Wolf Retirement Navigation - December
RET IREMENT NAV IGAT ION
MONTHLY
4230 Pablo Professional Court Ste. 101 Jacksonville, FL 32224
4711 US Highway 17, Suite C-5 Fleming Island, FL 32003
As seen on:
December 2019
The Gift of Time How We Make Each Moment Count
W hen you become a parent, your holiday became my job to create the Christmas magic. Over the years, what that magic looks like has changed. As Isabella gets older, I’ve been taking a step back from buying her a bunch of toys and/or stuff. Her grandma and her aunts have that covered. They spoil her so much by packing presents under the Christmas tree that they even outshine Santa Claus, himself, sometimes! But when I think about gifts for my daughter, lately I’ve been thinking along the lines of giving her valuable experiences. She’s six years old now, and she’s at that point where making memories is important. Going into 2020, I want to give Isabella the gift of time and good memories rather than things she’ll outgrow. I love seeing her face light up when we go to Disney World, but I’ve found that the gift of time can be as simple as taking my daughter to the library and reading together. Those small moments are really what create those big memories she will cherish. Yes, we remember fun trips to Disney World, but life isn’t entirely made up of big, splashy events. Most of our 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 responsibilities change. After Isabella was born, it
everyday living is spent in small moments in traffic, eating breakfast or sitting on the couch after work. It’s up to us to make those small moments memorable. I love taking Isabella to school and experiencing that special one-on-one time we get to have in the car. Being able to sit down and eat breakfast with her in the morning is always awesome, and I’m so happy to help her with her homework when I can. These aren’t moments that kids really remember, but they recognize the feeling of their parent being there for them. When I give my daughter the gift of time, that’s what I want her to get. I don’t want there to be a doubt in her mind that she’s loved and that her dad is going to be there for her no matter what. When folks retire, they have more time on their hands. That thrill of no longer needing to wake up early to go to work wears off. Our time is so valuable, and it’s a shame to feel like you have too much of it. Part of being a retirement planner means helping my clients plan for that extra time they’re going to have. What can they do to create great experiences and memories with their families, friends, spouses, and themselves? The answer is different for everyone, and it’s always a privilege to help my clients build a plan 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.
so they can spend their gift of time wisely and efficiently.
Many folks know I’ve been going through some difficult times this past year. I want to take a moment to express my heartfelt thanks and appreciation for the support I’ve received from friends, family, and colleagues. Looking ahead to 2020, I’m dedicated to making this the best year ever for us all. Merry Christmas and a Happy New Year to you all. May you have plenty of time to spend with your loved ones during the holiday season and in the coming year, and may all your memories be plentiful. -Adam Wolf, CPA, CFP ® 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.
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The Joys of Starting a Business After You ‘Retire’ There’s No Expiration Date on Entrepreneurship
A s a nation, America is getting living longer than ever before and the baby boomers approaching retirement age en masse, older adults will continue to have a massive impact on the American economy at large. Normally, we think of seniors as people who cash in on the hard work older. By 2030, 20% of Americans will be 65 or older. With people
If you’ve ever tried to change jobs late in your career or pick up some part-time work after retirement, you know it’s hard to be hired as a senior. Quartz recently called seniors “the economy’s most underused natural resource.” Until more employers understand the value and potential of older workers, entrepreneurship remains the most viable avenue for seniors wanting to work after their primary career has ended. There are a number of reasons why seniors find creating their own business to be rewarding and why they tend to succeed when they do. Unlike younger people, who often become business owners in an attempt to make a fortune, older entrepreneurs can be content with small, sustainable micro-businesses. They also approach their businesses with a wealth of experience that can’t be purchased. As a result, 70% of ventures founded by older
entrepreneurs are still open five years later, more than double the rate of the general population. With so much potential to be found in senior-run businesses, it’s no surprise that organizations are rushing to empower older adults with the tools they need to succeed. Senior Planet, a coworking space for seniors with outposts nationwide, teaches classes on skills like website creation in a space that makes older learners feel welcome and comfortable. On top of being an important economic driver, entrepreneurship can be a wonderful way for seniors to generate meaning and value in their lives. It’s never too late to start the business of your dreams.
they’ve already accomplished.
