Greetings!


As one year ends, another begins. During this time of reflection, we want to express our appreciation for your partnership in 2022. It is a privilege to work with you, and we take joy in it every day. Thank you for the trust you have instilled in us, and we hope you find much happiness and peace this holiday season and wish you a prosperous New Year.


Sincerely,


Josh, Matt, Lisa, Sam, Katherine and Suzanne

EFS Advisors | The Decker Group


768 Southcross Dr W, Burnsville, MN 55306

41 Sherburne Avenue, St. Paul, MN 55103

www.joshdecker.efsadvisors.com

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Securities offered through Advanced Advisor Group, Member FINRA & SIPC. Investment Advisory Services offered through Educators Financial Services.

1995 E Rum River Dr S Cambridge MN 55008 (877) 403-2374. Advanced Advisor Group and Educators Financial Services are affiliates under common control D/B/A EFS Advisors