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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:
March 2025
The Value of Time MY PERSONAL REFLECTION
As I sit at my desk, surrounded by family photos and mementos from the many milestones of my life, I’m reminded daily of the incredible value of time. Having spent years working with clients approaching or already in retirement, I’ve come to appreciate time’s true worth. It’s a precious commodity, not just measured in hours and minutes but in moments and memories. The Past — a Treasure of Memories Looking back, our past is a collection of valuable experiences. These memories shape who we are and serve as tangible and intangible remembrances of our life’s journey. At Wolf Retirement Navigation, we understand the sentimental value of the past. Every client’s life story is unique and filled with cherished memories. Our goal is to ensure your retirement years honor your past, allowing you to reflect and celebrate your own special recollections and milestones. The Present — Guarding Your Time The present is where we live, and every day presents a new opportunity to make
memories. As someone who has dedicated their career to helping others navigate their retirement journeys, I recognize the importance of protecting your time today. Time is fleeting; you deserve to spend it doing what you love, not bogged down by financial worries or complexities. This is where Wolf Retirement Navigation steps in. We take on the research, planning, and heavy lifting so you don’t have to. Our team is committed to providing you with the peace of mind that comes from knowing every detail of your financial future is meticulously managed. We guard your time as if it were our own, allowing you to live fully in the present. The Future — a Canvas of Possibilities The future is an open book, waiting for you to color the pages with your dreams and aspirations. As you approach or live in retirement, it’s essential to think about how you want to spend these years. Retirement isn’t just an end — it’s a new beginning, a chance to create more precious memories with loved ones. At Wolf Retirement Navigation, we envision a future where you can retire and stay retired without a shadow of financial worry. We develop personalized strategies that align with your goals, ensuring your financial stability is as steadfast as your dreams. Our mission is to help you make the most of every moment, from remembering and
honoring the past to living in the present and planning for the future.
A Personal Note — Capture Every Moment On a personal note, the value of time truly resonates with me. I firmly believe in savoring life’s moments, no matter how small. Whether watching a sunrise or sunset with my family or capturing a candid smile in a photograph, these moments are irreplaceable. They remind us why we work so hard — to create a life rich with experiences and connections. Time is the greatest gift we have. It’s the thread that ties our past, present, and future together. All of us here at Wolf Retirement Navigation are dedicated to safeguarding your time, ensuring you can enjoy every chapter of your life’s story without worry. After all, the memories we make today will fill our hearts tomorrow. Take the pictures, make the memories last, and let us handle the rest.
“Our goal is to ensure your retirement years honor your past, allowing you to reflect and celebrate your own special recollections and milestones.”
-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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Scout’s Meaningful Mission A BLACK LAB’S ROLE IN TRANSFORMING A VETERAN’S LIFE
For former U.S. Army Cavalry Scout Ryan Finch, life after his tour of duty was a battlefield of its own. Haunted by PTSD (post- traumatic stress disorder) and the weight of his experiences, Ryan struggled to navigate even the simplest moments of daily life. But then Scout came into his life and became a lifeline, a symbol of hope, and a steadfast partner in his journey toward healing. Scout, a vibrant black Lab, has done more than help Ryan manage his anxiety; he’s transformed his world. Crowds and loud noises, once overwhelming triggers, are now manageable with Scout by his side. Soccer games, family gatherings, and the everyday joys of life that once seemed impossible are now part of Ryan’s new normal. Scout’s presence allows Ryan to enter spaces he never
thought he’d enter again, not as a man weighed down by his past, but as a father, a husband, and a human being rediscovering connection. The story of how Scout came into Ryan’s life feels almost destined. Before his deployment, Ryan and his wife had adopted a black Lab, coincidentally named Scout, who died before Ryan went overseas and whose loss Ryan never truly reconciled as he was away from home. So, when Ryan arrived at K9s For Warriors, and the trainers introduced him to his new service dog — a black Lab named Scout — it was a moment of profound healing and renewal. It was as if life had come full circle, offering Ryan a second chance at hope. K9s For Warriors is a testament to the life-changing power of service animals.
