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juliaswansoninsuranceadvisor · 7 months ago

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Retirement Planning and Insurance in the Cayman Islands: A Comprehensive Guide

Retirement is a milestone that many people look forward to, but it’s also a phase of life that requires careful planning to ensure financial security. In the Cayman Islands, where the cost of living is relatively high, having a robust retirement plan is essential. This comprehensive guide will walk you through the key components of retirement planning and the critical role that insurance plays in securing a comfortable retirement in the Cayman Islands.

1. The Importance of Retirement Planning in the Cayman Islands

Retirement planning is about more than just saving money — it’s about ensuring you have the financial freedom to live comfortably in your golden years. With the unique financial landscape of the Cayman Islands, including its tax-free environment and higher cost of living, individuals must consider various factors when planning for retirement.

Keywords: retirement planning, financial freedom, Cayman Islands

When planning for retirement, it’s essential to consider future expenses such as healthcare, housing, and lifestyle changes. A well-thought-out retirement plan will help ensure that you can maintain your standard of living without financial stress. Additionally, in the Cayman Islands, it’s crucial to factor in the lack of direct taxes, which means you may have fewer tax-advantaged retirement accounts than in other countries. However, this also offers an opportunity to maximize investments and wealth accumulation.

2. The Role of Insurance in Retirement Planning

Insurance is a critical element of a successful retirement plan. It provides protection against unforeseen events that could derail your savings, such as health issues, accidents, or even death. By incorporating insurance into your retirement plan, you safeguard your financial future and provide for your loved ones.

Keywords: insurance, retirement plan, health issues, financial future

For retirees in the Cayman Islands, medical expenses can be a significant burden, especially if you’re dealing with critical illnesses or prolonged care. Life insurance, health insurance, and critical illness coverage are key components that can provide financial relief in times of need. Furthermore, some life insurance plans offer investment opportunities, allowing you to accumulate wealth that can be used during retirement.

3. Types of Insurance for Retirement Planning in the Cayman Islands

There are several types of insurance policies available in the Cayman Islands that can be integrated into your retirement strategy. These include life insurance, health insurance, and long-term care insurance.

Keywords: life insurance, health insurance, long-term care insurance, Cayman Islands

Life Insurance: Life insurance is vital for retirees who want to leave behind a financial legacy for their loved ones. Certain life insurance policies also provide investment opportunities that can be cashed out during retirement.

Health Insurance: Health insurance is indispensable, especially as you age and require more medical attention. Private health insurance in the Cayman Islands can help cover costs not included in public healthcare services.

Long-Term Care Insurance: Long-term care insurance ensures that you receive the care you need if you’re no longer able to care for yourself due to age or illness. This type of insurance covers nursing home expenses and in-home care, both of which can be costly without proper coverage.

4. Investment Opportunities in the Cayman Islands for Retirement

The Cayman Islands offers a unique financial environment that can be advantageous for those planning for retirement. Investment opportunities, including real estate, offshore accounts, and various tax-free vehicles, can help individuals build a substantial nest egg.

Keywords: investment opportunities, offshore accounts, real estate, tax-free vehicles

The lack of capital gains, property, or income taxes makes the Cayman Islands an attractive location for investing. Real estate, in particular, is a popular choice among retirees looking to grow their wealth. Additionally, offshore investment accounts allow individuals to diversify their portfolios, which can provide higher returns and reduced risk. When planning for retirement, it’s essential to take advantage of these opportunities to grow your savings.

5. Pension Plans in the Cayman Islands

Pension plans are one of the most critical tools for retirement planning. In the Cayman Islands, employers are required by law to provide pension benefits for employees, which serve as the foundation for many individuals’ retirement income.

Keywords: pension plans, retirement income, Cayman Islands

In the Cayman Islands, the National Pensions Law ensures that residents contribute to a pension fund throughout their working lives. Both employers and employees must contribute a percentage of earnings to a pension plan. The accumulated pension fund can then be withdrawn during retirement to provide a steady income. However, the amount saved through mandatory pension contributions may not be enough to sustain your desired lifestyle, which is why it’s essential to supplement your pension with personal savings, investments, and insurance.

6. Navigating the Cost of Living in the Cayman Islands During Retirement

The cost of living in the Cayman Islands is notably higher than in many other parts of the world. This reality makes retirement planning even more critical to ensure you can maintain a comfortable lifestyle. Expenses like housing, utilities, groceries, and healthcare can quickly add up, especially without a steady income.

Keywords: cost of living, Cayman Islands, retirement expenses, healthcare

To navigate these challenges, you’ll need a robust financial strategy that takes into account your anticipated retirement expenses. Health insurance, in particular, is essential as healthcare costs can be significant in retirement. Budgeting for these expenses and ensuring you have adequate savings and insurance coverage is key to a secure retirement.

7. Estate Planning and Retirement in the Cayman Islands

Estate planning is a crucial aspect of retirement, ensuring that your assets are distributed according to your wishes and that your loved ones are taken care of after your passing. Estate planning goes hand-in-hand with retirement planning, especially when it comes to managing life insurance policies and other assets.

Keywords: estate planning, assets, life insurance policies, retirement

In the Cayman Islands, estate planning involves managing your assets, property, and any investments that will be passed on to your beneficiaries. Life insurance plays a significant role here, as the payout from these policies can be used to cover estate taxes, funeral costs, and provide financial security for your family. Having a will, trust, and life insurance policies in place is essential to ensure a smooth transition of assets upon your death.

8. Tax Considerations for Retirement in the Cayman Islands

One of the major benefits of retiring in the Cayman Islands is the lack of direct taxes, including income tax, capital gains tax, and estate tax. This tax-free environment makes the Cayman Islands an attractive destination for retirees looking to maximize their retirement savings.

Keywords: tax considerations, tax-free environment, retirement savings, Cayman Islands

While there is no direct taxation, it’s still essential to consider the cost of living and potential taxes in other jurisdictions if you have international assets or plan to spend time outside the Cayman Islands. For those with investments in foreign countries, tax implications may still arise, so it’s crucial to consult with a financial advisor to ensure compliance with international tax laws and to optimize your retirement strategy.

9. Creating a Personalized Retirement Plan in the Cayman Islands

No two retirement plans are the same, as everyone has different financial goals, lifestyles, and needs. In the Cayman Islands, creating a personalized retirement plan means evaluating your current financial situation, identifying your retirement goals, and finding the right balance of savings, investments, and insurance.

Keywords: personalized retirement plan, financial goals, Cayman Islands

Working with a financial advisor who understands the unique financial landscape of the Cayman Islands is highly recommended. They can help you assess your needs, adjust your plans as circumstances change, and ensure that you have the right combination of pension benefits, investments, and insurance coverage to support your retirement lifestyle.

