The Tiemann Investment Advisor team sends holiday greetings and wishes you and your loved ones a healthy, happy and fulfilling 2022. We hope you get plenty of opportunities to spend time safely with your loved ones this holiday season as well as in the months to come. Our hearts go out to those who, as we have, suffered losses as a result of the Covid virus or from other sources, and we send our condolensces. We hope that 2022 will bring an end to this pandemic and allow us to resume life and gatherings with friends and family, under more normal conditions. We wish you a wonderful 2022!