kind of care was born from Phil Zielke’s own experience with cancer. In 2004, he was diagnosed with Stage 4B Hodgkin’s Lymphoma. Aer enduring aggressive chemotherapy that seemingly eliminated the cancer, it came back in April 2005, and he had to go through even more harsh and demanding treatment. Despite the intensity of these years, Phil was inspired and encouraged by the outpouring of support he received throughout his journey battling cancer: “Going through the disease two times, there were moments that were blanketed by feelings of hopelessness. But as challenging and dark as these trials were, something hopeful and positive was born.” In June of 2009, cancer-free, Phil le his job teaching fourth grade to fully devote his time to developing Phil’s Friends. What started as a relatively small operation in Phil and his wife Carrie’s basement quickly blossomed into something much bigger. ey soon moved operations from their home out into their community, establishing the rst Hope Center in Addison, Illinois. Today there are three Hope Centers in operation—also in Wheaton, Illinois, and Crown Point, Indiana—and their ultimate THEY GET BY WITH A LITTLE HELP... Paying hope forward to those aected by cancer

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6 7goal is to have one in each region of the country. ese centers function as community hubs, where each week hundreds of volunteers gather to assemble Care Packages, color Cards of Hope, and make blankets and pillows that will be distributed to cancer patients all over the country. Aer nearly 20 years of service, Phil’s Friends has sent out over 50,000 Care Packages and over 1 million Cards of Hope. Today they are making more of an impact than ever, serving over 6,500 new patients in the last year alone. Phil has recently published a memoir called “Seeing the Good In It,” which expands upon his experience of both surviving cancer and founding Phil’s Friends. It’s now available for purchase on Amazon or directly through the website seeingthegoodinit.com. e book provides an even deeper look into the impact of this organization and the life-giving importance of the kind of work it does. If you know someone going through cancer, if you’re interested in getting involved by volunteering or attending upcoming events, or if you simply want to learn more about this wonderful organization, please visit www.philsfriends.org or call their home oce at (224) 653-8315. ey are always excited to have more people to join the cause and help them spread the message that lives at the center of everything they do: MEET THE FAIRHAVEN TEAM e best people, carefully chosen, for service and results. Gerald King Wealth Adv isor David Fluett Investment Advisor Susan Kostecki Emeritus Marc Horner Wealth Advisor and Founder Heidi Orth Client Care SpecialistGina Hornbogen Executive Administration Specialist Denise Jahns Client Care Specialist Kurt Anderson Wealth Advisor David Edstrom Emeritus JenniferTaylor Wealth Adv isor Trent Warren Wealth Advisor Blair Fuchs Wealth Adv isor Jean Lyon Client Care Specialist Lori Iwaniszyn Client Care Specialist Haley Horner Data Analyst & Operations Associate Jacqueline Pawlak Financial Planning Associate Phillip Smolinski Wealth Adv isor Michele Lantvit Client Care Specialist Sam Martyn Director of Digital Communications Bill Hornbogen Director of Tax & Accounting Michael Kronk Emeritus Paul Mardoian Wealth Adv isor Barb Schrage Client Care Specialist Upper le, clockwise: Phil Zielke, alongside his ancée and parents, draws strength from family support during his cancer treatment; A young patient beams with joy as she receives a care package, nding comfort amid her battle; Phil Zielke and his wife Carrie, with their two sons, stand before a map symbolizing the spreading of hope; Employees from M&M Home Remodeling Services volunteer to decorate and pack care packages for cancer patients, embodying the community spirit central to Phil’s Friends’ mission.

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8 9Skyrocketing college prices, ballooning student debt, and now the Free Application for Federal Student Aid (the FAFSA) is a ve-alarm asco . . . With all of the negative news about paying for college, it’s no surprise that the longstanding anxiety about college cost, debt, and return on investment has morphed into cynicism about higher education in general. A 2024 Pew Research survey found that nearly a third of Americans today think college isn’t worth it, period. And almost half of Americans think that college is less important than it was two decades ago. But the strange truth is this: For every millennial willing to sell a kidney to pay o student loans or teenager making TikTok videos to fund their college tuition, there are even more families that have found great college options that t their price range and put their son or daughter on a path to thrive as a young adult - professionally, personally, AND nancially. So, what is going on here? How can someone ensure that they end up on the right side of this stark dichotomy? e answer is both simple and complicated. Fortunately, if you grasp the simple, the complicated becomes a lot less … complicated. Let’s start with the simple part. Many people today assume that the core values of colleges and universities are no dierent than the rest of our educational system. Just like elementary and secondary schools, they think that colleges and universities are made up of public servants passing on a public good, knowledge, to the next generation. As a result, the typical family starting a college search assumes that anyone working in the college admissions process is also a public servant; ordained by their calling to help aspiring students realize their college dreams. Aer all, the word “counselor” is even in their job title. Acting on this premise, the family will naively sally forth, unaware of what lurks beyond the horizon. Because over the past few decades, higher education has shied dramatically, from a steadfast (albeit self-appointed) protector of the public good to an industry that sells knowledge as a private good, fully expecting that those who pay tuition only do so because they intend to use that knowledge to expand their own opportunity, increase their own income, or gain social standing. RE-THINKING THE COLLEGE PROCESS Focus on your child, not the college: A roadmap for success.

