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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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December 2024
EMBRACE THE NEW YEAR Resolutions to Elevate Your Retirement Journey
As we approach the end of another wonderful year, our 10-year anniversary in service, it’s time to turn our thoughts to the fresh start that a new year brings. At Wolf Retirement Navigation, we believe that setting meaningful resolutions can be a powerful way to enhance your success in retirement. Here are three key resolutions we encourage all our clients — both long-term and new — to embrace in the coming year. Expand Your Knowledge With Our Learning Opportunities Learning never stops; and, in retirement, staying informed can make all the difference. This year, make a resolution to join us in our various educational initiatives. From our popular monthly Lunch-N-Learn events at the San Pablo location to our active social media presence on Facebook, Instagram, and LinkedIn, there are many opportunities to stay updated.
Additionally, we host monthly live and interactive webinars — The Coach’s Corner — and are excited to introduce our new podcast series, Jacksonville’s Retirement Coach. Tune in to our podcasts on Spotify and Apple Podcasts to gain valuable insights into retirement planning in an informative and entertaining format. Simply type “Jacksonville’s Retirement Coach” in the search bar of either the Spotify website (spotify.com) or Apple Podcasts (podcasts.apple.com) website. By committing to continuous learning, you will be better equipped to navigate the complexities of retirement, make informed decisions, and ultimately enjoy a more prosperous and fulfilling life after the career paycheck stops. Engage in Our Social Events and Forge New Friendships Retirement is not just about financial security; it’s also about enjoying the journey. This year, resolve to participate in our numerous client-appreciation social events held throughout the year. These gatherings offer a fantastic opportunity to connect with fellow clients, share experiences, and build lasting friendships. For those who have never attended, we assure you that you will enjoy the camaraderie and the chance to meet like-minded individuals. Attending these events will enrich your social life and create a support network that can be invaluable in your retirement journey.
Participate in Our Ambassador Program Referrals are the heart of our Ambassador Program, and your experiences are our greatest testimonial. Make it your resolution to share your positive experiences with friends and family, inviting them to become part of the Wolf Retirement Navigation family and community. This program helps us grow and fosters a sense of community and trust among our clients. THE IMPORTANCE OF RESOLUTIONS Setting resolutions is about more than just making promises; it’s about committing to actions that will improve your life. For our clients, these resolutions are designed to enhance both the present and the future. By staying educated, engaging socially, and contributing to the community, you are taking proactive steps towards a more enriched retirement. At Wolf Retirement Navigation, we are here to support you every step of the way. Let’s embrace these resolutions together and make the new year a time of growth, connection, and success. Wishing you and your loved ones a Very Merry Christmas and a Happy and Prosperous New Year!
In Service, Friendship, and Gratitude,
-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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SLEEP STEALERS AVOID THESE FOODS FOR BETTER SLEEP
For the estimated 1 in 3 Americans who struggle with insomnia, avoiding sleepless nights is a top priority. Most people know to ease into relaxing activities and avoid blue light from digital devices for at least an hour before bedtime. However, avoiding certain foods that can keep you awake is just as important. Here are four of the worst culprits. Rhythm Wreckers Cheese lovers, beware! Tyramine, an amino acid found in fermented and aged foods, including cheese, tends to trigger the release of norepinephrine, a neurotransmitter that can raise blood pressure. Alcohol also is believed to interfere with circadian rhythms by disrupting the body’s sensitivity to natural sleep cues, such as waning light in the evening. Acid Igniters For the estimated 1 in 5 Americans who suffer from acid reflux, the food and drink consumed before bedtime are pivotal to sleep quality. Foods that trigger this gastrointestinal disorder include spicy items and high-fat dairy products like ice cream. Sadly, popular party fare, which includes cheese, tomato sauce, alcohol, and carbonated drinks, also can trigger heartburn.
Tummy Troublemakers As enjoyable as carbonated beverages may be, they can cause gas, bloating, and general stomach discomfort, preventing you from settling into sleep. Other potential triggers of stomach problems include citrus fruits, which have a high acid content that can fuel stomach acid. Citrus also acts as a natural diuretic, prompting you to awaken in need of a bathroom at night. Hidden Caffeine Avoiding the caffeine in coffee, energy drinks, and soft drinks is a no-brainer, but certain teas can disrupt sleep, too. While even the highest-caffeine teas, including yerba mate and black tea, have less than half as much caffeine as a standard cup of coffee, all true teas — so defined because they are made from the Camellia sinensis plant — still have enough caffeine to disturb sleep. Only herbal teas like chamomile, peppermint, and hibiscus brews are caffeine-free. And chamomile, in particular, contains the added benefit of a plant-based compound called apigenin, which calms the brain.
Adam’s Podcast Brings the Playbook to You! Retirement Game Plan?
Every retirement needs a successful game plan. Every successful game plan needs a strong coach. Adam is stepping up to the plate on his new podcast, “Jacksonville’s Retirement Coach With Adam Wolf,” to bring you timely and informative retirement news straight to your streaming device! Each new episode will cover key financial and retirement planning areas, from investment management to insurance planning and beyond. Adam’s goal is to help you better understand your current financial situation and a better education that will enable you to make wiser financial plays that will help YOU score bigger in your retirement. Listen to Adam’s new podcast on Apple or Spotify. Don’t forget to subscribe and share!
