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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
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As seen on:
May 2025
THE HEART OF IT ALL
A CELEBRATION OF MOTHERS
As the founder and president of Wolf Retirement Navigation, I spend my days helping others plan for their futures — guiding them toward retirement with confidence and clarity. But on Mother’s Day, I find myself reflecting on a different kind of planning. Motherhood is, in many ways, the ultimate lifelong investment: an investment in love, hope, and the next generation. Mothers are superb planners. They invest their time, energy, and devotion into ensuring the well-being of their families. They teach us, through example, the rewards of patience, compassion, and resiliency — principles that are just as crucial in life as they are in retirement planning. Mothers teach us these lessons intuitively, instilling in us the ability and wherewithal to navigate life’s challenges with courage and determination. I’ve seen firsthand how meaningful it is to incorporate family values into retirement plans — whether it’s passing down
“They are the ones who show up, day in and day out, with unwavering dedication and commitment.”
financial wisdom, setting aside resources for loved ones, or creating opportunities to spend quality time together. Mothers manifest this kind of foresight proactively in their daily lives in order to ensure a better tomorrow for their families. I am in awe of the universal stamina and selflessness of mothers. It’s a day to recognize and honor not just the mothers in our individual lives but the collective spirit of motherhood that has shaped our world in profound and beautiful ways, one act of love at a time. Mothers are the quiet, steadfast heroes of our families and communities. They are the ones who show up, day in and day out, with unwavering dedication and commitment. They teach us how to be kind, how to be strong, and how to never give up — even when the road gets tough. They are the architects of fortitude, the champions of hope, and the cheerleaders of our dreams and ambitions. As we celebrate this Mother’s Day, let us remember that the true measure of a life well lived is not found in accolades, achievements, or wealth, but in the love and legacy we leave behind — qualities instinctively embodied by mothers everywhere. To all the mothers: Thank you for all that you do and all that you are. Thank you for being the heart of it all!
-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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Stray Dog Outsmarts Fate and Saves Her Puppy’s Life
When our furry friends get sick, it’s up to us to bring them in for a veterinary appointment. It’s part of the responsibility of being a pet owner, but stray animals have no owners. Who takes
The vet could not hear the puppy’s heartbeat with a stethoscope, so he checked it with a needle, which provided promising results! The dog was alive but had a very slow heartbeat. The vet used a blow dryer to warm the puppy up, and before long, it was awake and moving again. All the while, the mother was at the puppy’s side with her head perched on the examination table.
care of them when they most need it? Sadly, help is beyond their reach in many cases. However, some dogs won’t let anything stand in their way, especially if it’s a difference between life and death. In January 2025, a stray mother dog noticed her puppy stopped moving and jumped into action. Without an owner to guide her, the mother brought her baby to a local veterinarian clinic in Istanbul, Turkey. The staff saw the dog standing outside their door, so they checked on her and noticed the lifeless puppy. The pup was freezing cold, and the vet wasn’t even sure if it was still alive!
So, how did the puppy’s mother know where to take her baby? This wasn’t her first encounter with this vet clinic; the same doctor was already treating the puppy’s littermate after good Samaritans brought her to the same clinic a few days earlier. Both puppies have been reunited with their mother and are all under the close eye of the clinic.
Whether discussing humans or dogs, parents are willing to do whatever it takes to ensure their children survive and thrive. However, dogs might have to be more creative with their efforts.
529 DAY When it comes to college savings, nailing down the best approach can be tricky and may feel never-ending. But did you know there’s a neat tool out there, “The 529 Plan,” and there’s even an entire day dedicated to it, 529 Day, on May 29? This day is perfect for discovering how these plans can maximize your college savings. What Is a 529 Plan? 529 Plans are tax-advantaged savings plans designed to make saving easier for future educational costs. Think of them as the
savings strategy. There are often many promotions, fee waivers, or even matching contributions for new accounts opened around this A Prime Time to Learn About College Savings Options
date — so keep your eye out! The Flexibility of 529 Plans
With 529 Plans, you can open one through almost any state’s program, not just your own, and use it at any accredited college nationwide. Plus, there are no income limits, so anyone can take
advantage of this savvy savings route. Learning Opportunities on 529 Day
educational equivalent of a Roth IRA. You put money in, it grows tax free, and you can withdraw it tax free, too, if you use it for qualified educational expenses like tuition, books, and some room and board costs. Why 529 Day Matters 529 Day isn’t just a random date picked to
On 529 Day, you may also find webinars and educational events hosted by financial institutions or state governments. These can be golden opportunities to learn more about how these plans work, how to choose the best one for your situation, and strategies for maximizing your investment. Take Action Now If you’re a parent, grandparent, or even an awesome aunt or uncle looking to contribute to a kid’s college fund, exploring the benefits of a 529 Plan is a smart move. Not only can you start saving in a financially wise way, but you might also snag some extra perks offered only around this special date. Learn more about all the details surrounding 529 Plans by talking with our professionals at 904-232-8760.
celebrate these savings accounts. It’s a play on the plan’s name and serves as a reminder each year to check out or improve your own
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Take a BREAK!
