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2020 Fourth Quarter Letter

January 25, 2021

2020 YEAR END LETTER

First and foremost, we hope that you and your loved ones are all healthy and able to cope with the challenges of this long and difficult global health crisis. On our end, 2020 was a year during which most of us have never worked harder. The LAM team remained safe and strong, alternating between working from home and the office as needed. Lorie, Patricia, Peggy, Celine, and Marc were able to provide seamless service to clients and keep operations running smoothly throughout the pandemic. Meanwhile our portfolio management team generated exceptionally strong returns well above the comparable equity indices despite market turmoil and economic uncertainty, again demonstrating the benefits of “active” portfolio management as opposed to “passive” index investing through ETFs.