Determined to combat the devastating reality that 20 veterans die by suicide every day, this program rescues and trains dogs to become service animals for veterans grappling with PTSD, traumatic brain injury, and military sexual trauma. The result is transformative. Veterans find independence, confidence, and purpose, while rescue dogs gain a life of devotion and meaning. The impact is undeniable. Graduates of the program report mended family relationships, reduced medication reliance, and renewed joy in life. Ryan’s wife has seen the change firsthand, describing her husband as more engaged, animated, and hopeful for the future. Scout symbolizes resilience and proves that an incredible bond can heal even the deepest wounds.
OUR NEW CLIENT SERVICE SPECIALIST Say Hello to Caroline!
We’re excited to introduce Caroline, the newest member of our team at Wolf Retirement Navigation, to you! As our Client Service Specialist, Caroline will work closely with our clients, assist with administrative tasks, and ensure every interaction is smooth and seamless. She’s also earning her health and life insurance certification, which will allow her to provide even more support to our clients. Caroline comes to us with a strong background in customer service and finance. She recently earned her bachelor’s degree in finance from the University of North Florida in May 2024 and has always had a passion for financial planning (it runs in her family). She knew she wanted to build a career in finance; and when she found us, she saw the perfect opportunity to combine her skills and her desire to help people prepare for their futures. While working through college, she balanced her studies and prepared for a career in financial services. She understands the importance of
building relationships and is excited to bring that same level of care and attention to our clients here at Wolf Retirement Navigation. On a personal note, Caroline’s world became even more exciting in August 2024 when she welcomed her first child, a baby boy! She describes these last few months as the longest and shortest six months of her life — the days are long, but the months fly by! Being a new mom has given her an even greater appreciation for financial planning and preparing for the future. In addition to enjoying her career, Caroline loves being outdoors and spending time with her family, friends, and two rescue dogs — brothers from the same litter she adopted a year apart. She’s also a huge Jacksonville Jaguars fan, as evidenced by her season tickets, and enjoys attending games (even when the team has a rough season)! We’re thrilled to have Caroline aboard and know our clients will love working with her. Please join us in welcoming Caroline to the Wolf Retirement Navigation family!
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Take a BREAK!
RETIREMENT PLANNING DOESN’T HAVE TO BE COMPLICATED
LET’S SIMPLIFY IT
Not Your Mom’s Corned Beef and Cabbage
Many myths often surround retirement planning. Sometimes, clients come to us with concerns about something they heard through the grapevine that completely throws us for a loop. Planning for retirement isn’t about guesswork or extremes — it’s about understanding what’s real and what’s not so you can make informed decisions. Myth No. 1: ‘I need to be a millionaire to retire comfortably.’ While having a million dollar nest egg sounds great, the reality is that your ideal retirement number depends on your lifestyle, expenses, and other sources of income. Some people need more; some need less. The key is to have a plan that takes into account your expected costs, investments, and potential income streams like Social Security or rental income. Myth No. 2: ‘Social Security will cover everything.’ Social Security is an important piece of the puzzle, but it was never meant to be the only source of retirement income. The average monthly Social Security benefit is around $1,900 — enough to help but not enough to fully support most people. That’s why it’s essential to have additional savings, investments, or passive income sources to fill in the gaps. Myth No. 3: ‘I’m too young to start planning for retirement.’ The earlier you start, the better. Thanks to compound interest, even small contributions to a retirement account in your 20s or 30s can grow significantly over time. If you’re in your 40s or 50s, don’t worry. It’s never too late to start making smarter financial moves to secure your future. Myth No. 4: ‘I should avoid investing because it’s too risky.’ While all investments carry some level of risk, keeping all your money in a savings account won’t help it grow. A well-diversified portfolio with a mix of stocks, bonds, and other assets, such as annuities, can help manage risk while still providing growth potential. The bottom line is that retirement planning doesn’t have to be overwhelming. Understanding the realities and busting the myths can help you take control of your future with confidence. The best plan is the one tailored to you. So, together, let’s build the retirement you deserve!
