The Three of Wands card represents a good basis for the changes that are to come. The card indicates that Joan's life will be characterized by significant changes in terms of opportunities, relationships and perspectives. These changes will bring new energy and encourage personal and professional growth. The card also suggests that Joan will need to be flexible, ready to face the challenges that will come her way. When considering the "Yes" aspect, the Three of Wands card suggests that Joanna will learn about significant changes in her life over the next year. There will be opportunities to seize and new people to meet, thus bringing new energy into her life.

The Nine of Pentacles card represents financial stability and economic security. The card also indicates that Joan may have some initial difficulties in the process of change, but eventually she will be able to achieve the desired stability. The card also suggests that you will have to work hard to achieve your goals, but once they are achieved, you will be able to enjoy the benefits of a more stable and secure future. When considering the "No" aspect, the Nine of Pentacles indicates that Jeanne may face difficulties initially in the process of change, but she will eventually overcome them. There will also be times of uncertainty when you will be required to make greater efforts to achieve your goals, but once these are achieved, they will offer you financial stability and security.

In conclusion, considering the two cards in the Obverse and the Yes/No aspects, it can be said with certainty that there will be significant changes in Joan's life in the coming year. There will be opportunities to be seized and a greater commitment required to overcome the initial difficulties, but in the end Giovanna will enjoy the economic stability and well-being offered by a more solid future. So the answer to the question is: YES.