Archives Of Weekend Reading For Financial Planners

Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that Massachusetts has become the first state to officially put forth a 'final' fiduciary rule for brokers providing investment recommendations in their state... albeit in a form that is significantly watered down from the original, though still higher than the SEC's Regulation Best Interest it sought to supplant, as the fiduciary fight increasingly shifts from Federal regulators to the states (and New Jersey and Nevada working on finalizing their own fiduciary rules as well).

Also in the news this week is a significant Supreme Court ruling regarding fiduciary disclosures, that at least under ERISA, it's not enough to provide qualified plan documents and related disclosures, and that plan sponsors must actually ensure that the participants read them in order to start the statute of limitations clock ticking... or risk facing a never-ending open-ended liability exposure that a plan participant could sue over questionable actions many years later because they didn't have 'actual knowledge' of the problematic issue until they actually read the disclosures for the first time!

From there, we have several articles on this week's hot topic of the investment markets and the coronavirus, including a good reminder of why it's important to send out extra communication to clients during turbulent markets (not to tell them to stay the course, but to show them that you as the advisor are 'on the case' and managing their situation... even if the current decision happens to be to stay the course anyway), a look at the recent yield curve inversion that the coronavirus appears to have spawned, and some interesting data on the coronavirus itself and how even though virus fears are currently routing markets it is actually less communicable and less fatal than many other feared disease outbreaks in recent years (e.g., SARS, MERS, Ebola).

We also have a few articles on recent industry studies and trends, including one that finds the key for 'smaller' advisory firms (defined as <$500M of AUM) will be "growth by specialization" in the 2020s, another study noting an emerging split between the 'big' firms trying to acquire and consolidate to achieve massive scale as one-stop-shops and the rest that will survive and thrive by being 'boutiques' that compete against them for narrow slices of affluent clientele who can pay their premium fees, a look at other industry trends that advisory firms must contend with to succeed in the coming trend including 'operational experience' and the unbundling of fees, and a fascinating look at how, in the end, the opportunities in the 'long tail' of niches are actually far bigger (or at least, far more numerous in actual clients) than where the bulk of the industry focuses today (prospective and current retirees between the ages of 50 to 75 with significant investable assets to manage).

We wrap up with three interesting articles, all around the theme of being more personally productive and focused: the first is an interesting look at how, even 100 years ago when the medical profession was emerging (and smartphones and social media couldn't be conceived of), educators were providing lessons not only in the technical knowledge to learn but how to learn and avoid then-modern-day distractions; the second looks at how nearly 90 years ago, John Maynard Keynes predicted an 8X increase in productivity and the drop to a 3-hour workday on the back of that productivity, yet somehow we succeeded in the productivity but failed in the shorter workday to accompany it; and the last explores how the key to success is not to pursue big goals and perfection but to 'just' be 1% better than the competition (because that's all it actually takes to win the game!).

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the big industry news that wirehouse Morgan Stanley is acquiring E*Trade for $13B, in a major shift for the wirehouse to move (back) towards the mass affluent with a more online digital offering via E*Trade, which opens a new pathway to E*Trade's significant business of administering employer stock plans (that can now be referred to Morgan Stanley's own advisors)... and that raises significant questions about whether E*Trade will even remain in the RIA custody business (and/or whether independent RIAs would want a custodian owned by a wirehouse competitor), and in turn, whether the potential loss of E*Trade as an RIA custody option could put even more pressure on the Department of Justice's view of the prospective Schwab-Ameritrade merger (which may have even been a factor in Morgan Stanley's timing to announce the E*Trade deal in the first place?).

Also in the news this week is a new FINRA exam sweep of how brokerage firms (including the ones serving as RIA custodians) plan to make their money in a zero-commission future and whether the prospective conflicts of interest in their alternative revenue streams are being sufficiently disclosed to clients (and their advisors), and the emerging surge in a new kind of "Registered Index-Linked Annuity" (the "RILA") that is becoming an increasingly popular risk-managed variable annuity alternative to the living benefit riders of old.

