RET IREMENT NAV IGAT ION
4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
4711 US Highway 17 Suite C-5 Fleming Island, FL 32003
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SIMPLE RULES TO ENJOY SPRING
Why Worry About What You Can’t Control?
F irst things first — it’s April, and I want to wish a very happy birthday to my daughter, Isabella! She’s turning 7 this year, and I just can’t believe it. She’s a really cool kid, a wonderful daughter, and I am extremely proud of her. At the risk of sounding biased, April is probably the second-best month to celebrate a birthday — right behind December, which just so happens to be when I celebrate my birthday. The weather in April is the start of spring, and you can really feel the potential for new beginnings. Once you finish spring- cleaning, you can kick back and enjoy life as spring transforms into summer. Unfortunately, I know a lot of people who aren’t even able to enjoy the springtime because they’re so worried about everything else all the time. I think we all know someone who’s a worrier. What if I lose my job? What if I get into a car accident? What if I forget my keys somewhere? This is the kind of person who is worried about getting COVID-19 from the coronavirus. I’m not saying we should never worry about anything and just sit back on the beach, singing “Kumbaya” all day long. Our worries can motivate us to work harder and make smarter decisions that protect our future. But worry can also be a slippery slope. When your fears get out 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
protect your savings against a big stock market decline. At Wolf Retirement Navigation, we help clients address their financial worries by showing them how to control the risk or “worst-case scenario” losses in their retirement portfolios before the uncontrollable happens. Clients of WRN who have invested in the market have tactical- managed accounts that look at risk as much as they focus on return potential. Another way to help address uncontrollable worries is by using WealthGuard™ electronic portfolio monitoring. This program helps to protect against the worst cases of market downturns and corrections. Each individual portfolio will shift to safety in the event of major losses based on one’s WealthGuard™ percentage target. Furthermore, most client portfolios include fixed indexed annuities which protect 100% of your principal and provide for reasonable growth potential to reduce overall risk in client portfolios. Life is full of worries. Focus on the worries you can control and let us focus on protecting you against uncontrollable market risks. This leaves you free to enjoy the important things in life like family birthdays and perfect spring afternoons. 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. -Adam Wolf, CPA, CFP ®
of hand, it’s time to learn the difference between controllable worries and uncontrollable worries. It’s easy to tell the difference. Are you worried about getting into a car accident? You can control much of that by being a safe defensive driver. Are you worried about the stock market crashing? That’s something over which you have no control. As a retirement planner, I’ve learned that when it comes to financial worries, the best approach is to be proactive and look at what you can control versus what you can’t control when it involves your finances. For example, a big financial fear my clients face is the fear of running out of money. This is a huge fear, one that’s completely understandable. But I’ve learned that this worry is completely controllable. You have already done the heavy lifting of saving for retirement. During retirement, the focus is to preserve and use your retirement savings to support your lifestyle. If you are a client, we have precautions in place to protect principal, whether through risk-adjusted tactical investing, bond positions, WealthGuard™ electronic monitoring, and/or 100% principal- protected fixed indexed annuities. You can’t control what the stock market will do, but you can control how much risk you have in the market and develop a portfolio that is designed to 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. investment decision. This information is designed to provide general
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3 Tips for Changing Careers Later in Life A Golden Opportunity in Your Golden Years
It’s 6:00 a.m. on Monday morning, and your alarm clock blares in your face. You groan and, with the thought of another week looming over you, pull yourself out of bed. But the early wake-up call is the least of your worries. Another week has begun, and you’re still stuck in a job that you no longer love or maybe never did. Does this sound familiar? If so, you may believe changing careers isn’t worth the hassle, especially if you’re close to retirement, but here’s the secret: It’s not too late! There’s nothing stopping you from finding a career you love later in life. Here are three tips to get you started. Be Flexible If it’s been a while since you’ve hunted for a job, then you may have forgotten what it’s like. Job searching can be exhausting, and some job requirements can look overwhelming. But getting stuck in your ways and focusing on the things you cannot do will only hinder your ability
happiest. What’s your dream job? What have you always enjoyed doing? If money wasn’t an option, what would you be doing right now instead of counting down the hours to 5:00 p.m.? Be realistic in your goals and find something you love. Seek Guidance Remember, you’re not alone in this fight! Plenty of people switch careers midway through their lives to focus on something they really enjoy. Seek guidance from those who have had a similar experience and look to professional job hunters or consultants for help. Furthermore, after years in the same job or industry, you’re bound to have made a few connections. Reach out for professional support. Regardless of what path you choose, remember that a career you enjoy is always possible. We can’t promise that you’ll love getting up at 6:00 a.m., but at least you won’t dread what comes next.
