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December 2025
ADAM’S HOLIDAY CAROL FOR YOUR FINANCIAL FUTURE The 12 Days of Retirement
As the holidays roll in, I can’t help but hum “The 12 Days of Christmas.” But instead of partridges and pear trees, my mind drifts (naturally) to retirement planning. So, in the spirit of the season, I’ve reimagined the classic carol, advisor style. May it bring a smile, a chuckle, and a reminder that planning ahead, way before the first day of your milestone, is the best and smartest way to enter retirement! With that in mind, sing along with me: The 12 Days of Retirement On the 1st day of retirement, my advisor built for me… A written SMART plan that helps me sleep at night peacefully. On the 2nd day of retirement, my balanced portfolio gave to me… Two future income streams and a written SMART plan that helps me sleep at night peacefully. On the 3rd day of retirement, my strategy gave to me… Three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 4th day of retirement, my financial coach gave to me… Four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 5th day of retirement… FIVE GOLDEN YEARS (before RMDs kick in)! On the 6th day of retirement, my nest egg gave to me… Six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income
streams, and a written SMART plan that helps me sleep at night peacefully. On the 7th day of retirement, my blueprint gave to me… Seven goals aligning, six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 8th day of retirement, my children gave to me… Eight grandkids smiling, seven goals aligning, six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 9th day of retirement, my SMART plan gave to me… Nine tax advantages, eight grandkids smiling, seven goals aligning, six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 10th day of retirement, my wishful list gave to me… Ten years of markets rising, nine tax advantages, eight grandkids smiling, seven goals aligning, six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 11th day of retirement, my customized plan gave to me… Eleven strategies dancing, ten years of markets
rising, nine tax advantages, eight grandkids smiling, seven goals aligning, six growth investments, five golden years, four seasons of planning, three tax-planning buckets, two future income streams, and a written SMART plan that helps me sleep at night peacefully. On the 12th day of retirement, my future gave to me… Twelve months of joy — surrounded by the love of my friends and family! The Takeaway Retirement isn’t about giving things up — it’s about gaining peace of mind, flexibility, and the freedom to enjoy life’s gifts. Whether it’s two future income streams, four seasons of planning, or 12 months of joy, the best present you can give yourself (and your family) is a well-crafted plan of action. So, this holiday season, while you’re singing carols -- in my case, off-key -- and sipping cocoa, remember: Your financial future can be just as beautiful and magical as the lights on your tree. From my desk to your hearth, wishing you a season of joy, laughter, and confidence in the years ahead.
—Adam Wolf, CPA, CFP ® your ever-watchful financial elf … keeping your goals aligned and your seasons of planning merry and bright.
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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Calm Is Just a Chirp Away
Let Bird Songs Lead Your Meditation
Imagine starting your day not with emails or phone screens but with the beautiful song of a cardinal, the flutter of wings, or the excitement of spotting a rare finch. Birdwatching is quickly becoming not just a hobby for people in their 50s and 60s; it’s a new, easy way to meditate. Grabbing a pair of binoculars and a birding guide has many benefits, like helping you reconnect with nature, create social connections, and improve your mental health. Get ready to find your calm out in nature! Birding Benefits Meditation is about being present and letting your mind shift into a state of peace. Being outside is good for all of us. It can restore focus and decrease stress. Birdwatching gives you an easy meditation tool, bringing you into a relaxing
Finding Calm in the Chirp You don’t need any prior experience with birdwatching or meditation to make this a regular practice in your life. Start close to home, observing the winged visitors that come to your yard or local parks. As you get more comfortable, start exploring national parks, nature reserves, and known birding hotspots in your area. Birdwatching requires no fancy equipment, but a good pair of binoculars can make the whole experience more
enjoyable. They will help you get a better look at the beautiful colors of bird wings and make identifying different species easier. Keep a journal or birding log to track all the varieties you find. Take a mindful moment to jot down your observations and what each sighting means to you. Birding can be a solitary practice for stress relief, or you can join a local birding group. So, look to the trees and let your worries take flight. Let every bird’s song and flash of colorful wings be a reminder that inner peace is just a few bright feathers away.
outdoor environment where you can use birds as a focal point. It’s especially helpful for people who have trouble quieting their thoughts or focusing. Bird songs can also put you in a better mood. One study in 2022 found that participants’ well-being was significantly better when they listened to bird songs.
