Check out our November newsletter!
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
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November 2023
THANKSGIVING WISHES FROM OUR HEARTS TO YOURS
As Thanksgiving approaches, it is with a heart full of gratitude that I take a moment to reflect on the blessings of the past year and to acknowledge and give thanks to our higher power. Thanksgiving isn’t just about turkey and pumpkin pie; it’s about taking the time to express our deepest appreciation for the people and moments that enrich our lives. At this special time of year, I want to extend my warmest wishes to all of you and your beloved families and to thank you for the trust and confidence you have placed in us. This past year has been marked by both blessings and challenges alike. Many of you may have experienced the gift of the birth of a newborn or the unfortunate inevitability of losing a loved one. Some have entered retirement, while others have endured sickness. Some of you may have sold a home and/or purchased a new one. From the pandemic to economic fluctuations, our lives and financial landscapes have seen significant changes. Through it all, I’ve been witness to the remarkable resilience, adaptability, and strength displayed by our clients. Financial planning is a journey, one that requires trust, collaboration, and as mentioned previously, adaptability. It’s We have received many comments on how interesting and informative our webinars have been. As we move into 2024, we are looking forward to more subjects and topics that are important and relatable to you! REMEMBER, simply by registering for our webinars, you will automatically receive a recorded version whether or not you attend the webinar!
not only about the numbers — it’s about helping you, our valued clients, achieve your goals, provide for your loved ones, and secure your financial future. Over the years, I’ve had the privilege of walking this path alongside you, and I’m grateful for the opportunity to continue doing what I love to do for you. Next year, we will celebrate Wolf Retirement Navigation’s 10th anniversary, a milestone I’m proud to have reached. It has been a decade of work that is emotionally gratifying and intellectually stimulating, and I’m forever thankful. Financial planning is a collective effort — one that I enjoy working on with each one of you. It’s about working together, sharing insights, and making informed decisions. Your active participation in this process has been an integral component in your achieving financial success. I appreciate our open dialogues and look forward to many more as we continue to navigate life’s changes. What is important to you is important to me. Gratitude has the incredible ability to transform lives. It shifts our focus from what we lack to what we have, from challenges and uncertainty to opportunities and hope. This Thanksgiving, I encourage you to take a moment to reflect on the many blessings in your life, both big and small. It’s in acknowledging these blessings that we find contentment and fulfillment. This Thanksgiving, I am thankful for you. You have become a part of our extended family, and your support, loyalty, and trust have been instrumental in our journey! From our family to you and yours, and from our hearts to yours, Happy Thanksgiving!
-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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Master the Challenge of Cooking for 2
There’s one part of empty nesting almost no one talks about: After feeding a family for years, how do you rethink your kitchen to cook for two? Classic recipes like pot roast and roast chicken are challenging to cook in two-person portions and will create a metric ton of leftovers. But that doesn’t mean you have to eat from your freezer for weeks or survive on cereal and pizza rolls! Here are three tips to help you cook for two without compromising healthy eating. 1. Meal plan like you’re a young parent again. This will be a familiar tactic for big families. Back in the day, you probably had “Taco Tuesdays” and “Pizza Fridays” to keep your grocery shopping on track and your kids happy. Now, it’s time to develop a new meal plan! Work with your partner or spouse to choose
your favorite recurring meals and find new two-person recipes that fit your preferences. If you’re not sure where to start, consider using a digital meal- planning tool. The editors at CNN recently compared the top meal-planning apps and recommend downloading the premium version of Eat This Much (EatThisMuch.com). It costs $9 per month, and you can use it from your phone or computer. Once you choose your recipes, it will automatically create a grocery list and even give you the option to order grocery delivery! 2. Invest in a meal kit service. If you’re exhausted by cooking and don’t want to build a new repertoire, you might want to use meal kits through your golden years. Dozens of companies will deliver ready-made meals or pre-portioned ingredients directly to your door, including Blue Apron, HelloFresh, Sunbasket, Home Chef, Dinnerly, EveryPlate, and Purple Carrot. Read up on each service (they’re all recommended for two!), and choose the best fit for your diet and budget. A meal kit can be a permanent fix or a temporary tactic to find two-person recipes you love. 3. Turn to the experts. For more inspiration and advice, pick up books like “The Complete Cooking for Two Cookbook” by America’s Test Kitchen or “One Pan, Two Plates” by Carla Snyder. If all else fails, buy backyard chickens — they’re fantastic at gobbling up leftovers!
A YEAR OF MILESTONES: Andrea Has BIG News to Share!
Many, if not all of you, know and love Andrea, our director of first impressions. Last year, on October 16, 2022, she and her husband got married, and now, a year later, they are thrilled to announce they have a tiny bundle of joy on the way! Last month, Andrea and her husband, Malcolm, celebrated their first-year anniversary in Orlando with a quaint stay at a beautiful hotel. They enjoyed visiting some new restaurants and taking some time to relax before they become parents to a newborn baby in February 2024. In May, Andrea found out she was pregnant. Her husband is already a father to two girls, ages 16 and 18. When the pregnancy test results were revealed, they were hit with a wave of excitement, nervousness, and happiness.
