We live in Georgia. This young shade tree is about 3 years old. Last year I noticed that by July of last year I had lost most of my leaves (they turned all the way brown and fell off). This spring I’ve provided better drainage, and added mulch. It is only May and already had 4 leaves turn brown and fall off the tree. I’m afraid I’m headed in the same path as last year. I did notice a severe problem with what I think it is leaf spot. I attached a picture. Is this why my leaves are falling off? Something else? Overwater?underwater? (I don’t water at the foliage by the way) I have sprayed Neem oil. How often should I treat it w this? How else do I treat it? I’ve read I cannot kill leaf spot... thank you for any suggestions.
[![enter image description here][1]][1]