to find a job you actually love. Instead, take a deep breath and be open to what comes. You may discover a hidden talent or passion! Forget the Money Money matters, but it shouldn’t be your first priority on the job hunt. Instead, consider what’s going to make you the
How Florida Celebrates Earth Day THANK YOU, MOTHER EARTH
by investing in a steel or BPA-free plastic reusable water bottle.
Plant a tree. One of the most lasting ways to celebrate Earth Day is by planting a tree. In a single year, a mature tree will absorb more than 48 pounds of carbon dioxide from the atmosphere and replace it with oxygen. Plant a tree with your family to help clean our air for years to come.
Earth Day Celebration When: Saturday, April 25, 2020; 10:00 a.m. to 4:00 p.m. Where: Washington Oaks Gardens State Park, Palm Coast Each year, Washington Oaks Gardens State Park hosts an Earth Day celebration. Guests are invited to explore the beautiful park while enjoying live entertainment, raffles, and plenty of food and drink. This family-friendly event also features a number of activities for the kids. Bring the whole family to this neighboring gem to celebrate Earth Day in one of the most beautiful places in Florida. Due to health and safety concerns around COVID-19, some of these events may be affected. Please check the status of the individual events you plan to attend.
April 22 is Earth Day. This year, we’re celebrating the 50th anniversary of the world’s largest environmental movement. Since it began in 1970, Earth Day has helped people show their support for environmental protection. There are many ways we can make a positive impact on our world. Here are three ways you can celebrate Earth Day this year. Get a reusable water bottle. Staying hydrated is great for your health, and keeping a water bottle nearby helps you get all the H2O your body needs. But single-use water bottles send so much plastic waste into our landfills and oceans. Research shows that bottled water is no healthier or safer than tap water from your sink. Reduce your waste and save money
Visit Washington Oaks Gardens State Park.
Wolf Retirement Just an hour south of Jacksonville is Washington Oaks Gardens State Park. The formal gardens are the heart of this unique state park, where both native and exotic plants from around the world bloom. Trails for hikers and cyclists crisscross throughout the park, and
birding, picnicking, and fishing are popular year-round activities. This is a wonderful place to get in touch with nature.
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Don’t Rely on an Outdated Will 4 Reasons to Update Your Will This Spring
donation to the charities and churches you support. But be aware that your charity relationship can change with time. Maybe you’ve found a new nonprofit to support since you last wrote your will, or maybe the charity you included in your will no longer resonates with you like it once did. 4. One of your children has become your primary caregiver. If one of your children has dedicated a lot of time or money to your care, now is a good time to update your will to potentially express your gratitude to the family caregiver. Your will is a good place to explain your intentions and leave details to your family. Updating your will is something you never want to put off. The unexpected can happen at any time. When it does, your will needs to be able to carry out your final wishes.
require two; some states allow self-written wills and others do not. Talk to an estate planning lawyer to make
Life keeps changing. No matter how old you are, your life can still go through unexpected shifts. When these changes happen, you need to make sure your old will matches your new life. This month, we’re looking at four reasons why you may need to update your will ASAP.
sure your will is valid in your current state. If you do not have one, call the office for a referral.
