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BUILDING SMARTER PLANS AND LIFELONG PARTNERSHIPS
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February 2026
A Clearer Vision of What We Love
As we step into February, I’m reminded that vision isn’t just about seeing the road ahead -- it’s about remembering why we’re walking it in the first place. Last month, we talked about sharpening our financial vision for 2026: clarifying goals, removing the fog of uncertainty, and focusing on what truly matters. This month, with Valentine’s Day on the calendar, that theme naturally deepens. February invites us to look not only forward, but inward, toward the people we love and the legacy we’re building for them. In my conversations with families, one truth always rises to the surface: Financial planning is an act of love. It’s not about charts, accounts, or market cycles. It’s about creating
What do you want life to feel like for the people you love? What memories, values, or opportunities do you hope to pass on? What steps today will make tomorrow easier for those who matter most? Legacy isn’t built in a single moment. It’s shaped through steady intention, the same way love is. And when your financial vision aligns with your heart, the path forward becomes clearer, calmer, and more meaningful. As always, I’m here to walk that path with you. Whether you’re refining your retirement plan, updating your beneficiaries, or simply
wanting to make sure your vision still matches your values, February is a beautiful time to reconnect with the purpose behind your planning. Here’s to a month filled with clarity, connection, and the kind of love that lasts far beyond a single day on the calendar. Warmly,
stability for a spouse, opportunity for a child, dignity for ourselves, and peace for the people who will one day carry our story forward. Love shows up in many forms: a parent saving consistently, a couple reviewing their plan together, a retiree making sure their legacy is clear and protected. These are quiet gestures,
but they speak loudly. They say, “I care about your future, even when I’m not there to see it.” This month, I encourage you to revisit your vision with that lens.
-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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DELICIOUS FOODS THAT POWER YOUR BRAIN THINK BETTER, REMEMBER MORE
You’ve likely heard the saying “you are what you eat,” but when it comes to memory, that’s more literal than you might think. Your brain is constantly working to process, store, and recall information, and it requires the right fuel to stay sharp. However, certain foods can actually improve memory, focus, and overall brain health. Here’s what to load up on next time you’re at the grocery store. Fatty Fish If your brain had a favorite food, it would probably be salmon. Fatty fish like salmon, sardines, and trout are full of omega-3 fatty acids, especially DHA and EPA, which are crucial for building and maintaining brain cells. These healthy fats also enhance communication between brain cells, which aids in memory and learning. If you’re not a seafood fan, you can still get omega-3s from plant-based sources like walnuts, chia seeds, and flaxseeds.
Berries Don’t underestimate these colorful little powerhouses. Blueberries, strawberries, and blackberries are packed with antioxidants called flavonoids that help protect your brain from oxidative stress (basically, brain “rust”). These compounds can also boost communication between brain cells, which may help slow cognitive decline and improve short-term memory. Try tossing a handful of berries into your morning oatmeal or smoothie for an easy boost. Leafy Greens and Veggies Spinach, kale, broccoli, and other leafy greens are rich in nutrients such as vitamin K, lutein, and folate, which are associated with improved cognitive function. These nutrients promote healthy blood flow to the brain and protect against inflammation. Studies even suggest people who eat a
daily serving of greens have the memory of someone years younger. Not bad for a salad, right? Whole Grains and Nuts Your brain runs on glucose, and whole grains provide a slow, steady supply of it, helping to keep you alert and focused. Brown rice, quinoa, and oats help maintain balanced energy levels, while nuts (especially almonds and walnuts) add vitamin E, another nutrient tied to improved memory and slower cognitive aging.
What to Review Before Tax Day Avoid the Last-Minute Rush
Tax season has a way of sneaking up on everyone, even retirees who feel like they’ve finally earned a break from paperwork. Some preparation now can save you stress, time, and potentially money later on. Here’s a practical check-in on what to focus on before you file. Documents to Gather Now Start by pulling together the basics. This includes Social Security Benefit Statements (SSA-1099), pension income forms, and any 1099s for interest, dividends, or investment sales. If you have multiple brokerage accounts, make sure you’ve received all consolidated 1099s because these sometimes arrive later than others. Don’t forget records for medical expenses, property taxes, and mortgage interest, as well as prior-year tax returns, which can be helpful references. Having everything in one place early prevents last-minute scrambling. RMD Reminders If you’re age 73 or older, Required Minimum Distributions (RMDs) should already be on your radar. RMDs from traditional IRAs and certain retirement accounts are taxable income, and missing them can result in penalties. Double-check that you took the correct amount by the deadline (generally Dec. 31). If you have multiple IRAs, remember that while the total RMD can be aggregated, you
must handle employer-sponsored plans like 401(k)s separately. A quick review now can help avoid unpleasant surprises.
Charitable Giving Receipts and QCDs Gather receipts for any donations made during the year, especially if you itemize deductions. If you used Qualified Charitable Distributions (QCDs) from an IRA, available once you reach age 70 1/2, make sure you properly document those amounts. QCDs can satisfy RMDs while keeping the distribution out of taxable income, but only if reported correctly. Clear records make all the difference. Why Filing Early Matters An early start reduces the risk of tax-related identity theft, speeds up refunds if you’re owed one, and gives you more time to address issues if something’s missing or incorrect. It also allows for proactive tax planning. If you owe more than expected, you’ll have time to explore payment options without pressure. A little organization today can lead to fewer headaches and more confidence when it’s time to file.
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Take a BREAK!
