It’s that time of year when we all start looking backward at the months that have passed and share cliches such as “where has the time gone!?” We collectively slow to relish in the fond memories of the weeks now gone and bid farewell to the burdens the year brought. As our annual tradition at Joule has been we conclude the year with a brief pause from dissecting market movements or reviewing steps on the financial planning journey to simply share a bit about the past year in our Joule team.