10. The Benefits of Working with a Financial Advisor in the Cayman Islands

Given the complexity of retirement planning, especially in a unique jurisdiction like the Cayman Islands, working with a financial advisor can help ensure your financial security. A financial advisor can provide personalized guidance, assist in optimizing your pension contributions, recommend investment opportunities, and help you select the right insurance products.

Keywords: financial advisor, financial security, retirement planning, Cayman Islands

A knowledgeable advisor can also keep you updated on changes in local laws that may affect your retirement strategy. By working with a trusted professional, you can have peace of mind knowing that your retirement is well-planned and protected.

Conclusion

Retirement planning in the Cayman Islands requires a thoughtful approach that incorporates savings, investments, and insurance. With the right strategy, you can enjoy a financially secure retirement while making the most of the Cayman Islands’ tax-free environment. Whether you’re just starting your retirement journey or nearing retirement age, it’s essential to plan carefully and seek professional advice to ensure a comfortable and stress-free future.

Keywords: retirement planning, financial security, investments, insurance, Cayman Islands

#insurance #investment #cayman #finance #economy #business #startup #entrepreneur #investing

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emberfrostlovesloki · 1 year ago

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Now You're Everything [Hotch x Reader]

Photo credits: Left (@unheartbreakable) Center (@milla984) Right (@poseidonsarmoury)

Prompt: It’s been a long time coming and after an emotion-heavy year, Aaron finally shows the BAU-reader how much he wants them.

Pairing: Aaron x fem!reader. The reader uses she/her pronouns.

Category: fluff/comfort/minor whump.

Word Count: 9.9K

Content Warnings: Light swearing and drinking, mention of kidnapping and torture [Hotch], Hospitals and IVs, Minor unwanted advances [reader]. If I missed any, please let me know.

A/N: Hi, loves! Happy New Year's Eve! This is for my love @silk-spun. It is the second fic I’ve written based on my December Prompt List (linked) Dialog prompt #6: “Let’s skip the office party and go out on the town instead!” I changed the wording a bit, but this is basically all the times Aaron and the reader don’t have the right words to confess, and the one time they don’t need them to get their message across. There is one short mention of Aaron being tortured on a case, and I plan on turning that into a full fic soon. So look forward to that (?). I hope you have a great evening and stay safe. If you like this fic, likes, comments, and reblogs are appreciated! Love Levi - ❤️

List wil all stories

_y/n_ = your name

_y/l/n_ = your last name

_y/f/c_ = your favorite color

_y/f/c/b_ = your favorite caffeinated beverage (i.e. coffee/tea/energy drinks)

_y/l/f/d_ = your least favorite designer

_y/f/d_ = your favorite drink

Aaron looked around the room which was shockingly full for it being 9:30 p.m. He scanned the groups of people clustered around tables and sitting in chairs talking. Some had plates of food, others glasses of alcohol or sparkling soda. The person whom the supervisory special agent was looking for wasn’t there. He wondered if she was using the lady's room. The last time he’d seen _y/n_ she was being cornered by Freddy from finance. Aaron hadn’t attempted to listen in on the conversation because it was mostly Fred talking to _y/n_. It seemed the pox-faced man wasn’t letting _y/n_ get a word in edge-wise. That sounded like a personal hell that he would avoid at all costs. He had to do enough wine-ing and small talk at the annual Winter Holiday party as it was. He’d talked to Strauss, the Director of the Pentagon, and all the other heads of teams that had made it to Quantico for the party. He’d heard about so many cases that they started to blend together, but for Aaron, nothing would top his team or the crimes they solved. Hotch listened to Bernard Shaw, head agent for the Tax Fraud department, as the white-haired man droned on about a new loophole for the Cayman Islands and how much of a pain it had been that year. Aaron looked over his team with a soft appreciation for how hard they all worked, how they had gelled to feel more like a family than just profilers doing a difficult, dangerous job. There was Derek, who could always be called on to help with anything. The built agent was talking to Spencer. The genius had been so young when he joined the team. Aaron had taken on a fatherly role with Spencer without even thinking about it. Before Jack had ever been born. Rossi had just taken Aaron’s place with Strauss, and they were talking about some half-shared hobby or new bureau policy. Both of those conversations looked the same. Hotch caught Dave’s eye and the older man gave a small shrug, indicating, “This is what the holiday party is for. Making nice one last time before we get a break.” Aaron gave a small nod of agreement before turning his attention back to Shaw. The man hadn’t noticed as Aaron’s attention had waned and then returned to him. Hotch cleared his throat and said, “I’m going to refresh my drink, but it was good to catch up, Bernard, and good luck in dealing with the fallout of S.B. 103b.” Bernard nodded, and the two men shook hands before Aaron walked back to the table with the alcohol on offer. As Hotch poured himself a glass of white. He guessed at how much the liquor alone for this party cost. His guess was around 2,000 dollars. The FBI didn’t ever recommend frivolous spending, but even they realized that sticking a hundred agents and department heads together required the good stuff.

As Aaron sipped on the cool chablis, he swirled the liquid in his glass slightly. The rare sound of mirth at this dull and quiet frankly depressing party was coming from his team. It was Emily, JJ, Garcia, and _y/n_.” As he looked at _y/n_ in her semi-formal _y/f/c_ dress that was just long enough to be appropriate, Hotch assumed it was some cocktail dress _y/n_ had pulled from the back of a closet behind all of _y/n_ business formal and work attire. The black tights made the outfit work in a fashion way that Aaron didn’t have the right words for. He had to tear his eyes away because if he kept looking at _y/l/n_ much longer, the butterflies in his stomach would soon unfurl their wings and move into his ribcage in a way that he hadn’t felt in a long time. Aaron moved to Rossi, who was free now for support. Dave grounded him, which he needed right now. His feelings for _y/n_ had been coming to a head for months now and somehow, Aaron didn’t feel the bureau holiday party was the place for a confession. Even if _y/n_ was receptive to his advances, he worried. His role as her superior and the age gap had him wondering if they had enough in common to sustain a relationship. They’d grown up in different decades, and y/n_ seemed to have the youth and energy he lacked as he neared late middle age. The part of Aaron that longed for _y/n_ in unexplored ways knew that Hotch’s concerns were self-imposed. That _y/n_ had been sending him small signs of affection and care that didn’t even think he deserved. But Aaron’s fear was real and steeped in policy and power dynamics that would come with having a committed relationship with _y/n_. Hotch moved next to Rossi and asked his friend about his New Year's plan. If he was currently seeing anyone. The basic life and catching up questions that they rarely had time for during work. As Dave answered, Hotch’s eye kept flicking back to _y/n_, as she laughed at some comment of Penelope’s. Rossi noticed and stopped talking about himself. Instead, he said, “She’s not going to wait forever you know, Aaron. _y/n_’s a patient person, but I think she deserves to know how you feel about her.” This comment had Hotch flush and take a breath in. Aaron had tried very hard to keep any of his feelings for _y/n_ hidden beneath a cloak of professionalism and feigned disinterest in the team's personal life as a whole. After all, he was their boss foremost, but it was hard to tune out when the team spoke of their weekends. It was doubly so when it was _y/n_. He’d overhear her complaints about bad dates and rent, and how her dryer was broken in her unit. Hotch had wanted to offer to fix it himself but stopped himself before the words could slip from his mouth. He’d also heard her when she talked about the good things like a new cafe she had found, or getting tickets for a band she adored. If _y/n_ was talking and Aaron was around, he listened but tried to look very hard to not look like he was listening. He wondered if he had played into that a little too hard. Hotch looked at Rossi and asked, “Is it that obvious? And what if _y/n_ doesn’t feel the same way? Her feelings could just be due to proximity, or that I’m her boss or something.” Rossi scoffed and said, “You’re deflecting, Aaron. This isn’t Fifty Shades of Grey. A young woman is allowed to have feelings for a guy, who in my opinion is a pretty good catch.” Dave’s complement had Aaron scoff, but that didn’t stop Rossi from continuing. “Listen, Hotch. I knew you liked her and that she liked you ever since you were in the hospital after the case in Indianapolis. I think what happened in that hospital room told me that there was more than just a feeling of friendship between you and _y/n_. As for whether her feelings are the same way for you and you do for her, I can’t tell you. I’m no love expert. But you’re never going to know how she feels about you unless you ask. And I think you both deserve to know the answer, Hotch.”

