As the events with Russia and Ukraine have unfolded, we wanted to send a note to let you know that we are closely monitoring the situation with a leaning on how it may affect your Financial Life Plan and investments with us at Prato Capital. Foremost, our thoughts and prayers are with the people of Ukraine. May God bless them and keep them safe.  While nothing can downplay or minimize the loss of life and human suffering that results from global conflicts, we remain focused on our role as wealth managers. In our experience with past market disruptions, we know that selling an investment due to a geopolitical event such as this would be another form of market timing which involves correctly deciding when to sell and when to start buying back into the market.  Our investment process remains disciplined. We will continue to use market history as our guide and we will remain globally diversified employing our time tested process of rebalancing. By effectively rebalancing when markets capitulate it provides us an opportunity through our disciplined approach to buy and sell in a way that removes emotion from the equation.  Please see attached an article from one of our investment partners, Dimensional Fund Advisors that describes a sound investment strategy for volatile times like these. Thank you for placing your trust in us at Prato Capital and please call us anytime with questions and concerns. We are here for you always.