2026 Annual tmrw Reader Survey

Feedback makes the world go around.

The job of this newsletter is simple: to give you context and perspective about the world around you and your money.

As we head into a new year and with this being the first edition of 2026, I want to focus squarely on you - where you are at, what you are thinking about, and what you need to make great financial decisions this year.

Last year, in our 2025 Annual Reader survey, your input shaped the direction of the newsletter. Your feedback, the good, bad, and ugly, helped immensely.

I want to do that again.

I put together a short, anonymous survey that takes 60 seconds to complete. Your feedback will:

• Guide the content I will write about in 2026.

• Ensure the topics are relevant to you.

• Help me focus on the financial decisions that will matter most for you this year.

Share Your Feedback

As a small thank you, I’ll randomly select one reader who completes the survey to receive a pair of AirPod Pro 3s.

To enter:

1. Complete the Survey

2. Reply to this email with your name

I will reach out directly if you win.

Thanks for a great 2025, let’s make 2026 even better.

Tom

I write to think clearly, invest better, and help tens of thousands of Americans think differently about money.

Money can either be a trap or a well of freedom.

I grew up in a household of financial advisors. My grandfather Cliff became an advisor in 1961, my father followed his footsteps in 1992, and I joined the ranks in 2013.

I grew up around money, in money, with a father and grandfather who helped protect and grow it. I grew up going to refugees homes in our city with my mom and married a woman who grew up on food stamps and immigrated here at age 9 from Central America.

I’ve helped hundreds of families across the country through my firm, Fjell Capital, find a better way.

Here is what I know to be true: a completely different future than what you think is possible is possible.

I’ve seen what can go right in a family. I’ve seen what hard work, transparency, risk-taking, wisdom, and partnership can do.

That’s why this newsletter is called tmrw. You can’t change yesterday, but you can build a better tomorrow.

My tmrw is for my wife of 13 years, our three young kids, building a highly respected wealth management firm and impacting millions of American’s perspective of what’s possible.

My high school sweetheart, Camila, and me.

Let’s turn your reality today into a better tomorrow.

Tom