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10 11us, a process that once might feel like navigating gentle, mundane waters has turned into a tempestuous voyage across the high seas of market forces, with all of the actors and tendencies you’d expect to nd at a backwoods ea market, a high-stakes poker game, or on the bustling oor of the old mercantile exchange. Sellers don’t just want top dollar. ey need buyers to pay as much as they can get them to pay, just to stay in business. Consequently, they will do whatever they can to push prices as high as possible while still making a deal. at includes gathering millions of data points from everyone who expresses an iota of interest in their institution, and paying consultants and data crunchers six-gures annually to determine how high of a price each prospective student (and their parents) might be willing to pay. So what is so simple about all of that? All you have to do is adjust your expectations to t the experience you are walking into. From the day that you start thinking about your student’s college search, grit your teeth, put on your sunglasses, and prepare for battle. Know that you are entering a marketplace that is no dierent than a used car lot on a super sale Saturday or a Sunday Open House in a popular neighborhood. We all know exactly how to play our hand in those situations. If you recognize that college admissions is just a marketplace like every other, and that colleges will do whatever it takes to get what you have (your money and, if necessary, your student), you’ll be far more likely to navigate those waters successfully. en, what is the complicated part? Normally, the complicated part would be learning all of the esoteric language that college marketing departments have come up with to say one thing but mean something else, or to give themselves an “out” if they want to backtrack from what sounded at rst like an ironclad promise. Once parents know that they are walking into a marketplace, and prepare themselves to expect all of the marketing juice and salesy sauce that comes along with any marketplace, solving for the complicated comes down to two pretty simple points. 1. Know that you raised a young person whose success in life is going to come from their own hard work, initiative, resilience, and belief in themself. You didn’t raise your son or daughter to depend on a stranger’s brand name to prop up their own self image. Sixty years of research on college student success tells us the same thing: success in and aer college comes from what the student does during college and has nothing to do with the reputation of that college. Or, as Hank Williams, Jr. sang it, “Momma didn’t raise no fool.” Decide on your price range BEFORE you even sni at evaluating colleges. Figure out what you have to spend, what you want to spend given other opportunities that could also benet your student’s future, and think carefully about how you might best distribute the funds you have saved for you child to launch them into thriving adulthood (HINT: sometimes, it makes sense to invest more in their launch AFTER college than you might invest to earn a college degree). Armed with those two bits of ammunition, you’ll nd that the college search becomes a whole lot easier. Why? First of all, despite the long standing eorts of colleges and universities to keep their actual prices hidden from view until aer your student has been admitted, there are now excellent ways to nd out which colleges will t your price range, and which ones won’t. In addition to data available on the College Scorecard and each college’s net price calculator, you can nd the actual prices that colleges have charged students similar to yours at a site called TuitionFit. For the past ve years, they have been crowdsourcing actual nancial aid oers from students and families, and have now amassed a dataset of about 25,000 actual prices. Second, you’ll nd the college search to be a lot easier because now you have far more control over the outcome. You can say out loud, “this college isn’t worth the price they want us to pay” and walk away with your head held high. When you tell a school that their price isn’t something you are willing to pay, and they begin to trot out all of their marketing about how it’s so expensive to provide the education they provide, you can quote the Captain from Paul Newman’s movie Cool Hand Luke: “What we’ve got here is a failure to communicate.”WELCOME TO A PAIN-FREE FINANCIAL EDUCATION Empowering nancial freedom through short jargon-free videosFairhaven’s Million Dollar Cup of Coee website and video series is an exceptional resource that provides nancial planning and investing fundamentals for anyone seeking to understand how money can work for them. e platform started with the idea of serving teenagers and young adults. e jargon-free, short videos using relatable examples resonates with more than just high school and college age people. With titles like “It’s Tough to Look Rich and Be Rich”, “e Mirepoix of Estate Planning” and “Retirement Readiness: Mind e Gap” our nancial literacy video series is for every one of us – young or young at heart! 2 1 FAIRHAVEN VIDEO SERIES Learing is easy when its fun! See the site and video series with the scancode above.

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12 13In a world full of geopolitical tensions, inationary pressures, and collapsing banks, one major economy has been navigating the volatility remarkably well: Brazil. Aer recovering from its worst decade in more than a century, this approximately $2 trillion economy has quietly emerged as a surprise winner in the post-COVID world. Despite its central bank hiking interest rates from 2 percent to almost 14 percent, Brazil’s economy has beat market expectations for the third year in a row. We believe the country’s structural reforms over the past decade, which appear to be underappreciated by other investors, have positioned Brazil for continued outperformance. A quick look at the country’s recent economic history can help us better understand the transformation Brazil has experienced over the years. For the sake of our analysis, we will break it down into three major periods. PERIOD 1: 1990S HYPERINFLATION AND SUBSEQUENT REFORMS Hyperination raged through Brazil’s economy in the early-1990s with four-digit annual ination becoming a regular occurrence. In an eort to tame ination at the start of the decade, President Fernando Collor de Mello implemented a radical plan that included freezing 80 percent of all bank deposits. Collor had won the country’s rst direct presidential elections aer the country’s military dictatorship ended in 1985 but was soon impeached due to a corruption scandal in 1992. His vice president, Itamar Franco, took over and in our view, fortunately appointed Fernando Henrique Cardoso as the country’s nance minister. Cardoso spearheaded the now famous Plano Real, which was a series of measures designed to crush ination – such as creating BRAZIL Awaking the sleeping giant 0%1%2%3%4%5%6%Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2021 20222023Source: Bloomberg.Data represents GDP growth expectations during 2021, 2022, and 2023 for the one-year period ending December 2021, December 2022, and October 2023, respectively.EXHIBIT 1: GDP GROWTH EXPECTATIONSBrazil’s Economy Keeps Surprising to the UpsideGDP Growth Expectations

