D E C E M B E R T H O U G H T S T O C A R R Y
This month, I'm slowing down to notice the little questions that make life richer:
- Are we thankful because we have enough, or do we have enough because we are thankful?
- Do we give gifts, or do we give ourselves in the act of giving?
- Is it the lights on the tree that make the season bright, or the warmth they remind us to carry in our hearts?
- If peace and goodwill are celebrated once a year, do we truly know them if we don’t live them every day?
- If joy is shared, does it multiply, or was it always infinite?
In conclusion, think deeply, give generously, and the let the season unfold.
A H O L I D A Y H E A D S U P
Mo Flores, RIA, will be in-house on Monday, December 15th, 2025 .
The Board has made Mo available to help anyone with an Empower account think through their financial plan. It's a valuable resource-one many organizations don't offer, let alone at no cost.
I'd encourage you to take advantage of it. In investing, doing nothing out of uncertainty is often the most expensive decision of all. Use the opportunity to make choices your future self will appreciate.
👉 Schedule Your Appointment with Mo - Click below:
https://ibew-local697.empowermytime.com/#
D E C E M B E R 3 1 S T , 2 0 2 5 . 1 2 : 0 0 P . M . S H A R P .
That's when all shortage-of-hours payments are due.
This deadline has been clearly stated in the H&B SPD and communicated for six months. Missing it isn't just inconvenient-it's unnecessary. In health, as in life, the cost of inaction is often far higher than the effort required to act.
Don't let a simple deadline turn into a lesson in what C.O.B.R.A. stands for. Plan ahead, pay on time, and avoid needless complications.
