Wolf Retirement Navigation LLC - December 2023

THINK OUTSIDE THE GIFT BOX

Start a New Tradition This Christmas

Christmas is built on tradition. Many families celebrate the holiday by waking up bright and early to open presents, attending church, having a delicious meal, and closing the day with “How the Grinch Stole Christmas,” “Elf,” or another Christmas classic. Some families have been doing this for so long that they’re starting to look for new traditions to throw in the mix to spice up the season a little more. There are plenty of ways to change your holiday traditions without losing the meaning of the season! You could go caroling or try out a white elephant gift exchange with the entire family. If you’re looking for something unique, try one of the following activities this year. The Christmas Box One of the most exciting parts of Christmas is when everyone gathers to open gifts. The Christmas box gives you an opportunity to create a new tradition around gift-giving. Fill a medium- or large-size gift box with smaller items you like to give each

year. You can stuff it with Christmas pajamas, mugs, books, movies, and other small gifts you know your family or friends will love. Refill the box with different versions of these items every year. You can also do this with your friends in place of a Secret Santa gift exchange. Set a budget and draw names to

determine whom each person will give their box to. From there, you go to local garage sales, dollar stores, and thrift shops to fill the box with things the person will like. A Reminder of Past Christmases Do you buy a real tree every Christmas? Most of us bring our old trees out to the curb when the holiday passes. Before you do so, cut off the very bottom of the tree trunk. Write the date on it and include any extra information you want, such as a child’s or pet’s first Christmas. After a few years, you’ll have a collection of tree trunk rounds that help you reminisce about one of the happiest days of the year

and all the memories you made.

DEFEND AGAINST THREATS AND FRAUD Your Approach to Home and Personal Security

In a world that often feels unpredictable, it’s important to safeguard your home, personal information, and loved ones. At Wolf Retirement Navigation, we understand the gravity of this responsibility and recently hosted a webinar with Sheriff Michelle Cook from the Clay County Sheriff’s Office on the imperative need for home and personal protection, including fraud prevention. Home is more than just a physical space; it’s a sanctuary where families build memories, share laughter, and find solace. Ensuring its security is not only about locks and alarms; it should involve a holistic approach that encompasses both physical and digital aspects. During our recent webinar, Sheriff Michelle Cook shared invaluable insights. Her expertise shed light on the shocking reality of the numerous cases of fraud that

inundate police stations. Many individuals, unaware and unsuspecting, fall victim to various scams and schemes. Fraud, unfortunately, is an ever-evolving threat, and it’s not limited to any particular demographic. This is where the importance of remaining vigilant comes into play. While we work hard to protect your financial accounts, it’s equally important for individuals and families to be proactive in safeguarding their personal information. Sheriff Cook emphasized that education is our best defense. Awareness of common scams, such as phishing emails, identity theft, and financial fraud, empowers individuals to recognize red flags and take preventive measures. Especially online, personal information is often vulnerable. It’s important to

implement strong passwords, utilize two-factor authentication, and stay informed about the latest cyber threats. For families with older parents, the need for protection becomes even more critical. The elderly are more susceptible to scams, making education and communication vital. Encourage open discussions about potential risks and arm your loved ones with the knowledge needed to navigate the digital world safely. In the ever-changing landscape of fraud and security threats, our collaborative efforts, coupled with insights from experts like Sheriff Cook, serve as a powerful defense. Let’s continue working together to ensure our homes remain havens of safety and our personal information stays out of the hands of those seeking to exploit it.

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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island

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