2. Your beneficiaries have changed. A birth or death in the family is always a reason to update your will. You don’t necessarily have to update your will because your spouse has passed away, because most wills list alternate beneficiaries just in case a spouse dies first. But if you listed a child, other family member, or close friend in your will who has since passed away, you need to update your wishes.
1. You moved to a different state. If you moved states since you wrote your will, you need to update that document right away. Estate laws can differ dramatically from state to state. When you pass away, the laws in the state of your residence will be enforced, not the laws of the state where your will was written. Some states require only one witness signature while others
3. You found a new charity. Your will is an excellent place to give one final
Impress your family with this festive Easter lamb cake that’s as cute as it is scrumptious!
• 1 tsp vanilla extract • 4 egg whites Equipment • 1 lamb-shaped, 3D cake mold
• 2 1/4 cups cake flour • 2 1/2 tsp baking powder • 1/2 tsp salt • 1 1/4 cups granulated sugar • 1/2 cup butter • 1 cup milk
6. In a separate bowl, beat egg whites until stiff peaks form. 7. Fold 1/3 of egg whites into batter mixture, then fold in the remaining whites. 8. Fill cake mold with batter and avoid air pockets. Place the lid on the cake mold, secure it tightly, and place it on a cookie sheet. Bake for 1 hour.
1. Heat oven to 375 F. Coat lamb cake mold with vegetable oil and wipe clean after a few minutes. Then grease again and flour cake mold. 2. In a bowl, sift cake flour, then sift flour again with baking powder and salt. Set aside. 3. In a large bowl, beat sugar and butter together to form a batter. 4. Add flour mixture and milk to the batter alternately. 5. Stir batter until smooth and add vanilla extract.
9. Let cake cool completely before
decorating with frosting, candy, and edible Easter grass.
Solution on Page 4
Inspired by AllRecipes.com
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904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
Solution to puzzle on Page 3
• Don’t Let Worry Ruin Your Spring PAGE 1
• Finding a Job You Love at Any Age PAGE 2 • 3 Ways to Celebrate Earth Day in Florida PAGE 2
• 4 Signs Your Will Is Outdated PAGE 3
• Easter Lamb Cake PAGE 3
• The History of Libraries in America PAGE 4
The Oldest Libraries in America
United States, founded in 1636, and clergyman John Harvard seeded the library with a 400-book collection. Soon after, however, Thomas Bray, another clergyman, began establishing the first free lending libraries throughout the colonies to encourage the spread of the Anglican Church. Not surprisingly, most of the libraries’ holdings were theological. A Few More Firsts During the 1700s, a few more “first” libraries were established. In 1731, Ben Franklin and a few others started the first subscription library in the United States. Members of subscription libraries could pay to buy books or borrow them for free. In 1757, 60 men founded the Library Company of Burlington in New Jersey, and Thomas Rodman received a charter from King George II to operate the business in 1758. The library still operates under that charter today. The Library of Burlington A Story of Many Firsts
was the first library to operate out of its own building after a prominent resident donated the land in 1789. By the People, for the People In 1833, just as the Industrial Revolution was picking up steam, the Peterborough Town Library was founded in Peterborough, New Hampshire, at a town meeting. It was the first tax-supported free public library in the United States and in the world. Not long after that, the Boston Public Library, known as the “palace for the people,” became the first municipal public library in the country. The Boston Public Library was also the first library to have a space specifically for children. Out of all the “first” libraries in the country, these are the most probable progenitors of most libraries today — even if they weren’t exactly “first.”
What’s the oldest library in America? It’s an easy question to ask, but it has an unexpectedly complicated answer. Before the Industrial Revolution generated greater interest in public services, a library’s function and purpose varied widely. Several libraries in the United States claim to be the country’s “first,” but for different reasons. Colleges and the Clergy Some believe Harvard University hosted the first library in the United States. Harvard was the first university in the
Tips forYourTripBack inTime
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