Check out our June 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
As seen on:
June 2025
The Legacy of Fathers
A Celebration of Father’s Day and Life’s Next Chapter
I’ve spent years helping families prepare for their financial futures, ensuring they approach retirement with confidence and peace of mind. As a father myself, with a daughter on the cusp of her teenage years, Father’s Day carries a deeply personal meaning. It’s a moment to reflect not only on the lessons our own fathers have imparted, but also on our role in shaping our children’s future. Fatherhood is a journey that evolves with time. We are their protectors, their providers, their guiding force. As they grow, we add a mentor role, teaching them how to navigate life’s challenges, make wise choices, and prepare for the years ahead. Much like planning for retirement, fatherhood is about foresight and foundation — laying the groundwork today so tomorrow is secure and full of possibility. As retirement approaches, fathers experience a significant transition. No longer defined by career responsibilities or the structure of a 9:00-to-5:00 schedule, this phase becomes a time of reflection, renewal, and redirection. It’s a time to embrace life’s next chapter with purpose, presence, and the lasting wisdom that has defined the journey.
relationships, mentor the next generation, and embrace the freedom that comes after years of hard work. Like mothers, fathers also shape our approach to retirement planning in ways we may not always recognize. Whether leading by example in financial responsibility, passing down lessons in perseverance, or emphasizing the importance of securing a legacy, their influence is undeniable. For those who have raised their families with solid predictability and steady strength, stepping into retirement is an opportunity to focus on what truly matters: quality time, shared wisdom, and the reassurance that their hard work has laid a firm foundation for their loved ones. Fatherhood comes in many forms, and every father’s role is unique, shaped by the circumstances of life. Whether in a one- or two-parent household facing challenges that demand extra resilience, the impact remains the same: Fathers shape lives, influence futures, and cultivate values that endure far beyond their years. As I celebrate Father’s Day with my own daughter, I think of the fathers who came before me — those who have embraced retirement with wisdom and accountability. Their journey reminds me that fatherhood is
not just about today, but about shaping the future, one moment, one lesson, one act of love at a time. To all the fathers: Thank you for your guidance, your strength, and your unwavering love. Your legacy is more than your accomplishments — it’s the impact you’ve made, the lives you’ve touched, and the futures you’ve built.
-Adam Wolf CPA, CFP ®
Retirement is, in many ways, a beginning. It’s a chance for fathers to deepen their
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
www.wolfretirement.com | 1
DRAWING THE LINE WITH LOVE HELP YOUR KIDS FLY, WHILE YOU SET THE BOUNDARIES
Watching your children grow into independent adults is one of life’s greatest joys — but just because your kids are grown doesn’t mean they won’t test your limits now and then. As they build their own lives, the relationship between parent and child shifts, and deciding where to draw the line can be challenging. If you’re an empty nester, it’s time to redefine and set healthy boundaries that protect your time, energy, and well-being. Whether it’s financial independence, personal space, or learning to say “no” without guilt, establishing
space. Remember, you are forging a new relationship with them, becoming more of a mentor than a director. Resist the urge to immediately run to their aid because the more lessons they learn for themselves, the more self-confidence they will build. RECOGNIZE YOUR LIMITS Your life, needs, and routine also undergo significant changes as your child enters adulthood and leaves home. It’s time to identify your own desires, plans, and limits. Communicate
clear expectations can strengthen your relationship with your grown kids while allowing you to enjoy this exciting new chapter. EMBRACE THEIR INDEPENDENCE Though they will always be your baby, the first step in setting new boundaries is acknowledging their independence and adulthood. Your children need to make their own decisions and mistakes and find their own belief system, no matter how much it may differ from yours. Set flexible boundaries that give them the space to problem-solve without your interference. Though it may be your first instinct to provide them with advice or guidance, they may want
clearly with your children about what you’re doing with your time, and learn to say “no” if their behavior or expectations overstep your boundaries. It could be as simple as saying you can’t cover their bills for them, but you’ll help them look for a new job or set up a savings account. Remain open to discussion and change, but stay consistent. Having more time for yourself is an emotional transition, too, so practice self-care. Taking care of yourself will model healthy behaviors for your children in their adult lives — and enable you to live the life you choose.
Inside Phil’s Inspiring Golf Program Where Joy Meets the Fairway
It’s not every day you come across someone who blends passion, purpose, and care all together, but that’s precisely what our client
Whether hosting field trips at Queen’s Harbour, visiting children at Wolfson Children’s Hospital through the Smiles for Life program, or working with schools like the North Florida School for Special Education, Phil’s energy is
Phil has done with Gifts in Golf (GIG), a nonprofit organization he founded to make golf accessible and joyful for individuals with special needs. After a meaningful experience in 2009, working with a young boy with Down syndrome in Miami, Phil was inspired to create a program that could share the love of golf with a broader community. What started with one child and a few pieces of adapted equipment quickly blossomed into a full-fledged mission — to provide professional, inclusive golf instruction to people of all abilities. Now based in Jacksonville, Phil and his wife Beth (GIG’s executive director) are bringing that mission to life through a variety of programs at local schools and hospitals and their upcoming
contagious. He creates an environment where kids feel welcome, parents feel hopeful, and everyone walks away smiling. Golf is only the beginning — GIG emphasizes life skills like patience, teamwork, persistence, and confidence, all learned while having a blast on the course. GIG is a registered 501(c)(3) nonprofit and relies on grants, donations, volunteers, and partnerships with schools and community groups to keep growing. If you’d like to support their mission or register a child for camp, visit GiftsInGolf.org.
