Wolf Retirement Navigation - June 2020
RET IREMENT NAV IGAT ION
MONTHLY
4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
4711 US Highway 17 Suite C-5 Fleming Island, FL 32003
As seen on:
June 2020
TO CLIMB MOUNTAINS
The Purpose of Being a Dad
I want to start this month by giving a big shout-out to all the super dads out there. Father’s Day is coming up, and I want you to know that your efforts are very much appreciated and recognized. Becoming a dad is one of the best things that has ever happened to me, and I am so thankful that my own dad taught me the value of having a strong
Snowbasin in the Wasatch Mountains of Utah to participate in the 29029 Everesting Challenge. This event was partly a fitness and mental challenge for me and partly a fundraising opportunity to support JaxPAL here in Jacksonville. While we successfully raised $4,755 for JaxPAL, I was less than successful in the Everesting Challenge. I completed 10 miles out of the 29-mile, 29,000- foot elevation hike. Though I trained, I was not prepared for the incredible endeavor. Rather than feel discouraged, I turned around and signed up for two more Everesting Challenge hikes — one in June 2020 in Sun Valley, Idaho, and one in August 2020 in Snowbasin. COVID-19 knocked out Idaho until 2021. I will instead compete in a “virtual” hike on June 19 and will continue to focus on training for my return to Snowbasin. To help prepare this year, I purchased an incline treadmill that has up to a 40% incline. As luck would have it, the treadmill was delivered just three weeks before the COVID-19 stay-at- home order went into effect. Talk about timing! I have spent many hours during the shutdown training for the climb. I am focused this year. I know exactly what kind of challenge is before me, and I’m better prepared to conquer the mountains. 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.
Just like last year, my Everesting Challenge will double as a fundraiser for JaxPAL. We partner with and support JaxPAL for many different reasons. As a local business, I believe we have a responsibility to do our part to help build a stronger community, and that starts with supporting the kids. JaxPAL works with kids in our neighborhoods, many of whom are financially disadvantaged, are without fathers, and need as many opportunities as possible to increase their chances for success. I believe in the JaxPAL mission and am excited to be able to support this great organization once again. If you would like to help us by getting involved, then be sure to keep an eye on future monthly newsletters. We will be announcing more details in the coming months. While I won’t be climbing a mountain in Sun Valley this Father’s Day, I will keep everyone updated on my virtual hike status and results! I am looking forward to my future climb in August as well. Being a dad is about building a community in which our children can flourish and thrive. To do that, you have to be willing to climb mountains — sometimes literally. By partnering with JaxPAL for the 29029 Everesting Challenge, I am certainly able to do just that. -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.
While we successfully raised $4,755 for JaxPAL, I was less than successful in the Everesting Challenge.
work ethic and that he also showed me the positive side of being an optimist. I’m also grateful to my clients who are fathers who have taken the time to share wonderful stories and invaluable advice with me throughout the years. It has been a huge help. I hope you all enjoy memorable, meaningful Father’s Day celebrations. This Father’s Day weekend, my plan was to climb Mount Everest — or at least climb the equivalent of Mount Everest. You may remember that in August of last year, I flew out to 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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Celebrate Go Fishing Day in Style! Reel in the Relaxation
For many people, fishing isn’t about reeling in the perfect catch. It’s about kicking back (often with a cold one) and relaxing out on the lake, river, or sea. If you catch a few fish, great! If not, you can try again tomorrow. Thursday, June 18, 2020, is Go Fishing Day, and Father’s Day is just three days later on Sunday, June 21, 2020. For some people, these days represent the perfect long weekend — fishing with Dad, “shooting the breeze,” and maybe reeling in a few big ones. In many ways, angling reminds us to take it slow. This classic pastime has many fans. Whether you’re in the back of a boat, on a dock, or wading in the water, fishing brings us closer to nature as we enjoy this activity which is deeply rooted in tradition. It’s also a great time to spend with family. Pack a cooler full of your preferred snacks and beverages and hit your favorite fishing spot. That’s the making of the perfect day.
Of course, as a reminder that we live in a regulated society, don’t forget your license! In Florida, you need to buy a fishing license before you head out, and you can do so online from the Florida Fish and Wildlife Conservation Commission at MyFWC.com. They have several different types of licenses, including:
• Free saltwater fishing is allowed the first Saturday and Sunday in June (June 6–7, 2020). • Free freshwater fishing is allowed the second Saturday and Sunday in June (June 13–14, 2020). This summer, even if you’re not big into fishing, why not take a few days to just kick back on the water with some fishing poles? Maybe you’ll catch something, maybe you won’t, but maybe you’ll reconnect with nature and rediscover what it means to relax and take things slow.
• Saltwater fishing license • Saltwater Shoreline-Only fishing license • Freshwater fishing license • Gold Sportsman License (includes saltwater and freshwater fishing, as well as hunting) • Youth licenses For those who only want to fish once or twice a year, every state has free fishing days, and Florida is no exception. Florida has several free fishing days, including several days in June:
FEELING RENEWED AT ANY AGE
Adopt a new activity. As you get older, it’s not uncommon to drift further from the lifestyle you had in your 20s and 30s. Things have settled down, and you know a bit more about who you are, what you enjoy, and what you’re capable of. With this better understanding, you can make choices more aligned with your true interests and personality. Think about getting involved with a new activity you may have always wanted to try but never had the chance, like yoga or even a video game. Trying out new things keeps your brain active. You may even discover a new favorite activity along the way! Pay attention to mental health. Although more years provide more experience and knowledge, sometimes
they also come with heavy baggage. The loss of a loved one, trauma, and other struggles can impact your life in later years. This is why it’s good to practice mindfulness. Take some time to focus on the present. Go for a walk and listen to the world around you, feel the fresh air against your skin, fill your lungs, and take in everything you can see. Meditation is also a good way to spend a few minutes to focus on your body in the moment and the things in life that make you happy. Practices like these can help you feel lighter, both physically and emotionally. Growing older doesn’t mean you can’t feel renewed and positive. This isn’t just an impossible idea — it’s a reality.