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14 15GDP per capita is still approximately 30 percent below 2011 levels. e nal nail in the con was the infamous Car Wash Scandal. An apparent routine investigation into money laundering ended up uncovering a massive corruption scandal involving state-owned oil producer Petrobras (the largest company in Brazil) and many prominent businessmen and politicians. e media labeled it the biggest corruption scandal in modern history. Dilma ended up being impeached by Congress in 2016 for breaking budget laws and her vice president Michel Temer took the country’s helm. Meanwhile, Lula was sent to prison in 2018 aer being convicted on charges of money laundering and corruption. e Economist covers from 2009 and 2021 shown in Exhibit 5 highlight Brazil’s fall from grace over the past decade. BAD TIMES LEAD TO BETTER POLICIES In our view, there was an underappreciated silver lining to this lost decade of unorthodox policy and scandal. e result was a return to a more pragmatic approach, similar to the pivot witnessed in the 1990s to address hyperination. Aer Dilma’s impeachment in 2016, Brazil’s next two presidents – Michel Temer and Jair Bolsonaro – appointed technocrats to help turn around the economy. From 2016-2022, we believe Brazil implemented some of the most ambitious economic reforms within emerging markets. SOE POLICY Brazil has more state-owned companies than most major economies, which is problematic because SOEs are highly prone to political meddling, inecient operations, and a new currency and tightening monetary policy. e program was, in our view, a great success with ination collapsing from approximately 2,500 percent in 1993 to 2 percent in 1998 and then remaining below 10 percent for most of the next three decades. Cardoso served as Brazil’s president from 1994-2002 and accelerated the reforms. Inheriting a country exiting a turbulent period, Cardoso made signicant long-lasting improvements, including the sale of several state-owned enterprises (SOEs) in a major privatization program. For example, he privatized Brazil’s state-owned mining rm, Companhia Vale do Rio Doce (now simply known as Vale, the largest iron ore miner in the world) in a landmark 1997 initial public oering. en came the 2002 presidential elections, where an elementary school dropout, steel worker, and union leader named Lula da Silva succeeded Cardoso to become Brazil’s next president. PERIOD 2: 2000S BULL MARKET UNDER PRESIDENT LULA Initially, markets panicked at the prospect of Brazil’s rst working-class president; the Brazilian real collapsed nearly 40 percent in the months leading up to his victory. Aer all, Latin America has a long history of failed socialist policies and Lula had all the hallmarks of a radical leist, such as a close friendship with Cuba’s Fidel Castro and constant criticism of US economic policies. However, markets ended up miscalculating as Lula turned out to be a pragmatist. Aer winning the election, Lula continued Cardoso’s orthodox economic policies, surprising many with his market-friendly approach. As he once famously said, “I’m not ashamed to change my mind. I prefer to be a walking metamorphosis and change whenever the facts change.” Powered by a commodity bull market and a stable political environment, Brazil became one of the best performing stock markets in the world during his presidency. President Lula’s pragmatic economic policies helped to grow Brazil’s foreign reserves nearly tenfold to $300 billion. e reserves helped Brazil navigate less robust economic environments and allowed for more degrees of freedom in its scal approach. Furthermore, his policies and social development programs helped li over 20 million Brazilians out of poverty during his eight years in oce. Unfortunately, the good times did not last forever as Lula’s handpicked successor, Dilma Rousse, lacked his pragmatism. PERIOD 3: 2010S CAR WASH SCANDAL AND SUBSEQUENT REFORMS Lula stepped down at the height of his popularity in 2010 and helped Dilma Rousse, a former Marxist guerilla, become Brazil’s next president. While she started o well, Dilma gradually abandoned orthodox economic policies, such as ination targeting and balanced budgets. Instead, she used subsidized lending to promote growth, ignored pro-business reforms, froze prices, and constantly intervened in state-owned companies. At one point, Brazil’s development bank (BNDES) became bigger than even the World Bank. en commodity prices collapsed in 2014, which destroyed any hope of an economic recovery and eventually caused Brazil’s sovereign debt to be downgraded to junk status. A decade later, Brazil’s Brazil’s economy quietly emerged as a surprise winner in the post-COVID world, beating market expectations for the third year in a row.Source: BBC, Guardian.8, 9EXHIBIT 2: LULA’S RISE TO POWERLula’s Union Ties (Left) And Friendship with Fidel Castro (Right) Worried Investors05001,0001,5002,0002002 2003 2004 2005 2006 2007 2008 2009 2010Ibovespa S&P 500Relative Performance:Ibovespa: 42% CAGRS&P 500: 4% CAGRSource: Bloomberg. For the time period October 28, 2002 through December 30, 2010. You cannot invest directly in an Index. Past performance may not be an indicator of future results. EXHIBIT 3: USD RETURNS DURING LULA PRESIDENCYBrazil’s Equity Market Massively Outperformed Global Peers under Lula02,0004,0006,0008,00010,00012,00014,0001992 1997 2002 2007 2012 2017 2022Source: Bloomberg. For the time period December 31, 1992 through December 31, 2021.EXHIBIT 4: BRAZIL GDP PER CAPITA (USD) Brazil’s Economy Still Has Not Recovered to Prior PeaksEXHIBIT 5: ECONOMIST COVERS FROM 2009 VERSUS 2021Brazil’s Economy Contracted Sharply during the 2010s2009 2021

