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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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November 2022
AN ATTITUDE OF GRATITUDE
Embracing Time This Thanksgiving Holiday
Our entire Wolf Retirement Navigation family and team are truly grateful for the friendship of our clients and allowing us to welcome them into our family. We continue to share our stories as we walk together to and through the journey of retirement and its many different phases. We want to ensure we never forget we are in this together as one big family. This Thanksgiving, we celebrate our many blessings, past, present, and future. The holiday is rich in legend and steeped in tradition; however, there are times when life throws us curveballs, and we may not be able to partake in all the customary traditions of Thanksgiving. Just like in life, always remember when Plan A doesn’t quite work out, there are many more letters in the alphabet. So, whether this year’s Thanksgiving is traditional or nontraditional, the most important thing is to reflect upon our blessings, the love of family, and cherished memories and friendships. I hope your holiday is filled with joy, no matter how you choose to celebrate, whether it be with turkey dinner with all the fixings, parades, football, charitable events such as the 8th Annual Tony’s Turkey Trot (we hope to see you there), spending time with loved ones, talking with family on Zoom, taking a vacation, or even traveling. It’s often said that even the richest man in the world can make more money, but he cannot make more time. So, as I depart for California, I am reminded that American jazz musician, Lionel Hampton, said, “Gratitude is when memory is stored in the heart and not in the mind.” From our Wolf Retirement family to you and yours, Happy Thanksgiving! Yours in gratitude, service, and friendship,
As the temperatures continue to drop (even in the Sunshine State), holiday cheer begins to flow and families start to gather to celebrate the holiday season. I began thinking of the true meaning behind Thanksgiving and decided to immerse myself in some research. After much searching and reading, the best explanation that meant the most to me for many reasons was that the true meaning behind our Thanksgiving celebrations focuses on relationships. As I pondered this, I realized that relationships can embody many different dynamics. They can center around spiritual aspects, focus on family, incorporate relationships between spouses, or any interpretation you desire. Family doesn’t need to stem from blood and marriage — it can be chosen family and significant people we cherish. I will be traveling to Sacramento, California, this Thanksgiving season to pick up my father and his belongings and move him east to be closer to family due to recent health complications. On the trip back home, we will be taking time to stop along the way wherever my dad’s heart desires, creating memories to treasure forever. The holidays are a perfect time to devote this time to my father, and I’m blessed to have the opportunity to do so. Time is a precious commodity — you can never make more of it.
-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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A CLEAN, CLUTTER-FREE CLOSET
Make the Most of Limited Space
Use pegboards for accessories. Jewelry organizers are cute, but they rarely hold every single piece you own. Many items end up in a pile where they get tangled or tucked away in a drawer where you forget about them. Rethink how you store your accessories by taking a cue from your garage. A pegboard with hooks installed in your closet is an inexpensive, comprehensive way to hang your jewelry. With all that sparkle and color, the finished result will be much more upscale than the workbench version, and the accessories you love will get the attention they deserve. Determine what you don’t wear. Many people have a pile of clothing they never wear but keep “just in case.” A little mind trick could change your thinking about all those extra garments. Turn your hangers around so the open part of the hook faces out of the closet. As you wear items, replace the hanger the usual way. After a year, you’ll have undeniable proof of what’s just taking up space and can be donated. It might be hard to part with some items, but at least you’ll have room for new clothes!
Few people will ever have a closet that resembles the ones you see on HGTV, but that’s no excuse to leave your wardrobe in disarray. Most of us could stand to keep things tidier or more organized. And no matter how big your closet may be, you probably wish you had more space. These closet hacks will help you make the most of what you’ve got without breaking the bank for a custom system. Hang more in the same space. Most people will blame a lack of space for their messy closets. When there’s not enough room for everything, you must find a way to cram it all in and make it work. But you can rethink how you’re using your closet. Consider adding a second clothing rod below the items you’ve already hung up. This solution will make it easier to sort clothes neatly and keep seasonal wear separated. Not possible or too much work? Break the tab off a soda can — and slip it around the hook on each hanger. You can now use the second hole in the tab to hang another item!
Upcoming 2022 Educational Webinars and Workshops SAVE THE DATES!
As we enter the holiday season, the year is drawing to a close, and there’s still much more to take part in here at Wolf Retirement Navigation! Save the date for our upcoming 2022 educational webinars and workshops! 2022 CALENDAR OF EVENTS Wednesday, Nov. 9, 2022, 5:30–6 p.m. State of the Retirement Webinar with guest speaker
Matt Harrod of Harrod Law LLC Estate Planning Updates for 2023 Tuesday, Nov. 29, 2022, 5:30–6 p.m. Coach’s Corner Webinar End-of-Year Tax Updates Tuesday, Dec. 13, 2022, 5:30–6 p.m.
