Dear Paul,

I'm a Resident Physician in training. Today, as I stepped out of the hospital, I was greeted by beautiful, sunny weather here in Connecticut. I looked up at the green trees and the blue sky and thought to myself—how truly happy I am.

I have a loving family. I work at a great hospital with supportive colleagues. My mother and brothers are healthy and doing well. And I know how to manage my savings.

As I reflected on my financial journey, I wondered: who has had the greatest impact on my financial literacy—Paul Merriman, John Bogle, or Benjamin Felix? Then I remembered that all my savings are equally distributed across Paul Merriman’s All-World Value, All-World Four-Fund, and All-World Small-Cap Value portfolios, using your best-in-class ETFs with a 60% U.S. / 40% international allocation.

And in that moment, I realized: you are the person who has had the greatest impact on my financial literacy.

Thank you, and God bless you.

Warm regards,  

Aram Tonoyan