2025 - 2026 Year-End Letter
Together Moving Into 2026
Dear Valued Clients and Friends,
As the final days of 2025 slip away, I’m thrilled to share that I—Marius Croeser—have returned from a rejuvenating two-year sabbatical, recharged and a portfolio of new startup initiatives for 2026. Prince Edward Island has worked its magic, and I’m energized to step into 2026 alongside you. (And yes, that dream of assembling an investment consortium for a boutique micro-whiskey distillery right here on Prince Edward Island still bubbles away quietly in the background—perhaps soon we’ll raise a glass to it together!)
Over the years, it’s been an honor to walk with many of you through life’s most meaningful moments: strengthening marriages, navigating the challenges of parenting, achieving ambitious financial goals, finding clarity amid divorce, resolving custody and property matters, and empowering entrepreneurs to build and scale thriving businesses.
The Croeser Family Office—now beautifully rooted in the serene landscapes of Prince Edward Island, Canada—remains passionately committed to delivering intelligent, personalized, and remarkably cost-effective solutions that help individuals, families, and businesses not just survive, but truly flourish.
The year ahead promises extraordinary opportunity. Two powerful forces will shape the landscape in 2026: the explosive, yet increasingly accessible rise of Artificial Intelligence and the maturing, practical world of cryptocurrency and blockchain.
AI is no longer a distant future—it’s an everyday partner. A game changer for individuals who learn to utilize its power. For families, it means more time for what matters most: shared growth, and creating lasting memories. For small and mid-sized businesses, it unlocks affordable automation, sharper customer relationships, and data insights for planning that once belonged only to corporate giants—levelling the field and sparking new waves of innovation and wealth creation.
Meanwhile, cryptocurrency—especially secure assets like Bitcoin—has evolved into a cornerstone of smart, forward-thinking wealth strategies. It offers powerful inflation protection, portfolio diversification, and seamless global access. Decentralized platforms deliver faster, cheaper transactions that small businesses can harness today. We practice what we preach: the majority of our office’s portfolios are now centered in this dynamic space—and starting in 2026, we’re excited to guide you with clear, confident, step-by-step strategies to participate safely and effectively.
At the Croeser Family Office, we’re here to walk beside you—offering discreet, high-touch advisory services that strengthen families and businesses alike. From skill-building and dispute resolution to Net Income Growth Audits, AI-readiness planning, and Crypto guidance, we’re your trusted partner in solving today's problems and navigating tomorrow’s opportunities. We’re also actively seeking and building exciting new ventures. Our first island-based investment is coming to life: While Away PEI, now strengthened with the talented Beverly Dickson as Director of Operations. This service delivers true peace of mind for homeowners and business owners who travel or simply step away—while tapping into the growing need for compassionate in-home elderly support. With strong potential to franchise, it’s also a meaningful way to create flexible income streams for vibrant, young-at-heart retirees who want to stay economically engaged and make a genuine difference.
Financial Markets
With gold at an all time high as I write let's look at why and what is coming:
The year was heavily influenced by the unwinding of the Japanese yen carry trade, as the Bank of Japan continued normalizing policy with rate hikes (reaching 0.75% by late 2025), strengthening the yen and forcing investors to unwind low-cost yen-funded positions in global assets like U.S. stocks and crypto. This created significant liquidity shocks and volatility.
U.S. debt concerns were front and center, with the national debt exceeding $38 trillion, interest payments surpassing $1 trillion annually for the first time, and ongoing fiscal debates adding pressure amid rising yields and deficit worries.
Stablecoins surged in prominence, with the market cap climbing to around $300–310 billion by late 2025. They were increasingly discussed as both a way to extend dollar dominance (via Treasury-backed reserves) and a potential tool for exporting risk amid fears of long-term dollar debasement due to unchecked debt and inflation risks.
For 2026 projections, these themes are expected to continue evolving, though with some moderation and new dynamics:
• Carry trade pressures may persist or even intensify early in the year if the Bank of Japan hikes further (potentially to 1–1.25% by year-end, with 1–2 more moves). This could keep pressuring risk assets in volatile bursts, especially if yen strength continues, but markets may adapt over time. Japanese equities could benefit from domestic reforms.
• U.S. debt challenges will likely worsen, with annual interest payments projected around $1 trillion (or higher) and deficits expanding. This fuels ongoing “debasement trade” flows into hedges like gold and Bitcoin, potentially pushing yields up and constraining growth unless offset by strong AI/tech momentum.
• Stablecoins are poised for major growth, with many forecasts targeting $500 billion to $1 trillion+ in market cap by end-2026 (or beyond). Regulatory clarity (e.g., GENIUS Act implementation), institutional adoption, yield-bearing innovations, and integration into payments/DeFi could drive this, reinforcing dollar utility while serving as a bridge/hedge in a high-debt world.
Overall, 2026 could bring solid equity gains (especially AI-driven), Fed easing support, and continued rotation into alternatives — but expect volatility from debt dynamics, potential carry trade ripples, and macro/geopolitical risks. The “debasement narrative” looks set to strengthen, favoring scarce and hard assets like Bitcoin (with some bullish calls for new highs) and gold.
Let’s step boldly into 2026 together—a year brimming with resilience, creativity, and possibility.
We warmly invite you to reach out. Whether you have a sensitive matter, are ready to explore family strengthening, have a business idea, want to discuss business growth, AI & Crypto strategies, or simply want to catch up (virtual or in-person), we’d love to hear from you.
With gratitude and excitement,
Marius & Roosmari Croeser
Croeser Family Office Prince Edward Island, Canada
