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4061 Powder Mill Road, Suite 705 • Calverton, MD 20705 • Phone: 301.595.8600 • Toll Free: 877.595.8605

For one minute, walk outside, stand there, in silence. Look up at the sky and contemplate how amazing life is. — Unknown

 As tradition this time of year, we often find ourselves reflecting on the past year and those moments of celebration and challenge. While 2021 was a better year than its predecessor (the bar was pretty low as we can all agree), it was yet another year unlike any other in our lifetime. Who could have predicted the ups and downs we experienced over the past several months. Despite its challenges, 2021 has been successful in one important area – reminding us again of the fragility of life and to never take a moment for granted.  Like most of you, I often get caught up in the hecticness of life and lose sight of its amazement. The past two years have taught us many valuable lessons, with the most important being to reflect, appreciate our loved ones and treasure life. It’s important to remind ourselves to occasionally take a break and recognize our blessings.

As we head into the new year, there’s much to be thankful for. We’re especially grateful for the opportunity to play an important role in your life and recognize each and every day the faith you place in us. It’s truly an honor, and we deeply appreciate your trust and confidence.

From all our families to yours, here’s to a 2022 full of great health and happiness. We look forward to seeing you soon!

Take care,

Todd M. Wike, CFP®
CERTIFIED FINANCIAL PLANNER™

Managing Partner, Potomac Financial Group
2022 RJFS Chairman’s Council Member*

The information contained in this material does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Todd Wike and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary. Past performance does not guarantee future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Raymond James is not affiliated with and does not endorse the services or opinions of the various podcasts or applications discussed in this material. Chairman’s Council Membership is based on prior fiscal year production. Re-qualification is required annually. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisors future performance. No fee is paid in exchange for this award/rating. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®,CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.