From the firm, we have Chairman and CEO Jay Jackson. And before I hand it over, a quick reminder: the Q&A tab is located at the bottom of the screen there. Feel free to type in any questions throughout the presentation, and we can save time for Q&A at the end. But with that said, I will hand it over to Jay. Thank you, Brendan, and thank you, everyone, at the conference. We've spoken to many of you over the last day or so, and look forward to more questions and engagement as we move forward. Abacus is a pretty incredible story that actually goes back now over 20 years. Even though many of you might just be learning this story for the first time, this isn't a business that was, you know, even though we've been public now for 10 quarters or two and a half years, we had a very strong history for 18 and a half years prior to that. And so we're very excited to share that story, where we started with and kind of where we've grown into and how we're able to capitalize this as a public company. One of the things I'll point out to you before we even get too far into the presentation is, you know, system takeaways that I hope that you pull from this presentation and that you can easily take back with you. I think that, you know, as a company, we present a very unique opportunity in this kind of market. Abacus, first and foremost, is an origination company, and you're going to hear me talk a lot about that. What does that really mean? Well, in simple terms, it's kind of like we're the manufacturer. We make the goods. But not only are we the originator, the manufacturer, but beyond that, we're also the asset manager. So when you think about if you were designing kind of a perfect asset management firm, it would have key access to the underlying asset that they're trying to invest in, right? In a sense, we control our own destiny, and we are able to purchase and acquire an asset that is really hard to aggregate. And a lot of this has been leveraged into our results and as we continue to evolve into our data and our technology and the other areas that we're really capitalizing on. But in its essence, what we're doing now is truly capturing the life cycle of our client. We are working in four different verticals that all have great symmetries and ties to each other that are based on our core fundamental business that we've been doing for really the last 20 years. And if you look at the underlying stock or the performance of the actual public, I always ask people or challenge them just to think about this. We are a business that in Q1 reported year-over-year growth of over 100% in revenue, 100%. We have an adjusted net income guidance out right now that is targeting year-over-year growth of approximately 80%. We have an EBITDA margin that is greater than 60%. Our ROE and our ROIC are both over 20% on our underlying business, and our balance sheet turns on average twice a year. If you were looking at that business, what assumption would you make on a multiple basis that a company like ours would trade at? If you were doing review, and by the way, same management team, I've been CEO of this business for a decade. Our founders are still come to work every day, have been here for the last 20 years. Management team that has been in existence for this entire time with almost no turnover. I'll add two more interesting statistics. Over the last 10 quarters since we've been public, we have exceeded analyst expectations in every single quarter, 10 beats in a row. Six of those beats were by 30% or more. Now just take a pause. What multiple would you place on a company like that? I pause because I want to really hopefully catch your attention to the opportunity that we're sharing with you today. Today, we're going to go over the underlying business and spend some time on that, but I also need you to really hopefully appreciate the opportunity. Currently, Abacus has done fairly, you know, had a nice run over the last few weeks, but beyond that, we're trading at ±2.5 earnings of an eight between seven and eight multiple. So effectively mid- to high-single-digit on a multiple basis. In 2026, we're trading at the mid digits. We announced our dividend for the first time this year, and that is an annual dividend. So on top of all those great stats I shared with you, you're looking at a stock with growth characteristics that has a dividend yield of over 2%, 2.5%. In any other circumstance, you would look at this and say, "Okay, what am I missing?" And that's what we're going to talk about today. I think it's just a disconnect as the market learns more and more about our story. You can be an earlier adopter of this story because you've taken the time to listen to this presentation and better understand the business. David, next slide. Next. We have our three pillars of what our corporate strategy is. And if you take things away, it's just very important to kind of understand some of the things that we've just talked about, right? What drives this? First, we're a dominant player in an underpenetrated market. We have a market, TAM, that exceeds, you know, things that Google would blush over. Life insurance is a $14 trillion industry. We are not a life insurance company. What we are is an asset manager, meaning that we purchase and acquire life insurance assets that are typically uncorrelated. And because we are such a dominant player, we have certain capital efficiencies, and we're the only public company in our entire industry with now recurring revenue and