From there, we have several practice management articles, including a review of the big themes from the recent T3 advisor tech conference (from more mobile apps and integrations to an outright focus on advisor time efficiency), the ongoing rise of virtual firms (from young advisors to more senior, small firms to large), and a fresh look at other ways to measure what constitutes a "good" advisory firm (beyond just rankings of their AUM and recent growth).

We also have a few investment-related articles, from a look at the new SOFR rate that is expected to replace LIBOR in two years (and the complications that loom between now and the end of 2021 for that transition to happen), the concerns of a recent proposal from the mutual fund industry to shift more of their disclosures to be online (instead of mailed or emailed out directly), and a candid look at whether direct indexing is really a threat to the ETF industry (or "just" a kind of alternative product for certain client needs... albeit one that might still soon become a trillion-dollar AUM opportunity?).

We wrap up with three interesting articles, all around the theme of better communications with clients: the first looks at what it takes to finally see clients who are difficult to schedule for meetings (recognizing that the real problem may be that the advisor's 'check-in' meetings aren't really actually all that valuable to the client and that a better purpose is often necessary!); the ways that advisors sometimes unwittingly damage their empathy with clients in an attempt to prove or defend their own professionalism; and some tips on how to have and get through the sometimes-difficult conversations with clients that arise (and how best to introduce a difficult conversation where there's never a 'good' time to bring it up)!

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the ongoing industry drama of the prospective "Schwabitrade" merger, with a new public "Pledge" from Schwab that it will accept all RIAs regardless of AUM and without any custody fees, buzz that Fidelity will soon require a larger subset of least-profitable RIAs to begin paying a platform custody fee, and Pershing rethinking its prior $250M AUM custody minimum as it too positions to capture potential "NeverSchwab" RIAs that have been rejected by Schwab in the past when they were small and may not want to return from TD Ameritrade to Schwab in the prospective merger.

Also in the Schwabitrade news this week is the fresh revelation from a recent Schwab mid-quarter Business Update to Wall Street that, for the sake of acquisition expediency, they will not likely retain TD Ameritrade's popular (and most open architecture) VEO platform and instead anticipate keeping their own Schwab systems at the core, simply augmenting them with TD Ameritrade technology as it deems appropriate, amidst the latest buzz of what's worrying the advisor community as the Schwabitrade deal continues to ripple (beyond just RIAs themselves on the TD Ameritrade platform, and the broader potential impact to the entire advisor technology ecosystem).

From there, we have several articles on industry regulation, including some pushback from advisor industry associations about the SEC's proposed relaxing of the RIA advertising rules as being a welcome change but one that may put too much compliance burdens all at once on RIAs (as virtually all client communication may be scooped up as being 'advertising' under the new rules), a newly approved model regulation from the NAIC on a "best interests" standard for annuity agents that in practice simply repeats FINRA's existing non-fiduciary suitability requirements, positive progress on NASAA's recent model rule to prevent financial exploitation of seniors (making it easier and safer for advisors to intervene on their clients' behalf), and a new proposal from NASAA to potentially require all advisors under an RIA to obtain 12 hours per year of continuing education credits.

We wrap up with three interesting articles, all around the theme of trying to clean up the advisor industry: the first highlights how lobbying firms representing Wall Street brokerage firms and insurance and investment products continue to drastically outstrip the spending of actual financial advisor advocacy organizations like the IAA, FPA, and NAPFA; the second looks at the emerging regulatory challenge of 'fake comment letters' that create the impression of widespread support or opposition for proposed regulation but in reality are simply fake spam (and may have played a role in the DoL fiduciary rule); and the last is a frustrating profile of an "advisor" who has repeatedly been barred and fined (by both an individual state and then nationally by the SEC), and even convicted of a felony for securities fraud, with an obligation to pay more than $4M in restitution that hasn't been repaid, yet still continues to maintain a state insurance license for the past several years, and holds out to the public as a financial advisor providing retirement income plans to clients to facilitate annuity sales... begging the question of when the various regulators that oversee financial advisors will finally ever get better about coordinating to ensure that bad actors already convicted repeatedly under one regulator don't simply set up shop again as "financial advisors" under a different regulator and continue doing potentially-problematic business with consumers?