A STEP-BY-STEP FINANCIAL TUNE-UP CLOSE OUT 2025 WITH CLARITY
As the year winds down and holiday plans take over, it’s easy to let your finances slide to the back burner. But before you pop the champagne and toast to a new year, take a few moments to give your financial life a quick year-end tuneup, similar to a personal financial reset that can help you save on taxes, fine-tune your goals, and start 2026 on the right foot. Here’s your step-by-step guide to closing out the year like a pro. Max out your retirement contributions. Your future self will thank you for this one. Check how much you’ve contributed to your 401(k), IRA, or other retirement accounts this year. If you haven’t reached the maximum contribution limit yet, consider topping it off before December 31, 2025. Every extra dollar you contribute not only boosts your retirement savings but may also lower your taxable income for the year. It’s a simple move with a long-term payoff. And don’t forget the catch-up amounts for those over 50! Review your investment portfolio. Now’s a good time to look at how your investments performed in 2025. Markets can be unpredictable, but you can still make smart tax moves. Tax-loss harvesting, selling underperforming investments to offset capital gains, can help reduce your tax burden. On the flip side, if you’re in a lower tax bracket, realizing some gains this year might actually make sense.
Don’t miss Required Minimum Distributions (RMDs). If you’re 73 or older, don’t forget your required minimum distributions from retirement accounts. Missing that deadline can trigger hefty penalties. Make sure your RMDs are taken care of before year-end so you can relax knowing you’ve met all the requirements. Give back strategically. Now is also the perfect time for charitable giving. Not only does it feel good to support a cause you believe in, but it can also offer tax benefits if you itemize deductions. And if you’re over 70 1/2, consider making a qualified charitable distribution (QCD) directly from your IRA. Reflect, reset, and plan ahead. Before the year wraps up, take a moment to reflect on your financial journey. Did you hit your savings goals? Are you staying on budget? Have you made progress on debt? Celebrate the wins, learn from the misses, and set fresh, achievable goals for the new year. Meet with us. Finally, schedule time with us to review your overall plan. A quick year-end check-in can help you uncover tax-saving opportunities, adjust investments, and ensure your finances are in sync with your goals.
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Take a BREAK!
SLOW DOWN AND SHOP LOCALLY Robin’s Picks for Gifts That Mean More Retirement has a funny way of shifting our perspective. Suddenly, it’s not about how much we have but about how much meaning we can find in the things we choose to do, see, and give. Quality over quantity becomes less of a saying and more of a lifestyle, and what better way to embrace that mindset than by shopping locally? Robin would like to share with you a few favorite local spots to shop every holiday season — or for any gift-giving occasion! Shop Temporium (San Marco) This beautifully curated boutique is a weekend-only gem, full of vintage finds, locally made goods, and Jacksonville art. Every corner holds something special, from handcrafted jewelry to one-of-a-kind décor, making it the perfect stop for thoughtful, story-filled gifts. Riverside Arts Market Open every Saturday all year long — rain or shine, from 10 a.m. to 3 p.m. — beneath the Fuller Warren Bridge, this market is overflowing with all things creative! Local artists, makers, and farmers come together to offer handmade crafts, fresh produce, and unique pieces that make wonderful, meaningful gifts. The experience, itself, is worth it. Congaree and Penn Located on the north side of Jacksonville, this little farm is quite the adventure! Ideal for a date night or a family outing, visitors can explore the area, dine on farm-fresh meals, and enjoy the natural beauty that makes this spot truly unique and special. Alhambra Dinner Theater This Jacksonville institution is a great gift idea for anyone who loves the arts. Guests can enjoy a full evening of entertainment with a delicious dinner and a live performance! It’s a perfect blend of culture, creativity, and local charm. FSCJ Artist Series at The Times-Union Performing Arts Center This is another wonderful way to give the gift of art and experience. With a diverse lineup of Broadway shows, concerts, and performances, it’s an opportunity to support the arts while creating lasting memories. Beaches Town Center (Neptune Beach) Nestled where Atlantic Boulevard and Neptune Beach meet, this area offers a great mix of walkable local shops, galleries, and restaurants. Robin’s picks remind us that when we shop locally, we’re investing in stories, creativity, and our wonderful community! Happy Holidays!
