A member of the American Association of Professional Technical Analysts, Kristin Hetzer has served as a principal for Royal Palms Capital, LLC, since 2005. Outside of her professional responsibilities, Kristin Hetzer enjoys outdoor activities such as hiking and gardening. Gardeners must consider their hardiness zone, a designation based on a region’s lowest average temperature when selecting plants and crops. Many annuals are sensitive to colder weather and must be protected from frost. Cooler air temperatures can also wick moisture from plants and damage their leaves.

1. Kristin Hetzer

2. Introduction
A member of the American Association of Professional Technical Analysts,
Kristin Hetzer has served as a principal for Royal Palms Capital, LLC, since 2005.
Outside of her professional responsibilities, Kristin Hetzer enjoys outdoor
activities such as hiking and gardening.

3. Gardeners must consider their hardiness zone, a designation based on a region’s
lowest average temperature when selecting plants and crops. Many annuals are
sensitive to colder weather and must be protected from frost. Cooler air
temperatures can also wick moisture from plants and damage their leaves.

4. Gardeners can use ready-made plant coverings or pieces of burlap to protect their
less hardy plants from temperature dips or high winds. Some potted plants may
need to be placed indoors. A layer of mulch will insulate garden beds against the
cold. Since sunlight hours are considerably reduced during the winter, most soils
will retain moisture longer. Gardeners should water less frequently to avoid issues
such as root rot or stunting.