As we closed out 2020, the overwhelming sentiment entering January was that it couldn’t get much worse.

Over the past 12 months, we have endured a global pandemic resulting in numerous deaths and hospitalizations, mass layoffs, a sinking economy, and a contentious presidential election.

July kicked off the third quarter with a bang as stocks surged throughout much of the month.

The world’s economies and stock markets have been rocked by the spread of COVID-19.