Dear Friends and Partners,

With the year wrapping up, we want to reach out and thank you for being a valued part of our journey. This season is the perfect time to reflect on all we've accomplished together and to look forward to what’s next. Working with you has been both rewarding and inspiring, and we couldn’t be more grateful.

This year brought tremendous growth for KT Captive Insurance Advisors. Here’s a look at some highlights:

• Industry Engagement: In September, we were thrilled to participate in Captive Resources’ monthly Risk Control orientations, led by guest industry experts brought in to discuss the latest in risk management practices, safety innovations, and claims strategies. Through our active involvement on the Captive Investors Fund board, we’re keeping up with the latest advancements, with CIF meetings and board discussions throughout the year.

• Expanding Our Reach: Our team has supported clients across 18 states, from Texas and Florida to Arizona, Virginia, and beyond. We’re grateful to be growing with you, meeting new demands for tailored insurance solutions in so many regions.

• Community Involvement: Giving back means a lot to us. This year, we were honored to sponsor the Texas Route 66 Festival Fitness @ KT|Black 5k to benefit Hope Lives Here, a local non-profit connecting veterans with service animals. We also expanded our work with the Amarillo Chamber of Commerce, getting involved in local events to strengthen area connections.

As we look ahead to 2025, we’re excited to continue working with each of you and finding new ways to bring stability and value to your business.

Wishing you a wonderful holiday season filled with warmth and peace—and a bright, hopeful start to the new year. Thank you for being part of the KT Captive Insurance Advisor family.

Warmest regards,

The KT Captive Insurance Advisors Team