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Take a BREAK!
OPTIMIZE YOUR PORTFOLIO
Sticky Fig and Pecan Pudding With Toffee Sauce
The Benefits of Tax-Loss Harvesting at Year End
Inspired by Delicious.com
INGREDIENTS •
3/4 cup unsalted butter, softened 2/3 cup brown sugar
•
3/4 cup pecans, roughly chopped 1/2 cup hot water
Many investors use tax-loss harvesting to optimize their portfolios and reduce taxable income. It involves selling underperforming investments to realize a loss, which can then be used to offset capital gains from winning investments or, in some cases, even reduce ordinary income. While it can be executed throughout the year, many investors choose to focus on tax-loss harvesting at the end of the year. Let’s take a look at why. Maximizing Tax Benefits The end of the year is a natural time for investors to evaluate their portfolio’s performance and assess their financial picture. By waiting until late in the year, they have a clearer view of their total capital gains for the tax year. This allows them to calculate how much in losses they need to harvest to offset gains effectively, potentially reducing their tax liability. Strategic Portfolio Adjustments Investors often use this time to realign their asset allocation, selling underperforming assets to harvest losses while reinvesting in assets that better align with their long-term goals. This can improve their portfolio’s efficiency while taking advantage of tax-saving opportunities. A Smart Financial Habit While tax-loss harvesting is a useful strategy, it’s not just about reducing taxes — it’s about optimizing investment performance. Investors should focus on long-term goals to ensure their decisions align with their financial plans rather than short-term tax benefits driving them.
• • • •
•
2 eggs, beaten
Toffee sauce • 1/2 cup
1 tsp baking powder
3/4 cup self-rising flour
unsalted butter
• •
1 cup brown sugar 1/2 cup heavy cream
•
3/4 cup dried figs, roughly chopped
DIRECTIONS
1. Preheat oven to 350 F. Grease a 6-cup ovenproof bowl and line the bottom with waxed paper. 2. In a large bowl, beat butter, sugar, eggs, baking powder, and flour until smooth. Stir in pecans and figs, then add 1/2 cup hot water. 3. Pour batter into prepared bowl, cover with a circle of waxed paper, then cover tightly with foil. Bake for 50–60 minutes until a skewer inserted into the center comes out clean. 4. For toffee sauce, put butter and sugar in a saucepan over low heat, stirring constantly until the sugar dissolves. Stir in cream and increase heat to medium. Bring to just below boiling, then reduce heat to low and cook, stirring occasionally, for 5–7 minutes until thickened. 5. Turn pudding onto a plate and drizzle with toffee sauce.
By taking stock of their investments and acting before the end of the year, investors can set themselves up for a more financially efficient future.
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
INSIDE How to Make 2025 Your Best Retirement Year Yet PAGE 1 Foods to Avoid for a Good Night’s Sleep PAGE 2 Master Your Financial Future With Adam’s New Podcast PAGE 2 How Tax-Loss Harvesting Can Benefit Your Portfolio PAGE 3 Sticky Fig and Pecan Pudding With Toffee Sauce PAGE 3 Italy’s Most Photogenic Seaside Destination PAGE 4
Walk the Italian Riviera’s ‘Pathway of Love’ DISCOVER CINQUE TERRE
Imagine a cluster of ancient seaside villages along the Italian Riviera so picturesque that it inspired a Disney film. Cinque Terre, or “five lands,” encompasses five breathtakingly photogenic fishing villages along the northwest coast of Italy. Recognized as a UNESCO World Heritage area, this national park offers all the attractions visitors love about Italy, from extraordinary food and wine to exciting seaside views. Childhood memories of Cinque Terre inspired Disney director Enrico Casarosa to re-create the setting for his Oscar-nominated coming-of-age film “Luca.” Cinque Terre’s narrow streets are often filled with day-trippers during the summer, nearly overwhelming the area’s 4,000 residents. The flood of tourists eases in the winter, however, making this the best season to savor Cinque Terre’s beauty and culture.
While farmers developed the area in the 11th century, Cinque Terre was inaccessible by road until the 1960s. One has to admire the ingenuity of residents who carved terraces into the steep cliffs, stacked houses down the ravines, and cultivated olives and wines so superb that kings favored them during the Renaissance. Hiking is a favorite pastime here, and visitors this winter are in luck. One of the
most beautiful walkways in the world, the half-mile Via dell’Amore (or Pathway of Love), reopened in August 2024 after repairs following a 2012 rockfall. Reservations are required, and visitors are only allowed to walk one way on the path from the village of Riomaggiore to Manarola. Unlike the steep, rugged hiking paths elsewhere in Cinque Terre, however, part of the Via dell’Amore is wheelchair accessible, and the breathtaking views are worth the effort. Planning to drive in and around Cinque Terre isn’t wise. The clifftop roads are narrow and frightening, even for seasoned drivers, and nonresidents aren’t allowed to park in the villages. A better strategy is to take the train from the Genoa or Pisa airports (about 1–2 hours). Check the national park website at Parconazionale5terre.it before you arrive to learn about any winter storm closures and trail conditions.
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