Wolf Retirement Navigation - November 2017

904-232-8760 www.wolfretirement.com MONTHLY November 2017 RET IREMENT NAV IGAT ION


It’s been an exciting and tough year for many of us. Every time you turn on the TV, it feels like there’s more negative news and sad stories. This year, perhaps more than any other, I’m grateful for Thanksgiving and the holiday season. Now is the time to step away from the negativity, to give thanks for what we have, and give back to those who are struggling. For three years, Wolf Retirement Navigation has been a proud lead sponsor of Tony’s Turkey Trot, a 5K charity event held on Thanksgiving morning every year in Atlantic Beach. This event is dedicated to raising money and awareness for people living with a traumatic brain injury. One accident can completely change a person’s life, and few people are prepared to deal with the emotional and financial burden that comes when a loved one suddenly needs constant medical care after a brain injury. Navigation has been a proud lead sponsor of Tony’s Turkey Trot, a 5K charity event held on Thanksgiving morning every year at Atlantic Beach. For three years, Wolf Retirement

giveaways, and free massages, Tony’s Turkey Trot will include a 1-mile Kids Fun Run for kids under the

This is a matter that is near and dear to my family’s heart. My wife’s sister Candace suffered from a traumatic brain injury for the last 13 years of her life after she was thrown from a horse and suffered a stoke. Prior to her injury, Candace was a professional horse trainer who showed horses and trained kids to ride and show horses. I never knew Candace before the accident, but I’ve heard many stories about her life from my wife Danielle and their mother. Candace was the kind of person who was always full of laughter and fun; she didn’t take life too seriously. Danielle had a close relationship with her sister, and I know how hard it was for her to see Candace hurting after her accident. Her brain injury left her with no long-term or short-term memories. She needed 24/7 care and had to live in a nursing home until she passed away in 2014. Participating in Tony’s Turkey Trot is our family’s way of honoring Candace and supporting the 210,000-plus Floridians who suffer from traumatic brain injuries every year. I’ll be at the race with Danielle and our daughter Isabella, along with team members, bright and early Thanksgiving morning. Tony’s Turkey Trot is the only race that starts and ends in our home city of Atlantic Beach, and you couldn’t ask for a better view. Last year, more than 1,000 participants got together to walk, run, or “waddle” along the 5K’s scenic course. This year, in addition to prizes,

age of 12, in which Isabella is excited to participate.

Getting up to run a 5K at 8

a.m. might not sound

like the ideal start to your Thanksgiving morning, but,

believe me, it’s a blast! My family has a great time getting

up early, heading out to the run, and coming home for a big Thanksgiving

dinner. Plus, we get to work off some of those calories we’re about to eat from all the pie, so that’s a plus. If you’d like to join us or want to know more about Tony’s Turkey Trot, you can register for the race through November 23, 2017 at tonysturkeytrot.com. Also reach out to Robin at the office if you would like to make a donation in lieu of running. This is a really great opportunity to give back and help people in the community, and isn’t that what Thanksgiving is all about? –Adam Wolf, CPA, CFP

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The Life-Giving Benefits of Saunas

trouble dealing with the heat of a typical sauna (average sauna temperatures are kept around 212 degrees F), this latest trend is for you. The average temperature of an infrared sauna is 150 degrees F, making it a more tolerable experience. One New York studio touts infrared’s ability to stimulate collagen production, an added anti-aging benefit. Need another bonus? Infrared saunas are said to release up to 20 percent more toxins from the body than traditional saunas. Whichever type of sauna you decide to visit, the potential health benefits speak for themselves. If you don’t get to escape to Miami or Cancun this winter (and even if you do), it’s a relaxing way to warm up and ease winter ailments. Treat your body and yourself to a sauna experience!

relief, and cardiovascular health. Traditional saunas use heat to get your blood flowing and promote circulation, and the sweating that goes on during a sauna experience is said to purge toxins from your body. It’s a rejuvenating ritual that releases stress along with endorphins. Now, the health journal Age and Ageing has found evidence linking sauna use to a lowered risk for Alzheimer’s disease and dementia. Men aged 42–60 who participated in frequent sauna bathing sessions were found to have lowered rates of dementia and Alzheimer’s. If feeling good and warming you up weren’t enough, a healthy mind is a great reason to sauna. And while the simplicity of the traditional sauna is part of what makes it great, some facilities have added a modern twist: infrared rays. Infrared saunas, already hot in New York City and Los Angeles, are starting to pop up everywhere. If you have

Colder weather is hard on our bodies for many reasons. The air dries and cracks our skin, freezing

temperatures cause old injuries to flare up and joints to ache, and the

conditions make it just plain hard to exercise.

What’s a fair- weather bird to do? Head to the sauna! Sauna use has been popular in Finland for thousands

of years, and there are compelling reasons why. Not only

are there many bodily benefits, but science is telling us it may also protect the mind. We’ve known for a long time that sauna can help with blood circulation, stress

Thank You!

Tune in every Sunday for the “Sunday


Morning Money Report” on CBS 47 at 9:05 a.m. for financial news and retirement tips in just 2 minutes.

