Check out our March newsletter!
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
As seen on:
March 2022
Together, Let’s Celebrate Your Retirement BUILDING SMARTER PLANS AND LIFELONG PARTNERSHIPS
I’d like to take a moment to draw your attention to the top right-hand corner of the newsletter. Our motto, “Building smarter plans and lifelong partnerships,” holds so much meaning and value to me. Over the years, clients have come to me from various platforms, cities, and backgrounds, and for many different reasons. Some have had prior experience with other advisors and wanted a second opinion, and, together, we built a smarter plan. By “smarter,” I mean that once a retirement plan is created, it’s not the final version. Instead, it adapts and becomes “smarter” along the way because life throws us curveballs. Our world, values, goals, ambitions, and
planning, long-term care costs, savings and income stream sources, Social Security strategies, and estate planning. Speaking of estate planning, I am always delighted when clients refer a friend or family member to me, trusting that I am able to help with their individual and unique situations. Your family is our family, and no matter where they live or where they are with regards to retirement, I am more than happy to help in any way possible. My goal is to help you thoroughly enjoy your retirement years; and, by building lifelong partnerships with you and your family, I have the honor and privilege of watching that come to fruition. Keep in mind that when I talk about lifelong
especially the market are ever-changing. “Smarter” also means continuing to learn from one another and sharing our newly discovered knowledge. In the past we held quarterly workshops, and I’m happy to announce that we now plan to host educational workshops approximately 10 times every year, along with
partnerships, I believe everything begins with a question, and those questions never stop. That’s why, at Wolf Retirement Navigation, we have an open-door policy. We are very accessible to our clients, and that includes your family members too. I’m happy to go above and beyond to accommodate anyone that you are close to, no matter where they live — lifelong partnerships don’t stop in Jacksonville! Online virtual meetings are an excellent way to begin to introduce ourselves to those who live outside the Northeast Florida area.
maintaining our frequent TV and radio appearances, weekly e-mail messages, monthly webinars and newsletters, social media presence, and our amazing social events. So many varied venues to learn and share, and so many wonderful opportunities to connect with others and create lasting friendships.
I’m here to help you and your family to celebrate retirement. I want you to feel confident in and proud of everything that has led up to, and comes along with, your golden years. It all starts with a conversation; and, from there, the talking and communication never stops. Together, we forge a valuable lifelong partnership and, as all families do, embrace all that life throws our way!
I’ve found that clients enjoy and hold much value in our interactive workshops. It’s the perfect time for clients to introduce friends, family members, neighbors, and co-workers to me in a relaxed learning environment where questions are encouraged. I love the sharing of knowledge while clients and attendees discuss real-time experiences, which are some of the best learning tools around. Some current topics we have covered include tax efficiency, pro-active financial
-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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JENNIFER ANISTON: STILL A FASHION ICON
The Classics Are Her Go-To
are, pair your tops with a pullover to keep you warm. These pieces tend to be solid colors and more on the neutral or darker side.
Bottoms When it comes to jeans and pants, Aniston loves to wear bootcut or boyfriend jeans. Her signature look also includes cargo pants. You can wear olive green because it’s a neutral shade that likely works well with most of the clothing in your closet. You can also wear black or dark gray pants to match Aniston’s style. These colors are easily paired with any outfit. Accessories A wide-brimmed, black felt hat or a fedora is Aniston’s favorite. A black crossbody bag or a clutch would work perfectly with any outfit as a purse. She can be seen mainly wearing gold accents for jewelry to complement her skin tone. You can re-create this look by wearing a watch, necklaces, bracelets, rings, and sunglasses in your best accessory tone. If you need help knowing what that is for you, experiment with colors. See if silver, bronze, or rose gold best suits your complexion. Aniston also loves to layer her jewelry with her outfits to give her style more dimension.
Ever since her debut in “Friends” as Rachel, Jennifer Aniston has been a fashion icon. So, how does she stay up to date on the trends and transform them to fit her look? Let’s see how Jennifer Aniston creates her style, and how you can use these tips to spice up your own style. To re-create Aniston’s signature style, it’s important to note that her main style statement is simplicity . She appears to be on-trend and chic without trying to be or overdoing it. This makes her look and feel natural and effortless. Tops Aniston keeps her tops simple. She likes to style basic white tees, denim, stripes, and button-down shirts. Wearing sweaters, cardigans, or jackets is also one of her go-to strategies. If it’s chillier where you
Introducing Our Employee Spotlights Last month, we were thrilled to feature Marshall Klob in our client spotlight. He was kind enough to share with us a rekindled hobby that has given him great pleasure and satisfaction during his retirement years. Each month, we are excited to spotlight one of our fabulous clients sharing helpful tips, slices of life, happy memories, hobbies that they enjoy or recipes and restaurants they love! Do you have any favorite charities or organizations? Are you planning a trip, or do you have an exciting destination to share? We’d love to see some pictures too! Have you watched a great movie that had you thinking about it days later and want to share your thoughts with all of us? Do you have a funny story to share or jokes that are good for a belly laugh? Whatever it is, we want to hear it; and, better yet, we want to share it with other Wolf Retirement Navigation clients too! Email us your stories and ideas, and we will set up a time to chat with you about your spotlight! Leave the actual story writing to us. Or simply give us a call today at 904-232-8760 to schedule a chat time. Just imagine seeing your name in lights … spotlights, that is! Stick to the timeless basics when getting outfit inspiration from Jennifer Aniston — the classics are always fashionable. But no matter what you decide to wear, know what suits you and makes you feel comfortable, confident, and beautiful — this is what Aniston does on a daily basis. IT’S ALL ABOUT YOU!
