“I think 99 times and find nothing.  I stop thinking, swim in silence, and the truth comes to me.” – Albert Einstein (commonly attributed) Pause.  Breathe.  What comes next? Home stretch of 2025, and already a quarter century into the new millennium, we trust this letter finds you and yours healthy and well. Markets and…

“The stock market is a device for transferring money from the impatient to the patient.”  – Warren Buffet Spring greetings! This morning’s view of our boulevard reminds me that spring is indeed here, as the newly emerged chestnut leaves provide a beautiful filter for the morning sunlight through their canopy. Quite a contrast to our current season in…

  “Creativity is intelligence having fun.” – Albert Einstein   As we close 2024 and look ahead to this new year, our team is immensely grateful for your trust and engagement in this partnership journey as we work to cultivate and fulfill your unique intentions for wealth. Thank you.   We’re also happy to report…

“The smallest ripple can start a wave that becomes a tsunami” – Japanese Proverb   “I alone cannot change the world, but I can cast a stone across the waters to create many ripples” – Mother Teresa   It’s hard to believe we’re already staring down the home stretch of 2024, with the holiday season…

“Though one may be overpowered, two can defend themselves.  A cord of three strands is not quickly broken.” – Ecclesiastes Warm summer greetings!  It’s our sincere hope this finds you experiencing abundance in every dimension, coming off 4th of July celebrations and enjoying the early days of summer. On the heels of celebrating independence, we…

“Context is decisive” – Werner Erhard Conscious or not, each of us—individually and collectively—operate inside of a context. A set of narratives, sometimes created by us and sometimes for us, some helpful and some not, powerfully shapes our thoughts and actions. We are ultimately responsible for the narratives we choose, and they are decisive. Your Tschetter team…

“In the physical world, great buildings are linked to their architect while those who had poured the concrete or installed the windows are soon forgotten.  Berkshire has become a great company.  Though I have long been in charge of the construction crew; Charlie should forever be credited with being the architect.” – Warren Buffet This…

“You don’t have to be brilliant, only a little bit wiser than the other guys, on average, for a long, long, time.” – Charlie Munger                                                                                                                                                Happy 2024!  We are grateful to roll into this new year with you and pleased to report strong portfolio results for the year just ended. At the end of…

“Speed is irrelevant if you are going in the wrong direction.” – Mahatma Ghandi Is it just us, or does everything just seem to move faster these days? We’ve long known the world (and hence markets) to be a noisy place, full of all sorts of things vying for our attention, but our always-on media…

“The only time to eat diet food is while you’re waiting for the steak to cook.” – Julia Child   I love the taste of an ice-cold Diet Coke. Especially with Mexican food. Apparently, the World Health Organization thinks I should not have too much of it though. Something about the artificial sweetener, I guess.…