At Christmas dinner, my sister laughed and said, “Let’s toast to my brother—still the family’s biggest disappointment.”

Another reallocation agreement.

This time finalized.

The next step was execution.
The following morning, Emma texted me.

“Hey, just checking in. Have you reviewed the latest fund statement? Might be worth a look.”

I didn’t answer.

Because by then, I knew the reallocation document wasn’t the biggest problem.

On the morning of March 14, I woke to a flood of messages.