growing. So when you consider where our recurring revenue mix is, currently, we sit at 15%-70% over the next two to three years, and the case I want to lay out to you is what comes next. Next. As you look at the last quarter, I mentioned that we were in triple-digit growth, year-over-year growth of 124%, year-over-year growth, and our capital deployed was up 10%. Our total inflows were over $100 million. Our adjusted ROI and ROICs both over 20% and our margin over 60%. Again, just take a pause and think about how many other companies that you work with, cover, or invest in that can tout those kinds of statistics. Next slide. We can see what we've done. And when you think about where we're going, this is such an important slide. Of all the slides you see today, hopefully, this is the one you refer back to in three years and say, "He told me he was going to do it, and look what they've done." Our business originated and really began out of our Life Solutions division. What this division does is, as an origination company, we work within a highly regulated asset class where we source and purchase life insurance policies as assets, effectively buying policies as an investable asset. And this is supported by the U.S. Supreme Court. You may not know this, but the U.S. Supreme Court ruled in 1911, over 100 years ago, that life insurance is personal property, meaning you own it. It's the only ruling in the world that says that. And because of that, you can sell it to a third party. If you filled out a life insurance application in Canada, do you know what the first section would say? Applicant. You know what it says in the United States? Owner. And because of that right, you have the right to sell this to a third party. However, this is highly regulated. This transaction is highly regulated in every single state, and those states require separate documentation, very much, very many pro-consumer rights, including beneficiary sign-offs and physician sign-offs on the transaction. Abacus sits as one of the few companies that is not only licensed in every state to do this, but is also the only publicly traded company in this industry. We have continually grown this business with a massive TAM, so what I mean by that is it's a $14 trillion industry. To give you some perspective, that's two and a half times the U.S. residential real estate market, 2.5 times. However, 90% of those life insurance policies will never pay a claim, nine zero, nine out of ten, and that's because people, individuals, don't treat their life insurance policy as personal property. They instead treat it like debt or a credit. They don't see it as for themselves. And what we do is educate people that this financial objective works for them. Now, what makes the asset really interesting and unique is that because we're the origination company, we have what might be deemed for an asset to be out-of-market returns. And that's true. We see things in that 20%-21% range on our historical trade spreads as well as our ROEs and ROICs. What we have historically done is aggregated these policies on our balance sheet, put them in tranches, and then resold them to third-party institutional investors, all large private credit funds that you know well. And this is kind of the gold of the asset. Because let's just think about it. Why does an investor want to own this asset? Let's just put it into terms. First of all, the underlying asset is typically A-rated, incredibly highly rated, that to date hasn't had a default. So if you were investing in any kind of private credit, A-rated, that's a good start. Secondly, the underlying contract is regulatory cash reserved. So you have cash reserves sitting at that issuer. Third, this is very much like a zero-coupon mortality-driven zero-coupon, meaning it has a positive theta. As you get closer to maturity, it increases in value. If the underlying policyholder is an 80-year-old, one year later, they're going to be 81. They can't stop that. This is a self-liquidating asset that's going to pay you back, at the very minimum, the face value, but you're buying it at a discount that's going to accrete in value as you get closer to maturity, and then thirdly, think about this. It's uncorrelated to the rest of the market. Not only is the underlying asset that we're originating and managing uncorrelated. Think about this economy. Think about the timing right now. There are policyholders out there that are seeking liquidity where they hadn't sought liquidity before. That drives up originations. In addition to that, there are asset managers looking for uncorrelated yielding assets. And that's where they come to us to do that. And what we realized over the last two to three years is that we needed to do a better job of participating in the revenue that we're creating for other businesses. So let's start with Asset Group. In June of this past year, we came out with a pretty lofty goal. And the idea was our Life Solutions with those ROEs generated at the time almost 100% of our revenue. We stepped into the asset management business so that we could capture another life cycle of not just our client, but also of the underlying contract that we worked so hard to originate. Our target five years was 30%. We've already met half of that in the first four months. We are raising capital every quarter. The underlying asset is in high demand. We've raised nearly $500 million this year already, and our recurring revenue went from effectively 1% of our business mix to