With those words of advice, Dave gave Aaron a pat on the arm and excused himself for the night. The older profiler had done the rounds with the higher-ups and was excited to head home, nurse a whiskey, and watch an episode of The Suprano’s. Aaron on the other hand still had about five people to speak to before he could excuse himself. The added discussion about _y/n_ wasn’t going to make small talk any easier. So, with wine still in hand, he steeled himself for another hour of conversation. Hotch had almost made it through the last of his people. He needed to “catch up with.” The room had cleared significantly since his talk with Rossi. Derek, Spencer, and Em had all left, waving or saying a quick goodbye to him as they exited. Garcia was talking to a tech friend of hers from the third floor, and JJ was speaking in hushed tones to Will. But _y/n_ was nowhere to be found. Hotch watched as Arnold, the last person he should talk to approached him. Aaron didn’t think he could take any more small talk, and because Arnold was in Legal, he always asked Aaron loads of questions. Although Hotch didn’t mind flexing his JD now and again, he preferred to do it in a courtroom, not at parties, and not with Arnold Shortes nearly taking notes over their conversation. Aaron turned on his heel and walked quickly to the elevator before Arnold could catch him. Even after a few minutes _y/n_ still hadn’t come back into the second-floor conference room which had been cleared and rearranged for the party. He considered that _y/n_ might have dipped out with Emily, but he was sure she would have told him goodbye before she had left. She always told him goodbye unless he was in a meeting or seemed overly absorbed in his paperwork. _y/n_ introducing her comings and goings had become so routine that he used it as an informal clock now. _y/n_ would always enter the bullpen at 7:45 a.m. sharp unless there was something amiss. And then in the evenings at 5:10 p.m., she’d knock on his office door and wave before skipping down the stairs and to a life that Aaron assumed was filled with much more interesting things than his own. In fact, Hotch had become so accustomed to using _y/n_’s timeliness that he had almost missed a meeting with Strauss because of it.

Hotch had been sitting in his office looking over a case report, waiting to hear _y/n_’s chipper, “Hey guys,” down in the bullpen. He knew once he heard that he’d have just enough time to grab a coffee, wave to the team, and then make it to Strauss’s office. But it seemed to be taking longer than usual. Concerned, Aaron looked at his watch and was startled when he realized it was already 7:55 a.m. Aaron had to run to the elevator and just barely made it to the meeting on time. After the hour with Strauss, he had found JJ and asked, “Where’s _y/l/n_?” A tinge of concern laced his voice. The media liaison had replied, “She caught a bad cold last night. She just called Emily to let her know that she’s taking the day off with PTO.” Aaron nodded, absorbing the information. He was glad to know that _y/n_ wasn’t in any trouble, or stuck in traffic, but being sick didn’t sound great either. Aaron had spent the rest of that day fiddling around anxiously. Hotch knew it was because of _y/n_ but refused to admit it. Finally, when 5:10 came around, he pulled out his cell and called _y/n_. She’d picked up on the third ring and sounded terrible as she said, “Hey, Hotch. What is it?” Aaron let out a breath and said, “Sorry to disturb you, _y/n_. I just wanted to see how you were doing?” There was a muffled cough on the line, and Aaron cringed as _y/n_ hoarsely replied, “I’m still feeling pretty bad, but the fever is down at least. Hopefully, I’ll be back in a day or two.” Hotch nodded and replied a little too quickly, “Take all the time you need, _y/n_. When you feel better, come back.” There was an awkward pause because Aaron didn’t know what else to say, and _y/n_ hadn’t expected to hear such genuine concern coming from her normally very composed superior. At least not over a little cold. Eventually, _y/n_ who was feeling sleepy again said, “Thanks for checking on me, Hotch. I’ll be alright, just need some sleep.” Again, Aaron nodded. He replied, “Okay. Rest well, _y/n_. See you in a few days.” After that, he hung up and put his head in his hands in desperation. He knew he shouldn’t be having the feelings he was for _y/n_ It was inappropriate. His inner voice reminded him, “She’s sick goddamn it. She probably doesn’t want you around right now.” Aaron did justify his line of thinking slightly because he was just picturing making her some tea to smooth her throat and tucking the blankets around her more tightly. It’s not like he was having sex with her… though he’d had those thoughts before too. In his waking mind, he could stop those images with ease, but in his dreams when he made love to her, it was always overpowering. A time or two, he’d even waken mid-dream to find his body aroused and tense. On these occasions, he’d had to go to the bathroom and find release below a steaming shower. The guilt of doing this weighed on him heavily. One of the times he had done this was during a case, and he hadn’t been able to look at _y/n_ most of the day without flushing and internally reprimanding his body and mind like a teenager. But a majority of Aaron’s thoughts about _y/n_ centered around mundane things like waking up beside her, or cooking dinner together. Aaron knew he was boring, and led a boring life, but if it was possible, he’d like to lead it with _y/n_ beside him. Aaron sighed as the elevator reached his team’s floor. He wished he didn’t sound so melancholic, so lovesick. It wasn’t like him. But _y/n_ pulled the emotions from him like the moon pulled the tides. If nothing else, Aaron had learned something valuable tonight; as Rossi had said, _y/n_ wouldn’t wait for him forever, and they both deserved to know how the other felt about the other.