Inspired by AllRecipes.com
INGREDIENTS •
1 (4 lb) corned beef brisket with spice packet
• • • • • • •
3 qts water
1 onion, quartered
3 carrots, cut into large chunks 3 celery stalks, cut into 2-inch pieces
1 tsp salt
2 lbs red potatoes, halved
1 small head of cabbage, cut into eighths
DIRECTIONS
1. In a large pot or Dutch oven over medium-high heat, combine corned beef, spice packet contents, water, onions, carrots, celery, and salt. Bring to a simmer (skimming off any foam on top). 2. Cover pot, reduce to low heat, and let simmer for 3 hours until meat is fork tender. 3. Add potatoes to the pot and let simmer uncovered for 30 minutes or until potatoes are al dente. 4. Add cabbage along the edges of the meat and on top. Cover and let simmer until cabbage is tender, 20–30 minutes. 5. Place meat on a cutting board and let rest for 10–15 minutes. After meat has cooled, slice against the grain. 6. Add to a large serving bowl, ladle vegetables and broth over top, and serve.
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
Time Is Your Greatest Asset PAGE 1 K9s For Warriors Is Saving Veterans, One Rescue Dog at a Time PAGE 2 We’re Growing! Meet Caroline! PAGE 2 4 Retirement Myths That Could Be Holding You Back PAGE 3 Not Your Mom’s Corned Beef and Cabbage PAGE 3 Pit Stops Along the Alaska Railroad You Can’t Miss PAGE 4
Why Traveling Alaska by Train Beats the Cruise Ship ALL ABOARD THE ALASKA RAILROAD!
While Alaskan cruises get all the buzz, traveling the Last Frontier by train offers an equally breathtaking — and perhaps more intimate — experience. With panoramic views, unforgettable pit stops, and access to remote regions, the Alaska Railroad delivers a journey unlike any other. Imagine gliding through the rugged wilderness in a GoldStar Dome car, where glass ceilings offer a 360-degree view of snow-capped peaks and glistening glaciers. For the adventurous, the outdoor viewing platform lets you immerse yourself in the stunning scenery while breathing in the clean, crisp Alaskan air. Whether you choose the premium GoldStar class or the more budget-friendly Adventure Class, you’ll be awed by Alaska’s natural beauty. The Alaska Railroad operates year-round with five seasonal routes, each brimming with wonder. The Coastal Classic is any
traveler’s dream, winding from Anchorage to Seward along the Turnagain Arm waterway. Highlights include spotting bald eagles and hopping on a boat at Resurrection Bay to explore Kenai Fjords National Park, famous for its orca whale sightings. For those drawn to Denali’s majesty, the Denali Star is your ticket. This flagship route connects Anchorage to Denali National Park, offering stops like Talkeetna, a charming artsy town and basecamp for climbers scaling Denali. It’s a 12-hour journey of awe-inspiring landscapes and rich history. The Glacier Discovery route takes you south from Anchorage to Girdwood, Whittier, and the Spencer Glacier. Whittier is a standout destination with its sleepy charm and world-class Alaskan fish. This train provides remote access to places you can’t reach by car, making the trip a unique experience.
And if you’re looking for an offbeat adventure, the Hurricane Turn and Aurora Winter trains cater to locals and intrepid travelers alike, offering stops by request and transporting you into the heart of Alaska’s untamed backcountry. With the Alaska Railroad, the journey is as memorable as the destination. Whether you’re marveling at wildlife, enjoying a sit-down meal, or booking excursions to explore iconic landmarks, every mile of track is packed with adventure.
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