Tune in every Monday from 11:00 a.m. to noon for “4 Your Money” on River City Live on Channel 4, The Local Station. Re-airs Mondays at noon on Channel 17, WCWJ “The CW,” and again on Tuesdays at 7:00 a.m. on “The CW.” Tune in to NBC 12 for Jacksonville’s Retirement Coach, Adam Wolf, on First Coast Living, from 11:00 a.m. to noon and again from 2–3 p.m.

Every day, we’re grateful to our clients who continue to trust us as we help them navigate the road to financial security. It means a lot when you introduce your friends and family to us so we can help them too!

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Half of All Retirees Can’t Maintain Their Lifestyle

retirement plans. In order to compensate for the hit they took during the Great Recession, many people had to quickly save more money or delay their retirement. As for those who were able to retire as planned, many took on another job in retirement, not because they were interested in the work, but because they needed to supplement their income or risk running out of money. If you’re hoping to retire on time and maintain your standard of living during retirement, financial planners advise you to save as much as possible and live within your means. This is sound advice, but there is one more strategy you need to keep in mind if you hope to achieve a successful retirement: Have a written retirement plan in place to get you to and through retirement successfully, taking risk, growth, fees, taxes, and Social Security into account to reach your unique goals. Retirement is not a sprint; it’s a marathon. You need to plan for every mile. This is where Wolf Retirement Navigation can help. Whether you’re planning by yourself or you already have a financial planner and would like a second opinion, having an expert retirement planner on your team can only help. Learn when to turn on Social Security, how to save on taxes now and in the future, what level of risk you need in your portfolio, and how to pay as little fees as possible. These strategies will help you increase your income and enjoy your dream retirement. WILL YOU BE ONE OF THEM?

Have you saved enough money to maintain your standard of living throughout retirement? According to the Center for Retirement Research at Boston College, many have not. Recent research found 52 percent of American households won’t be able to enjoy their current lifestyle in retirement. Many will run out of money or have to take less and less income during retirement, decreasing their quality of living.

Why have so many folks ended up here? To start, the market crash of 2008 set back a lot of baby boomers in their


Looking for an easy, delicious Thanksgiving side dish? This gem requires only a few ingredients.

Grid n°2147466208 easy

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• 2 tablespoons olive oil • 3.3 ounces fresh hot Italian sausage • 1½ pounds Brussels sprouts • ½ cup water • Salt and pepper •

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5 4 3


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1. Trim sprouts and cut in half. 2. Heat oil in a large skillet over medium heat. Add sausage and cook, stirring occasionally, 3–5 minutes. 3. Add sprouts to skillet. Add ½ cup water. Add salt and pepper. Cover and cook 10 minutes or until just tender. Check them periodically and add a bit more water, if necessary. 4. When sprouts are just about done, remove cover and raise heat to medium-high. Cook, stirring just once or twice, for a couple more minutes. The liquid should evaporate and the sprouts should start to brown. 5. Add more salt and pepper to taste. Serve hot or warm. Serves 4.

9 8 3 4

4 1

We have all the free sudokus you need! 400 new sudokus every week. Make your own free printable sudoku at www.PrintMySudoku.com


Recipe courtesy of CookingLight.com.

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904-232-3760 www.wolfretirement.com 4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224


• How Do You Spend Thanksgiving Morning? PAGE 1 • How Saunas Will Change Your Winter Health PAGE 2

• Thank You! PAGE 2

• Will Your Lifestyle Decrease in Retirement? PAGE 3

• Brussels Sprouts With Sausage PAGE 3

• Thanksgiving at America’s Resort PAGE 4

Thanksgiving at America’s Resort Carve Your Turkey at The Greenbrier

Tips forYourTripBack inTime

they have stepped back in time, while still offering all the modern amenities. Mom and Grandma relax in the spa, Grandpa enjoys a

This Thanksgiving, many Americans plan to go over the river and through the woods to sleep on the air mattress at grandmother’s house. But your family Thanksgiving doesn’t have to be crowded and uncomfortable. For generations, The Greenbrier Resort in White Sulphur Springs, West Virginia, has brought families together for a weekend of true American elegance. The local hot springs have been popular with travelers since 1778, but The Greenbrier didn’t come to life until 1913. The sprawling 710-room national landmark sits on 11,000 acres of rolling hills and has been described as “‘Monte Carlo’ meets ‘Gone With the Wind.’” The blend of Colonial decor and Hollywood Regency flourishes make guests feel as if

from every generation can find something fun to do before the family gathers together for the massive Thanksgiving brunch in The Greenbrier’s Colonial Hall. The award-winning culinary brigade serves up Thanksgiving classics, like soft rolls and roasted turkey, alongside marinated mussels and ricotta tortellini. Make time for the horse-drawn carriage ride and evening gala, and you have the perfect Thanksgiving.

round of golf, the siblings all go off-roading in a Jeep, and later, the whole family faces off in a game of laser tag. With 55 leisure activities offered at the resort, make every day as busy or as relaxing as you want before enjoying a gourmet dinner at one of the resort’s six full-time restaurants. The Greenbrier is a dream getaway anytime of the year, but America’s resort really goes all-out for the traditional American holiday, Thanksgiving. Family members

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