The bullpen was mostly dark with a few lamps on some desks still on, plus the lamps in Aaron’s office burned down on the rest of the space with their soft halogen glow. Hotch didn’t want to seem like a creep, but he wondered where _y/n_ had wandered off to, or if she had just left without telling him. The latter sounded unlikely. Hotch moved to her desk and noticed that _y/n_’s chair was pulled out with her bulky coat draped over the back, and her sneakers and socks sitting underneath the desk. This indicated to Aaron that _y/n_ was still around. Aaron leaned against the desk, much like Morgan did every day when _y/n_ got into the office. Hotch flushed at the idea of _y/n_ sitting in the empty chair. Being so close and causal like Derek or Garcia were with her. Hotch rarely found himself jealous of Morgan for many reasons, but in this case, he was. He couldn’t afford to be too casual with anyone on the team, especially not with _y/n_. If he was, he knew he’d fall head over heels for her. It was hard enough thinking and dreaming about her. He didn’t need more fuel for that fire. Thinking about this sparked a memory from earlier in the year, and suddenly, Aaron had a sense of where _y/n_ was. It had been after a long day in October. The time change had meant that it was dark outside before anyone left the office. The whole team was still around filling out some reports, except _y/n_ seemed to be missing. Hotch approached Emily and asked, “Where’s _y/n_?” Prenitess chuckled at his question and said, “Licking her wounds up on the roof. Freddy Hareld from Finance just made a big deal about “Just how keen _y/n_ looked. And how she must just be dying to get to know the city better now that she’s part of the BAU, and wouldn’t she let him show her around on Sunday.” Hotch’s eyes grew wide at the story. He was rarely privy to office gossip, even though he knew stuff like this happened around him all the time. However, his co-workers kept him out of the loop, which he didn’t mind until now. Aaron cleared his throat and asked, “Did she seem alright?” He wasn’t one to notice or judge men much, he knew he wasn’t perfect either, but Freddy didn’t seem like _y/n_’s type. Hotch was surprised the man had mustered up the courage to ask. Emily nodded and said, “She just looked annoyed. Apparently, Fred talked, loudly, for about five minutes before she had to shut him down and tell him that she wasn’t interested.” Even though Aaron trusted Prentiss, he wanted to make sure that _y/n_ was okay for himself. Office drama could be uncomfortable. Hotch had spent a good bit of time on the roof himself when he was new to the team. It seemed to be one of the only places in the building where you wouldn’t be disturbed, but now that Aaron had his own office, he didn’t need to find an escape from the team or his own thoughts anymore Much like the first time he had found _y/n_ on the roof seeking an escape, _y/n_ was leaning against the railing, looking out onto the canopy of trees that surrounded the Quantico office and the highway beyond them. Hotch cleared his throat, as he stepped closer to _y/n_. She turned around and felt a blush paint across her face when she saw it was him.

_y/n_ had just been thinking about him, and there he was. _y/n_ had been considering how they had both been dancing around the other's feelings all year. And two things _y/n_ knew for sure, she wasn’t great at dancing, and her feet were fucking tired. _y/n_ had hoped that there would be a way for her to tell him how she felt without it being awkward or jeopardizing her job. She hoped that she’d at least shown Aaron her care with her actions if not her words. Unfortunately, the few times that had seemed perfect had been cut off by Haley and Jack. The first time had happened in June. A terrorist group was planning on poisoning the largest high school in the region. It had all been a test run for a bigger operation that would take place in D.C. The team had caught on the terrorist’s trail first. But not before Hotch had been taken and tortured for information. The few seconds of audio that Aaron’s captors had shared were so sickening to _y/n_ that she crumpled in on herself and almost vomited. She couldn’t hide how much hearing Hotch in pain was hurting her. When the cell had been caught, the other half of the team moved to Aaron’s location. _y/n_ had shot and then subdued three men before she, Rossi, and Spencer found Hotch black and blue and tied to a chair. He was barely conscious with his mouth gagged. The wad of cloth in his mouth was soaked with sweat and blood that had dripped down the side of Aaron’s face from a large gash on his eyebrow. _y/n_ helped free his mouth while Spencer cut off the zip ties around his battered arms and legs. Rossi was on the phone with the paramedics who were already en route. Once Aaron’s limbs had been freed, he slumped heavily into _y/n_, who supported his weight. She and Spencer helped him to the ground, and he groaned in pain at being shifted. _y/n_ quickly took off her outer jacket and covered his waist. His kidnappers had stripped him of everything but his briefs, and _y/n_ was certain he didn’t want to be so exposed. The paramedics came shortly after and took Aaron to the nearest hospital._y/n_ was grateful that she didn’t have much time to see or think about all the cuts and burns littering Hotch’s prone form. Seeing him like this felt so wrong that it twisted her insides.

Later, when the doctor had methodically detailed Aaron’s injuries, _y/n_ burned with a fit of anger even _y/n_ didn’t know that she possessed. When he was cleared for it, the team had all gone and saw Aaron in his room. He was surrounded and attached to multiple medical devices keeping him medicated and stable. Even though everyone appreciated Aaron and what he had gone through, no one particularly wanted to stay with him long after wishing him a good night’s rest. No one except _y/n._. Aaron knew it was his fault. He hated hospitals. He would gripe and groan and generally be in a foul mood until he was released as quickly as possible, so he was surprised in his pain-induced state to see _y/n_ pull up a chair close to his bed and just plant herself there. Aaron shifted on the bed to look at her better. That was a bad idea as a sharp pain moved up his side. Hotch muttered, “Fuck” under his breath. He moved his left hand which was attached to an IV toward his stomach to apply some pressure where the pain was radiating from. _y/n_ watched as Aaron moved around. He was straining the line of his IV, and _y/n_ jumped up softly saying, “Hey, hey. Take it easy there Hotch. Just stay calm if you can.” Aaron grunted, but acquiesced as _y/n_ took his left arm and rested it back by his side. She looked at him, concern etched on her face as she asked, “Where does it hurt, Hotch?” Aaron swallowed and almost said everywhere. But his stomach was especially tender and he said, “My, my stomach, but you don’t have to do anything _y/n_. You don’t need to stay here. I’m a pain in the ass when I’m like this.” _y/n_ nodded in understanding as she gently applied a bit of pressure to where he had been trying to reach earlier. He closed his eyes as _y/n_ gently rubbed circles over the inflamed flesh of his torso. Any words about protocol or regulations left him as soon as _y/n_’s hands met his clothed skin. He let out a breath and _y/n_ asked, “Is this okay? I can get a nurse for you?” Aaron shook his head no. He was sick of being poked at. Having three IVs was already putting him on edge. The possibility of more medical equipment was too much to bear. And whatever _y/n_ was doing was soothing him. Hotch softly said, “No nurse. Please. This is good.” Even saying those words seemed to exhaust him. _y/n_ just nodded and kept gently running her hand over his stomach. She didn’t want to think about how this was probably breaking ten rules, or how Aaron’s body looked under the flimsy hospital gown. She just kept moving her hands and watched as Hotch seemed to still and then finally sleep. When his breathing had evened out, _y/n_ pulled the covers over him again and took her seat once more. She didn’t care if he was in a mood or snapped at her. _y/n_ just didn’t think he should be alone right now. So she was going to sit with him until either he told her to leave or someone in the hospital kicked her out. It was at that moment that all of her disparate feelings for him coalesced into one of love. Not a fling or a passing fancy, but the kind of love that lasts through illness and grief and every other part of life. _y/n_ sighed and thought, “What a time to have a revelation like this,” as she kept watch over her boss, unable to leave his side.

