As the summer of 2021 started, things were looking up. People were feeling safer, they were getting out more, and for a while, at least, we were feeling optimistic. And then came the delta variant. In her latest article for Advisor Perspectives,

"Tiny changes, remarkable results." This is the tagline for James Clear's New York Times Bestselling book, Atomic Habits. If you've ever dreamed about making big changes in your life, but struggled with where exactly to start, (and let's face it,