Check out our February newsletter!
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
As seen on:
February 2023
DON’T FACE IT ALONE
Allow Us to Be Your Constant
Each time I’m asked about my reason, my drive, and my “why,” the answer is always easy: it’s all about you! Here at Wolf Retirement Navigation, we are invested in you. Every time our paths cross — when we meet someone we are able to help, even if it’s just by offering one small nugget of information — we’d love to know your background. We want to know whatever you are comfortable sharing with us. What gets you out of bed in the morning? What are your passions in life? What brings you here? For me, there is no greater compliment than when a client and a member of the Wolf Retirement family trusts us enough to share our name with their friends, family, relatives, coworkers, or
different hobbies and skill sets. Thus, each financial plan is unique and customized. Some of you are in search of advice on investments and others wish to optimize their spending. A handful of you have had other financial advisors in the past; and, for many, it’s your first time meeting an advisor. No matter where you come from, we are here and ready to help! Whether you’re married, single, divorced, or widowed, we are prepared to ensure that you are knowledgeable in all aspects of finances, from your taxes to income streams. And, for each event that pops up in life — your children’s marriages, the birth of your grandchildren, the death of a spouse, and the vacation of a lifetime — we are here. When individuals meet with us, every single time, I’m so energized and impressed because they value their retirement enough to seek help and guidance. That’s what truly motivates and excites me. It’s paramount to be armed with knowledge and, as a community, our Wolf Retirement family learns and grows through the successes of others — how wonderful it is to share experiences and expertise with one another within our “family.” As you know, we love getting together to socialize and celebrate via events held at different venues throughout the year, where we create and foster lasting friendships and relationships. In 2023, we look forward to many more opportunities to mingle, grow, and learn together and from one another. Let’s allow this year to be another great period of growth, knowledge, and positivity. It always has been and always will be about building smarter plans and lifelong partnerships and friendships… together!
even a random stranger in line behind them at the grocery store. We are passionate about growing our community of those invested in financial wellness and sound retirement planning, and we are always ready with open arms, ears, and hearts to “do life” together.
Each of you is different, and that’s likely one of my favorite parts of my career.
You come from varying walks of life, stages of retirement, and career backgrounds. Some of you are on the brink of
retirement and your golden years, while others are already five or ten years in. Each of you has your own set of goals and ambitions,
-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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LOOKING FOR A NEW HOBBY?
Try One of These Unique Options! Once the kids have moved out, your newly empty nest provides the best opportunity to rekindle old flames with some of your favorite hobbies or a chance to explore some new ones! Even if you still haven’t reached retirement, having a hobby or two that you are passionate about is essential for your well-being. Here are some exciting hobbies that aren’t your traditional art class or tennis match. Upcycling Your Belongings Many of us have items around the house we no longer use. In fact, they’re likely tucked away somewhere collecting dust. By upcycling them, you can turn them into new treasures. For example, if you
have an old glass jar in the back of your pantry, you can paint and decorate it to repurpose it as a vase. Doing Tai Chi Tai chi, a form of martial arts, combines slow and gentle postures and movements, controlled breathing, and a meditative mindset to deliver a calming practice. It’s a great way to get busy and improve your physical and mental health. The best part is that it doesn’t require any equipment — only your body! Practicing Archery Archery is fun and interactive and builds your hand-eye coordination. You can practice archery alone, with friends, or with your spouse or partner. All it requires is a bow, some arrows, and your focus. Starting a Book Club Book clubs are a great way to hold yourself accountable for finishing a book from cover to cover and a fun way to get together with friends or to meet new people with similar interests. Restoring Furniture You’ve likely noticed that people will throw away just about everything — even some great pieces of furniture that, with a little TLC, have great potential! Refinishing and reupholstering old furniture pieces with new paint or fabric is fun and can even make you some extra money! Whatever you’re passionate about, there’s a hobby out there for you. Even if you’re unsure what you might like, you have the freedom to try out all kinds of different activities!
Introducing WRN ‘The Client Connection’ JOIN OUR PRIVATE FACEBOOK GROUP!
We here at Wolf Retirement Navigation have created a Facebook group as a welcoming and entertaining platform exclusively for our clients to get together to share ideas and information, posts, and pictures; offer recommendations regarding favorite restaurants, events, and places to visit; announce personal happenings and milestones; and, most importantly, connect and care for one another. Our goal is simple: to make this a group you enjoy and frequently visit to engage in conversation within the WRN community and forge new and lasting friendships with clients living locally or in other states we service. We encourage suggestions, recommendations, and ideas on how we at WRN can best serve you, our clients, such as the social events we hold throughout the year and what venues, activities, or information you’d like to enjoy at these get-togethers. After all, what is important to you is important to us! Kindly refrain from political-based conversations or other debatable topics (pun intended!). As always, we welcome your feedback and will make additions to the group rules based on such recommendations. We look forward to “seeing” you online in “The Client Connection” Facebook group!
