Wolf Retirement Navigation's online newsletter for July 2018
904-232-8760 www.wolfretirement.com MONTHLY RET IREMENT NAV IGAT ION
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JULY 2018
FAMILY AND FIREWORKS
What Are Your Favorite 4th of July Traditions?
Over the years, my Fourth of July traditions have changed quite a bit. When I was a kid, we didn’t have immediate family nearby. Both my mom’s and dad’s families lived out of state, and since my parents wanted to avoid the traffic, we never traveled during the holidays. For our Fourth of July weekends, we spent time with close family friends and church. Our extended family included folks from St. Michael’s Church, and watching the fireworks with them was always a lot of fun. I still have fond memories of childhood fireworks shows, although I have to say that nothing compares to the Jacksonville Beach fireworks show my own family gets to see every year. I have kept up the tradition of not traveling during the holidays, so for Independence Day, we always stay home. My wife and I host a small get-together with my mom and her husband Mike, who live down the street. We eat, catch up on what’s new with everyone, and then go down
to the beach and watch the fireworks.
My daughter Isabella is completely enchanted by the fireworks. Watching her reaction is my favorite part of the Fourth of July festivities, because I love seeing my child happy. We do a lot to make sure our loved ones are happy, and part of what I enjoy most about being a retirement advisor is helping
family when you are no longer able to do so yourself. It covers unexpected expenses, provides a financial pick-me- up, leaves a lasting memory of your hard work, and acts as a reminder of your love because you continued to find a way to provide for your family. I’ve helped many people plan retirements that empowered them to leave behind legacies for their kids, nieces and nephews, close friends, and charities, and churches within their communities. This year, on the Fourth of July, I hope you will enjoy great food, admire some amazing fireworks, and get to spend some quality time with your family — whether they’re your biological family or your extended family.
my clients know their family members will be happy and well-taken care of — during their retirement years and even after they’re gone. A lot of people think retirement planning is all about making sure you’ll be able to buy a new boat, travel the world, and never work again. Yes, that’s a big part of it, but retirement planning is also about leaving behind a legacy. During our working years, it’s not just our spouses we’re working to take care of and provide for. My wife and I both work hard to make sure our daughter is taken care of too. Even after she has attained “young adult” status, has moved out of the childhood home, and is working to support herself, I know my need to take care of Isabella isn’t going to go away.
... nothing compares to the Jacksonville beach fireworks show my family gets to see every year. “
Happy and safe Fourth of July!
Building a financial legacy is sort of like creating a safety net to take care of your
–Adam Wolf, CPA, CFP ®
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 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 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.
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THESE MALLS WERE MADE FOR WALKING THE EXERCISE VENUE THAT WILL KEEP YOU COOL AND FIT
If you’re young at heart and looking to stay (or get) in shape this summer, consider taking a
homebody. Because malls are spacious and climate-controlled, they make great year-round walking venues, especially when summer temperatures spike. You don’t even need to put on sunscreen!
Getting things done as you exercise makes the experience that much more rewarding. Just remember not to overdo it. Carrying too many shopping bags can place undue stress on your back — and your wallet.
trip to the mall. No, not to pick
Rest Stops Abound
up some hot new exercise product or dietary supplement, but
You Won’t Be Alone
While the average American shopping center isn’t as scenic as the Appalachian Trail, they are far more convenient. Replete with bathrooms, cool drinking water, and plenty of benches, the mall lets you focus on exercising and removes all of the “what ifs” that come with aging. Most malls are also outfitted with EMT kits in the event of a medical emergency.
Today, malls are the second-most popular places to walk in America, after neighborhoods. Mall walking has become so big that many communities and senior living centers have put together official groups to stride together. Your local mall may already open early to accommodate walkers. So if you’re looking to make friends in an active, fun-loving community, do some research. Chances are there’s a mall-walking club near you!
to walk a few laps. Safe and convenient, “mall walking” has become
one of the biggest trends in senior fitness.
Cool in the Summer, Warm in
the Winter
Squeeze in Some Shopping
This time of year, heatstroke can be a real concern when exercising outside. But that doesn’t mean you have to be a
It is still a mall, after all. Why not check a few items off your shopping list or reward yourself with a new pair of sneakers?
Every day we are grateful to you, our clients. We appreciate your continued trust in us as we work together to navigate the road to financial security prior to and during your retirement years. It means a lot to us when you introduce your friends and family to us so we can help them achieve financial independence too! THANK YOU!
Welcome to our new clients! Paul and Roseanna A., Shirley H., Kathy R., Jane T., Rob and Teresa M., Patricia S., Patti G., John and Debra D., Rick and Kimberly R., Patricia M., and Dayna W.