WHITE CHRISTMAS MARGARITA
INGREDIENTS Garnish: • 1/2 of a lime • 2 tbsp dried unsweetened
Cocktail: • 1 oz lime juice • 1 oz cream of coconut • 1/2 oz Cointreau (or other triple sec liqueur) • 2 oz tequila blanco • 1 bar spoon vanilla vodka (optional)
shredded coconut
• 1 sprig fresh rosemary • 5–8 cranberries
DIRECTIONS
1. Use half a lime to wet the rim of your glass. Dip the wet rim in shredded coconut, turning the glass so the entire rim is covered. Set the glass aside. 2. Wash and dry the rosemary sprig and cranberries, then set aside while you make the drink. 3. In a cocktail shaker, add the lime juice, cream of coconut, Cointreau, tequila blanco, and vanilla vodka. 4. Fill shaker with ice and shake for 15–20 seconds. 5. Fill the serving glass with fresh ice and strain the mixture into the glass. 6. Add cranberries and rosemary as a garnish and serve!
Inspired by CharmingCocktails.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
The 12 Days of Retirement Planning (Advisor Edition) PAGE 1 Why Birdwatching Is the New Stress-Buster PAGE 2 Before You Ring in the New Year, Give Your Finances One Last Check PAGE 2 Robin’s Guide to Meaningful Holiday Gifts PAGE 3 White Christmas Margarita PAGE 3 3 Train Trips to Take Today PAGE 4
TRACKS AND TREASURES
Scenic Rail Journeys Worth Riding
Flying over beautiful landscapes can be exhilarating, but what if you could experience those beautiful sights in a closer and more personal way? With railway vacations, you can. Whether you’re a seasoned train traveler or curious about cruising on the tracks, here are three travel options you can only experience and appreciate on the rails. A Euphoric European Escape While there are plenty of thrilling sights to behold in America, the glamorous international excursion of the Venice Simplon-Orient-Express is incomparable. From its pristinely preserved 1920s/1930s- era carriages and stunning Art Deco interior to its remarkable gourmet food (including breakfast in bed!) and live entertainment, this world-renowned train will take you through Venice, Paris, Istanbul, and other legendary European destinations.
A Symphony of Swiss Scenes For many travelers seeking some of the most breathtaking visuals imaginable, all rails lead to the Swiss Alps. The Glacier Express’ 292-bridge/91-tunnel track from Zermatt to St. Moritz gives passengers a personal view of picturesque valleys, mountain streams, and alpine meadows. Often referred to as “the slowest express train in the world,” it travels 24 miles per hour, allowing you to feast your eyes on the scenery through its panoramic windows. Boasting millions of passengers in its decades-long history, the Glacier Express has earned its rightful place as one of the most celebrated names in tourism. An Alaskan Adventure If you’re looking for railway adventures closer to home, consider hitting the tracks in Alaska. Since 1903, the Alaska Railroad has provided travelers an intimate way to explore what later became our 49th state.
Getting a seat will guarantee a breathtaking journey through scenic landscapes, national parks, fjords, snow-capped peaks, and valleys brimming with wildlife. For the ultimate Alaska experience, opt for the Alaska Railroad’s GoldStar Service, which offers glass-dome ceilings for panoramic nature viewing, a full-service dining room, and a one-of-a-kind upper-level platform for additional sightseeing. The next time your wanderlust inspires you to explore new wonders, skip the plane and take a train!
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