CAPTRUST - January 2026

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INSIDE

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Planning for Retirement Means Planning for Health, Purpose, and Longevity

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Rediscover Yourself With Hobbies That Heal, Create, and Inspire

Is Part-Time Work the Missing Piece in Your Retirement Plan?

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FOMO Spending Is Breaking the Bank

Elevate Your Routine With a Touch of Paris

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Your Guide to the Great Barrier Reef’s Most Epic Experiences

Investment advisory services offered by CapFinancial Partners, LLC (“CAPTRUST” or “CAPTRUST Financial Advisors”), an investment advisor registered under The Investment Advisors Act of 1940. @2026 - CAPTRUST | All Rights Reserved. CAPTRUST does not endorse, nor is it affiliated with any third-party entity mentioned in this newsletter. The information published herein is provided for informational purposes only, and does not constitute an offer, solicitation, or recommendation to sell or an offer to buy securities, investment products, or investment advisory services. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Nothing contained herein constitutes financial, legal, tax, or other advice. Consult your tax and legal professional for details on your situation.

Uncover the Magic of Australia’s Living Wonder Swim With Turtles, Whales, and Wonder at the Great Barrier Reef

Cod Hole for an up-close look at the Reef’s most famous marine residents, while those craving a more remote experience can hop aboard a dive ship to explore untouched corners teeming with biodiversity. Prefer to keep your head dry? The 74 tropical Whitsunday Islands are perfect for cruising, whether on a bareboat charter or a luxury superyacht. For a show-stopping perspective, consider a scenic helicopter transfer to the Outer Reef. From the air, the patterns of coral, tiny secluded islands, and endless shades of blue make it clear just how massive this natural wonder truly is. For a once-in-a-lifetime adventure, the Reefsleep Experience takes you to

Hardy Reef after day-trippers have left. Snorkel, dive, or relax on the Reefworld platform, then enjoy a barbecue as the sun sets. When night falls, snuggle into your floating tent under the stars or take a night dive to see the reef glow in a completely different light. Thrill-seekers, take note: Mission Beach offers a jaw-dropping skydiving experience over the reef and surrounding rainforest, plunging from 15,000 feet with expert guides to ensure an unforgettable ride. No matter how you experience it (by snorkel, yacht, helicopter, or parachute), the Great Barrier Reef is an adventure that promises awe, excitement, and memories you’ll treasure forever.

If you’ve ever dreamed of exploring a place so vast it dwarfs entire countries, Australia’s Great Barrier Reef should be at the top of your bucket list. Stretching over 1,400 miles along the eastern coastline, this paradise is larger than the United Kingdom, Switzerland, Belgium, and the Netherlands combined! The Great Barrier Reef is home to dazzling coral gardens, colorful fish, giant clams, and six of the seven known marine turtle species. From snorkelers to skydivers, the Reef offers something unforgettable for every kind of adventurer. Underwater, the options are endless. Lizard Island is a snorkeler’s paradise where you can float above giant clam beds and glide alongside green turtles. Divers flock to

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