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that TD Ameritrade's RIA custody business is continuing with business as usual despite the looming Schwab merger, in what appears to be a combination of both a legal obligation to do so until the deal is finalizing... and a growing possibility (which markets are now handicapping at 30%) that the Department Of Justice may intervene and prevent at least the RIA portion of the merger from going through (e.g., by requiring the RIA business to be spun off if the TD Ameritrade retail business is acquired).

In the meantime, though, the advisor industry is also still adjusting to the potential of the merger, from firms preparing for the possibility that TD Ameritrade's VEO platform may not survive the merger if it does go through (necessitating a substantial restructuring of advisor technology for many firms), and musings about whether the loss of TD Ameritrade's open architecture platform may hinder the emergence of new advisor technology solutions (that in the past decade often built first to TD Ameritrade to go to market) or simply spawn a competing platform to become more open architecture to fill the void and take on VEO's open-architecture mantle.

From there, we have several other articles of notable industry news this week, including an SEC Investor Alert that fraudsters are engaging in pump-and-dump schemes around the coronavirus (have you warned your clients?), Vanguard is making a somewhat-surprising-but-sort-of-not push into offering a private equity fund (but potentially only for institutions using Vanguard and consumers who engage a Vanguard Personal Advisor directly), and a prediction from Cerulli that the dam of advisor retirements is about to break with outright declines in advisor headcount in the coming years that could culminate in nearly 1/3rd of all today's financial advisors retiring in the decade of the 2020s.

We also have a few articles on marketing, including a look at how firms that pay for online lead generation platforms are finding ways to make it work (based on their geography and by hiring business development associates), the challenges in finding and paying for the 'right' marketing software or service providers for financial advisors, and how Schwab is upping the ante on paying outright cash to attract new investor accounts (primarily to compete against other brokerage firms engaging in similar practices, but at the risk of catching financial advisors in the crossfire?).

We wrap up with three interesting articles, all around the theme of the (real) value of a financial advisor in the future: the first explores the ways that financial advisors can provide value beyond just highlighting their type of compensation; the second examines the lost art of being a better listener to help clients on their own journey; and the last explores the unique challenges that arise as financial advisors increasingly shift away from simply being "the experts" and instead try to become a Knowledgeable Guide to help clients feel heard, understood, and supported on their own journeys instead.

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that TD Ameritrade anticipates most advisory accounts will not need to be re-papered in its prospective merger with Schwab... even as the merger itself is now potentially delayed while the Department of Justice begins an anti-trust inquiry as to whether the Schwabitrade merger would lead to an unduly anti-competitive environment (particularly with respect to RIA custody).

Also in the news this week is a planned push from E*Trade Advisor Services to significantly ramp up both its technology and marketing spending in the hopes of capturing a share of however many advisors decide they're displeased with the Schwabitrade merger and begin to look for alternatives, and Fidelity's announcement of new refinements to its onboarding process that cuts the amount of information advisors have to fill out by 40% and reduces the account application paperwork from 9 pages down to just 2!

From there, we have several additional items of noteworthy news this week, including a coming series of changes to the FICO credit scoring system that may boost the credit scores of those with already-good credit but potentially reduce credit scores for those who are already struggling to pay their loans on time (in a deliberate effort to better separate 'good' credit risks from 'bad' for lenders increasingly concerned about the long-in-the-tooth economic expansion), IRS guidance for brokerage firms that unwittingly sent out the 'standard' first-RMD notices to those turning age 70 1/2 this year who in light of the SECURE Act won't actually need to begin their RMDs this year, and a look at the new CFP Board Standards of Conduct that recently took effect (and that the CFP Board will begin to enforce in June).

We also have a few articles on planning for aging clients, from a look at the rising frequency of older couples who are "living apart together" by remaining in ongoing committed relationships where they deliberately do not get married nor move in to live with each other, the ongoing shift in consumer preference to die at home and not in a hospital (as last year, deaths from natural causes were more likely to occur in the home than in a hospital, for the first time in more than 50 years!), and the importance of finding a "new normal" after a major health event occurs, rather than trying to regain one's prior lifestyle that simply may no longer be feasible (and make us unduly unhappy to even try).

