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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
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September 2023
LIFE AFTER THE MOUNTAIN
19 ascents, 1.1 miles each time, for a total of 20.9 miles — this is what the mountain asked of me to reach the height of Everest, and I answered. Snow King Mountain in Jackson Hole, WY, is in the books — I did it, and I plan to continue to participate in these life-changing endeavors as long as I am physically able, because if I didn’t, I’d be moving backward. To me, this is a surefire way to continue growing forward. Every year, I will advance to reach new heights, literally and figuratively speaking — I’ll never stop climbing. The life lessons I learn each year before, during, and after my “29029” climbs are immeasurable. They always help me to face and overcome other challenges, other obstacles. To date, since 2019, this climb was the most demanding hike I’ve set out on. With each ascent, there was a descent down the gondola; and from there, I had the decision to go right or left. Right took me back up the mountain for another round, and to the left was the ever-so-tempting camp. Every time I came down from the gondola, I felt motivated and determined — except for the third go-around. I felt a giant shift. Ascent #3 called upon everything that I had in me. It was here that doubt began to settle in, but I knew there was no room for quitting. I had to press on. I adjusted my mindset, just like my coach had mentored me to do, and I turned right — back up the mountain, although turning left and heading to the camp felt comforting and inviting. When I crossed the finish line after completing 20.9 miles, the accomplishment I felt was phenomenal — it was liberating, joyous, exhausting, and thrilling. It was transformative. It was so much more than just the challenge of completing the hike. It reminded me that life is always filled with challenges, and I now have the confidence to face and defeat them — even challenges undefined.
Life throws us curveballs when we least expect them; and, now, even those don’t scare or intimidate me. This hike has helped me not only in my own life, but in how I view the lives of my clients in the Wolf Retirement Navigation family. Together, we will meet every challenge — expected or unexpected — head on and find solutions to overcome them. My 2023 “29029” challenge called upon me mentally, spiritually, and physically — this formed the framework to face the climb. I worked with a seasoned professional coach recommended and provided for by the Everest Challenge, itself, and the training was superb, the preparation was stellar. The experience reminded me that I, too, love wearing my coaching hat when helping our clients prepare for and reach their goals, their own summits. Both our coaching livelihoods are parallel in so many aspects: passion for our chosen fields, thorough preparation, and structured implementation of the plan. I will never stop climbing. In this community, our family at Wolf Retirement Navigation, and in life, I will always press on. Have you found your “mountain” yet? Maybe it’s the goal of retiring early. Possibly you’d like to pick up and relocate and say goodbye to winters forever? Do you hope to set out on the adventure of your dreams? Whatever your “Everest” may be, I am here to help you obtain it. Together, we will tackle it. Never stop climbing.
-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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MAXIMIZE YOUR GOLDEN YEARS: Understand the 4 Phases of Retirement
In the years leading up to your golden years, you’ll receive plenty of financial advice on preparing for retirement. You want to ensure you have enough money to last the duration of your retirement and maybe still have something left in your estate. This is incredibly important, but there’s more to retirement than simply saving your money and waiting. Author and speaker Dr. Riley Moynes has contemplated the psychological challenges that retirees face and determined that there are four distinct phases of retirement. Understanding these phases and preparing for their challenges will help you maximize your retirement. Vacation This phase is exactly what it sounds like. You’ll feel like you’re on vacation 24/7. You wake up when you want, sleep when you want, and do whatever your heart desires throughout each day. We’re free from responsibilities and can enjoy
identity, many of the relationships we’ve built, a sense of purpose, and for some, a feeling of power. This is also the stage where retirees can face divorce, depression, and physical and mental decline. It can be traumatic when you don’t see these losses coming, but this phase doesn’t last forever. Trial and Error This phase is all about trying to make your life more meaningful.
Often, the best path forward is to invest more time into your favorite activities. Be warned that many of these activities will have lost their luster, causing you to experience some trial and error. Don’t give up! Something will click to give you purpose, propelling you into phase four. Reinvent Not everyone will make it to this stage. To get here, you must ask yourself, “What’s my mission in retirement?” Maybe you want to serve others by volunteering with a charity, or perhaps you simply want to improve your golf game. Finding that purpose and reinventing
each moment as it comes, but many people grow bored of this stage after the first year of retirement. We begin to miss our routine and question if there’s anything more to retirement. Loss This second stage begins when we start to feel like we’ve lost who we are. We lose our routine, our Upcoming Coach’s Corner Webinars!
yourself around it will bring you more happiness during your golden years.
