Holiday Greetings from J. Davies & Associates Where has the time gone?  It's been a very busy year so, during this holiday season, I want to take a moment to re-connect with friends and colleagues. Wishing you every happiness  for the Holidays and a peaceful, healthy New Year.  Look for our Reach Higher newsletter to resume in January All the best to you and your family,   Juanita Davies J. Davies & Associates www.jdaviesandassociates.com