now over 15%, heading to 16%, and very quickly, over the next three to five years, heading to 70%, without pulling back the revenue on Life Solutions. S o, people ask me frequently how we're growing from a small cap to a mid cap. This is the path. I think it's very safe to say that if you look over the last two years, we've tripled revenue, tripled. What are we going to do over the next three years? Double revenue. As we look at our model and we look at how this is going to model out on a go-forward basis, we have a plan in place to put us in a position to where 70% of our revenue is recurring without pulling back from our Life Solutions division. And I think when you're evaluating a company and their business and their growth prospects with the amount of TAM that we have, what I love about this model is that they all feed each other. As originations increase, what else increases? Asset Group increases. Our technology is very exciting because how do we design and develop and acquire policies? The first thing we do is we get what we call a HIPAA release from the underlying policyholder so we can re-underwrite them in today's terms. We pull their updated medical files, and from those medical files, we can then write a summary, and then we send those summaries out to third-party actuarial firms who help us better understand what those estimates are. But here's what it is. You take that summary, and we track mortalities back over time, and we look at the same exact scenarios that have happened to that individual going backwards. And you can look at so many mortalities in year one, year two, year three, year four, year five. This isn't a guess. This is exactly what's happened. And think for a second, how valuable is that data? Who else could really use that data? Maybe pension funds, U.S. governments, right, to help better predict how they could have those what they call unfunded liabilities. But we went a step farther. One of the fails in the United States is people don't know when mortalities occur here, meaning agencies and pension funds. You heard about this in the last election cycle. It was very popular, and both candidates were talking about this, how the Social Security Administration was paying people who had been passed away for decades. And it's because they don't know that that person has passed away. It's a very inefficient system. What Abacus had to do, because working with our institutional clients, they had clearly laid out to us that we can't wait decades to collect a claim ultimately on a life insurance policy. So instead, we started building the systems ourselves five years ago so that we knew first for our own underlying portfolio. And you'll hear more about the growth of this. But effectively, we can now track with a 99% accuracy and within 48 hours know every mortality that's happened in the United States on a comparative basis. Do you know how long it takes the Social Security Administration to identify that same mortality? On average, it's about nine months at a 30% accuracy. We are taking that data and reselling it to some of the largest pension funds in the United States. And you'll see the growth of that business. But that business has grown 300+% just this year, just this year. We went from a few thousand lives to over 3 million through Q3 that we're tracking. And we're paid per life on that business. So you can see the growth trajectory is probably going to happen much, much quicker in our technology area. And then our Wealth Advisor area, as we're looking at that business, we just want to capture the life cycle of our client. We've just paid them $1 million for their policy. Why wouldn't we offer them financial solutions that are based upon the same lifespan that we gave them? What's the number one fear of people in retirement? Running out of money. Wouldn't it make sense to provide that longevity and lifespan data so that they could better allocate those assets? And quite frankly, who should they be allocating those assets with? We believe here at Abacus. So when you look at where we were and then where we're going, I think that it really tells a compelling story of what's going to happen over the next two to three years. As great as things have been, as good as those numbers are, wait till you see what's coming. Next slide. This is effectively our four verticals all in the same vision as we've laid out the summary, and I hope that each of you gets an opportunity to download this presentation, and you can kind of see these bullets that we've certainly talked about and why these are not only attainable as we divide into these verticals, but these are things we already do. This isn't some pie in the sky. I hope this works out. This is some random idea that I want to add to our business model. These are things we're already doing. We're just monetizing them. Next slide. I think as you take away one of the things we're talking a lot about, when you look at those four verticals, they're all based on the same premise, is that at Abacus, we control our destiny. We're not dependent on any other origination vehicle or company to be able to execute on these verticals like we just spoke about, as you can see what's happened with our own origination business and now our asset management business. Next slide. Our Life Solutions, we've spent a little bit of time already talking about that. As we look at the business model, what I love about this model is that it has a massive moat around it with the same management