Wolf Retirement Navigation July 2018

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

2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island

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