Happy New Year everyone!  We’re officially in 2021 and looking forward to all the possibilities a new year brings.  So, each year we set aside a weekend to focus on our annual planning and if you’ve been following us since the beginning then you may have already listened to an earlier episode dedicated to this topic but this year we are making some necessary changes and thought it might be helpful to some of you who also experienced some unexpected life altering changes in 2020.