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Declare Your Financial Independence 2 Mistakes Keeping You From Financial Freedom
2. You’re living beyond your means. Many people are guilty of this during both their working years and their retirement years. It is so important to be aware of your incoming money and your outgoing expenses during all stages of your life so that you aren’t setting yourself up for failure. If you have made or are making these mistakes, don’t beat yourself up! A lot of people make poor decisions regarding their finances, but you can still come back from it. The first step is to schedule a visit with a professional retirement advisor who can help set you on the right path to becoming financially independent. Fortune Magazine published a study which revealed that people with written retirement plans end up with approximately five times more money in retirement than people who do not have written retirement plans. It literally does not pay to “wing it” in retirement. A retirement plan in writing is your proven roadmap to financial freedom, and your retirement advisor will help you assess your specific and unique situation and then figure out how to achieve success. Ready to declare your financial independence? Call us, your retirement experts, at 904-232-8760 to learn how to create a written plan designed for your dream retirement.
“Financial freedom” isn’t just a catchy buzzword — it’s a lifestyle millions of Americans dream about. Being financially free means getting to enjoy at least eight hours of uninterrupted sleep every night, spending time on hobbies you enjoy instead
of working longer than you have to, and having peace of mind knowing you won’t run out of money during retirement. When you have financial independence, your life becomes your own and isn’t at the mercy of your next paycheck.
Everyone wants financial freedom, but few people actually achieve it. If you are
struggling to become financially independent, ask yourself if you are making these two common mistakes:
1. You didn’t aggressively save during your early working years. It’s not enough to just save money. You also need to give your money time to grow! The power of compounding interest can make a huge difference in your savings. Simply stated, compounding interest means that you begin to earn interest income on your interest income, resulting in your money growing at an ever-accelerating rate!
Sudoku
This take on the classic Italian sausage and peppers uses fully cooked Polish kielbasa so you can prep the kabobs and bring them to your next cookout.
INGREDIENTS
• 2 pounds fully cooked smoked kielbasa • 2 large onions • 2 green bell peppers
• 3 red bell peppers • 2 cloves garlic, minced • 1/4 cup olive oil • Salt and pepper, to taste
DIRECTIONS
1. Heat grill to medium. 2. In a small bowl, combine oil, garlic, and a pinch of salt and pepper. 3. Cut pepper, onion, and kielbasa into 1-inch chunks. 4. Thread onto skewers, alternating ingredients. 5. Brush with oil mixture and grill, covered, 10–12 minutes.
[NOTE: If using bamboo skewers, soak in water for 30 minutes before threading to prevent burning.]
Solution
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
INSIDE
• Leaving a Legacy PAGE 1
• The Benefits of Mall Walking PAGE 2
• Thank You! PAGE 2
• Stop Making These Common Financial Mistakes PAGE 3
• Kielbasa Kabobs PAGE 3
• Must-See Swimming Holes of the World PAGE 4
Secret Swimming Holes of the World Exclusive Spots You Must See to Believe
Tips forYourTripBack inTime
Summertime is for swimming, but why settle for a community pool when you can have access to the most beautiful swimming locales in the world? These three exclusive, little-known spots are sure to take your breath away. Hali’i Falls, Hawaii With its spiral staircase of waterfalls, this remote jungle location offers up more than one unique spot to take a plunge. Visitors never fail to be awestruck by the deep blue-green hue of each pool created by the four cascading waterfalls. Hali’i means “to spread out,” which is precisely what each waterfall does, showcasing a serene experience unlike any other. But the beauty of this one-of-a-kind experience is only outdone by its exclusivity. To reach these pools, you’ll have to hike through dense
forest, deep marshes, and wide-open pastures of sugar cane.
Dos Ojos, Mexico The Spanish translation of the name for this magical system of caves is “two eyes,” and you’ll want to have yours checked after you see this swimming hole. When limestone bedrock collapses, a sinkhole called a “cenote” is formed. The unearthed water from the natural aquifer balances a color palette of earth tones with the most majestic shades of blue you’ll ever behold. The calling cards for these bodies of water are the Blue Eye and the Black Eye. Both offer unforgettable experiences, but the price of entry is a hefty sense of adventure. You’ll need a full set of scuba gear to get to either hole.
The Baths, Virgin Gorda A day in the Caribbean is like living every moment inside a beautiful pastel painting. The elegance of this location in the British Virgin Islands will make you feel like you’ve been transported into a cathedral. The large boulders and natural rock formations create shallow caves that will captivate your eyes as you wade through the water in wonder. When you exit, you’ll witness the sight that gives this beautiful spot its name: A handful of 40-foot granite boulders form private pools as if that was what they were made for.
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