Season’s Greetings from Embrace Wealth Management
As this year comes to a close, one feeling stands out above all others in our office: Gratitude. Each conversation, review meeting, late-night planning question, and quick “just checking in” email has reminded our team why this work matters so much. Your trust in Embrace Wealth Management, and in me personally as your financial advisor, remains one of the greatest honors of my professional life.
This has been a year of meaningful growth and refinement at the firm. We continued to deepen our focus on comprehensive planning that brings together retirement income strategies, investment management, tax optimization, and estate planning in a coordinated way to help reduce lifetime taxes and support long-term security for you and your family. Behind the scenes, we refined workflows, expanded our paraplanning support, and invested in clearer planning tools so that your numbers and cash flow scenarios are easier to understand and act on.
It has also been a year of walking alongside many of you through significant life events. Some clients welcomed new grandchildren, while others navigated health changes, retirements, business transitions, and the loss of loved ones. In a number of families, we helped executors and trustees carry the weight of settling estates and aligning legacy wishes with real-world decisions about accounts, property, and documents. Being invited into these personal chapters is never taken lightly, and it has deepened our appreciation for the role thoughtful planning plays in protecting the people and causes you care about most.
On a more personal note, this has been a season of both joy and profound grief for my own family. Many of you know that this is the first holiday season after the loss of my father-in-law, Bob, and your kindness, patience, and check-ins have meant more than words can express. At the same time, Geoff and I were grateful to celebrate our 32nd wedding anniversary with our boys in Hawaii, creating new memories together in a place that brought us rest and connection. I continue to visit my mom in Dallas each quarter, a time that keeps family bonds strong across the miles, and this spring I had the joy of touring the East Coast with my son Collin and his graduating eighth-grade classmates, exploring New York, Boston, and Washington, DC through their eyes.
Sharing in your life stories over the years, and then feeling your support during mine, has reinforced that our relationship is about far more than accounts and statements. It is about community, connection, and walking through the good and the hard together.
In that spirit of community, Embrace Wealth Management continues to give back in ways that reflect our family’s story. A percentage of the company’s net profit supports Canine Companions, a national nonprofit that provides highly trained service dogs to children, adults, and veterans with disabilities at no cost. This organization matched our family with Berta, a remarkable service dog who has been my son Christian’s constant companion for seven years. It is a privilege to help more families experience that same independence, comfort, and support.
Looking ahead, our commitment remains steady: to provide clear, caring, tax-aware financial guidance that helps you make confident decisions for every chapter ahead. Thank you for the privilege of partnering with you, for the referrals you have shared, and for allowing Embrace Wealth Management to be part of your financial journey year after year.
Wishing you and your loved ones peace, health, and moments of joy throughout this holiday season and into the coming year.
With gratitude,
Kim N. Huber, CFP®
