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BUILDING SMARTER PLANS AND LIFELONG PARTNERSHIPS
4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
4711 US Highway 17 Suite C-5 Fleming Island, FL 32003
904-232-8760
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July 2025
A SUMMER OF CONNECTION
CELEBRATING FAMILY/FRIENDS AND STAYING ENGAGED WITH WRN
Summertime is the perfect season to pack a bag, hit the road, and reconnect with the people who matter most: family and friends. Whether visiting grandkids in another state, reminiscing with siblings over childhood memories, or catching up with longtime friends who have been part of your journey for decades, these moments make retirement a time of fulfillment and joy. Traveling isn’t only about the destination; it’s about the stories we exchange, the laughter we share, and the bonds we strengthen. But let’s be honest: While spontaneous adventures sound exciting, the best vacations happen when a little planning is involved, especially
We made a mistake! In last month’s Pg. 2 article highlighting Gifts in Golf (GIG), we misprinted Phil’s wife’s name — it should have read Suely. We sincerely apologize for this error!
financially. Setting aside funds for these special trips ensures they remain stress free and truly enjoyable. Whether it’s a cross-country road trip, a simple weekend getaway, or meeting lifelong friends for a nostalgic reunion, thoughtful budgeting allows you to focus on the experience rather than the expense. Staying connected goes beyond seeing loved ones in person — it’s also about staying engaged with the WRN community. Our monthly webinars serve as a space to learn, connect, and confidently navigate retirement, ensuring that wherever summer takes you, WRN is never far, thanks to modern technology, smartphones, and the internet. So, whether your plans include beachside sunsets, backyard barbecues, heartfelt get-togethers, or catching up through a WRN online session, let’s embrace the season of connection, both near and far. Retirement is best lived when shared, and with a bit of foresight, you can revisit and cherish those meaningful moments year after year.
-Adam Wolf CPA, CFP ®
Investment Advisory Services offered through Coyle Capital, LLC, a Registered Investment Advisor. Wolf Retirement Navigation LLC and Coyle Capital, LLC are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be
used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Wolf Retirement Navigation LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection of benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way, to securities or investment advisory products or services. Fixed insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company and not offered by Coyle Capital, LLC.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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BRIDGING THE MILES STAYING CLOSE TO FARAWAY GRANDKIDS
Many parents look forward to spending their preretirement and golden years with grandchildren, cuddling on the couch, mixing cookie dough, or planting seeds in a garden. Yet that comfy dream eludes half of today’s grandparents because their grandchildren live more than 200 miles away. According to a 2023 AARP survey, distance is currently the biggest obstacle to grandparents spending as much time as they want with grandchildren. A growing number of grandparents are closing that gap by using
Many games and conversations you would have when you are physically together can also work virtually, such as delivering a joke, riddle, magic trick, song, or poem. Take turns making up stories or holding two-way conversations with hand puppets. Kids also love scavenger hunts, guessing games, or playing I Spy. Mind Their Moods When you call, your grandchildren may feel tired, excited, silly, or sad. Don’t take it personally if your grandchild checks in briefly, then breezes away to do something else. Children live in the moment.
FaceTime, Google Hangouts, or other video-chat apps for virtual get-togethers with grandkids. The rewards of mastering those apps are worth the effort. Here are two strategies for making the most of virtual family visits. Let Kids Lead Children often revel in a grandparent’s undivided attention and delight in hosting a room tour or a show-and-tell session with their latest project or toy. A grandchild might enjoy showing you how they play with a train set or blocks. Others might like modeling their latest superhero costume or showing you how they make slime.
Some days, they may be eager to engage in a lively conversation, while on others, they want to roam free. They may also want to “hang out” with you without talking. Many grandparents
learn to just “be in the room” as a presence on the screen. Some grandparents keep the same toys, puzzles, or craft materials on hand that their grandchildren enjoy. Then, you can either invite your grandchild to teach you how to use the items or just play alongside them.
KEEPING YOUR RETIREMENT PLAN RESILIENT From Curveballs to Confidence
Retirement planning isn’t a one-and-done task; it’s an evolving process that should adjust with life’s many changes. While it’s tempting to set a retirement goal and stick to it, flexibility is just as important as preparation. Retirement plans are not static. They can change due to various factors such as economic conditions, personal circumstances, and legislative shifts. Understanding how these changes can impact your retirement and knowing how to respond is key to protecting your financial well-being throughout your golden years. One of the biggest influences on retirement plans is the economy. Market fluctuations, inflation, and interest rate changes can all affect the value of your investments. A downturn could mean your portfolio doesn’t grow as expected or even declines in value, while periods of inflation may increase your cost of living. That’s why it’s crucial to
reassess your investment strategy regularly. Diversifying your portfolio with a healthy mix of stocks, bonds, and other assets can help smooth out the bumps and provide a more stable foundation for long-term growth. Your personal circumstances can also shift unexpectedly. Maybe you or your spouse will retire earlier or later than planned. A health issue may arise, or a family member needs support. Life events like these may require tapping into savings sooner, revisiting your income needs, or adjusting your retirement timeline. Proactively reviewing your goals and financial situation helps you stay on course, even when life throws a curveball. Government policy changes, such as tax law revisions, Social Security updates, or new retirement account rules, can also impact your financial picture. Staying informed is critical, and working with a
trusted financial advisor like our team at WRN can help you understand how these changes apply to you and what moves to make in response. Here’s the bottom line: By staying flexible, informed, and willing to revise your plans as needed, you’ll be better prepared to enjoy a secure and fulfilling retirement, no matter what life brings your way.