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16 17poor capital allocation decisions. ey also crowd out private sector investments that tend to be more ecient. Aer the Car Wash Scandal, the government acted aggressively to manage its SOEs via legislation, reforms, and privatizations. In 2016, Brazil passed a law to protect SOEs and their minority shareholders from political interference. As the biggest SOE and the epicenter of the Car Wash Scandal, we believe Petrobras is a great case study of these reforms. Aer nearly going bankrupt during the Dilma administration, the company appears to have been completely turned around over the past few years. Petrobras hired experienced executives, cleaned up its balance sheet, improved corporate governance, and divested non-core assets. As a result, Petrobrasmade as much money as Chevron (a company with 3 times the market cap) last year and paid ~$60 billion in dividends since 2021 relative to its current $100 billion market cap. Regarding privatizations, Brazil sold o dozens of SOEs including Eletrobras, the largest power utility in Latin America. FISCAL POLICY Brazil passed a series of much-needed reforms to tackle its mounting scal decit. For example, aer decades of attempts, the country nally passed a landmark pension reform bill in 2019. Brazil’s pension is one of the most bloated globally and previously accounted for approximately 45 percent of the federal government’s budget. is bill alone is expected to save the government nearly $200 billion by creating a minimum retirement age, increasing worker pension contributions, and other important elements. MONETARY POLICY Brazil’s central bank ocially gained autonomy from the executive branch in 2021. Previously, the central bank’s governor served at the president’s will and had no xed terms, which allowed politicians to inuence monetary policy. Full independence allowed Brazil’s central bank to react quickly and aggressively to the post-COVID spike in ination by raising interest rates 1200 basis points within 18 months. As a result, Brazil’s ination rapidly collapsed, allowing the central bank to start cutting rates well ahead of most developed markets. Furthermore, the Brazilian real performed well recently despite signicant Federal Reserve rate hikes, recession fears, and political uncertainty. In contrast, the same currency imploded within weeks at the mere hint of rate hikes during the 2013 taper tantrum and was deemed one of Morgan Stanley’s Fragile Five currencies. BUSINESS POLICY For business owners, Brazil has what we think is a well-deserved reputation for being a dicult country to operate in. While the government announced several major initiatives over the past few years to improve the ease of doing business, we believe there is still a lot more work to be done. However, in 2017, the country passed its rst major labor reform bill in decades. e bill diluted collective bargaining, gave companies (30,000) (20,000) (10,000) - 10,000 20,000 30,000 40,0002010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022Source: Morgan Stanley. For the time period 2010 through 2022.EXHIBIT 6: PETROBRAS FREE CASH FLOWPetrobras’s Cash Flow Generation Improved Materially Post-ReformsUSD millions-20%-10%0%10%20%May 2013 Jun 2013 Jul 2013 Aug 2013 Sep 2013Source: Bloomberg. For the time period May 2013 through September 2013.EXHIBIT 7: USD/BRL DURING 2013 TAPER TANTRUMBrazil’s Currency Was Hit Hard When the Fed Discussed Raising Rates in 2013more control over workers’ hours, and reduced the scope for legal action in labor disputes. Similarly, in 2020, Brazil’s central bank launched an electronic payment scheme called PIX to reduce reliance on cash transactions. In under three years, 80 percent of the adult population has used the system and payment volumes are approximately 5 times greater than those for debit and credit cards combined. In fact, Brazil had the fastest adoption rate for electronic payment systems globally. Not bad for an emerging market! SO WHERE ARE WE TODAY? History may not always repeat, but we think it oen rhymes. We believe the Brazil of today shares many similarities with the Brazil of 20 years ago. DECADE OF REFORMS Like in the early 2000s, Brazil has just undergone a complete restructuring of its economy aer a major blowup. People oen forget that it takes time for reforms to translate into improved economic growth. For example, in a recent white paper, we discussed India’s economic reforms under the Modi administration. It took several years for the Indian economy to turn from a laggard into the powerhouse it is today. Similarly, we do not think it is a coincidence that the Brazilian economy keeps surprising to the upside despite materially higher rates. LULA ELECTION FEARS Similar to 2002, markets panicked at the prospect of a Lula presidency in 2022. However, like in his rst two terms, Lula has largely maintained a balanced approach with his economic policies. For example, his administration is targeting a balanced budget next year – in contrast to most developed markets. Furthermore, a powerful, right-leaning Congress has promised to keep in place the reforms from the prior decade. COMMODITY TAILWINDS As discussed in prior white papers, we believe commodity prices will remain higher for longer. While a sluggish Chinese economy will likely keep a ceiling on commodity prices, we believe a tight supply/demand environment will help commodity exporters like Brazil. Furthermore, Brazil has been at the forefront of the energy transition with hydropower supplying approximately 65 percent of its electricity demand. ATTRACTIVE VALUATIONS WITH HIGH-DIVIDEND YIELDS Despite strong fundamentals, Brazilian equities still trade at highly depressed valuations. At the country level, the Ibovespa trades at 8 times earnings per share (EPS) versus 11 times over the past decade with a 7 percent dividend yield. At the company level, Petrobras trades at 4 times EPS with some of the highest-quality oil assets in the world. As reference, CNOOC trades at a similar valuation despite being a sanctioned Chinese state-owned oil company. Similarly, BTG Pactual – one of the largest local banks – trades at 10 times EPS despite growing earnings at a nearly 30 percent CAGR over the past 5 years and generating an approximately 20 percent return on equity. MONETARY STIMULUS Brazil’s central bank, in our view, has been far ahead of the curve when dealing with ination. It hiked interest rates well in advance of global peers and is now cutting interest rates. We expect lower interest rates to drive further economic growth and an increase in equity market valuations. We believe these reforms are even more impressive when compared to the economic deterioration in the developed world. While Brazil is privatizing some of its utilities, Europe is nationalizing some of theirs. France’s government recently took over EDF, its biggest power utility. In addition, the UK was considering the nationalization of ames Water, its largest water utility. We also note that European politicians have been slapping windfall taxes on certain banks and energy producers. Even in the US, certain nancial institutions had diculty navigating a rate hike of 500 basis points, which was far less onerous than the monetary tightening that we believe the Brazilian banks managed with relative ease. THERE’S NO FREE LUNCH Despite the promise, we believe it is always important to remember that Brazil is still an emerging market and unlikely to ever be a smooth ride. In our opinion, the biggest risk is a global economic slowdown, which would negatively impact demand for many of Brazil’s key commodity exports. e other risk is backtracking of reforms. Change tends to happen slowly in Brazil, so we will be monitoring any deterioration closely. Overall, while the markets and media remain highly pessimistic on Brazil’s outlook, we believe the country oers some of the most attractive investment opportunities in the world. Reprinted with permission from GQG Partners -20%-10%0%10%20%Jan 2021 Jul 2021 Jan 2022 Jul 2022 Jan 2023 Jul 2023Source: Bloomberg. For the time period January 2021 through October 2023.EXHIBIT 8: USD/BRL DURING POST-COVID FED HIKESBrazil’s Currency Was Largely Range-Bound Post-COVID Despite Massive Fed Rate Hikes