Aaron had shown interest in her too. _y/n_ felt a bit better that she wasn’t the only one falling in love. He was more subtle about it, or at least he was trying to be. But that hadn’t stopped her from noticing how he looked at her, how his gaze lingered just a second too long in meetings. He’d pull his eyes away quickly as if he’d been caught doing something improper. Then there was the time he’d called her when she was sick and how he’d seemed a little too excited to have her back after a short four days of illness. And he looked out for her on cases. Not that Aaron didn’t look out for everyone, but he seemed to take her comfort more seriously than he needed to. He held the door for her and let her sit in the passenger seat so they could throw ideas back and forth. At first _y/n_ had thought it was just because she was the newest member of the team. But the behavior from Hotch continued, and just one time on a case, he’d pulled her out of a line of fire and rolled on top of her even though he probably didn’t need to go that far. As Aaron let out a breath of excitement over the case and the woman below him, _y/n_ caught the tells of desire on his face. It didn’t help that they were in what could be an intimate position. His pupils were wide and his breath came in little gasps. _y/n_ didn’t need to see his groin to know that he was excited down there too. After a second, Hotch quickly got up and helped _y/n_ stand too. Aaron nervously straightened his shirt and tie and after quickly asking _y/n_ if she was okay, and her response of “yes,” he moved away from her to gather some semblance of composure. The fact that Aaron was flushed and couldn’t look at her for the rest of the day told _y/n_ all she needed to know about Hotch’s thoughts about her. Or at least the uncontrollable whims of his strong body. _y/n_ didn’t let herself get carried away. Aaron was still her boss, and she was his agent. And because of this neither had said anything or acted like they were falling in love with the other because it didn’t feel like it could happen. Not to them. But now as _y/n_ sat by his hospital bed, she wondered what it would be like with Aaron. To peek behind his well-kept facade and just be close to him. _y/n_ assumed this was the nearest she’d ever come to that, so she settled in for a long night and decided if this was all she was getting, then she would accept it. Fate had never been so kind to give her something as lovely as Aaron, Hotchner, and she accepted it.

It was a long night. Hotch woke almost every hour in pain or needing to adjust for his comfort. _y/n_ moved his pillows and blankets for him, helped him drink a glass of water, and called a nurse when he needed to relieve himself. The next morning she was tired, but when Aaron woke, he seemed much improved. He softly said, “_y/n_, thanks for last night. For being here. You made being here, comfortable for me.” _y/n_ took his hand softly and rubbed over his knuckles with her thumb. Gently she said, “It was nothing, Aaron. I’m just glad you’re okay.” _y/n_ was so tired that she was about to speak transparently and say, “I’d do this all the time if you needed me to. I don’t mind staying up all night with you whether you’re sick or not.” That was the closest thing to a confession that _y/n_ could think of. But she had been interrupted when a nurse knocked on the door and said, “Mr. Hotchner, your son, and Ms. Brooks are here to see you. Should I let them in?” Hearing this, _y/n_ dropped his hand and her head a tiny bit. She stood and said, “I’ll give ya’ll some space, Hotch.” Aaron nodded yes to the nurse, and watched as _y/n_ left the room. He felt like he’d just missed something big, but didn’t know what. _y/n_ passed Haley and Jack in the hall. _y/n_ gave the pair a small smile and nod, and she made her way to the hospital lounge to get some much-needed coffee. The Hotchner-Brooks divorce was still very new, and _y/n_ wondered where things had fallen apart between the two of them. She also wondered if there was any chance at all for her and Aaro. It didn’t feel like it at the moment.

_y/n_ snapped back to the present when Aaron said her name more loudly. He was holding out his suit jacket for her and saying, “You look a little cold.” Hotch was right, she was cold. _y/n_ had wished she’d brought her coat up to the roof almost as soon as she had stepped outside. However, she was too lazy to want to go back in. She’d escaped Freddy’s boring conversation and looked at Aaron right before she moved to the roof for some fresh air. _y/n_ was pondering if she should just give up her dreams about Hotch. Neither of them seemed to be making any moves out of fear that they might say no to the other or that they might ruin the strong friendship they had now. _y/n_ was getting tired of it though. But then there was Aaron as always being a gentleman and looking out for her. _y/n_ nodded and Aaron slipped behind her, placing the jacket over her shoulders. His hands brushed over her exposed skin, and _y/n_ felt that familiar spark burn through her anytime she felt Aaron’s hands on her. Those times were few and far between. She looked over at Aaron and decided that tonight she was going to give him a line and see if he took it. If she didn’t seem interested, she’d let her infatuation go and move on. She could be happy not loving Aaron. At least she hoped she could. Hotch moved to her side next to the railing and he asked, “Was Fred trying to ask you out again?” _y/n_ flushed because it was so rare for him to ask her about her personal life. She remembered the first time it had happened she’d nearly dropped her _y/f/c/b_. That first time had been Freddy-related too. That time they both seemed embarrassed to be talking about it. Now _y/n_ was much more comfortable being open with Aaron. She looked at him and replied, “No. Not this time thankfully. I think the third time actually did it. No today he was just asking about the cases the team has been on recently, and then, inexplicably, he started talking about his pet lizard.” Hearing this, Aaron couldn’t help but cringe. _y/n_ chuckled and said, “You know he’s not a bad guy, just not the guy for me. But bless him, he needs to learn to read a room.” Aaron hummed and said, “Well I’m glad he’s ended his crusade.” _y/n_ laughed at his commentary and replied, “You know he’s right about one thing. I still don’t know this city at all. The cases keep me tired enough to not want to explore on my days off. What do you say we skip the party and you show me something worth seeing?” And here was _y/n_’s line. All Aaron had to do was give it a tug. Hotch looked at her with some surprise, like he had when he was half-dazed in the hospital bed. He cleared his throat and said, “Are you sure it’s me you want? Garcia, or even JJ could show you a better time. I’m sure they wouldn’t mind…” _y/n_ could sense that he was deflecting, and said, “No. I want you. You’ve lived here longer and you’ve gotta know the places that aren’t tourist traps. Plus, Garcia is flirting up a storm with that tech down there and JJ only has eyes for Will. I wouldn’t dare break up either of those conversations right now.” After a pause, _y/n_ added, “Come on Hotch. You looked miserable in there. You’re honestly telling me that you want to go back?”

