Thank you for responding. Sorry it took me so long to reply.

My tree has some new growth, but it is looking twiggy, and "balding" from the loss of leaves.
Some of its new shoots are also beginning to wither and become brown.

The leaves get brown at the tips, then fall off with the slightest touch.

I watered it last Thurday, and her soil is still wet, as is the bottom of her trunk.

I wish i could post a picture, but i do not have a camera.

I will correct my watering, as you suggested!
It has been cold and cloudy here lately--do you think it is losing leaves/withering from lack of light?
Thank you so much for your help

Frances