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18 19That golf and nancial services go together is likely not an earth-shaking revelation. e children of Fairhaven founder, Marc Horner, once commented to him, “Have a good ‘work trip’, Dad” as they watched him walk out the door headed for the airport with briefcase and golf clubs in-hand (yes, they used air quotes when they said “work trip.”) But few nancial services rms can claim their roots |are in golf…literally. e Fairhaven Wealth Management oces are located just west of the corner of Roosevelt and Naperville Roads in Wheaton, Illinois. In the rst half of the 1900s, Green Valley Country Club was located at the same spot. In 1919, Edwin “Uncle Ed” Kelly became the manager of Green Valley, a position he held for many years. Unfortunately, Green Valley fell on hard times. Aer the club went out of business the land was developed into single family homes by Graeme Stewart in the 1950s. However, a nod to Green Valley remains. Kelly Park, located just down the street from the Fairhaven oce and a favorite destination of Fairhaven team members during their regular early aernoon walks, was named in honor of Green Valley Country Club leader, Uncle Ed Kelly. Golf is a common thread running through the Fairhaven client experience. e most prominent example is the rm’s wildly successful Halfway to St. Patrick’s Day Charity Golf Invitational, conceived and launched in 2020. e annual event is held at Arrowhead Golf Club in Wheaton and raises money for rst responders and their families. Learning this common thread of golf extended to their physical oce location, Fairhaven decided to design one of its conference rooms as an homage to golf in Wheaton. Never a rm to take half measures, Fairhaven rst called on the advice of Michelle Podkowa, manager of the DuPage County Historical Museum. “e team at Fairhaven are remarkable supporters and active participants in the Wheaton and greater DuPage County communities,” comments Michelle. “at they started their project by setting the bar to create a museum-caliber golf experience, albeit in a single room, is completely consistent with their ‘think big’ c u l t u r e .” Michelle Podkowa of the DuPage County Historical Museum was one of many luminaries from the City of Wheaton who joined the Fairhaven Team for the dedication of their golf-themed conference room. Others included Phil Suess (Wheaton Mayor), Mike Benard (Wheaton Park District), and Terry Hanley and Je Reiter (Cantigny). THE FAIRHAVEN GOLF ROOM History & Dedication

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20 21An important resource shared with Fairhaven was the book, “Wheaton, Illinois: Golf History Starts Here.” While ocially a book produced by the DuPage County Historical Museum, the piece was a passion project of longtime Wheaton resident, history enthusiast and golf nut, the late Bob Jacobsen. Before Bob’s passing, Fairhaven was fortunate to talk with Bob about his personal and professional journey from Staten Island, New York, to Wheaton, Illinois. ose conversations were produced into three separate episodes on our podcast “e Local”. For anyone with an appreciation of history, the discussions with Bob are worth a listen: www.fairhavenwealth.com/podcast. e book, “Wheaton, Illinois: Golf History Starts Here,” is a remarkable chronicle of the global golf story and the role played by our little midwestern hamlet of Wheaton. A few paragraphs attempting to summarize the work put into the book will fall sadly short. However, what is waiting for you in the book is a walk-through history that includes the surprising connectivity between Chicago architect Daniel Burnham, the father of American golf course architecture Charles Blair Macdonald, the creation of the predecessor to your 7-iron and the rst ever American female Olympic gold medalist…each with Wheaton connections. And if that was not enough, the book is deemed such an important part of global golf history that a copy was welcomed to the collection of e Royal and Ancient Golf Club of St. Andrews in the Kingdom of Fife in Scotland. e book is worth a read. Today, Wheaton is home to three premier golf courses, each a premier facility within their own golf category; Arrowhead Golf Club (Park District), Cantigny Golf (public) and Chicago Golf Club (private). Arrowhead was originally built in the 1920s by Ralph Weimer and his family using the then cutting-edge technology of horse-drawn plows. e original name of the course was the Antlers Club but that was quickly changed to Arrowhead Golf Club in 1929. In 1982, the Wheaton Park District purchased the property in order to preserve 221 acres of open space to be enjoyed by members of the Wheaton and surrounding communities. at original mission of preservation and enjoyment continues today as an outstanding golf complex with 27 holes and practice facility. In the winter, golf gives way to a beautiful cross-country skiing layout. Another 27 holes and a year-round practice facility can be found down the road at Cantigny Golf. Located on the former estate of Robert R. McCormick (1880-1955) and part of the Robert R. McCormick Foundation, the rst tee-shot at Cantigny Golf ew in 1989. Golf Digest named it the “Best New Public Course in America.” Since then, the awards and prestigious events held at Cantigny Golf include U.S. Amateur qualiers and U.S Open qualiers for both men and women and e Illinois State Amateur…ve times. e golf professionals at the Cantigny Golf Academy are regularly recognized for their teaching skills, and Cantigny Youth Links oers nine holes just for kids. e golf complex sits next to Cantigny Park, a 500-acre center for recreation, learning and civic engagement. e property features the McCormick House, the First Division Museum and spectacular gardens. Chicago Golf Club is the oldest 18-hole golf course in North America and one of the ve founding clubs of the United States Golf Association (USGA). “Golf is a common thread running through the Fairhaven client experience” Upper le, clockwise, the Who’s Who Roster of Attendees included Wheaton Mayor Phil Suess, Cantigny GM Terry Hanley, Arrowhead Director of Golf Bruce Stoller, Manager of the Dupage County Historical Museum Michelle Podkowa, members of the McWethy family, Executive Director of the Wheaton Park District Mike Benard, CEO of Wheaton Bank Bob Hutchinson and Caroline Jacobsen whose late husband Bob was instrumental in documenting Wheaton golf history

