Quarterly Client Letter – Q3 2025

As we wrap up the third quarter of 2025, markets continue to deliver strong performance, and interest rates are showing signs of easing—offering both opportunities and challenges for investors. In this quarter’s client letter, CEO Peter Pigeon shares insights on how HGA is proactively navigating these trends, highlights our behind-the-scenes client service process, and outlines key year-end planning considerations, including Required Minimum Distributions and tax strategies.