We wrap up with three interesting articles, all around the challenging theme of fraud, financial abuse, and bad advisor recommendations: the first explores why and how athletes are disproportionately targeted by swindlers and defrauded (and the rise of lawyers and forensic accountants who specialize in unraveling such scenarios); the second examines the ways that spousal financial abuse are transforming in the technology era (where it's easier to hide assets with cryptocurrencies and surveil a spouse with computers and GPS tracking, but also easier to spot and recover paper trails for assets that have been hidden); and the last looks at a new study that finds, when faced with conflicted compensation while making a recommendation, we may be more likely to try to rationalize after-the-fact why the higher-compensation recommendation may have been good, than de-bias ourselves by being aware of the potential conflict in the first place... suggesting that in the future, regulators may try to limit advisors' own access to information about how some recommendations may benefit themselves or their companies more than others (as when people aren't aware of the conflicts until after the fact, they still give objective recommendations), or increasingly try to focus instead on levelizing advisor compensation (so advisors can still be well-compensated for their work, just not differently compensated for various recommendations).

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that lawmakers are recommending the Federal Trade Commission investigate Envestnet's Yodlee over its data-sharing practices, raising concerns that the anonymized data they sell might still potentially be pieced back together by data buyers and that Yodlee is not sufficiently disclosing the way it sells data and the risks involved... though notably, Yodlee maintains that it does sufficiently scrub its data before sharing, and the practice is common across more providers than just Yodlee anyway.

Also in the news this week is a profile in Financial Planning magazine of Schwab, and specifically how it pursues advisors in its retail division that want to switch over to form an RIA or join an existing one... raising concerns about whether Schwab is impeding the ability of Schwab's retail advisors to work in the industry if they leave Schwab, or whether independent RIAs are being inappropriately aggressive in pursuing Schwab retail advisors to join their firms and bring their existing Schwab retail clients along (even though RIAs would lambast Schwab if its retail team ever tried to poach RIA clients and assets?).

From there, we have several articles on industry trends, including one analysis that suggests, despite robo-advisor competition, the market for financial planning advice is actually poised to explode to the upside in the 2020s (in large part because the rise of technology is making it so much more efficient to deliver financial advice that it will reduce the cost and expand the market of who advisors can serve), a look at the ongoing slow but steady decline of wirehouse advisor headcount (even as wirehouse advisor productivity hits record highs), and the continued rise of mergers and acquisitions of advisory firms (which hit a new record in 2019, up a whopping 31% from the prior year).

We also have several practice management articles, from a discussion of when it's time to revisit your own fee structure with clients (or not), a discussion of the rising popularity of the subscription-fee model for financial advice and when it works best (or doesn't), the appeal of offering tax-planning services to grow your advisory firm, and the rise of "cash-management" solutions where advisors can offer clients high-yield bank savings accounts to complement their investment/brokerage services.

We wrap up with three interesting articles, all around the theme of personal productivity: the first explores how effectively achieving your goals requires not just setting goals, but prioritizing them to be able to focus and avoid being overwhelmed; the second examines how the real key to productivity is to focus on the 'fundamentals' first (from sleep to nutrition to workspace environment) and your own psychology, rather than fretting about self-control or self-motivation; and the last looks at how the real key to being more productive is not about what else you can manage to do, but what you can stop doing (and especially identifying the things you can stop doing that relieve you of even more otherwise-unnecessary decisions down the road)!

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that FINRA will be probing brokerage firms (both for retail clients and ostensibly RIA custodians as well) regarding their often-conflicted cash sweep programs into affiliated banks or proprietary money market funds, which has taken on an increased focus in the new era of zero commissions (where platforms have to rely more than ever on earning net interest revenue from client cash instead). Also in the news this week is the rumor that private equity firm TA Associates may be shopping Orion Advisor Solutions... for a nearly $2B valuation, in what will likely be a sale (if it occurs) to another private equity firm or industry-strategic buyer focused on growing Orion even larger as the world of advisor technology continues to heat up.