Aaron let out a warm laugh and said, “Alright, I wasn’t particularly enjoying myself. Too much small talk makes me feel like a dog that’s been bred for show. And I never understood why they held this thing after Christmas and between New Year's. That time feels sacred in some unspeakable way.” _y/n_ was grinning and said, “Totally. I know the director said there was some sort of conflict, but that just read like bad code for, ‘Let me take my ski vacation with my family first.’ And don’t mention the playlist in there. Nobody was enjoying that, I swear to god.” Hotch had to stifle a harsh laugh to not sound unbecoming. That was another thing about _y/n_, they synced with each other’s humor. Sometimes he had to look away from her in meetings to avoid bursting out laughing. The fact was a joy and a pain in equal measure. Aaron looked over to her again, and he realized that she was still waiting for an answer. He took a breath to steel himself. Aaron left like it was now or never, and he didn’t want to let _y/n_ go. Not after all they’d been through this year. He did, however, need a moment to think about where exactly to take _y/n_. He hadn’t exactly been on the town himself since the divorce. Hotch slowly said, “I’d be happy to show you around, _y/n_, but would you give me a minute to think about where exactly to take you? I’m, um, particular about places.” _y/n_ nodded and relaxed into the railing. Aaron looked her over again. She looked ravishing in that dress, and it didn’t hurt that she had his jacket on too. He rested his hands on the cool metal and looked out onto the highway. Gently he asked, “What do you think about when you come up here? I used to spend a good deal of time up here too. When I was new to the BAU at least.” _y/n_ looked over him. Pondering the question. Trying to picture him as a green agent under Gideon. Trying to imagine him in his early thirties instead of his late forties. That all felt like a different time. She hadn’t been there then. _y/n_ moved her gaze to the highway and said, “Well most of my time up here is spent far less productively than yours was. I’m sure. In fact, three of the seven times on this roof have been an escape from Freddy. The other four times, I’m sure I was just annoyed, at myself or someone else. It’s a good place to cool off. Shake the cares of the day away.”

Aaron rolled his eyes. Most of his time up here had been spent sitting against the wall and questioning his life choices, but he didn’t verbalize that thought. He didn’t need to as _y/n_ continued, “But sometimes I like to close my eyes and pretend I can see D.C. from the rooftop. The capital or Washinton Mall. I know it’s silly, and I’ve explored that city even less than this one, but that’s why we’re here, aren’t we? To keep people safe. To keep the dream alive for everyone who doesn’t have to see the dark underbelly of this country. It gives me comfort.” Hearing this, Hotch stepped forward and placed a hand on _y/n_’s shoulder. He wasn’t sure why. He replied, “I don’t think that’s silly at all, _y/n_.” Something _y/l/n_ had said had sparked an idea in Hotch. There was a place on the border between D.C. and Virginia that he’d liked a long time ago. Politicians from either side of the aisle would meet there to make deals and broker favors. As a younger man, he had thought it was cool. Aaron looked at _y/n_ and said, “How do you feel about jazz?” _y/n_ nodded yes and said, “I don’t mind it. Improvisation is good for the soul. Gets you out there. Is there dancing?” Aaron tried to remember the intimate club and eventually nodded yes, saying, “I think so. But I wouldn’t trust me with that. I’ve got two left feet.” _y/n_’s laughter cut through the cold night and she said, “It’s alright. Me too most of the time.” Aaron shifted his hand to her lower back as he asked, “This place is too far to walk. Did you drive here?” _y/n_ replied, “No. Em took me. I was planning on taking an Uber back when I was done with my private roof party.” Aaron noticed her eyes slowly blowing out and her breath coming in faster in her chest. Aaron nodded and said, “Okay. Well, we’ll take my car if you're comfortable with it. I can drop you off at your place after?” _y/n_ agreed and said, “Sounds like a plan.”

The pair made a quick stop by Aaron’s office and _y/n_’s desk to grab their things before heading out. Neither made any formal goodbye at the party. Hotch felt oddly free as he stepped out of the field office with _y/n_ by his side. On the drive to the jazz club, he pointed out different areas of the town to _y/n_. He knew he sounded like a dad, but _y/n_ seemed interested in learning more about the area and asked follow-up questions as they cruised down the dark streets. There was no parking in front of the club, so Aaron found some down the road. The club was unassumingly nestled into the facade of a street full of high-end stores. Now it was _y/n_’s turn to point out interesting trends in the window and designers she despised. Aaron got a small tirade about _y/l/f/d_ when they passed that storefront. _y/n_ was sure Hotch had lost interest at that point, but when she looked at him, he seemed engrossed. He looked over at her and said, “Well, I’d have never known that unless you’d told me. Now I’ll have something smart to say when there’s more small talk to be made at parties.” _y/n_ smiled at Aaron. She knew she had her eccentricities, but he took them with such grace and she wondered what she’d done to earn even an hour of this man's time. _y/n_ spared him any other commentary. When they stepped into the small, dark space of the club, Aaron told the matre de that it was just two, and the man led the two toward the back of the space. The head waiter graciously motioned to a small couch near the live band playing soft jazz in the back corner of the room. Aaron let _y/n_ take a seat first, and he followed after her. Shortly after being seated a waiter came and took their orders. Aaron got an old-fashioned, and _y/n_ ordered _y/f/d_. As they waited for their drinks to arrive, _y/n_ asked Aaron, “So, how did you find this place?” Hotch did his best to summarize his first year in the BAU. How unsure he was about the shift in jobs. How Haley had been the one to get him out of the house and office. As Aaron recounted his story, _y/n_ didn’t pull away or, cringe at the mention of the former Mrs. Hotcher. _y/n_ realized as much as anyone how important Haley was to Aaron. He’d loved her for a long time before things had fallen apart. And she’d loved him too. _y/n_ was far less insecure about this fact now. She was ashamed about how she’d felt about Haley at the hospital that one time. Not only was Haley important, but _y/n_ realized that Jack was the zenith of Aaron’s life. And she respected that. Fatherhood seemed far from easy, and add being head of the BAU on top of that? Hell, Aaron made it look easy. So she listened to him open up in a way that he never had in front of her before, and _y/n_ got her small peak behind his work facade. She realized that he was just a man doing his best. Trying to juggle all of the plates at his feet, and somehow that was the most attractive thing possible about Aaron Hotchner that she hadn’t ever noticed before that instant.