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22 23In 1872 at age 16, Charles B. Macdonald le Chicago to attend St. Andrew’s University in Scotland. ere his passion for golf bloomed under the tutorship of Old Tom Morris and competing against Young Tom Morris. To help non-golfer readers understand these Morris references, Old Tom is also known as “e Grand Old Man of Golf” and the father/son duo are referred to as “Golf ’s Founding Father and Son.” To refer to Old and Young Tom as golf royalty is not an overstatement. A Fairhaven Wealth Management connection even exists with the designer of Chicago Golf. Macdonald returned from Scotland to Chicago where he became a successful stockbroker (OK, stockbrokers and nancial advisors aren’t exactly the same. For this story, we think they are close enough). e “exhibits” in the Fairhaven golf conference room include art pieces commemorating each of Wheaton’s three golf courses. e piece honoring Chicago Golf is uniquely personal as it contains golf items belonging to a friend of Fairhaven, the late Jim McWethy. Jim was such a lover of golf, he envisioned, developed and operated Mistwood Golf Club located in nearby Romeoville. Mistwood is another highlight of the Chicago golf scene having been selected as Golf Magazine’s “Renovation of the Year,” one of Golf Digest’s “Best New Courses,” and one of Golf Range Magazine’s “Top 50 Public Ranges.” Pay careful attention to the Cantigny Golf piece. e steel version of Cantigny’s oak leaf logo contains an etching of comic strip character Dick Tracy. e signature hole at Cantigny, Lakeside No. 9, features the “Dick Tracy” fairway bunker. Philanthropist and Cantigny benefactor Colonel Robert R. McCormick was the longtime editor and publisher of the Chicago Tribune, where the Dick Tracy strip appeared. To honor Arrowhead, Fairhaven commissioned a hand carved wooden arrowhead. e piece was created by “Carver Doug,” the same artist who produced the six foot diameter carving of the Fairhaven logo that hangs in the Fairhaven oces. Other projects by Carver Doug include a banjo for the comedian Steve Martin, sculptures for media mogul Merv Grin and the clubhouse table featured in the Sons of Anarchy television series. e connection between comedians, media moguls, outlaw motorcycle clubs and Fairhaven is so obvious, it is embarrassing to even point it out. at is not all. Wandering around the Fairhaven golf conference room/museum, visitors will also nd a wide range of vintage golf clubs donated by “friends of the rm.” You will also nd two putters from St. Andrews in Scotland (which will make perfect sense aer reading “Wheaton, Illinois: Golf History Starts Here”). And you will also nd a golf bag constructed from pin ags from each of the three Wheaton golf courses. Built by the FlagBag Golf Company (www.agbaggolfco.com) in partnership with Macdonald Leathergoods (www.macdolandleathergoods.com), the bag was recently proclaimed by Wheaton Mayor Phil Suess as the “Unocial Golf Bag of the City of Wheaton.” e next time you nd yourself in Wheaton, Illinois, please feel welcome to stop by the Fairhaven oce. Whether a golf nut, history bu, art appreciator or a bit of each, you will not be disappointed.

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24Get ready to toast your way through the front nine, back nine, and everything in between with these golf-themed cocktails that are sure to up your game. Whether you’re celebrating a birdie or drowning the sorrows of a double bogey, these drinks bring the spirit of the sport right to your glass. From the minty, bourbon-forward “Fore to the Right” to the tropical, refreshing “On in Two,” and the bold, tiki-style “Dreaded 3 Putt,” there’s a perfect sip for every type of golfer. So grab your favorite club, nd your best drinking buddy, and enjoy the best round of cocktails you’ll ever have! With these drinks in hand, even a rough day on the course feels like a win! Bon appetit! > HAZARD-FREE HAPPY HOUR Professional Chefs Extraordinaire Shanna and Brian O’Hea Shanna and Brian O’Hea are the Chef-Owners of MaineLobsterPotPie.com, a website the O’Heas developed to ship their fresh lobster signature dishes from their critically acclaimed restaurant Academe at e Kennebunk Inn. e O’Heas owned e Kennebunk Inn and Academe Brasserie for 19 years and recently sold the business in December 2021. However they retained ownership of the overnight shipping business and are continuing to develop its oerings. e signature Lobster Pot Pie has been featured in Oprah Magazine as one of Gayle King’s favorites, on Food Network’s “e Best ing I Ever Ate,” Travel Channel’s “Food Paradise,” and 2014 Travel and Leisure Holiday Gi Guide. eir Lobster White True Pizza has appeared on the “O List” in Oprah Magazine and was also featured on Travel Channel’s “Food Paradise.” e O’Heas have gained international recognition by participating in cooking programs around the world including: e Boca Bacchanal, e Walt Disney World Epcot International Food and Wine Festival, Holland America Cruise Line, Sugar Land Texas Grand Food & Wine Aair and Charleston Food & Wine. Shanna has appeared on Food Network’s “Chopped,” “Beat Bobby Flay” and winner of “Rewrapped.” e Food Network named e Kennebunk Inn #3 best Food Hotels in the Country, March 2019 and Trips to Discover listed it within 14 US hotels with top-rated restaurants, April 2021.25

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28 29In today’s complex nancial landscape, and with uncertainty for Social Security benets for younger generations, planning for the future has become more critical than ever. One investment vehicle gaining popularity among forward-thinking families is the Custodial Roth IRA. is tool not only oers the traditional benets of a Roth IRA but also provides a unique opportunity to start saving for a child’s retirement early. Understanding the advantages of Custodial Roth IRAs, and how they compare to other investment options, can empower Fairhaven families to make informed nancial decisions. WHAT IS A CUSTODIAL ROTH IRA? A Custodial Roth IRA is a retirement account set up for a minor with the help of a custodian, usually a parent or guardian. e account is essentially the same as a standard Roth IRA, with contributions made using aer-tax dollars. e earnings grow tax-free, and qualied withdrawals in retirement are also tax-free. e primary dierence is the custodian manages the account until the minor reaches the age of majority, typically 18 or 21, depending on the state. It is important to note the minor child must have earned income for a contribution to be made (Lesser of 100% of income or $7,000 in 2024). ADVANTAGES OF CUSTODIAL ROTH IRAS 1. Tax-Free Growth and Withdrawals: Like standard Roth IRAs, the contributions to a Custodial Roth IRA grow tax-free, and qualied withdrawals in retirement are also tax-free. is can result in signicant savings over the long term. 2. Early Start on Retirement Savings: Starting a retirement account early allows the power of compound interest to work its magic. Even modest contributions made during a child’s teenage years can grow substantially by the time they reach retirement-age. 3. Flexibility: While Roth IRAs are designed for retirement, they oer exibility in terms of withdrawals. Contributions, but not earnings, can be withdrawn at any time without penalties or taxes. is can be benecial in case of nancial emergencies or signicant life events. 4. Educational Opportunity: Managing a Custodial Roth IRA can be an excellent educational tool. It provides a practical way to teach children about saving, investing, and the importance of long-term nancial planning. CUSTODIAL ROTH IRAs A Pathway to Early Financial Empowerment