From there, we have several articles on marketing, including a Broadridge study finding that advisors are increasingly investing into various forms of digital marketing over purely traditional (i.e., live in-person channels), a Snappy Kraken study finding that email (and a website call-to-action to join a mailing list) is still far better at generating leads for advisors than social media, a look at various digital marketing strategies that financial advisors can experiment with on their websites, and why 'old-fashioned' book publishing can still be an effective advisor marketing strategy (but is not a very good advisor business opportunity for the book sales themselves).

We also have several articles on more technical planning issues, including a look at the new provisions of the SECURE Act that will allow up to $10,000 of 529 college savings plans to be used to repay student loans (or for an apprenticeship program), Fidelity's launch of an HSA platform for advisors to manage their clients' Health Savings Accounts (though it's not clear that many clients will ever have HSA balances large enough to be worthwhile for advisors to do so!), and when it makes sense to consider claiming Social Security's 6-month-retroactive-lump-sum payment for those who begin their benefits after Full Retirement Age.

We wrap up with three interesting articles, all around the theme of breaking old habits and forming new ones: the first provides a series of tips from successful executives and business leaders about their key habits for productivity; the second looks at how moving (i.e., relocating where you live and/or work) presents a unique opportunity to break old routines and form new habits; and the last explores some of the research about habits and willpower, and how those who have above-average self-control tend to be more successful not because they're better at avoiding or breaking their bad habits but because they're better at focusing their energy to form similarly-hard-to-break good habits instead... or stated more simply, that the key to improving your own behavior is less about trying to force yourself to stop doing the things you don't like, and more about finding and forming habits around the things you do like instead!

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that Envestnet is partnering with Dynasty Financial to create a new "Advisor Services Exchange" (ASx), and in the process is taking a small financial stake in Dynasty, raising questions of whether Envestnet is seeking to evolve beyond its technology core into a broader range of advisor services.

Also in the news this week was the announcement that former Congressman Chris Dodd and Barney Frank have filed an Amicus Brief against the SEC regarding Regulation Best Interest (Reg BI) claiming that as the ones who wrote the law itself the SEC misinterpreted the authority they were granted under Dodd-Frank to issue Reg BI (and that therefore the rule should be vacated), the governor of Massachusetts is advocating on behalf of the financial product manufacturers and broker-dealers that the state should consider walking back its fiduciary proposal, and a coalition of trade associations are coming together to make the case that Congress should allow financial advisors to claim the 20% Qualified Business Income (QBI) deduction in the future (though it's not clear that Congress will take up any tax legislation this year!).

We also have several articles on practice management and succession planning, including: the benefits of deliberately hiring younger and less experienced (but potentially longer-tenured and more creative) advisors into a firm; the common reasons that Millennial advisors quit their advisory firms; how to better promote a culture of positive work/life balance to avoid burning out next-generation talent; the factors to consider (or not) when trying to select a future successor for the firm; and why the development of next-generation successor leaders in an advisory firm requires a fundamentally different set of talents than what the founder needed to learn to grow the business to that point in the first place.

We wrap up with three interesting articles, all around the theme of generalists versus specialists: the first explores how specialists have more opportunities to succeed but are also more prone to being disrupted and unable to adapt, such that it's important to keep some 'generalist' interests as well; the second dives into research finding that generalists tend to be more successful in slow-moving environments while in an increasingly complex world it's actually the specialists with the domain knowledge to spot opportunities in environments of rapid change; and the last introduces the concept of the 'Generalized Specialist', who develops a core competency of expertise but also tries to deliberately maintain a broader multi-disciplinary perspective as well (to be better able to both adapt and integrate new, disparate ideas).

Enjoy the 'light' reading!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with the industry news that the first anti-trust lawsuit has been filed to stop the Schwab-TD Ameritrade merger... and has already been dismissed in what most are simply calling a publicity stunt and not a serious challenge (though it remains to be seen whether more anti-trust scrutiny will still come to the prospective Schwabitrade merger, especially with respect to its RIA custodial business). Also in the news this week is the announcement that Vanguard is cutting stock and option trading commissions to zero for its own direct-to-consumer brokerage platform, matching the spate of similar cuts from Schwab and other retail discount brokerage platforms... and capstoning a 2-year battle with TD Ameritrade's removal of Vanguard from its no-transaction-fee ETF platform that ultimately resulted in a collapse of trading commissions and TD Ameritrade's own demise!