Hotch looked at _y/n_ after his long-winded story and expected to see boredom there. Or disappointment at how often he’d brought up Haley or Jack. But he didn’t find it. Only a look of admiration that he couldn’t quite place. And suddenly Hotch wanted to say everything that he’d bottled up over the year and wanted to lean down and kiss _y/n_ on the lips like he had in his dreams. And _y/n_ watched as Aaron shifted in his demeanor. How his eyes were wide again and he seemed to be building to something new. Something yet said or explored between them. The sudden and insistent beeping of Hotch’s phone cut off that moment in an instant. Aaron pulled back from _y/n_ a bit and murmured, “Sorry,” as he accepted the call. After a second, Hotch’s mood changed again, as he replied to the other end of the line. “Is he alright? What’s the matter?” _y/n_ pulled back a bit more, realizing this was a private conversation and she was a bit too close to Aaron for it to be happening like one. His frown and worry lines increased, as he listened to the dialog she couldn’t hear. After a minute he replied, “Yes, I’ll head over right away. You said the doctor was on his way too?... Yeah, yeah. I’ll just be twenty minutes or so… Okay. Tell Jack I’m on my way… Yeah. Bye.” Aaron dropped his hand with this cell in it and looked at _y/n_ with sad eyes. She looked back and him and said, “Is it Jack?” Aaron nodded and replied, “Haley said he has a bad fever, and it’s getting worse. She called a doctor and she thinks I should come over. _y/n_, I’m sorry.” _y/n_ gave him a pat on the arm and said, “Go be with your son, Aaron. There are more important things than me in the world. At least in your world.” Hotch nodded with the same sad eyes. He realized how much of a sacrifice _y/n_ was making for him, how life in the BAU was a whole big load of sacrifice. Aaron stood, and just to show a fraction of how grateful he was for _y/n_’s presence in his life, he leaned down and kissed her forehead. It was chaste, and he pulled away before he could get ahead of himself.

Aaron was gone before _y/n_ could even fully register what had happened. The bell at the door told of Hotch’s departure, and _y/n_ could have screamed out of desire or despair at how the night had come to a quick conclusion. But she didn’t. _y/n_ knew how important Jack was to Hotch. Everything else but his son was at the periphery of Aaron’s life, and Jack was at the center. As _y/n_ settled back into the loveseat, now alone, she contemplated how yet again any plans or revelations of their feelings had been dashed. But _y/n wasn’t mad about it. _y/n_ had to remind herself that for the half hour, they had been together that night, Aaron had allowed her to see more of himself. And he was, as _y/n_ expected, as good a man as they came. _y/n_ thought, “How often does a girl really get to see a good man?” It was a pleasure, even if it was for just an evening.

The final few days of December passed in a wave of the hand. _y/n_ had asked Aaron if Jack was alright the morning after their night on the town, and he’d said that the fever had broken in the night and that his son was on the mend. Aaron had asked _y/n_ in the same text exchange if she’d gotten home okay after his sudden departure. She had told him that she’d called a Lyft soon after he’d left to get home. And then, before _y/n_ knew it, she was packing her bags for a long weekend at one of Derek’s properties on a lake outside the city limits. She was carpooling with Emily and Garcia. _y/n_ had heard that Morgan’s New Year’s Eve parties were times to remember and she was finally going to experience one for herself. _y/n_ was already excited to be spending time with her friends, but when Emily said, “You know Aaron’s coming too? He apparently called Morgan last minute and asked if there was still an empty bed, _y/n_’s jaw dropped. _y/n_ quickly composed herself and said, “Well the more the merrier.” Em rolled her eyes and said, “The more the merrier my ass, _y/n_. You know he’s just going there for you. When are you going to catch on that he’s in love with you?” Penelope agreed from the backstreet and said, “Honestly. _y/n_. He’s been making googly eyes at you all year. And what was that with him taking you out after the Holiday Party? Do you see Hotchy doing that with anyone else?” _y/n_ sighed exasperated with her friend's encouragement. She half-heartedly said, “Well, he could have been.” this had Garcia and Prentiss cackling and Penelope said, “This is the time, _y/n_. I swear. If it’s not, I’ll pull Hotch aside myself and give him a piece of my mind.” Despite _y/n_’s friends banter, _y/n_ felt reluctant. None of the other times seemed to work out, and she didn’t see how this was going to be any different.

As Morgan’s lake house came into view, _y/n_ tried to let everything go. Whatever happened would happen, and she planned on having fun no matter how the next day and a half went. The trio of women were the second to last to arrive. Spencer joined them a half-hour later. Derek quickly showed everyone to their rooms. It felt like an adult sleepover and an energy charged the air. For the first hour or so the team just relaxed and unpacked. Derek, Rossi, Spencer, and Aaron sat on the leather couches and talked about the year. Their highs and lows. They also debated which case was the most interesting from the year. As the men talked, Emily, _y/n_, JJ, and Garcia all tried on the dresses they had brought for the end of the night. As they were helping with the zippers and hemlines, _y/n_ said, “I’m sorry Will couldn’t come tonight, J.” JJ smiled and said, “Yeah. But I think it’s fine. We’ll be married soon enough and we’ll have the rest of our lives to be together. Tonight feels like the gang is back together in a nostalgic sort of way. You know what I mean?” The other nodded alone and Emily said, “I feel ‘ya JJ. What a year it’s been. But we’re all happy for you know. I think you got the last good guy on the market with Will.” JJ grinned and helped _y/n_ slip into her ‘dress.” The media liaison seemed to glow with a pre-marriage, I’ve-found-the-love-of-my-life aura even four months before her wedding day. And suddenly all the women were dressed, and they all looked at each other and complimented each other. Emily was in a sleek purple pants suit. JJ was in a fitted black dress. Garcia, as always, was wearing a bright orange tulle skirt with a pink top, plus white fingerless gloves. The tech noted, “And I’ve got about ten million little things to put in my hair too!” Lastly, _y/n_ was wearing something far slinkier than her friends. It essentially amounted to a lot of large, shimmery _y/f/v_ sequins held together with tiny metal rings. _y/n_ hadn’t worn it since before turning twenty and she couldn’t remember why she’d bought it. “Maybe for a rave?” She thought. Because the garment was so sheer, she was wearing sensible black underwear and a matching bra underneath, but _y/n_ flushed at the one time she’d gone clubbing without the undergarments beneath. That had been a fun evening.

The compliments made the rounds, and Garcia told _y/n_, “You look drop-dead good in that, _y/n_. The boys won’t know what hit them.” At the mention of “the boys,” _y/n_ looked at the ground and said, “You know I would have picked a different outfit if I’d known Hotch was coming.” The others snickered, and _y/n_ laughed too, saying, “I’m being serious. I’m not trying to look like a slut in front of him. The brief said ‘Fun New Year's attire and this is the funniest, New Years-ist dress I’ve got.” Emily moved forward and gave _y/n_’s shoulder a pat saying, “You’ll be fine, _y/n_. You look glorious. Plus you’re the youngest one here. That means you can get away with wearing something more risque. I’m just shocked you can wear something from that long ago. I’m lucky if I could pull off something from two years ago and it look good, I can’t even think about five or ten.” Prentiss shuddered at the thought, and that got a good laugh out of all of them.