Just a few weeks ago, Andrea, her husband, and her mom, along with the help of Disney’s “Magical Moments” team, made their baby’s gender reveal extra meaningful and special at Magic Kingdom. They took adorable photos throughout the park, including in front of Cinderella’s Castle and Wishing Well, with a onesie that read, “New Disney Pass Holder Coming Soon.” For the reveal, Andrea’s mom was the keeper of the envelope with the gender reveal inside. She was also tasked with purchasing either a Mickey Mouse or a Minnie Mouse plush doll and had a Mickey hat with the gender engraved on it. While Andrea and her husband stood next to the Wishing Well and closed their eyes, her mom handed her a MINNIE MOUSE plush doll! Andrea and Malcolm are having a baby girl!
We are thrilled for Andrea and her husband and are so excited to welcome their little girl into our Wolf Retirement Navigation family! Congratulations, Andrea — we love watching your family grow!
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JaxPAL ‘29029’ Fundraiser 2023: A Night of Success, Celebration, and Generosity Our 2023 JaxPAL “29029” fundraiser was a great success! We had a fabulous time mingling with familiar faces and meeting new folks. Not only did we celebrate Adam’s successful return from his “29029” hike at Snow King Mountain in Jackson Hole, WY, but we were also proud to present a check for $10,000 to JaxPAL, an amount reflecting the highest number of participants and contributions than that of any previous year! We would like to thank our very generous donors for their continued support of the wonderful children and staff of JaxPAL, and we look forward to the next get-together with our valued clients!
Take a
Break!
Everything-Seasoned Dinner Rolls
Inspired by RealSimple.com
INGREDIENTS
• • •
Cooking spray
• •
1 tbsp honey
20 frozen dinner rolls 2 tbsp unsalted butter
2 tbsp everything bagel seasoning
DIRECTIONS
1. Coat a 13x9-inch baking pan with cooking spray and arrange frozen rolls in the pan to thaw according to package instructions. 2. Preheat oven to 350 F. Then, melt butter and honey together in the microwave or on the stove. Once the rolls thaw, brush butter mixture over the rolls and sprinkle seasoning on top. Bake for 15–20 minutes, or until golden, and serve these tasty rolls straight out of the oven!
Solution on Page 4
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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
OPEN ENROLLMENT FOR MEDICARE (Starts October 15 and continues through December 7 each year.) HAVE QUESTIONS? WE CAN HELP!
INSIDE
Transforming Lives Through Gratitude: A Thanksgiving Message PAGE 1 Empty Nest, Full Flavor: Tips for 2-Person Meals PAGE 2 Andrea’s Magical Announcement PAGE 2 JaxPAL ‘29029’ Fundraiser 2023 Was a Success! PAGE 3 Everything-Seasoned Dinner Rolls PAGE 3 Pack These 4 Items for the Best In-Flight Experience PAGE 4
ELEVATE YOUR TRAVEL EXPERIENCE Unconventional Items to Pack on Your Next Flight
When preparing for your flight, it’s essential to pack the basics, such as clothing, medications, toiletries, and your travel documents. However, there are some surprising and often overlooked items that can greatly enhance your flying experience. These unexpected additions in your carry-on can make your air travel experience more comfortable, enjoyable, and stress-free. Electrolytes Flying is dehydrating! Because airplane cabins are kept at a lower humidity level, your body dehydrates quicker than normal. To help keep your body hydrated without a dozen trips to the bathroom over the course of your flight, pack some electrolyte packets to mix into your
hyper kids traveling alongside you. Noise-canceling headphones can provide a peaceful oasis amidst the hustle and bustle of the airplane. They block out ambient noise and allow you to relax, listen to music, or enjoy in-flight entertainment without any distractions. Compression Socks Wearing compression socks on an airplane is crucial for maintaining healthy circulation during long flights. Prolonged periods of sitting can lead to blood pooling in your legs, causing swelling, poor circulation, and even deep vein thrombosis (DVT). Compression socks apply gentle pressure to your legs, reducing discomfort and circulation complications. Portable Charger While you may have remembered to pack your plug-in phone charger, bringing along a portable charger and power bank is a lifesaver! Sometimes, finding an available charging station in a crowded airport can be tricky. But having a backup power source on the plane makes it possible to keep your devices charged throughout your journey! When packing for your next flight, don’t forget to include these trip- saving items in your carry-on for a more pleasant travel experience — you’ll be glad you did!
water. Speaking of water, pack an empty water bottle with you, and after passing through security, you can fill it up at a water fountain! Noise-Canceling Headphones Flights can be noisy. You can never predict crying babies, loud talkers, or
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