Email : robin@wolfretirement.com
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
SATURDAY SEMINAR WORKSHOP FOR MARCH
LET’S DISCUSS TAXES IN RETIREMENT
Saturdays are for learning too! For those who find it difficult to attend our workshops during the week, we are happy to announce our newest one-day workshop. On Saturday, March 19, 2022, from 10:00 a.m. to 12:00 p.m., Wolf Retirement Navigation will be hosting an information-packed workshop seminar at the Adam Herbert University Center at University of North Florida (UNF). This engaging and important workshop will center around taxes in retirement and ways to reduce or even eliminate them! At this complimentary event, you will: • Learn how to avoid the mistake that potentially causes up to 85% of Social Security benefits to be taxed (and how to bring it to zero).
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Discover strategies that will help to reduce taxable income and maintain your Social Security benefits. Learn about the built-in tax hike that impacts all divorced or widowed spouses and how it affects Social Security benefits. Understand how taking income from different savings sources can change how much tax is paid on Social Security sources.
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• and so much more! As always, we invite you, our clients and friends, to attend our one-day course! Remember, we always encourage you to bring a guest! Please call us at 904-232-8760 to register for this event. Adam Herbert University Center at UNF, 12000 Alumni Drive, Jacksonville, FL 32224
Take a Break!
EASY MARCH MADNESS CHILI
Inspired by MyRecipes.com
INGREDIENTS
• 2 lbs ground beef • 2 tbsp chili powder • 1 tbsp Creole seasoning • 1 tsp ground cumin
• 2 16-oz cans diced tomatoes • 2 16-oz cans small red beans • 2 8-oz cans tomato sauce
DIRECTIONS
1. In a deep pot, brown the beef, stirring often. 2. Once beef is cooked, add chili powder, Creole seasoning, and cumin, cooking for 1 minute. 3. Stir in diced tomatoes, beans, and tomato sauce and bring the mixture to a boil. 4. After the mixture boils, reduce the heat to low and let chili simmer for 15 minutes. 5. Serve with toppings of choice, like cheese, sour cream, or chives.
Solution on Page 4
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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 Celebrating Retirement PAGE 1
Take Inspiration From Jennifer Aniston’s Style! PAGE 2
All About You! PAGE 2
Saturday Seminar Workshop for March PAGE 3
Easy March Madness Chili PAGE 3
Packing Tips to Save Your Back, Wallet, and Sanity PAGE 4
LEAVING ON A JET PLANE? 3 ESSENTIAL PACKING TIPS
the suitcase, check it off. Writing everything down creates a system to prevent leaving anything behind. And when it’s all on paper, you’re more likely to notice that you probably don’t need that many pairs of sandals. Use your personal item for extra storage. Airlines generally allow travelers one carry-on bag and one personal item. The dimensions allowed vary by airline, but the general rule of thumb is that the personal item needs to fit under the seat in front of you. Don’t bring a small purse or a laptop bag when you can take a large tote or backpack. With the extra room, you can avoid checking another bag. Never check essential items. Lost luggage is the worst way to start a vacation, but it happens. If your luggage is misplaced, you probably won’t get it back that same day. So, you need to pack all essential items, like prescription medications or glasses, in your carry-on bag. Some experts even recommend tossing an extra shirt or pair of underwear in your carry-on in case your bag gets lost. You’ll be glad to have them if something goes awry. Packing smart will make for a less stressful journey. You can kick back, relax, and enjoy the trip knowing that everything you need is right there in your suitcase, and everything you don’t need is safe at home.
Many people are considering traveling this spring for the first time since the pandemic started. A lot has changed since 2020, but packing for vacation remains a hassle, and baggage fees haven’t gone anywhere. Here are some essential tips to keep your load as light as possible — physically and mentally. Make a list. It’s just as easy to forget things as it is to overpack. Solve both problems at once by creating a packing list in advance. Consider in detail what you’ll need, and put it in writing. As each item gets added to
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