Wolf Retirement Navigation December 2018

904-232-8760 www.wolfretirement.com MONTHLY RET IREMENT NAV IGAT ION

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December 2018

Still Going Strong

How We Face Changes and Plan for Tomorrow

How is it that this year turned out to be crazier than 2017? This time last year, we were all wondering how the final version of the new tax bill was going to look. I never would have guessed that it was only the beginning of the roller coaster. A great deal of economic, financial, political, and geopolitical change has taken place recently. We just went through a wild midterm election, and that’s only the tip of the iceberg! There are still big changes happening right now, and changes will likely continue well into the foreseeable future. It can be overwhelming to try and keep up with it all. How can you plan for the future when the present is so unpredictable? This is what a lot of our clients have been asking me. They want to do the smart thing and build a strong retirement plan, but they don’t know how all these changes will affect them. It’s a good thing it’s my job as their financial planner and fiduciary to figure all that out. My job, as always, is to stay on top of all these changes and keep my proverbial “ear to the ground” so I can continue to help clients successfully plan for their future years. It is my sole mission in life to keep my clients protected from financial risk. Outliving your savings, market- loss risk, increasing tax rates, inflation, and excessive fees are all real threats Investment Advisory Services offered through Retirement Wealth Advisors (RWA), a Registered Investment Advisor. Wolf Retirement Navigation LLC and RWA 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

to one’s retirement, and they’re serious components of a retirement plan that can adversely affect the goals set forth in the initial plan. It’s important to be prepared whenever possible. Fortunately, I have many years’ worth of knowledge and a lot of experience in that area. Our team’s goal is to tailor a successful retirement plan for you that offers guidance along life’s journey and the flexibility to adapt to potential changes along the way — empowering you to live the lifestyle you desire and leave the legacy you envision. We will be celebrating our five-year anniversary in January 2019. During that time, I have helped a lot of clients start planning for retirement, and I have guided many others safely into the retirement they have always dreamed of enjoying. Seeing my clients able to rest easily because their futures are secure is a source of great joy and accomplishment in my professional life. I want to take the time now to thank all the clients who are with us today, especially those who have been with us since the beginning. Thank you for your support, your business, and your friendship. I love being a financial planner — your financial planner — and I couldn’t do this without you . 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. Through the ups and downs of the day to day, it can be tempting to lose hope,

but I urge you to stay positive as we finish 2018 and start the new year. While there are many things that are out of our control, we get to decide how we react to life. We can hope for the best, plan for the worst, and cherish each moment we have on this earth. Let’s enjoy the holiday season with our loved ones. That way, no matter what changes the future may bring, we can remember those we love with memories we have created, and we know we’re not alone. We can face any challenges together. There are some great things happening in 2019, so keep an eye out for a big announcement in future newsletters. Until then, I hope you have a very merry Christmas, the happiest of holidays, and a great New Year’s!

–Adam Wolf, CPA, CFP ®

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.

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