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30 31COMPARING CUSTODIAL ROTH IRAS TO OTHER INVESTMENT VEHICLES When evaluating Custodial Roth IRAs, it’s essential to consider how they stack up against other popular investment options like traditional custodial accounts (UGMA/UTMA), Roth 401(k)s and 529 plans. 1. Custodial Accounts (UGMA/UTMA): ese accounts allow parents to save and invest on behalf of their children, transferring full control to the child at the age of majority. e funds can be used for any purpose, but they lack the tax advantages of a Roth IRA. Earnings in custodial accounts are subject to the “kiddie tax,” which can diminish returns. 2. Roth 401(k)s: ese employer-sponsored plans combine features of traditional 401(k)s and Roth IRAs, allowing for higher contribution limits and employer matches. However, they are typically not available to minors and are tied to employment. For young individuals, Custodial Roth IRAs are more accessible and oer greater exibility. 3. 529 Plans: ese are specically designed for education savings and oer tax-free growth and withdrawals for qualied education expenses. While 529 plans are excellent for college savings, they lack the exibility of Roth IRAs, which can be used for any purpose aer age 59½ without penalties. However, non-qualied withdrawals from 529 plans incur taxes and penalties on the earnings. WHY CHOOSE A CUSTODIAL ROTH IRA? Custodial Roth IRAs provide a unique combination of tax benets, exibility, and early nancial education, making them an attractive option for forward-thinking families. By allowing children to start saving early, parents can give their children a signicant head start on their nancial future. A single $7,000 contribution (maximum for 2024) for a 16-year-old, would grow to $224,000 by age 61 and $448,000 by age 70, assuming an 8% rate of return. Additionally, the exibility to withdraw contributions without penalties provides a safety net that can be invaluable in times of need. Custodial Roth IRAs can be an excellent investment vehicle for parents looking to teach their children the value of saving while leveraging the benets of tax-free growth and withdrawals. For Fairhaven families planning for the future, exploring the possibilities of a Custodial Roth IRA could be a game-changer, paving the way for long-term nancial stability and success. While we’ve primarily focused on Roth IRAs for minors, this is also true for young adults already at the age of majority, such as college students and/or recent graduates. e moral of the story: e earlier, the better!“By allowing children to start saving early, parents can give their children a signicant head start on their nancial future.”From the Fairhaven art collection, Christian Weber’s High Rate of Return? oers a wry commentary on the realm of nance. A bulldog, implausibly attired in human garb, is ensconced in a scene of simulated professionalism. Yet the canine’s posture, uncertain eyes, and tantalizing tennis ball subtly undermine the illusion of competence. Weber’s tableau invites viewers to question the motivations and qualications of those entrusted with managing our nancial well-being. Just how seriously does this dog take his duciary responsibility? With obvious allusions to Cassius Marcellus Coolidge’s kitschy Dogs Playing Poker, Weber’s work serves as a visual allegory and cautionary tale, urging us to approach the world of investment with a prudent attitude and a critical eye—a perspective strongly encouraged by skilled and knowledgeable nancial advisors. We invite you to visit the Fairhaven Wealth Management oce during regular business hours to experience this extraordinary piece and other exceptional artworks in person. Until your in-person visit, you can take a virtual tour of the Fairhaven oces here:FETCHING FINANCIAL SECURITY A cautionary tail Christian Weber High Rate of Return?, 2017 oil on canvas FAIRHAVEN MUSEUM OF ART

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34 3525Matt Frederick may be a relatively new member of the Fairhaven team—having only joined in November of 2023—but when it comes to nancial planning, he’s no rookie. An Illinois native, Matt lives in Glenview with his wife (and high school sweetheart), Lisa, and their Golden Retriever, Emerson. e couple enjoys working outside together in their yard and garden, exploring Glenview by bike, and spending time with their two adult children who also live and work in the Chicagoland area. Outside of his family, one of Matt’s greatest passions is soccer. In college he played for Southern Methodist University, where they were Division I quarter nalists three of the years he was on the team. His love for the sport has spanned nearly his entire life: he started playing at seven years old and never stopped. Currently, he plays on an Over-40 Club team with many other former collegiate players. He also volunteers as the goalkeeper coach for the boys varsity soccer team at his alma mater: Evanston Township High School. Soccer has always been an important part of Matt’s life, and his love of the sport has also inuenced his approach to his work: “ere is no denying that being a coach and goalkeeper for over four decades parallels how I approach working with my clients as both a nancial coach and as a last line of defense for their respective nancial matters.” Matt brings over 30 years of experience to his role as a senior wealth advisor and retirement strategy specialist. He works with individuals, families, and small to mid-sized business owners to help them achieve their nancial goals. By creating a game plan that considers their nancial present and future objectives, he helps his clients build and maintain investment portfolios to achieve their goals over time. While Matt came to Fairhaven with a lot of experience under his belt, the unique culture of the rm was immediately apparent to him: “Everyone, from top to bottom within the organization, is engaged in not only the success of every advisor’s practice, but also in great client experiences for everyone that entrusts Fairhaven as their primary nancial partner.” At a rm like Fairhaven, which prides itself on having a true “team” mentality, Matt ts right in. ACCOUNTABILITY, PERSPECTIVE & TIMING Matt Frederick, Wealth Advisor & Retirement Strategy Specialist Matt Frederick, SMU goalkeeper in 1989, defends the goal against Texas Christian University. in a heated match for Dallas-Fort Worth bragging rights. SMU emerged victorious with a commanding 3-0 win, asserting their dominance over one of Texas’ top Division 1 rivals.