A SMARTER WAY TO RETIRE Heart health and wealth are more connected than most of us realize, especially as we think about retirement. The choices we make today, from what we eat to how we manage stress and money, shape our future quality of life. However, one of the greatest wake-up calls is the cost of health expenses. Health care costs are often one of the largest and most underestimated expenses in retirement. Chronic conditions, prescriptions, and unexpected medical events can quickly erode savings if you don’t plan for them. That’s why proactive financial planning matters just as much as proactive self-care. When we invest in our health now, we don’t just add years to our lives; we protect the wealth we’ve worked so hard to build. Long-term care planning is another crucial piece of the puzzle. Whether it’s in-home support, assisted living, or specialized care, these services can be costly and emotionally taxing without a plan. Thinking ahead allows you to make choices on your terms, rather than under pressure later. Staying financially and physically fit in retirement comes down to daily habits. Small, consistent actions compound over time, much like smart investing. Our team lives this philosophy, each in their own way. Andrea reminds us that health isn’t just physical; it’s emotional and mental, too. Her practice of saying “no” and honoring boundaries protects time and energy, which are priceless assets. As Anne Lamott, American novelist and nonfiction writer, wisely said, “’No’ is a complete sentence.” Caroline starts every morning by squeezing a fresh lemon into 16 ounces of water before anything else. It’s a simple ritual that supports hydration and digestion before the day gets busy. Robin fuels her mornings with intention, adding protein and collagen to her coffee. For someone who isn’t a breakfast person, it’s a practical way to jumpstart nutrition without overthinking it. Eileen’s foundation is spiritual. By praying the rosary each morning, she centers her health, wealth, and happiness in faith, confidence, and gratitude, an important part of well-being often overlooked. Adam keeps it green. Whether it’s a quick shake or a blended smoothie with spinach, fruit, and protein, his habit supports energy and long-term vitality. Ultimately, retirement success isn’t just about numbers on a spreadsheet. It’s about having the health, clarity, and resources to enjoy the life you’ve planned. When heart health meets wealth planning, everyone wins. Protecting Your Health, Protecting Your Wealth
HOT HONEY-INFUSED FETA CHICKEN
INGREDIENTS • 2 large boneless skinless chicken breasts • 1 tsp salt • 1/2 tsp black pepper • 1 tbsp olive oil • 3 tbsp hot honey
• 2 cloves garlic, minced • 3 tbsp crumbled feta cheese • 2 tsp fresh rosemary chopped (or thyme) • 1 tbsp lemon juice (optional)
DIRECTIONS
1. Pat chicken dry and season both sides with salt and pepper. 2. In a skillet over medium-high heat, heat olive oil. 3. Sear chicken for 2–3 minutes on each side until golden. 4. In a small bowl, mix hot honey and minced garlic to create a glaze. 5. Place the seared chicken in a baking dish. Pour the hot honey mixture over top. 6. Sprinkle chicken with crumbled feta, then rosemary or thyme. 7. Bake at 400 F for 20–25 minutes, or until internal temperature reaches 165 F. 8. Optional: Broil for 1–2 minutes for extra caramelization. 9. Let rest for 5 minutes. Garnish with lemon juice and extra herbs before serving.
Inspired by LadySavor.com
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904-232-8760 wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Building a Legacy That Reflects What Matters Most PAGE 1 A Sharper Memory Starts on Your Plate PAGE 2 A Simple Tax Prep Guide for Retirees PAGE 2 Heart Health and Wealth Go Hand-in-Hand PAGE 3 Hot Honey-Infused Feta Chicken PAGE 3 Island Hop on a Hassle-Free Adventure to These Travel Destinations PAGE 4
Set Sail on a Getaway That Keeps Things Simple
A CRUISE WHERE YOUR PASSPORT CAN STAY HOME
Have you been dreaming of a getaway, but the thought of renewing your passport is too much? Don’t worry, you can set sail without leaving the country. Passport-free cruises make it easy to explore charming towns, sunny beaches, and vibrant ports, all while keeping the logistics simple. Canada and New England Adventures Who says you need a passport to explore charming cobblestone streets, colorful harbors, and breathtaking fall foliage? Cruises from Boston, New York City, and Cape Liberty (New Jersey) make it easy to experience the magic of Canada and New England. Stroll through Halifax, Nova Scotia, savor lobster in Portland, Maine, or take in the quaint charm of Bar Harbor. With Norwegian Cruise Line, you can enjoy a journey hitting all these spots
Bahamian Bliss Florida’s sunny ports are your gateway to The Bahamas. From Miami, Port Everglades, or Port Canaveral, you can hop on a Carnival or Disney cruise for a few nights of fun. Disney Cruise Line’s three-night Bahamian adventure aboard the Disney Wish includes Nassau and the legendary Disney Castaway Cay. Sand, sun, and smiles await without ever leaving U.S. waters. Bermuda Bound Just 570 miles off North Carolina, Bermuda is a perfect East Coast escape. Departing from New York City, Boston, Norfolk, or Miami, you can enjoy sandy pink beaches, historic Hamilton, and the charm of St. George. Carnival and Oceania offer cruises with relaxing days at sea and island adventures, perfect for a tropical getaway close to home.
before returning to the Big Apple. Sun, Sand, and Caribbean Vibes
If turquoise waters and golden beaches are more your style, the Caribbean is calling, and you don’t need a passport if you start from U.S. ports like Miami, Tampa, or Fort Lauderdale. Regent Seven Seas invites travelers aboard the Wonders in the Caribbean cruise, stopping in the Cayman Islands, Belize, Mexico, and more. For
From the historic streets of New England to the sparkling waters of the Caribbean, these passport-free cruises make it easy to see the world while keeping things simple.
a tropical twist, Royal Caribbean’s Southern Caribbean Holiday cruise begins in San Juan and visits Barbados, Trinidad, Tobago, and St. Maarten.
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