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Good morning, everyone, and thank you for joining us today. The United Nations declared 2025 to be the international year of ...

As I look back on 2025, there are a number of meaningful positives to highlight, both for our company and the industry.

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Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...