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36 37Fairhaven was founded with a clear mission to challenge the status quo of the wealth management industry. We are committed to redening our responsibilities towards our clients, and revolutionizing the way we communicate with them. We strive to be dierent from the rest, and our dedication to excellence drives us to continually improve. To highlight some of the practices that we aim to avoid, Fairhaven has created a series of satirical yet suprisingly accurate videos of the conventional approaches adopted by some other rms. ese humorous depictions are a reminder of the importance of doing things dierently and setting a new standard for our clients. Go to: fairhavenwealth.com/bear-brothers or scan the code above. WE’RE NOT JUST ANOTHER... Our humorous take on wealth management worldOFFICE GOALS: CREATIVITY MEETS CLIENT CAREYou’ll enjoy a tour of our workplace...seriously!They say a picture is worth a thousand words, but actually experiencing the award-winning Fairhaven oce in Wheaton, Illinois, is truly something special. While many companies claim a unique approach, Fairhaven’s is evident from the moment you step inside. e creativity and attention to detail in our oce embody how we approach our business and our dedication to delivering an unparalleled client experience. Can’t make it in person? Immerse yourself in the Fairhaven experience through our virtual oce tour video series. And MTV Cribs fans, don’t miss the nal scene of the last video! Check out the series using this code:WHAT’S IN NAME? Family ties, nancial wisdomEver wondered how companies pick their monikers? “What’s in a Name” lis the curtain on this branding enigma. While many roads lead to a company name, Fairhaven Wealth Management took a detour down memory lane. Forget focus groups – Founder Marc Horner looked to his beloved grandparents for inspiration. e result? A name that packs a double punch: “Fairhaven.” It’s not just a family tribute; it’s a nancial mission statement in two syllables. “Safe port,” anyone? is tting choice proves that sometimes, the most powerful branding comes from the heart, not the boardroom.. Check out the video using this code: FAIRHAVEN VIDEO SERIES FAIRHAVEN VIDEO SERIES

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38 39Did you know that over 51% of people in the United States have listened to a podcast at some point in their lives? is rapidly-growing form of media is not only widely accessible—thanks to a designated app in most smartphones—but it also encompasses an endless range of interests. From daily news updates to book reviews to celebrity gossip, there’s truly a podcast for everyone. Both Meg Goodman and Mark Long, the team behind Flint Rock LLC, have long understood the potential in podcasts: “there’s a human desire hard-wired into all of us to connect with each other through storytelling—it’s one of the few things just about everyone has in com-mon.” Flint Rock—born in the early days of Covid—is the premier producer of podcasts that create connec-tions and build communities for brands listeners love. By approaching their work with a podcast design and production model customized to its clients, Flint Rock allows passionate individuals to share their stories, ad-ventures, and show how they’re making a dierence. Both Meg and Mark have a rich background in audio and video production. Meg’s love of audio started at just 13 years old, when she joined the radio station at Glen-bard West High School. Aer getting a communications degree from Illinois State University, working in public radio for several years, and then taking a brief break from the industry, she felt compelled to return to radio aer Covid hit and founded Flint Rock. Mark’s journey is not so dierent: his early interest in audio also inspired him to join the student radio station at ISU, where he majored in Mass Communications and Radio. Mark has held a variety of roles since school—both as on-air personality and in more production-fo-cused roles, and over time he discovered he much pre-ferred working behind the scenes. When Meg reached out to him to help produce Flint Rock’s rst podcast during Covid, he was on board right away. Meg and Mark’s broad range of experience shines through in the way they work: “any studio is capable of doing what we do, but our work standards, deliv-ery style, and our willingness to go the extra mile are unmatched.” Beyond providing access to high quality microphones and audio recorders, Flint Rock also oers assistance with episode planning and scripting, series conceptualization, full-service editing and production, and so much more. Clients can be as involved in the podcast creation process as much or as little as they wish, and each client’s experience is personalized to match their needs, interests, time availability, and budget. PODCASTING POWERHOUSE EMERGES IN WHEATON Building community one episode at a timeMark Long and Meg Goodman, the founders of Flint Rock, discuss their podcast production process in a relaxed setting. e company aims to create a comfortable and collaborative environment for clients.

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40 41“ere’s a human desire hard-wired into all of us to connect with each other through storytelling—it’s one of the few things just about everyone has in common..”Flint Rock’s rst podcast, Sew & So, for BERNINA sewing machines, is now in its fourth year as one of the leading sewing lifestyle podcasts. And Flint Rock has only continued to grow since then. Last year, they teamed up with Fairhaven Wealth Management and the Wheaton Chamber of Commerce to record and produce “e Local”: a podcast that brings residents and business owners of Wheaton together in conver-sation, uncovering amazing stories happening every day. One of the most exciting updates for Flint Rock is Greentree Studios: the state-of-the-art studio they opened late last year in partnership with “e Local” Podcast. It’s the only high quality audio/video space of its kind in the western suburbs, and the team behind it is excited for the community to take advantage of all it has to oer. As time goes on, it’s likely the landscape of digital storytelling will only continue to expand. But, thank-fully, we have resources like Flint Rock that exist to guide us through the process of sharing about our lives, however we choose to do it: “At our core, we’re all storytellers. Before we wrote it down, we passed our history down from one generation to the next through stories. ose stories entertain, educate, tie people together, build communities, and foster connection—us humans will probably never run out of stories!”It might seem a bit early for holiday cheer, but Fairhaven is already spreading some festive joy. We’re excited to announce the release of our groundbreaking nancial planning-themed Christmas carol music video. is innovative project is the rst of its kind, blending the timeless spirit of Christmas carols with practical nancial advice. While it might be a bit unconventional to release a Christmas video this early, Fairhaven has a knack for thinking outside the box. We believe that nancial planning should be accessible and enjoyable for everyone, and what better way to make it so than through a catchy and memorable tune? So, get ready to sing along and learn a thing or two about your nances, all while enjoying the festive spirit of the holiday season. Keep your eyes peeled for special guest appearances by local musical legends. is video is sure to become a family favorite, adding a unique and entertaining twist to your holiday celebrations. AN EARLY CHRISTMAS PRESENT Financial wisdom made merry Enjoy Fairhaven’s very rst music video by scannig this code:

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Fairhaven Journal 2024 FALL spre

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