From there, we have several articles on retirement planning this week, from a look at how Medigap supplemental policies are being restructured for those becoming eligible for Medicare in 2020 and beyond (including the elimination of Plan C and Plan F policies and the introduction of a new Plan G), research from Wade Pfau on what the industry is still getting wrong about reverse mortgages, and a look at how, while deferred annuities remain controversial, there is a growing base of research about how effective Single Premium Immediate Annuities (SPIAs) can function as a fixed income alternative to support retirement income.

We also have several articles on financial advisor marketing, including: new Morningstar research about how the top priority for advisors is to grow and gain more clients, yet getting new clients is also advisors' greatest challenge, and despite these woes the majority of advisors are still unwilling to spend on marketing; the proposed new regulations on RIA advertising that could spawn a slew of new advisor marketing strategies in the coming years through the potentially-soon-to-be-permitted use of client testimonials, third-party advisor review sites, and even performance advertising; strategies to get your marketing going even if you don't feel you're "creative" at marketing; and the sometimes-unwitting ways we can turn people off in our marketing and sales activities with prospects because of how sensitive other human beings are to body language and other non-verbal communication.

We wrap up with three interesting articles, all around the theme of forecasting what will (and won't) change in the new decade of the 2020s: the first provides some forecasts about how the financial planning profession will change in the coming years, as financial planning becomes increasingly known as a discipline unto itself (with its own regulatory concerns, oversight needs, and standards); the second looks at the recent 50th-anniversary celebration of financial planning convened by the CFP Board, and how industry organizations are looking to come together to further professionalize financial planning in the 2020s; and the last takes a good look at what won't likely change in the 2020s (that advisors can still safely 'bet' on and invest in growing their own businesses), focused almost entirely around advisors themselves, our ability to communicate effectively with clients and prospects, and the importance of the advisor-client relationship in helping clients to stay the course (because notwithstanding all the changes in technology, clients are still human beings who will behave like human beings!).

Enjoy the 'light' reading, Happy New Year, and best wishes to you in 2020!

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Enjoy the current installment of "weekend reading for financial planners" – this week's edition kicks off with a deeper-dive look at the SECURE Act (now that it is officially signed into law), as advisors get up to speed on the real-world planning implications and conversations that must happen with clients in the coming year. Also in the news this week is a major across-the-board fee cut from DFA, which ultimately amounts to 'just' 1-8 basis points of fee cuts and an asset-weighted cut of just 8% of their fees, but still sends a signal that even DFA is feeling the growing pressure of fee cuts (though in the end, such cuts may hurt DFA's competitors even more?).

From there, we have several articles on cash flow and spending behaviors, from an "investment pyramid" of the areas to focus on first (i.e., set goals before trying to focus, have good savings habits before worrying about asset allocation, etc.), the second looks at how complex strategies can help create wealth but it's crucial to fix the 'simple' behaviors first (most notably, spending less than we make and having ongoing savings!), and the last examines the research around whether the shift to cashless "e-money" through smartphones will lead us to lose control of our spending (hint: perhaps not, as seeing the money subtracted from our e-wallet immediately may still yield the digital equivalent of the pain of paying [with cash]).

We also have a few articles on marketing, from why email is not dead but buying email lists is (and how to build your own email list instead), what "marketing brand archetypes" are and how they can help you refine your marketing messaging, why paying for "reach" to get your marketing message out more widely isn't necessarily a good idea (it's about reaching the right people, not just more people), and how you can get through a marketing (or writing) mental block by trying to picture one specific person you're aiming to help (and then craft your messaging to be relevant and on-target for that specific person... and likely everyone else similar to them who may also need your help!).

We wrap up with three interesting articles, all around the theme of New Year's resolutions and habit change: the first explores the research about why it is that New Year's resolutions (and habit change in general) so often fails; the second delves even further into the problem with trying to make "SMART" concrete new Year's goals (instead of trying to appeal to our own 'superordinate goals' of what we aspire towards); and the last provides some even more concrete tips about how to actually get more done in the coming year as 2019 comes to a close.

Enjoy the 'light' reading!

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