State of the Retirement Webinar Market and Economic Updates Be sure to subscribe to our Constant Contact Email list for updates, changes, and other important information you won’t want to miss out on. Call the office if you aren’t receiving our emails.
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8TH ANNUAL TONY’S TURKEY TROT Waddle, Walk, and Run in This Year’s Tony’s Turkey Trot!
One of our long-standing traditions here at Wolf Retirement Navigation (since 2014) is to sponsor the annual Tony’s Turkey Trot 5K for Brain Injury Awareness. This Thanksgiving, on Nov. 24, the 8th Annual Tony’s Turkey Trot 5K, hosted by UF Health Jacksonville, is taking place at 8 a.m. in Atlantic Beach, Florida. By participating in this exciting holiday event, you have the opportunity to assist in advancing lifesaving care during the critical early stages of brain injury and support the holistic care of traumatic brain injury (TBI) survivors within our community. This year, 3,000 participants are expected to show support while having some Turkey Day fun! We invite you to join our team, Wolf Retirement Navigation’s Wolfpack — we would love to have all our
clients and friends join in the festivities along with us! We have sponsorship codes available for anyone interested on a first-come, first-served basis! If you want to participate in one of the many opportunities available, please contact Robin in the office for more information. The link to register is listed below. This holiday event brings friends and family together to walk, jog, and run for a morning of fun as we gear up for the big meal! Don’t miss out — join us today! For more information, please visit 1stPlaceSports.com/races/tonys-turkey-trot-5k. If you would like to donate, volunteer, or participate in this year’s Tony’s Turkey Trot, please contact our office today!
Take a
Break!
APPLE CRANBERRY CRISP
Inspired by TasteOfHome.com
INGREDIENTS
• 3 cups peeled and chopped tart apples • 1 1/2 cups cranberries • 3/4 cup packed brown sugar, divided
• 1 tbsp lemon juice • 1/2 tsp ground cinnamon • 1/2 cup all-purpose flour • 1/3 cup butter, cold • Vanilla ice cream (optional)
DIRECTIONS
1. Preheat oven to 375 F. 2. In a large bowl, combine apples, cranberries, 1/4 cup brown sugar, lemon juice, and cinnamon. 3. Grease an 8-inch baking dish and pour the mixture into it. 4. In a small bowl, mix flour and the remaining brown sugar. Cut in cold butter until the mixture is crumbly. Sprinkle this over the fruit. 5. Bake uncovered for 25–30 minutes or until the topping is golden brown and the filling is bubbly. If desired, serve with vanilla ice cream and enjoy!
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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
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INSIDE
Thanksgiving Gratefulness PAGE 1
Keeping Your Closet Cleaner PAGE 2
Save the Date! PAGE 2
8th Annual Tony’s Turkey Trot PAGE 3
Apple Cranberry Crisp PAGE 3
America’s 5 Best Ski Resorts PAGE 4
TOP 5 SKI RESORTS TO CROSS OFF YOUR BUCKET LIST Experience Fresh Powder and Great Views
Mad River Glen, Vermont For an authentic, deep-mountain experience, Mad River Glen is considered the best skiing mountain in the East. One of the best features of the resort is that it has single-chair chairlifts — and no snowboarders! The runs are long and the sights are gorgeous while providing an amazing ski run, throwback style! Aspen, Colorado Aspen just had to make this list! This incredibly popular ski resort has four different mountains, providing a wide range of terrains for all different skill levels. The ski resort town is fun, developed, and exciting as well. Deer Valley Resort, Utah A ski-only resort, Deer Valley is a quaint ski town with legendary customer service and unbelievable Utah powder. It should be noted that the chairlifts are speedy and efficient, and the trails are well- groomed. Lift lines are nonexistent, making for an exclusive and remote experience!
Temperatures are dropping and snow is falling in some parts of the country, so it’s time for some winter fun! Whether you ski, snowboard, or just enjoy the snow, here are some of the best ski resorts to check out this ski season! Steamboat Springs, Colorado A little less glitzy than some of the other popular ski resorts and towns in Colorado, Steamboat Springs is extremely family-friendly with a Western vibe. Because Steamboat is tucked away in the northwest corner of Colorado, the area catches snow from both Utah and Wyoming, which means you can expect some of the best skiing powder. Whitefish Mountain Resort, Montana While Whitefish Mountain Resort was originally a sleepy, quiet, and remote ski resort, it has gained popularity over the past few years, but it still remains an under-the-radar ski destination with friendly locals and smaller crowds. For beautiful, lush Montana views and no ski lift lines, Whitefish is a must!
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