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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
904-232-8760
As seen on:
February 2025
Love in the Retirement Years Planning for a Happy and Secure Retirement Together
As Valentine’s Day approaches, we often reflect on love, companionship, and the joy of sharing our lives with a special someone. For couples nearing or enjoying retirement, this season of love offers a perfect opportunity to strengthen bonds and plan for a fulfilling future together. Embracing the Adventure of Retirement Together Retirement is not just the end of a career; it’s the beginning of a new adventure. Couples can see this phase as a chance to explore shared and new interests together, travel to dream destinations, and enjoy more quality time with each other, family members, and friends. Discussing and aligning your retirement dreams — and supporting each other in prioritizing good health — can enhance connections and
Understanding the Financial Journey Together It’s crucial for both individuals in a couple to fully understand their financial journey leading up to and during retirement. This is where we come in. As a well-tuned team, we make it a point to address the needs of both parties, with the assurance that each person is well informed and involved in all aspects of their retirement plan. For example, the decision of when to apply for Social Security benefits not only affects the income received during one’s lifetime but also impacts the amount a surviving spouse is entitled to receive. We provide the guidance needed to make these important decisions together, resulting in financial security for both partners. Estate Planning: Protecting Your Love Story Estate planning is an essential part of preparing for the future. We will validate that your wills are up to date, that you have designated beneficiaries, and that you have considered the possibility of setting up trusts to protect your assets and provide for your loved ones. Open and honest conversations about your wishes will bring peace of mind and confidence that your legacy reflects the love and values you both share. Every Day Is Valentine’s Day Valentine’s Day is a beautiful reminder to celebrate your love not only on one day of the year; its message is to cherish each other every single day. As you plan for a truly special retirement, remember that the journey is even more rewarding when shared with the one you love. This Valentine’s Day, take a moment to appreciate the bonds you’ve built and look forward to the wonderful experiences that lie ahead. Love comes in all dynamics; and, oftentimes, our friends and companions are “family by heart.” Time spent with these very special people in our lives is also a reason to celebrate love on Valentine’s Day and every day thereafter!
ensure you make the most of this exciting chapter. Financial Harmony — A Key to Lasting Happiness
One of the most important aspects of a happy retirement is financial security. Sit down with your partner to review your financial situation, discuss your retirement savings, and create a budget that supports your lifestyle and goals now and in the future. Remember, we are here to help you navigate complex decisions at any stage of your retirement, resulting in your feeling secure about your financial situation at any given time.
-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.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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Transform Your Complexion EMBRACE THE POWER OF SKIN CYCLING
Do you dream of obtaining radiant, wrinkle- free skin? Do you have a dedicated skin care routine you stick to daily? You may be one of many who feel that no matter which beauty products they use, they can’t obtain the flawless skin they’ve always wanted. A new trend has recently emerged that could provide the skin care answers you’ve been waiting for, and you don’t even need to empty your pocketbook to buy expensive beauty products. It’s as simple as following a skin care regimen called skin cycling. Skin cycling has shown promising results because it gives your skin a break from constant exposure to beauty product ingredients that could be harmful if overused. Most people who follow this practice stick to a four-day cycle, but you can adjust based on how your skin responds.
Start the first night by exfoliating. Clean your skin, pat it dry, and then use an exfoliating product. For best results, look for chemical products that contain ingredients like alpha hydroxy acids (AHAs), beta hydroxy acids (BHAs), and polyhydroxy acids (PHAs) instead of physical exfoliants and scrubs. This step will allow the next phase to be much more effective. After exfoliating on the first night, you’ll want to apply a retinoid on night two. Resurfacing retinol serums and other retinoids help boost your skin’s renewal process by brightening skin, boosting collagen, and minimizing fine lines. Start this process by using a hydrating cream under the eyes and other sensitive areas before applying your retinoid across your face and neck.
The following two nights should focus on repair and recovery. To see the most improvement, use a cleanser, a moisturizer, and a serum containing hyaluronic acid, ceramide, and glycerin. Skin cycling is a great way to create a consistent skin care routine, but consider your skin type when selecting beauty products. Someone with oily skin needs slightly different products than someone with dry skin. Once you establish the right beauty products, skin cycling will help you reach your skin goals!
Cheers to Robin’s 11 Years and Andrea’s 8 MILESTONE MOMENTS
We would like to offer a huge congratulations to Robin Klob for celebrating an incredible 11 years with WRN on Jan. 27, 2025 and to Andrea Challenger for reaching an impressive 8 years on Feb. 20, 2025! We are so very fortunate to have Robin and Andrea as part of our team. Over the years, they’ve gone above and beyond forming meaningful relationships with our clients and embodying our core values by building lifelong partnerships. They’ve taken the time to get to know every client on a personal level, showing genuine care and dedication in everything they do. Their hard work, kindness, and commitment have left a lasting impact not only on our clients but also on our entire team. Robin and Andrea, thank you for your loyalty and passion — YOU are what WRN stands for! Here’s to celebrating these milestones and looking forward to many more years of success and teamwork ahead!
