Look at this simple image.

A stick figure in the past thinking, “If only I had done the thing…”
A stick figure today standing at the crossroads.
A future version whispering, “Do the scary thing. I don’t want to become the figure on the far left.”

Isn’t that the cycle many of us live through?
The fear of doing something new today.
The regret of not doing it yesterday.
The hope that tomorrow will somehow be different.

But here’s the hard truth: Tomorrow won’t be different unless you are.

As a financial professional, you’ve probably faced this in your own life.
Opportunities you saw but hesitated on.
Decisions you delayed because they felt uncomfortable.
Collaboration ideas you considered but pulled back from.

And now, looking back, there’s that familiar thought: “If only I had…”

What’s holding you back?

The idea of collaborating with Happyness Factory (HF) might feel like one of those “scary things.”
New. Different. Uncertain.
But is it really fear of something new—or fear of growth, change, and what it demands from you?

Because collaboration isn’t just about combining businesses.
It’s about challenging comfort zones.
It’s about asking, “Am I doing everything I can to build the firm of the future?”
It’s about realizing that doing more of the same might keep you steady—but will it help you soar?

Think about your future self.
What would they say?
Would they thank you for taking bold steps?
Or would they quietly regret that you didn’t?

The biggest regrets aren’t from things we did.
They’re from the things we didn’t do.

Opportunities to scale your firm.
Chances to build something extraordinary.
Moments when you could have partnered with people who care as deeply as you do.

HF isn’t just another firm.
It’s a movement to help world class financial professionals like you create firms that thrive beyond you.
It’s about systems, growth strategies, and client experiences that are world-class.

But none of that matters if you’re stuck in hesitation.
Because hesitation today becomes regret tomorrow.
And the gap between where you are and where you could be widens.

So here’s the question:
Will you listen to the voice that says, “Do the scary thing”?
Or will you meet your future self with the same old regret?

The choice is yours.
But remember—the scariest thing isn’t taking a risk.
It’s realizing you never did.