If the mercurial spring weather has prevented you from getting out as much as you would have liked these past few months, you might be feeling a bit of cabin fever about now. Luckily, you can still introduce positive changes t your life that help you feel healthier and younger. Here are two ways to awaken your body and mind.
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Staying Connected How We’re All Coming Together in Challenging Times
Now more than ever, we live in a digital world. In recent months, many businesses have adapted to working in a virtual space as more employees have started working from home for the very first time. Businesses had to answer questions like, “How can we conduct business effectively, efficiently, and securely?” Countless businesses handle sensitive client data; and when working from home, security becomes even more paramount. Thankfully, there are many secure options available. Some businesses, for example, operate on the “cloud.” Everything they do is digital. This means they can access documents or other client material from anywhere in the world, as long as they have an internet connection. The data is encrypted and kept behind several layers of digital security, which keeps prying eyes out.
have had to adapt as well. They’ve had to learn how to use virtual platforms, like the popular Zoom app or Skype, that offer video, voice, and text chat. And these technologies aren’t just bringing people together — they’re bridging generations. People in older generations, who may be less familiar with the technologies their grandchildren are using, are learning to use virtual platforms to stay in touch. Grandparents are keeping up with their grandkids in ways they never would have imagined a year ago. Many organizations have been taking advantage of these platforms as well. You can now find virtual museum tours, virtual libraries, virtual concerts — you name it! The Jacksonville Public Library, for instance, has its own virtual library, which you can visit at JaxPublicLibrary. org/digital-library. The Kennedy Space Center has also gone digital with virtual learning activities, which is great for kids who are out of school.
They’re holding presentations on their Facebook page — Facebook.com/ KennedySpaceCenterVisitorComplex — and they have resources on their website, KennedySpaceCenter.com/camps-and- education/educator-resources. We, too, have implemented virtual platforms in our own business model. From client meetings to team meetings, we have gone virtual. We have been hosting a number of live webinars with our clients and prospective clients, whether they live locally in Northeast Florida or anywhere in the United States, coast to coast. Virtual tools have allowed us to continue working and meeting with both current and future clients. While nothing beats old-fashioned face- to-face contact, with those warm and fuzzy feelings we get when our clients come to our office, we are just happy that we can stay connected and stay in touch during this unprecedented time.
It’s not just businesses that have had to adapt. Individuals, families, and friends
SUDOKU
You can’t go wrong with grilled chicken and tomatoes on a warm summer’s evening. It’s a simple recipe that packs a flavor punch.
INGREDIENTS
• 2 tbsp olive oil • 1 clove garlic • 1/2 tsp salt • 3/4 cup balsamic vinegar
• 1/4 cup tightly packed fresh basil leaves • 8 Roma tomatoes • 4 boneless skinless chicken breast halves (4 oz each)
DIRECTIONS
1. For marinade: In blender, combine olive oil, garlic, salt, vinegar, and basil. Cut 2 tomatoes into quarters and add to mixture. Cover and process until blended. Halve remaining tomatoes for grilling. 2. In bowl, combine chicken and 2/3 cup marinade. Cover and refrigerate for 1 hour. Reserve remaining marinade. 3. Heat grill to about 350–400 F. Lightly
oil grates. Grill chicken until internal temperature reads 165 F, about 4–6 minutes per side. Grill tomatoes until lightly browned, about 2–4 minutes per side. Discard remaining marinade.
4. Serve chicken and tomatoes with reserved marinade.
Solution on Page 4
Inspired by TasteOfHome.com
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904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
INSIDE
Solution to puzzle on Page 3
• Returning to Snowbasin PAGE 1
• June 18 Is Go Fishing Day! PAGE 2
• How to Feel Renewed at Any Age PAGE 2
• Coming Together ... Virtually! PAGE 3
• Grilled Basil Chicken and Tomatoes PAGE 3
• Celebrate This Refreshing Beverage PAGE 4
Enjoy a Cool Drink This June Let’s Celebrate National Iced Tea Month!
The First Iced Brew In 1904, a heat wave struck St. Louis during the city’s first world’s fair. Richard Belchynden, a merchant attending the fair, was offering the attendees small samples of his tea. However, due to the hot weather, fairgoers didn’t want to drink the heated beverage. Undeterred, Belchynden, who had traveled a long way to attend the fair, decided to switch tactics — if the public wanted a chilled beverage, then he would oblige. He added ice to the steeped tea, and soon, the grateful guests had a new beverage: iced tea. Although Belchynden is given credit for serving the first official iced tea, it is referenced many times throughout history before that fateful world’s fair. Historical evidence suggests that iced tea was served and consumed in the Southern states as early as the
1870s. However, a lack of refrigeration technology at that time made these chilled drinks a luxury. The Health Benefits These days, most bottled iced teas are made with sugary syrups and branded as sweet tea. While sweet tea is tasty, the unsweetened version is not only refreshing but also healthier because it has fewer calories and provides more nutrients. If you want a more traditional taste of unsweetened iced tea, then try making your own! One simple recipe is to take 1 ounce of your favorite tea and steep it in 1 gallon of water overnight in the fridge. In the morning, remove the leaves and pour yourself a glass!
The best thing to have on a hot summer day is a cold beverage, and nothing is more refreshing than a glass of iced tea. Since June is National Iced Tea Month, get out your tall glasses and ice cubes and let’s celebrate tea!
Now you can celebrate National Iced Tea Month with your very own brew!
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