team. The moat is driven by a couple of things. First, regulatory. It's really hard to go get licenses in every state. But secondly, when you consider the amount of work necessary to be able to convey this message to policyholders and financial advisors, we partner with nearly 30,000 financial advisors across the country. That is an infrastructure that takes years to set up. And because of that, that's how we're able to develop these out-of-market returns. Next slide. We also do our servicing, excuse me, our sourcing and our origination. How big is our sourcing? Just to give you some perspective, qualified policies reviewed this year are almost 6,000. Total policies reviewed year to date, unqualified and qualified, 78,000. We have worked through a process using our technology to quickly assess whether these policies qualify or not. And that gives us the ability to be able to speak very specifically to the policies we want. So effectively, we're buying the best of the best. We run national television campaigns on CNBC, Fox, CNN, MSNBC, Hallmark Channel, Bloomberg. We're on every major network sharing this story with a very simple calculator so that somebody could come in and quickly assess whether their life insurance policy has a market value or not. Next slide. Within the Life Solutions, we just think that it's very important that we control this value chain. Starts at origination. Now we're going to collect management fees. So let's assume I originate a single policy. I've originated that policy. I've incurred costs to do so. I can trade it, sell it. There's a lot that I can do with it. But why wouldn't I want to collect fees all the way through the process? And now I've got management fees on our Asset Management. We then collect servicing fees for the Asset Management funds. And then ultimately, on the back end, we're now able to collect performance incentive fees. So you can see at what started as a single source of revenue at origination now goes into three additional sources of revenue on the same contract that we already had. Next slide. Within our Asset Management funds, we're very excited to report how much growth we've had. Through Q3, we're at about $354 million in additional new capital. To give you some perspective, if we were looking at this in Q3 2024, that capital raise was not even a third of that. So we're about 3x or 300% growth in our AUM just this year. And it continues to grow. This is our kind of market. And we're capitalizing on our track record to select the best policies. These are typically institutional investors within these products. Next slide. Our expectation is to continue to grow that asset management business. To give you some perspective, we're already managing in total right around a little north of $3 billion in AUM, $3-$3.5 billion, and growing. We expect that business, as we get out five years, to be in the $10 billion range, just as you start to think about how you might model or forecast this going forward. We also do policy servicing. We currently service nearly 3,000 policies, almost the same amount of insureds, and $6.3 billion. We've quickly become one of the strongest servicing companies for this asset. We're growing that business to even work on servicing on current in-force books of business for carriers. Next slide. We offer a suite of ETF solutions. We spent some time on this, but we acquired an ETF manager to capture one simple concept. Again, it goes back to the wealth management. We provide lifespan-based solutions for people, ultimately, right? We give them their lifespan. It helps them better understand the value of their life insurance policy. Using that same lifespan, wouldn't it make sense to have target date funds based on someone's lifespan? That's what we're doing with our ETFs. We are constructing lifespan-based target date funds using these underlying ETFs. These ETFs have great track records. They're free cash flow leader-type products that effectively only select the top 50 leading companies that predominantly lead with free cash flow. Great underlying stocks and businesses that are within an ETF format to be in a target date for retirees. Currently, AUM is just under a billion dollars at $862 million and has a strong institutional following. Next slide. We highlighted a little bit our ABL Tech division. We talked about its hit rates. To be able to acquire the mortalities within 48 hours at that success rate is incredibly appealing to institutions, particularly pensions, who've been predominantly driven by a lot of our clients, third-party administrators, insurance companies, mortgage lenders, union pension funds. When you start to think about the TAM of this business, it goes to almost 100 million lives. So we're just getting started. But from where we were in Q1 of 2024, just think about this. Q1, so 18 months ago, we were at 26,000 lives we were monitoring. We're now monitoring 2.6 million. And we expect this to be closer to 4 million lives by the end of the year. So you can see how the need and desire for this business, and you can see where the revenue is going to continue to grow. Next slide. Our Wealth Advisor. This is, again, a feed off of everything else that we do. We have these lead gen sources. We have people who are asking for additional financial advice. It's a build it or buy it model. We have begun to build it. We have an RAA and a broker-dealer. And we're looking closely at various opportunities that would fit within our platform that