2020 has been nothing short of incredulous. Safety and health have been at the forefront of all our minds and hearts; financial health as well. This holiday season will have been a very special time for us all closing out this most difficult year. Our hope is these difficult challenges may have brought about innovative ideas that will prosper you to new levels. We are doing our part to keep abreast of the tax changes for 2020, knowing again that many may come down to the wire at year end. Those changes will be affecting businesses as well as the individual stimulus payment reconciliation for individuals.