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
EMPLOYEE SPOTLIGHT ON ROBIN!
9 Years of Dedication and Kindness
January 27, 2014 is a day that changed the face of Wolf Retirement forever, one of the best workdays of my life since starting my company. As the Marketing and Events Coordinator, Robin has brought to the forefront a kindness and compassion for others unlike anything I had ever seen. Robin’s heart is bigger than anyone’s I know. She has been — and continues to be — the heartbeat of Wolf Retirement when it comes to “being there” for our clients. Robin has been an essential part
just started a Facebook page solely for WRN clients, which you will learn about in another article in this month’s newsletter, another entertaining way clients can engage with other clients. Help us wish Robin a happy work anniversary! Better yet, reach out to Robin with fresh ideas for social events and anything else that involves you, our clients. Join our next social event, webinar, or workshop, and converse and interact on our new Facebook page. Create new bonds with other clients. We are deeply grateful for the dedication and passion Robin shows to each of us every day. She enriches our lives with her kindness, beautiful smile, and spirit. Happy No. 9, Robin! The best is yet to come!
of our company’s growth and success. She loves to see our
clients socialize with one another at social events throughout the year, in addition to attending webinars, workshops, and fundraisers. She
Take a
Break!
CHOCOLATE POTS DE CREME
Inspired by FoodNetwork.com
INGREDIENTS
• 9 oz high-quality semisweet chocolate, chopped • 1 1/2 cups whole milk • 1 1/2 cups heavy cream, divided • 6 large egg yolks
• 5 tbsp granulated sugar (add an extra tbsp if using bitter chocolate) • 1/4 tsp salt • 1 tbsp powdered sugar
1. Place chopped chocolate into a blender. 2. In a heavy-bottomed medium saucepan, whisk the milk, 1 cup of cream, egg yolks, granulated sugar, and salt over medium heat. Cook, constantly stirring with a spatula until the mixture is almost boiling, 5–6 minutes. Immediately pour the milk mixture over the chocolate in the blender. 3. Cover and blend until smooth. 4. Divide the mixture among ramekins or small cups and refrigerate until set (about 2 hours). 5. Whip the remaining 1/2 cup cream and the powdered sugar with a mixer until soft peaks form. 6. Top chilled pots de creme with whipped cream and serve. DIRECTIONS
Solution on Page 4
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
We Are Here for You PAGE 1
5 Unique Hobbies to Try PAGE 2
‘The Client Connection’ PAGE 2
Employee Spotlight on Robin PAGE 3
Chocolate Pots de Creme PAGE 3
Brushing Up on Cruise Etiquette PAGE 4
After a slump in 2020 and 2021, cruises are back in a big way. If you’re planning your first onboard adventure — or it’s been a while since you last set sail — now is the time to brush up on your cruise ship etiquette. Every passenger should read their cruise line’s policies to ensure they know all the specifics before climbing aboard. In the meantime, we’ve listed some of the most essential do’s and don’ts for the savvy traveler. Know what to wear. Some cruise lines aim for a fancy atmosphere, while others prefer a casual approach. Ideally, review the dress policy before you book your trip. Bring at least one formal outfit in your luggage for dinner, which tends to have an upscale vibe. The rest of your cruise wear should be casual but tasteful, leaving you looking put together. Most importantly, don’t overpack — the stateroom is smaller than you think. Don’t be a chair hog. Everyone wants a prime spot on the sundeck, but you’ve got to rise early in the morning to get one. That’s fine if you can manage it, but “saving” a seat by putting a towel on it and then wandering away for breakfast or a mani-pedi is the best way to get on your fellow travelers’ bad side. Your cruise may also have a policy against it. Know Your Cruise Etiquette Before Setting Sail ALL ABOARD!
Going to the bathroom is one thing; you’re only human. Otherwise, if you want the seat, stay in it. Be on time. Treat your cruise ship like an airplane — if you’re not on time, it’s probably leaving without you. And if you are lucky enough to have the ocean liner wait, your fellow passengers won’t look at you kindly. Set your watch to ship time (not local time) and prepare to be back an hour before the deadline. That way, if you happen to be late, you’ll still be on time. You may miss out on an extra drink or souvenir shop, but nothing will ruin your cruise faster than being left behind at the dock.
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