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Take a BREAK!
BE THE LIGHT Whew — our world is busy and only seems to be getting more hectic! In a chaotic society, Feb. 17, Random Acts of Kindness Day, is the perfect opportunity to slow down and focus on spreading a little joy. Kindness doesn’t have to be lavish or expensive; it’s the small, thoughtful gestures that can make someone’s day brighter. This special day reminds us of the power we each have to make a positive impact, no matter how small. SIMPLE WAYS TO SPREAD KINDNESS Pay It Forward Have you ever been in line for coffee and had someone pay for your drink? It’s an instant mood booster, isn’t it? Be that person! Buy a coffee for the next person in line and watch how quickly smiles can spread! Give Out a Compliment “You have the best laugh!” or “I love your jacket!” A heartfelt compliment can go a long way, especially on a tough day. It’s quick, easy, and completely free. Hold the Door It’s such a small thing, but holding the door for someone, even a stranger, can make their day just a little easier. Write a Note When was the last time you received a handwritten note? Whether it’s a quick “thank you” to a friend or a Sticky Note on a coworker’s desk, a few kind words can mean so much. Leave a Larger Tip If you’ve had great service at a restaurant or café, surprise your server with a generous tip. You never know how much it might help or brighten their day. Volunteer Your Time Giving a couple of hours to help at a shelter or clean up a park might seem small to you, but it can have a big impact. Plus, it feels good to give back. Offer a Smile Sometimes, it’s just that simple. A genuine smile can make someone feel seen and appreciated, and it costs absolutely nothing. Share a smile; it’s contagious! Simple Acts That Show the Power of Kindness
Fabulous Flourless Chocolate Cake Inspired by EasyDessertRecipes.com
INGREDIENTS •
1 cup chopped dark chocolate 1/2 cup unsalted butter, melted
• • • • • •
3/4 cup granulated sugar
1/2 cup almond flour
1/2 cup chopped walnuts 4 large eggs, separated
2 tbsp cocoa powder
DIRECTIONS
1. Preheat oven to 350 F and grease a springform pan with butter or nonstick spray. 2. Place chocolate in a medium bowl. Pour warm, melted butter over it, wait for 2 minutes, then stir until chocolate is melted and smooth. 3. Add sugar, almond flour, and walnuts and stir to incorporate. Stir in the egg yolks and set mixture aside. 4. In the bowl of a standing mixer fitted with the whisk attachment, whip egg whites on medium until stiff peaks form. 5. Fold 1/4 of the whipped egg whites into the chocolate batter. Repeat, 1/4 at a time, until egg whites are incorporated. 6. Pour batter into springform pan and bake for 30–35 minutes. 7. Remove from the oven and let it cool completely before removing from the pan. Dust with cocoa powder before serving.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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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
Protecting Your Love Story PAGE 1 Could This Be the Answer to Your Skin Woes? PAGE 2 Cheers to Robin Klob and Andrea Challenger! PAGE 2 Small Gestures, Big Impact PAGE 3 Fabulous Flourless Chocolate Cake PAGE 3 Must-Have Apps for Smart Travelers PAGE 4
TOOLS TO PLAN, EXPLORE, AND SAVE TRAVEL SMARTER WITH THESE TOP APPS
Travel is meant to be exciting, but let’s face it, planning a trip can quickly become overwhelming. From booking flights to navigating new destinations, the process often feels like a juggling act. Luckily, with the right travel apps in your pocket, you can streamline your journey and make the trip more enjoyable. Whether you’re a budget-conscious traveler, an
over-planner, or an explorer searching for hidden gems, these apps offer tailored solutions to meet your needs. Budget-Savvy Travelers Travel doesn’t have to break the bank. Apps like Hopper and Skyscanner help you find the best flight deals by tracking prices and sending alerts when fares drop. Hopper even predicts the best time to book so you don’t have to be glued to the phone watching prices. For accommodations, Airbnb or Vrbo have options for every budget, from cozy apartments to unique stays in treehouses and boats. Planners and Organizers If juggling flights, hotels, and everything else that goes into a trip feels overwhelming, you need TripIt. This app organizes all your plans into one easy-to-access itinerary, taking the stress out of travel planning. For even more streamlined travel, pair TripIt
with Google Maps, which provides real-time navigation and lets you save locations and download offline maps. Adventurers If you’re hitting the open road, Roadtrippers is the perfect travel companion. This app maps your journey while highlighting quirky attractions, scenic routes, and hidden gems along the way. With everything from historical landmarks to offbeat roadside stops, Roadtrippers turns your road trip into
a memorable adventure. Why These Apps Matter
When you’re out adventuring, travel apps are the ultimate problem-solvers. They’re your travel agent, personal assistant, and local guide, all in the palm of your hand. From booking a last-minute flight to figuring out the best way to get from point A to point B, these tools put you in control of your journey so you can focus on enjoying the trip.
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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