As you wind down from Q4 and look ahead to better days in 2022, I hope you find some time to recharge with family and friends. (Image: Adobe Stock)

And just like that, another year has come and gone. Although in many ways, 2021 felt like a huge step forward, it still offered plenty of challenges and struggles. This time of year offers a time for reflection, as well as an opportunity to anticipate the future, and this month's issue includes both.

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Paul Wilson

Paul Wilson is the editor-in-chief of BenefitsPRO Magazine and BenefitsPRO.com. He has covered the insurance industry for more than a decade, including stints at Retirement Advisor Magazine and ProducersWeb.