RET IREMENT NAV IGAT ION
4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
4711 US Highway 17, Suite C-5 Fleming Island, FL 32003
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Why I’m Here and What I Do
A new year brings new life and energy! I turned 42 years young last month. 2019 was a difficult year for me personally. With the difficulty now behind me I am energized and excited for 2020 for many reasons, including focusing on my purpose — why God put me on Earth. All my life, my job has been to protect folks, I just never put protecting people and my purpose together. That’s my purpose and my passion. When I was a kid playing football, I was on the offensive line, protecting the quarterback or the running back. Even when I was off the field, I was there for my friends when they needed someone to talk to or got into trouble. I chose retirement planning because I recognized this was a career where I could keep protecting people. Not having enough money is a scary thought, and the idea of running out of money in retirement can keep people up at night. An uncertain stock market, the possibility of another recession, increased taxes, and health care costs all contribute to this fear. As a retirement planner, it’s my responsibility to look at these risks, build plans that answer my clients’ needs, and help people enjoy their retirement without fear. Six years ago, I started Wolf Retirement Navigation so I could make sure my clients received the highest level of care. Running my own business meant I didn’t have to 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
things you’re actually good at. That’s why I prefer option two: surround myself with the right people to accomplish whatever needs to get done while I concentrate on what I am best at — building smarter retirement plans to protect clients leading up to and through retirement. your skill set, especially if you’re running a business. Great leaders aren’t the folks who can do everything themselves; they’re the ones who can bring together the best people to get the job done. This year, I’m putting a big focus on getting WRN running at its highest level, which means you’ll see some changes around our offices that will benefit clients. to see more of her in review and service responsibilities. She is also in the process of receiving her Certified Financial Planner designation, the premier financial planning designation in our industry. We’ll also be bringing on more team members on the service side to better meet the needs of our clients. Those new faces will be introduced as we move forward. Additionally, I’ll strive to be less in control of everything, and I will assume more of a leadership role, utilizing It’s always a prudent idea to surround yourself with people who complement These changes will include advancing Eileen Ybanez to an advisor role, so you can expect 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. Continued on Page 3 ...
I chose retirement planning because I recognized this was a career where I could keep protecting people.” “
take orders from someone else about how my clients should be treated. However, in my line of work, while you might be great at building plans and meeting with clients, that doesn’t mean you’ll be great at running a business. I believe I’ve done a pretty good job so far, but I know I can do even better because there is always room for improvement. That’s why I am focused to improve the business to better suit our clients, team members, and my life. Focusing includes continuing to attend business and leadership conferences, such as the ones I attended at the end of last year, in order to improve many aspects of Wolf Retirement Navigation. When you realize you’re not great at something that needs to get done, you have two options. First, you could become a novice yourself, learning just enough to get by. A lot of people turn to this option, but taking this path will almost always keep you from dedicating your full energy towards the 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.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
www.wolfretirement.com | 1wolfretirement.com
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