Our live monthly Coach’s Corner Webinars are just around the corner, so be sure to add these dates to your calendar! Everyone is invited to attend. Sept. 26, 2023, at 5:30 p.m. – Matt Harrod, Estate Planning Attorney Topic: Estate Planning Updates and Financial Protection for Unmarried Couples
Oct. 24, 2023, at 5:30 p.m. – Sheriff Michelle Cook, Clay County, Florida Topic: Protect Yourself and Your Home From Fraud Nov. 28, 2023, at 5:30 p.m. – Brandon White of Coyle Capital Topic: Economic, Portfolio, and Market Updates
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From Personal Goals to Lifelong Bonds An Unexpected Connection
It’s amazing just how much others can shape us. Last year, I set out on my 2022 “29029” hike at Snowbasin Resort in Utah, 33 miles northeast of Salt Lake City, on the back side of the scenic Wasatch Range. I had a goal — I wanted to complete the ascents in under 30 hours, but my plans changed in the blink of an eye when I met a like- minded individual who turned into a lifelong friend. This gentleman and fellow participant is a financial advisor, physically fit, and played baseball in college (I played football in school) — naturally, we hit it off as we exerted ourselves and climbed, climbed, and climbed some more. Over the course of the hike, his tank began to run low on faith and gasoline, and he turned to
game when assisting others to succeed in reaching their goals, whether it be other climbers or my family of clients. I showed
him how to pace himself, maintain
positivity, and avoid comparing himself to others. The beauty
of this experience is that it wasn’t long before I realized that I wasn’t just helping him — he was helping me. When you help others, others help you in return. It forms a lifelong bond. While my 2023 “29029” hike is already in the books, I’m excited to follow my friend as he attempts his 2023 “Everest Challenge” this month, September, at Whistler Mountain in Canada. It’ll be fun to share notes and talk about his life after the mountain. Here’s to many more “29029” challenges and bonds! -Adam Wolf, CPA, CFP ®
me for help. Immediately, my focus changed. I was no longer concentrating on reaching my personal goal that I had set for this mountain. This became about helping others. I now realize that the mountain brought out the best in me. I am at the top of my
Take a
Break!
Spiced Pecan Pie Bars
These spiced bars are a fresh twist on an old classic to ring in the fall season!
INGREDIENTS
DIRECTIONS
Crust •
1. Preheat oven to 350 F. Use baking spray to grease a 13x9-inch pan before lining with parchment paper. 2. In a food processor, blend crust ingredients until a crumble forms. Press mixture into pan. Bake until light golden brown, about 20 minutes (crust will have cracks).
3 cups all-purpose flour
• • •
1 cup cold unsalted butter, cubed
3/4 cup powdered sugar
1 tsp salt
Filling •
4 eggs
• • • • • • • • •
1 cup corn syrup
2/3 cup packed light brown sugar
3. In a bowl, whisk all filling
1/2 cup honey
ingredients (except pecans) together until smooth. Stir in pecans and pour over crust. Bake until set, around 30 minutes, then let cool completely in pan.
1/4 cup all-purpose flour 1/4 cup melted butter 1 tsp ground cinnamon
1/2 tsp salt
Solution on Page 4
1/2 tsp ground ginger 3 cups chopped pecans
Inspired by SouthernLiving.com
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904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
My 2023 ‘29029 Challenge’ is in the Books! PAGE 1 Maximize Your Golden Years PAGE 2 Coach’s Corner Webinar Info PAGE 2 ‘29029’ Comes Full Circle PAGE 3
Spiced Pecan Pie Bars PAGE 3
Simple, Affordable DIY Projects You’ll Love PAGE 4
GET YOUR HOME FALL-READY Simple, Affordable DIY Projects You’ll Love
Repurpose your pumpkins. Small gourds are incredibly versatile. Just sprinkling a few around your dining room table or mantle makes it feel like fall. But you can quickly elevate them using metallic paint to add cute designs, phrases, or names. Another option is to wrap seasonal fabric around them like a pouch, gathered at the stem. If you feel more ambitious, you can also use pumpkins to make succulent planters. Cut a crater in the top of the pumpkin, pop in the succulent and soil, and press the dirt until snug. Light up the night. The soft glow of a lantern or candle is the perfect way to get the cozy vibes started. Instead of succulents in the top of your pumpkin, you can set wax and a candle wick to create something unique. If you’re bored with pumpkins, try the same with acorn caps. An even simpler idea involves
glazing real or fabric leaves on the outside of mason jars with craft glue. Then add decorative stones and a wax or battery- operated tealight for a seasonal twinkle. Decorate your door. Wreaths are a DIY staple for several reasons. They’re easy for beginners to make and can set the tone for your home by offering visitors an autumnal focal point. You can buy a variety of starter wreaths at the craft store, so find one that suits your taste. Then pick up other supplies like leaves, pine cones, dried corn, and ribbon. Now you’re ready to hot glue to your heart’s content and create something distinctive. If you need further ideas, look closer the next time you shop. Many of the fun fall items for sale aren’t very difficult to make yourself with a few minor adjustments and a little creativity.
Housewares stores are currently full of cute autumn decor, but the cost of refreshing your house’s look each season adds up quickly. Fortunately, you can do a lot for less. Many DIY crafts are not as complicated as you might think. In addition to saving money, you’ll create personalized charm none of your neighbors can match.
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