A knock at the closed door, had them all look away from each other. It was Derek saying that he, Aaron, and Rossi were going to take a walk along the path that went around the lake nearby. And if any of them wanted to join them? _y/n_and Em jumped at the chance. The pair quickly changed back into their casual clothes and headed out with the guys. The walk was pleasant and they all just took in the fresh air and saw the trees surrounding the water. Aaron was walking a few steps behind _y/n_ and he contemplated his feelings about her once more. Even he was getting annoyed with himself. He blamed it on being indecisive in the worst possible area of his life, partnership. But he’d decided today was going to be the day. He was going to bite the bullet and ask _y/n_ how he felt about her. Even though he couldn’t picture the words leaving his mouth, he swore to himself that it was going to happen. The walk concluded, and then everyone got some drinks which Aaron happily and skillfully mixed. Then Derek and Rossi made dinner and everyone ate outside around the fire. And by that time it was already ten and the first fireworks were dotting the sky. Aaron and _y/n_ were sitting next to each other. Close enough that he could move his arm just an inch and he would be touching hers. Hotch’s eyes stayed on the sky as he asked, “Do you have any plans for the New Year?” It was too cliched to ask about resolutions, but he did wonder what someone like _y/n_ thought about the future. _y/n_ turned her gaze to him, and replied, “I don’t know. I want my apartment to feel more homey. It’s still giving college vibes if I’m being honest. I’d like to buy some better furniture, like the opposite of the stuff from IKEA. And then there’s helping JJ with the wedding, and then just going out more. Seeing the city like we did after the party.” _y/n_ felt like saying, “I’d like doing that with you,” and also, “Does this make me sound boring?” But _y/n_ couldn’t vocalize either of those thoughts as Gacia stepped out onto the patio and proclaimed, “It’s dress-up time, baby girl!” _y/n_ shook her head and chuckled. Aaron gave her a hand up and watched as she disappeared into the house. _y/n_’s list sounded just up his alley, and he wondered why he’d been putting off his feelings for so long. Why he couldn’t just man up and tell her he loved her? That he was mad about _y/n_. Aaron sighed and walked inside after _y/n_.

It was 11:15 when the girls were all dolled up with their outfits, heels, and makeup. Derek had the TV playing with the countdown to the ball drop on as ambient noise. The champagne was ready to be popped, and the new year was rung in with friends and laughter. Garcia and Derek were both oddly big about watching the ball drop. _y/n_ had interrogated Penelope about this on the way up to Morgan’s house. Garcia had just said, “It’s tradition, and you don’t mess with tradition.” Just as the group of women stepped into the light to be seen for the first time, the power went out. There was a moment of silence and then Derek said, “Really house. You do this to me now?’ That got everyone laughing, and Aaron asked, “Where’s the breaker Morgan? I’ll give it a look.” Derek told him and Hotch stood outside for a second. While Aaron was gone, Penelope and Morgan talked about what they would do about a countdown. Nobody wanted to just look at the clock. That, Morgan had said, “Wasn’t festive at all.” Aaron came back and said, “It’s not good news, the main fuse is fried.” That had Derek thinking and he announced, “Alright, change of plans. There’s a dive bar down the road. If we book it, we can make it there before midnight.” There was little complaint from the group as Morgan and Penelope hustled everyone into two cars and down the street. There was so much excitement that nobody got to see the women’s outfits until they were standing outside the bar. The space was a dive and it was packed with partiers. The walkway up wasn’t paved, so Aaron took _y/n_’s hand with his left, and even though he didn’t need to, he placed his right on her lower back. Again he felt that spark shoot through him. The cool sequins juxtaposed to _y/n_’s warm skin were doing things to him that he didn’t want to think about right now. Or maybe it was the dress that didn’t leave much to the imagination. Either of those was a good option. Inside, the team found a spot to stand and watch as the time ticked down from 11:55 to midnight. Derek joked and said, “Alright, who’s kissing who when it’s time?” Emily raised a hand and teasingly said, “I volunteer for you, Morgan.” The team laughed and then started counting down. Everyone except Hotch, who was standing a bit farther back. _y/n_ sighed, knowing he was never a big fan of crowds. She stepped close to him. Even as Aaron sought a moment of reprieve, both _y/n_ still had to stand almost body to body to avoid bumping into anyone. As “THREE, TWO, ONE” were unanimously chanted in the tight space, _y/n_ was going to try and pick up where their conversation had stopped earlier in the night. To see if Aaron had any plans going into the New Year. But she didn’t get the chance to as the call of “Happy New Year!” Hotch bent down and pressed his lips to hers.

Aaron had meant for it to be a little peck. Just something to ring in the new year with. But _y/n_ only stood in shock for a moment before she realized what was happening, and she’d waited so god damn long for this very moment that she quickly leaned into it, pressing her body to Aaron’s as her arms wrapped around him. Aaron reciprocated in kind and placed one of his hands on her hip and the other on the crown of _y/n_’s head. Holding them together like he might fall apart if he let her go. Aaron's lips were slightly chapped and his cologne, which _y/n_ knew well, crept over her like a sunray. As soon, as they’d started, they didn’t want to stop. Then it dawned on both of them, like they hadn’t been yearning for the other for over a year, that they didn’t have to stop. So they didn’t. Not until they had to pull away panting for air. And once they’d gotten breath back in them, they came together again. This time it was more cautious. More subdued as Aaron began to memorize the shape of _y/n_’s soft mouth pressed against his own, _y/n_ made a small contented sound that only he could hear and smiled as she placed her hands on his chest. _y/n_ his body in a way that indicated an intimacy that had always been there between them. The rest of the team watched them with Garcia saying, “About time. My god, I thought I was going to have to lock them in a closet together later tonight.” Rossi joked and said, “Well, there’s still time to do that later,” as he came back with a handful of champagne flutes. Dave handed one to each member of the team and then walked a pace over to _y/n_ and Aaron. Hotch was looking into _y/n_’s eyes but stopped when he noticed his friend. Rossi smiled and said, “Alright you kids. How about you take a moment and join us for a toast?” _y/n_ flushed, but nodded taking a glass from Rossi. Aaron chuckled and got a glass himself. He never let his hand lose contact with _y/n_’s side as all three walked back to the table. Rossi gave Aaron a strong pat on the shoulder as they moved to the group and winked at _y/n_, which only made her flush further. Hotch didn’t even care as the whole team's little “oohs and ahhs” sounded at their return. Aaron realized that scrutiny or affection didn’t feel so bad with _y/n_’s hand in his. He realized with full clarity that she’d been there all along, and he’d just not moved his hand to meet hers. He’d tell her he was sorry for that later. For stringing her on so long. He’d tell her he loved her more times than he could count too. But for now, as everyone lifted their glasses saying “Happy New Year!” The future never looked brighter.

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