would be an accretive partner that we could also add within our wealth advisory to capture overall wealth planning for our clients that we've just created an exceptional amount of capital for. Next. So when we originate policies, we effectively now have three channels to sell those policies to. As I highlighted very early on, we tend to turn policies off of our corporate balance sheet twice per year. Where do they go? One is institutional sales. These are selling these in tranches directly to large private capital managers as well as insurance companies. Very straightforward. Two would be in managed funds. Having GPLP funds, which I've highlighted to you, our own longevity-based funds that now we currently have about 3 billion in AUM in those products, and we grew through Q3 up to $350 million in additional AUM just in the first, really, and those launched in March, so that was really over a six-month period, and then thirdly, which we're very excited about, we launched our first securitization in August, excuse me, in October of this year. This will truly have a significant impact in this longevity asset category. This securitization was done by a third-party rated note that we were able to capitalize on investment at a very significantly lower cost of capital. So this optimizes our cost of capital in a rated scenario and also provides additional consistency of capital funded by investors and institutions in both insurance companies and banks. We expect to have more securitizations in 2026. And we think that this will become a significant piece of our distribution channel. Next slide. Our securitized products, as we put out, is growing into a securitization. It's effectively a securitized tranche of assets that is rated that went out institutionally. Next slide. Our financial overview, as we've highlighted, next slide. You can see our EBITDA increase. You can see, I go back one slide, please. Sorry. Our revenue increase, triple digits. Adjusted EBITDA increase, triple digits. Adjusted net income, 60%. Pick those three numbers and stack those against any company you're following. I'd be curious to see if somebody beats them. That's all. Next slide. Our strong fiscal year 2025 guidance. We initiated our guidance after Q1 of $70 million-$78 million. We beat that. We raised fiscal year 2025. Q2, we went to $74 million-$80 million. We beat in Q2, and we raised Q3. We beat that number. We raised again $80 million-$84 million, which puts us at a year-over-year change on adjusted net income of 72%-81%. These are the types of growth numbers that NVIDIA puts up. Yet we trade in the single-digit multiples and a dividend yield. I think this creates a significant opportunity, and as others learn this story, what I know about markets is that they're incredibly efficient, and we won't be there for long. Next slide. We also initiated our first annual dividend. This will be an annual payout dividend. We expect to pay this every single year of $0.20 per share. The ex-dividend date was on December 2nd. Our investors were very excited about this because now they could actually see some of that capital coming back to them. We were capitalizing them as investors. We still have significant excess cash to deploy our strategy to continue to buy policies on our balance sheet. The thing that I'll share with you is that if you really think about this, here we are growing at these rates. We also announced a buyback. I think next slide. We also announced a buyback, a dividend. At the same time, we don't have any intent in putting out new shares. You're in a position as an investor to know that we're not intending on putting out any new primary shares, and we're actually buying the stock back, trading where we're trading. It tends to make a lot of sense. Next slide. We can look at the historical financials and KPIs. Please take a look. We were running a little short on time, but you can see the growth that we've had over the last 10 consecutive quarters. Next slide. These are our KPIs that when you get a minute, flip through these, take some time, understand when we give you exactly how we make money every quarter. You can see our annual turnover rate versus our target. You can see our holding period. We had a slightly longer holding period in Q3 where we sold the long end of our book. You actually saw that recognized in a higher realized gain. Yes, that's an average realized gains of 37% for the quarter. That's not a one-time; that was an average. Historically, we see this hover in the 20%-25% range. Next slide. So as we go through the financial appendix, I'd like to leave you this in summary. Abacus is a business that might be new to you. And as people learn about this story, it won't be new forever. We are a company that is continuing to diversify our revenue streams, expanded our recurring revenue, growing at exceptional rates while maintaining our margins with the same management team that we've had effectively for the last decade. And we are incredibly excited to spend more time educating you on this story and the general public. We have made a commitment to continue this education process through both retail as well as institutional. So thank you, everybody, for your time. Great. Thank you, Jay. We really appreciate the overview there. I know we didn't have the chance to get to Q&A, but if anybody has any questions, you can reach out to Sidoti, or you can contact Abacus Global directly. Thanks, everybody, for the time today. Thank you. Take care.