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Take a BREAK!
What’s the Scoop? WRN Reveals Their Go-To Ice Cream Flavors and Shops Jacksonville, it’s hot out there! Nothing is sweeter than a cold treat on a hot summer day, and lucky for all of us, National Ice Cream Day on Sunday, July 20, 2025, gives us the perfect excuse to indulge! And here at WRN, we take our ice cream very seriously.
We asked the WRN team to share their favorite ice cream flavors and go-to spots, and let’s just say we’re now craving all of it!
Andrea Challenger, our Director of First Impressions, keeps it classic with vanilla and swears by Dairy Queen for a tasty treat.
CHEESY TOMATO-BASIL STUFFED CHICKEN Inspired by HalfBakedHarvest.com
Martha Marshall, our Tax Department Manager, is all about Sea Salt Caramel Candy from Whit’s Frozen Custard.
Eileen Ybanez, our Director of Client Services, also favors Whit’s Frozen Custard, but prefers to keep a pint of Publix Fudge Brownie at home.
INGREDIENTS • 4–6 boneless, skinless chicken breasts • 1/2 cup basil pesto • 1 cup shredded mozzarella cheese • 1/3 cup oil-packed sun-dried tomatoes, drained, oil reserved • 2 cups cherry tomatoes, divided
Caroline Langenbahn, our Client Services Specialist, goes for Chocolate Chip Cookie Dough from Kilwin’s, known for rich flavors and generous scoops.
Robin Klob, our Marketing and Events Coordinator, loves the Brown Butter Chocolate Chip at Mayday Ice Cream, which she confidently claims is the best in town.
• 2 cloves garlic, smashed • 2 tbsp balsamic vinegar • Chili flakes, to taste • 1/4 cup fresh basil, chopped • 1 tbsp fresh thyme leaves • Salt and pepper, to taste
And Adam Wolf, our President at WRN, sticks with a timeless favorite: chocolate, also from Whit’s Frozen Custard.
Some of us lean nostalgic while others are more adventurous, but we all agree: Ice cream is worth celebrating, and the best part is you never need an excuse to grab a scoop! So, if you’re looking for recommendations, our WRN team has plenty for you to consider and enjoy!
DIRECTIONS
1. Preheat oven to 425 F. 2. Slice chicken down the middle horizontally (not cutting all the way through). 3. Spread pesto inside filleted chicken, then stuff with cheese and tomatoes before closing chicken, covering filling. 4. Place chicken in a large oven-safe skillet. Drizzle with reserved oil. 5. Set the skillet over medium heat; cook 5 minutes. 6. Add 1 1/2 cups tomatoes, garlic, balsamic vinegar, and season with chili flakes. Cook 2–3 minutes, then remove from heat. 7. Bake in oven for 7–10 minutes until chicken is cooked through and tomatoes burst. 8. Toss remaining 1/2 cup tomatoes with basil, thyme, salt, and pepper. 9. Serve the chicken topped with fresh tomatoes.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Hit the Road, Reconnect, and Relive the Moments That Matter Most PAGE 1 Master the Art of Connecting With Grandkids From Afar PAGE 2 When Life Changes, So Should Your Retirement Plan PAGE 2 WRN’s Sweetest Recommendations for National Ice Cream Day PAGE 3 Cheesy Tomato-Basil Stuffed Chicken PAGE 3 The Parks You’ve Never Heard Of (But Need to Visit) PAGE 4
3 National Parks That Are Worth the Detour Ditch the Tourist Traps
Whenever you hear a friend or family member say they’re going to take a road trip to visit some of America’s most beautiful national parks, they usually plan to visit the Grand Canyon, Yellowstone, the Great Smoky Mountains, or Yosemite. These national parks consistently attract millions of visitors every year, but they’re far from the only must-see national parks in the country. There are 429 protected national sites within the U.S., and 63 of those have obtained the official “national park” designation in their names. (The other labels are battlefields, historic sites, monuments, recreation areas, etc.) If you want to experience the beauty of America without the crowds, consider visiting these
Ventura by car, but the islands are only accessible by park concessionaire boats or private boats. Make reservations in advance. Cuyahoga National Park, Ohio If you want a unique experience, visit Cuyahoga National Park. Like many other national parks, you can enjoy hiking, rock climbing, and photography while exploring the park’s 33,000 acres. You can admire many of the 1,000 species of plants and animals throughout your exploration, but if you want to get the full experience, hop aboard the Cuyahoga Valley Scenic Railroad. Wind Cave National Park, South Dakota Exploring a cave might not be your first thought when considering national parks, but Wind Cave is a one-of-a-kind experience. It’s one of the longest and most complex caves in the world and has many unique features, such as frostwork, cave popcorn, and boxwork, creating unique sights with every step. Once you head back outside, a beautiful mixed-grass prairie, home to bison, prairie dogs, and more, will greet you.
destinations during your next vacation! Channel Islands National Park, California
Often referred to as the Galapagos of North America, the Channel Islands are a unique area of the coast of Southern California. While visiting, you can expect to see seals, island foxes, and over 2,000 other plant and animal species, with 145 found nowhere else on Earth. You can reach the mainland visitor center in
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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