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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 2025
GRATITUDE FOR THE UNEXPECTED UNINVITED GUESTS
Retirement planning is a lot like hosting Thanksgiving dinner. You prep. You plan. You polish the silver. And then … life shows up with a casserole of chaos. You think you’ve accounted for every detail until the oven decides to rebel, your cousin brings a surprise plus-one (who’s gluten-free, dairy-
But here’s the thing: Just like Thanksgiving, retirement isn’t about perfection. It’s about presence. It’s about rolling with the gravy boats and embracing the unexpected guests, whether they’re market fluctuations or someone who insists on eating cross-legged on the floor to “stay grounded.” In both retirement and holiday hosting, stress is often the side dish we didn’t order. It arrives unannounced, sits
next to the stuffing, and insists on being noticed. But, sometimes, it’s precisely what we need to grow. To adapt. To laugh so hard we snort pumpkin pie through our noses. Because every burnt pie teaches us resilience, every surprise guest reminds us we’re not alone, and every financial upheaval invites us to revisit our strategy with fresh eyes and maybe a splash of spiked cider. So, this November, let’s give thanks for the uninvited guests. Those who mess up our plans and
free, and allergic to joy), and the dog eats half the pecan pie. Welcome to the season of surprises. And yet … somehow, it’s perfect. As we gather around tables and timelines this month, I invite you to consider the beauty of the unexpected. In retirement, just like in holiday hosting, stress often arrives unannounced. Market dips, health hiccups, shifting family dynamics — these are the “burnt pies” of our financial feast. But here’s the twist: Sometimes, those “uninvited guests” bring the richest blessings.
actually become a special part of our memories. The ones who challenge our assumptions and deepen our gratitude. The ones who remind us that retirement, like Thanksgiving, is best served with flexibility, humor, and a heaping helping of heart. Happy Thanksgiving from all of us to all of you, and may the holiday embrace you with love, laughter, and memorable moments … even if they are the ones we didn’t plan for!
A last-minute change in plans might lead to a new tradition. A financial curveball might spark a deeper conversation with us here at Wolf Retirement. A moment of uncertainty might reveal your resilience, adaptability, and grace under pressure. In both retirement and real life, stress is often a sign that something meaningful is happening. It’s the body’s RSVP to change. And when we greet it with curiosity instead of control, we open the door to growth.
-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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THE SECOND ACT YOU DESERVE Creating a Life You Love in Your 50s and Beyond
Who says the best years of your life have a curfew? Midlife isn’t about winding down; this exciting second act is an opportunity to blossom, find new joys, and explore your dreams. If you’re at a standstill or having trouble envisioning the future, small changes and mindset shifts can help you rediscover yourself and find happiness in this part of your journey. From focusing on your health to setting new goals, here are a few ways to make the most of middle age and enjoy the ride.
According to the American Heart Association, you should also be physically active, exercising at least 150 minutes a week or 30 minutes a day. Daily walks are a simple, low-impact way to get in shape and can be a relaxing way to start or end your day. Sleep is even more critical as we age, so create a healthy bedtime routine. Celebrate who you are. This new chapter of your story can be one of the happiest times to celebrate who you are. Appreciate the little things in your life, whether it’s family or watching the sunrise every morning. Gratitude can help you remember everything you have, even when you feel down or not at your best. You can keep a gratitude journal or take a few minutes daily to think about three things you’re thankful for. You get to determine your happiness, so this is a great time to identify ineffective routines or
Cultivate a healthier you. It’s never too late to focus on your health. If it hasn’t been part of your
routine in the past, you can start small with manageable exercises and easy diet changes. Ensure your meals contain whole foods, like
counter-productive patterns over the years and try something different. Establish new habits that put your well-being at the forefront. Don’t compare yourself to the younger you or other people around you. As we age, it’s normal for our bodies to change. Have confidence in your skin now and remember that you are still evolving. This is your beautiful and bold reinvention.
fresh fruits, vegetables, lean meat, and plenty of water. Fitness journals and apps can help you log what you eat and even provide recommendations.
Make Christmas Brighter for Local Kids
JOIN THE JAXPAL TOY DRIVE!
The holidays are a season of joy, generosity, and community, and this year, you can help make Christmas brighter for local kids by supporting our Annual JaxPAL Christmas Toy Drive! Starting Monday, December 1st, 2025, we’ll be collecting new, unwrapped toys for children right here in our two office locations. Hundreds of families rely on the Jacksonville Police Athletic League (JaxPAL) to help make the holidays magical for the kids who look forward to this special time of year. Your donations bring countless smiles, laughter, and hope to kids who might otherwise go without. And every donation, big or small, helps us ensure no child is left out of the wonderment of the season. Whether you grab a “wish tag” off our Christmas tree, drop off a new, unwrapped toy, or make a financial contribution, you’re giving more than a present. You’re giving glimmers of hope, joyfulness, and a spirited reminder that this community cares. Let’s fill those toy boxes, spread some cheer, and make this Christmas unforgettable one toy, one smile, and one act of kindness at a time! Give us a call at (904) 232-8760 for more information!
