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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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January 2026
CLEAR HORIZONS FOR RETIREMENT VISION 2026
As 2025 drew to a close, Thanksgiving and Christmas gave us time to reflect upon our blessings: family, friendships, and the foundations we’ve built together. Those moments of gratitude are now springboarding us into a new year with optimism. The word vision kept coming to my mind as I thought about what lies ahead. Vision is more than eyesight — it’s foresight, focus, and the ability to see possibilities before they fully take shape. Vision gives us the clarity to see, and horizons remind us how far we can go. That’s why I chose it as our theme for 2026. Retirement isn’t just about numbers on a page; it’s about clearly seeing the life we want to build and the legacy we want to leave. For me, 2026 is a year of purpose, of sharpening the lens on what lies before us in retirement: fellowship, wisdom, and joy. My vision is simple yet profound: gatherings where Food, Friends, and Finance come together in harmony. Our monthly sessions consist of discussions that illustrate relatable concepts and interactive moments where we don’t just talk about retirement -- we live it. Retirement, after all, isn’t a finish line. It’s a journey that expands when we share it with others. Most of our popular Food, Friends, and Finance events in 2026 will take place during the lunch hour at our Jacksonville office, when the day feels bright and the energy is high. These midday moments are designed for nourishing both body and mind, sharing a meal, sparking conversations, and exploring financial wisdom together. And as the evenings grow
lighter later in the year, I envision us getting together after the workday is done, extending fellowship while engaging in lively exchanges and practical strategies. Whether midday or early evening, retirement talk oftentimes becomes less about charts and numbers and more about shared, real‑time experiences that enrich both heart and mind. This year, I invite you to join me in shaping a vision of retirement that is vibrant, interactive, and deeply intertwined. Together, we’ll explore a variety of topics, occasionally feature guest speakers, and also foster friendships and connections that will last far beyond 2026. We value your feedback and welcome your input on areas of interest you would like to see us cover during these enjoyable gatherings. After all, what is important to you is important to us. That’s my vision, and I look forward to seeing it come alive at our monthly Food, Friends, and Finance get‑togethers.
When upcoming event dates are confirmed, you will be notified by the email we have on file for you! Kindly let us know if and when your email changes.
-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.
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EASE BACK INTO FITNESS WITHOUT THE STRESS
Get Back on Track and Feel Stronger Than Ever
Restarting your workout routine after a long break can feel like climbing a mountain, but you don’t need to scale Everest on day one. You should start small and start smart. Even one or two weekly workouts can reignite your energy and rebuild your confidence. The key isn’t intensity at first, but creating a rhythm you can stick to. Crush short-term goals. Small victories spark momentum. Instead of staring at a massive goal and feeling defeated, focus on micro-challenges: Walk an extra 1,000 steps daily, or squeeze in 20-minute workouts three times a week. Every little win builds confidence and sets the stage for bigger achievements, like hitting 10,000 steps daily or finishing a full-length fitness class. Schedule workouts around your life. Fitness should fit your life, not disrupt it. Figure out your prime energy hours. Maybe mornings fuel your focus, or evenings recharge your motivation. Even 15–20 minutes count when you’re easing back in. Start where you are, and gradually increase intensity. Remember, your stamina will grow alongside your consistency, not overnight.
Reinforce motivation with retail therapy. A new pair of shoes, a matching workout outfit, or a fancy water bottle can make exercise feel like a reward rather than a chore. Then, try a 30-day challenge to keep things interesting: a mile walk every day, one new workout a week, or short movement breaks during work hours. At the end of the month, reward yourself with a massage, a new gym bag, or a small treat to reinforce your progress. Buddy up for accountability. Accountability is a game-changer. A workout buddy or group can push you to show up on lazy days, celebrate your wins, and keep the process fun. Studies show that having someone alongside you can boost your
consistency, motivation, and happiness. Getting back into exercise isn’t about perfection. It’s about showing up, celebrating small wins, and making fitness a part of your life again. Start small, plan smart, and enjoy every step of the journey.
Catching Up With Caroline
Celebrating One Year at Wolf Retirement Navigation
This month marks a special milestone for Caroline as she celebrates her first
get to meet people you wouldn’t normally talk to,” she says. Each event brings new faces, new conversations, and deeper relationships with clients she usually only knows by name or voice. “I see these names every day when I prepare retirement recaps, but meeting clients in person, putting a face to the name, is so special.” Outside the office, life has been just as full. When Caroline first joined the team, her son was a newborn. Now he’s 15 months old, walking, talking, and keeping her on her toes. “Going from the quiet work environment to a toddler tornado at home is … a lot,” she laughs. But she wouldn’t trade it for anything. This past August, Caroline got engaged! With a January 2027 wedding date chosen, she’s gearing up for the whirlwind of planning and anticipation. “I’m telling myself it’s far away… to ease the stress,” she jokes, though she knows the next
anniversary at Wolf Retirement Navigation, and what a year it’s been! Stepping into her role as Client Service Specialist last year, Caroline remembers those early days of learning the ins and outs of the office, getting to know everyone’s responsibilities, and finding her rhythm. Now, 12 months later, she says the time has “absolutely flown by.”