Celebrating the Super Moms of WRN Happy Mother’s Day to the fabulous women of Wolf Retirement Navigation: Eileen, Andrea, Caroline, and Robin! This month, we want to celebrate something admirable — their roles as mothers. While they are all great at walking alongside our valued clients, their duties outside the walls of WRN are truly awe-inspiring. Each of them has built a beautiful family and raised kids who are as wonderful and impressive as they are. Eileen, Andrea, Caroline, and Robin, you juggle life, work, and endless mom duties with a grace that makes it look almost too easy. We hope your Mother’s Day is filled with all your favorite things: maybe some quiet time, definitely some pampering, and, most importantly, lots of hugs from your amazing kids.
Asparagus Cashew Rice Pilaf Inspired by AllRecipes.com
1. In a medium saucepan over medium-low heat, melt butter. 2. Stir in spaghetti and cook until coated and lightly browned. 3. Stir in onion and garlic and cook for 2 minutes until tender. 4. Stir in rice and cook for 5 minutes. Add the broth and season with salt and pepper. 5. Bring mixture to a boil, cover, reduce heat, and cook for 20 minutes. 6. In a separate saucepan, cover asparagus with water and cook until tender. Drain water. 7. Mix asparagus and cashews into rice and serve warm. DIRECTIONS INGREDIENTS • 1/4 cup butter • 2 oz uncooked spaghetti, broken into bite-size pieces • 1/4 cup minced onion • 1/2 tsp minced garlic • 1 1/4 cups uncooked jasmine rice • 2 1/4 cups vegetable broth • Salt and pepper, to taste • 1/2 lb fresh asparagus, trimmed and cut into 2-inch pieces • 1/2 cup cashew halves
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Motherhood: The Ultimate Investment in Our Future PAGE 1 A Stray Dog Pulls Off the Ultimate Rescue Mission PAGE 2 529 Plans Are the Roth IRA of College Savings PAGE 2 Meet WRN’s Fab 4 Moms PAGE 3 Asparagus Cashew Rice Pilaf PAGE 3 Europe’s Hidden Paradise: The Hawaii of the
Atlantic PAGE 4
ESCAPE TO THE AZORES A Journey Back in Time
If a trek through timeless volcanic landscapes dotted with crater lakes,
from kayaking to hiking. The climate is subtropical, with year-round temperatures ranging from 57 to 71 degrees Fahrenheit. Religious festivals and traditional holidays abound on these predominantly Roman Catholic islands, an autonomous region of Portugal. Beyond that, however, the islands’ culture, dialect, and cuisine vary widely. The largest island, São Miguel, is home to numerous hot springs and Europe’s only two tea plantations. An emblematic nature area, Sete Cidades, includes the famed Lagoa Azul (blue lagoon) and Lagoa Verde (green lagoon). Numerous healing hot springs in Furnas offer opportunities for wellness and relaxation seekers. Ilheu de Vila Franca, a flooded crater islet accessible from the southern shore of São Miguel, offers exceptional visibility of unique marine life, plus snorkeling, swimming, and cliff diving.
waterfalls, and hot springs, plus access to awe-inspiring marine life sounds inviting, the Azores may be the vacation spot for you! The Azores are an increasingly popular tourist destination, often called “the Hawaii of Europe” for their remote mid-ocean location and volcanic origins. The archipelago encompasses nine major islands 1,000 miles off the coast of Portugal and is one of the best whale-watching sites in the world. Visitors should plan their trip from the end of April to the beginning of May to view larger migratory species, such as the blue whale. The rocky shorelines of the Azores ascend as high as 7,713 feet atop the Ponta de Pico on the island of Pico. The islands’ untamed beauty offers plenty of outdoor activities,
Wine lovers will enjoy the island of Pico, where vintners produce the islands’ complex volcanic wines. The Azores Wine Company offers tastings, tours, and overnight stays. The island of Santa Maria has the only white-sand beaches in the region. And Faial Island’s bountiful hydrangea gardens have earned it the nickname “The Blue Island.” Foodies will also enjoy famous local foods, including octopus stewed in wine, kale soup, fried mackerel, and fresh yogurt and cheeses. Taken together, the Azores have something to delight any traveler.
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