Phil’s goal is to make sure golf and the joy it brings are something everyone can experience. And judging by the smiles, “high fives,” and laughter at every event, he’s definitely on the right path. Thanks for all you do, Phil! You’re incredible!
Summer Camp, which is now open for registration at GiftsInGolf. org. The camp is inclusive, adaptive, and, most importantly, fun, with colorful equipment, encouraging instructors, and a large focus on ability over disability.
2 | 904-232-8760
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Take a BREAK!
We Came. We Ate. We Celebrated! THANKS FOR JOINING US! We’d like to offer a huge THANK YOU to all our amazing clients, friends, and families who came out to our post-tax season Food Truck Happy Hour! We had a blast celebrating with you — great food, cold drinks, and even better company. After a busy tax season, it was the perfect way to kick back, relax, and show our appreciation for the trust you place in us year after year. Whether you stopped by for our on-site lobster truck or pizza and treats, or just to say hi, we’re so grateful to have such a fun, supportive community. Your referrals, friendships, and continued business mean the
world to us. We truly wouldn’t be here without you! Here’s to another successful tax season in the books and many more celebrations to come!
No-Bake Icebox Cake
Inspired by AllRecipes.com
INGREDIENTS •
3 cups heavy cream
• • • •
1/3 cup powdered sugar
1 tsp vanilla extract
1 (9-oz) package chocolate wafer cookies 1/2 cup chocolate shavings or cocoa powder (optional)
DIRECTIONS
1. Line an 8x4-inch loaf pan with plastic wrap, allowing it to hang over the sides. 2. In a mixing bowl, whip cream, sugar, and vanilla until stiff peaks form. 3. Spread a small amount of mixture in the loaf pan and layer cookies in a single layer on top. 4. Continue layering whipped cream and cookies, finishing with cream on top. 5. Cover with plastic and refrigerate for at least 8 hours, preferably overnight, until cookies soften. 6. To serve, uncover and invert on a plate. Dust with chocolate shavings or cocoa powder, if desired.
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
www.wolfretirement.com | 3
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
The Evolving Role of Fathers in Life and Retirement PAGE 1 Know When to Say ‘No’ PAGE 2 How One Man Is Making Golf Accessible — and Fun — for Everyone PAGE 2 Client Appreciation Never Tasted So Good — Thank You! PAGE 3 No-Bake Icebox Cake PAGE 3 Mãori Culture and More: Discover the Magic of New Zealand PAGE 4
Savoring the Off-Season Joys of New Zealand WINTER DOWN UNDER
Few cultural celebrations capture a crowd’s attention faster than an explosive rendition of a Mãori war dance by a New Zealand sports team.
Exploring Coastal Trails Hiking through New Zealand’s stunning coastline and ancient forests — or tramping, as the locals call it — is a major attraction. Many of New Zealand’s Great Walks are on alpine or subalpine tracks and are impassable in winter. But the country’s most popular Great Walk, the Abel Tasman Coast Track, extends 37 miles one way across warmer terrain, past golden beaches and lush native vegetation. This trek offers ample opportunity to enjoy some of the many exotic birds of New Zealand, home to more avian species than any other country in the world. Nature Shows Nearly half of the world’s whale species are in New Zealand’s vast marine territory. Giant sperm whales can be seen year-round, and humpback and southern right whales are visible from shore from May through September. If you’re a fan of nighttime lights, stargazing at such celebrated dark-sky sites as Great Barrier Island and Mackenzie Region on South Island will amaze you. And for a different kind of evening light, try touring New Zealand’s caves or grottos for a glimpse of exotic glow worms, a native insect that glows blue-green in the dark!
The world’s growing fascination with Mãori culture is one reason travel to New Zealand is soaring, boosting annual tourism spending by nearly 15% last year. While it’s winter there now, the island nation
still offers many off-season attractions for the savvy traveler — including the June 19–22 celebration of Matariki, the Mãori New Year. Here are a few others. Skiing and Snowboarding June through October is peak season on New Zealand’s world-class skiing and snowboarding hills. Book accommodations in popular winter sports areas on the South Island, such as Queenstown and Wanaka. Warm up après-ski with a pint of one of New Zealand’s famous craft beers. Hundreds of the nation’s diverse brews will be displayed at Beervana, a popular two-day festival on Aug. 22–23 in Wellington.
4 | 904-232-8760
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Page 1 Page 2 Page 3 Page 4Made with FlippingBook Ebook Creator