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Take a BREAK!
Apple-Cranberry Salad
Cheers to Generosity WRN’s Fundraiser for JaxPAL Exceeds Expectations Our annual post-“29029” hike fundraiser supporting JaxPAL has come to a close, and we would like to extend our sincerest gratitude to everyone for the generous donations, kind words of support, and encouragement. Your donations totaling $6,334, plus our WRN corporate contribution, will be used for capital improvements to the Westside location. We would like to extend a massive “thank you” to all who attended our party at Wicked Barley Brewery. Our bake sale was a huge success, and we sold out! Our raffle baskets were also a giant hit! Thank you to Harleigh Prausa for her amazing baking skills and goodies, and thank you to Lindsey Edenfield of Cinnamon and Crust Bakery for donating her delicious treats to our raffle. Be sure to check out her cottage company “Cinnamon and Crust” on Facebook or Instagram.
INGREDIENTS • 6 slices of bacon • 1/3 cup balsamic vinaigrette
• 1/3 cup olive oil • 2 tbsp raw honey • 8 oz fresh baby spinach, rinsed and dried • 3/4 cup dried cranberries • 1 Honeycrisp apple, peeled and thinly sliced • 1/4 red onion, thinly sliced • 1/2 cup feta cheese
DIRECTIONS
1. In a large skillet, cook bacon until crispy. Remove it from the pan and set on a paper towel-lined plate to cool. 2. In a small bowl, whisk together balsamic vinaigrette, olive oil, and honey. Set aside. 3. In a large bowl, add spinach, cranberries, apple slices, red onion, and feta. Crumble bacon pieces over the top. Use salad forks to toss ingredients thoroughly. 4. Add dressing to the salad and toss again until well-coated.
Inspired by WanderlustAndWellness.org
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904-232-8760 wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Retirement, Like Thanksgiving, Isn’t About Perfection PAGE 1 The Midlife Mindset Reset PAGE 2 Be the Reason a Child Smiles This Christmas PAGE 2 Thank You for Making Our JaxPAL Fundraiser a Huge Success! PAGE 3 Apple-Cranberry Salad PAGE 3 Paradise Found PAGE 4
Bungalows and Bliss
TROPICAL ESCAPES TO SAVOR
Whether you’re looking to book a tropical trip this winter or want to live vicariously through descriptions of dream destinations, this article is for you! From overwater bungalows to swim-up bars, these resorts redefine relaxation in some of the world’s most glamorous getaways. A Spectacular South Asian Sojourn If you want to add flavor to your wintertime festivities with an international jaunt, the Maldives, just southwest of India, is home to some of the world’s most renowned resorts. Celebrated for its spacious rooms, private pools, and “floating breakfasts,” T he Ritz-Carlton Maldives, Fari Islands , boasts seven restaurants offering a vast array of global delicacies. Another Maldives mainstay, Soneva Fushi, offers some of the largest overwater villas in the world — perfect for viewing the area’s breathtakingly clear waters.
And if you’re a fan of exploring tropical travel via social media, you’ve likely caught an eyeful of Instagram favorite Soneva Jani. This Maldives destination provides guests plenty of playful options, ranging from a waterslide to a trip on one of the resort’s seaplanes. Of course, an extraordinary vacation doesn’t necessarily mean spending time in an expansive environment. Those looking to balance luxury with a low-key vibe should check out Gili Lankanfushi Maldives, a boutique resort that invites guests to lounge on a private water hammock as their worries wash away. Fresh Perks in French Polynesia Outdoor bungalows are also a big hit in Bora Bora. In addition to in-room pools, the Four Seasons Bora Bora resort offers guests a view of Mount Otemanu that all intrepid travelers should experience at
least once. Over at the Westin Bora Bora, vacationers can take in the locale’s modern aesthetics while sipping cocktails at its swim-up bar. If you plan to travel with a large group, the two-story Presidential Suites and overwater villas at the Conrad Bora Bora Nui are outstanding options. Not surprisingly, Bora Bora isn’t the only place to visit in French Polynesia. Although the Hilton Moorea Lagoon Resort and Spa tends to book up quickly due to its smaller size, it’s worth trying to get a room for this vacation spot’s famous snorkeling sites alone.
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