With all the speculation around what this year will bring, including the effects of inflation and an ongoing pandemic, whether markets will continue to soar….

As 2022 begins to unfold, the possibilities of what could happen this year are wide open – even if the world isn’t yet.

We’re all too familiar with making New Year’s resolutions – many of which fall by the wayside even before the end of January.

This may be the perfect way to sum up 2021. The year definitely had its moments – glimmers of rising hope and also hope dashed at times.

There’s nothing like the image of snow falling serenely in a forest of evergreens to bring about peace and stillness during the holidays.

We’ve been through a lot in 2021 – more quarantining, hybrid work environments, ups and downs in the economy, and political uncertainty.