Wolf Retirement Navigation - February 2020



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February 2020

The Perfect Leap Day Making Those Extra 24 Hours Count

I ’ve been writing “2020” on documents for about a month now, and it is still blowing my mind. How is it already 2020? When I was a teenager, 2020 felt so far away. Marty McFly didn’t even reach the year 2020 in “Back to the Future II.” That’s how far away it was! Now we’re in the year 2020, and time seems to be moving faster than ever. Something special about this year, besides the fact that it’s truly the future, is that 2020 is a leap year. This month will have an extra day — an extra 24 hours to do whatever we’d like. It’s not really extra time, of course, but there’s something about having another day that we didn’t have last year that makes you want to take a step back and ask, “What do I actually want to do with this time?” Leap day is on a Saturday this year, so my extra day can start with a morning workout. I’ve started training for two

If you’d asked me what my ideal leap day looked like 20 years ago, I would have painted a completely different picture. “

dad spent five minutes holding my bike up before letting go and telling me I had to do it on my own. Talk about times changing! At the end of our extra day, Bella and I will likely have dinner with my mother and stepfather. They live just a mile up the street, which is nice because it means we get to see them a lot. It makes organizing family dinners really easy, and Bella loves going to her grandparents’ house. If you’d asked me what my ideal leap day looked like 20 years ago, I would have painted a completely different picture. I probably would have wanted to be at some big party or stay up late doing who knows what with my friends. It would have been big and flashy so I could “live life to the fullest.” But at 42, I don’t need fireworks for a day to be special. A great day is time with my family, being there for my daughter, and watching her grow up. This isn’t better or worse than a flashy day, but it’s what is important to me now. Leap day is a time to pause and devote energy to things that make life fulfilling, whatever they may be to you. We aren’t guaranteed another day, so getting this extra day is really something to celebrate. -Adam Wolf, CPA, CFP ® 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.

29029 Everesting Challenges, and I’m determined to conquer the mountains this year. Having an extra day to train might really make a difference. My leap day will start early with a two-hour workout before spending the rest of the day with my daughter. Isabella and I have a routine. I’ll make her breakfast and then we’ll do some art stuff together. She’s such a creative kid. In the afternoon, we’ll probably switch gears, literally, and head outside with her bike. Bella is learning to ride a bike right now, so we’ll spend hours out there, working on it. She has a little way to go, but she’s really getting the hang of it. Teaching her how to ride a bike is really different from how my dad taught me to ride a bike. Isabella has a helmet and knee pads, and we take things slowly. Back in the day, I didn’t have any protective gear, and my 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.

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

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