As her confidence grew, so did her responsibilities. “Things just started
12 months will move quickly. She’s also serving as maid of honor in her sister’s June wedding, making this an especially busy (and joyful) time in her life. From career growth to family milestones, Caroline’s first year at Wolf Retirement Navigation has been packed with meaningful moments. She’s grateful for the support, the learning, the clients, and the team that surround her, and we’re just as grateful to have her. Here’s to year two!
clicking,” she says. “It’s a really nice feeling knowing my role has a positive impact and helps everyone around the office.” That sense of connection, both with coworkers and clients, has become one of her favorite parts of the job. A massive highlight this past year has been attending our many client events. “They scatter us around the room, so you
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Take a BREAK!
Honoring Robin’s 12th Year WISDOM, WARMTH, AND WORDS TO LIVE BY Robin is celebrating 12 incredible years with Wolf Retirement Navigation, and we couldn’t be more grateful for her dedication, warmth, and unwavering commitment to our clients and team. In honor of her 12th anniversary, Robin is sharing her top 12 Quotes to Live By, a perfect reflection of the incredible impact she has on our team and clients! 1. “Choose joy daily — it’s the spark that keeps life exciting and work meaningful.” 2. “Stay organized, stay flexible, and trust that both structure and spontaneity have their place.” 3. “Celebrate everything — the big wins, the small steps, and all the beautiful moments in between.” 4. “Kindness isn’t a gesture; it’s a lifestyle. Lead with it, always.” 5. “People matter most. Love them well, uplift them often, and show up fully.” 6. “Life is serious enough — be the person who brings the laughter, color, and fun.” 7. “Prioritizing myself isn’t selfish; it’s how I stay strong for the people I serve and love.” 8. “A good plan keeps me grounded, but flexibility keeps me sane.” 9. “Growth comes from showing up consistently, even on the days that feel heavy.” 10. “Every event, every client, every moment is an opportunity to create connection and joy.” 11. “Gratitude changes the way I work, the way I love, and the way I live.” 12. “Life is to be celebrated. People are to be loved. And each day is a chance to make both happen.” Robin, we are incredibly proud of everything you bring to our team, and we feel truly fortunate to have you as an integral part of our Wolf Retirement Navigation family!
SLOW COOKER BIRRIA TACOS
INGREDIENTS • 3 dried guajillo chiles • 2 dried ancho chiles • 1 medium onion, chopped • 4 garlic cloves • 1 (14.5-oz) can diced tomatoes • 3 lbs beef chuck roast • 2 cups beef broth
• 2 tbsp apple cider vinegar
• 1 tbsp dried oregano • 2 tsp ground cumin • 2 bay leaves • 1 tsp salt • Pepper, to taste • Corn tortillas • Fresh cilantro and diced onion for garnish
1. Soak dried chiles in hot water for 15 minutes. 2. Process chiles, onion, garlic, and tomatoes in a blender until smooth. 3. Place beef in a slow cooker and pour the chili mixture over it. 4. Add beef broth, vinegar, oregano, cumin, bay leaves, salt, and pepper. 5. Cook on low for 8–10 hours or until the beef is tender. 6. Shred the beef using forks, then mix back into the sauce. 7. Fry tortillas in oil until crispy, then assemble tacos as desired. DIRECTIONS
Inspired by SimpleWhisk.com
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904-232-8760 wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Vision 2026 PAGE 1 Find Your Flow and Fall Back in Love With Exercise PAGE 2 A Year of Learning, Laughs, and Life Changes PAGE 2 Cheers to Robin PAGE 3 Slow Cooker Birria Tacos PAGE 3 Your Guide to the Great Barrier Reef’s Most Epic Experiences PAGE 4
Swim With Turtles, Whales, and Wonder at the Great Barrier Reef Uncover the Magic of Australia’s Living Wonder
If you’ve ever dreamed of exploring a place so vast it dwarfs entire
craving a more remote experience can hop aboard a dive ship to explore untouched corners teeming with biodiversity. Prefer to keep your head dry? The 74 tropical Whitsunday Islands are perfect for cruising, whether on a bareboat charter or a luxury superyacht. For a show-stopping perspective, consider a scenic helicopter transfer to the Outer Reef. From the air, the patterns of coral, tiny secluded islands, and endless shades of blue make it clear just how massive this natural wonder truly is. For a once-in-a-lifetime adventure, the Reefsleep Experience takes you to Hardy Reef after day-trippers have left. Snorkel, dive, or relax on the Reefworld platform, then enjoy a barbecue as the sun sets. When night falls, snuggle into your floating tent under the stars or take a night dive to see the reef glow in a completely different light. Thrill-seekers, take note: Mission Beach offers a jaw-dropping skydiving experience over the reef and surrounding rainforest, plunging from 15,000 feet with expert guides to ensure an unforgettable ride. No matter how you experience it (by snorkel, yacht, helicopter, or parachute), the Great Barrier Reef is an adventure that promises awe, excitement, and memories you’ll treasure forever.
countries, Australia’s Great Barrier Reef should be at the top of your bucket list. Stretching over 1,400 miles along the eastern coastline, this paradise is larger than the
United Kingdom, Switzerland, Belgium, and the Netherlands combined! The Great Barrier Reef is home to dazzling coral
gardens, colorful fish, giant clams, and six of the seven known marine turtle species. From snorkelers to skydivers, the Reef offers something unforgettable
for every kind of adventurer. Underwater, the options are endless. Lizard Island is a snorkeler’s paradise where you can float above giant clam beds and glide alongside green turtles. Divers flock to Cod Hole for an up-close look at the Reef’s most famous marine residents, while those
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