Many young people even worry Social Security will be wiped out by the time they reach retirement age. But who’s to say older adults can’t contribute
to the economy?
You Can Create Holiday Cheer With JaxPAL Wolf Retirement Navigation is honored once again to partner with the Police Athletic League of Jacksonville, Inc. (JaxPAL) to share some holiday cheer with children in our very own neighboring communities. We are teaming up with JaxPAL to host a big Christmas party where at-risk kids in our local communities Please drop off all wrapped donations to either one of our offices by Wednesday, Dec. 18, 2019. We will be hosting the Christmas party for the kids at the JaxPAL Westside Center on Thursday, Dec. 19, 2019, at which time the kids will receive their gifts specially chosen by you. It is through your kind and generous donations that you will be helping us make Christmas dreams come true for these precious children! LET’S MAKE SOME MAGIC!
Last year’s JaxPAL holiday party was a huge success because of you! We want to thank our clients, business associates, friends, and families who make this wonderful event possible. A huge “thank you” to everyone who has already donated to this worthwhile cause and to everyone who plans to contribute. With your help, we can continue to support the JaxPAL mission and spread Christmas joy to kids who need it the most. Learn more about JaxPAL and other ways you can support at-risk youth in our communities throughout the year at JaxPAL.com. Thank you again for helping us make the holidays of 2019 a memorable and magical time of year for all the deserving children in our local Jacksonville and neighboring communities!
can enjoy some fun and holiday cheer. There will be treats, games, and presents selected for each individual child. We invite our readers to help make this celebration a reality. What You Can Do We have displayed Angel Trees at our Jacksonville and Fleming Island offices. Both trees are adorned with angel ornaments that feature a child’s name, age, and a brief wish list. Visit either office to select your very own “angel” to create some Christmas magic for a very special child in one of our neighboring communities.
The Power of JaxPAL Through education, athletic, leadership, and outreach programs, JaxPAL enriches the lives of children by creating positive relationships between law enforcement officers and the youth of our communities. With sports programs, after-school groups, summer camp opportunities, and leadership development, JaxPAL provides a safe haven from the everyday realities of crime and violence for more than 4,700 at-risk kids each year.
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
Do You Have a Story to Tell?
Share Your Wisdom in a Memoir
The urge to leave behind a legacy is an inherent human instinct. Whether you accomplish this by raising children, building a successful company, or starting a charitable organization, the desire to share your wisdom should not go unfulfilled. If none of these options work for your lifestyle, writing a memoir may be a good option. A memoir not only tells your story but also passes on the wisdom you’ve gained from your many experiences and offers a unique perspective to inspire future generations. Writing can be a therapeutic exercise at a time when your life may be changing due to retirement or your kids growing up and leaving the house. And because personal reflection is a natural occurrence with age, writing a memoir can be the perfect way to
spend your time. As you gain enough distance from
my readers? What do I want them to feel or understand
life events to grow useful perspectives, the stage is set for self-discovery and transformation.
by reading my words?” From there, select anecdotes
that support your theme. Make sure they’re clear and cohesive. Then, write like you would
Even more so, your life experiences can give valuable insights to readers of all ages and circumstances. That’s why biographies and memoirs are such popular
a fictional novel or story. Show, don’t tell, and keep readers invested by
genres — reading about real people helps others understand the world and how they can live in it. To get started, pick a theme. Ask yourself these questions, “What message do I want to leave with
having a narrative arc, whether it flows chronologically or jumps back and forth in time. Remember, this is not a time to air dirty laundry; it’s a time to reflect, grow, and share your experiences with the world.
SUDOKU
Gingerbread is a holiday classic of the very first order, but it’s often a construction material rather than a treat. This recipe, on the contrary, is purely for eating.
INGREDIENTS
• 1/2 cup canola oil, plus more for greasing • 3/4 cup unsulphured molasses • 3/4 cup packed light brown sugar • 2 large eggs • 1 tbsp fresh ginger, peeled and finely grated • 1 1/2 cups fresh cranberries, coarsely chopped 1. Heat oven to 350 F. 2. Grease a loaf pan with canola oil. 3. In a large mixing bowl, mix together 1/2 cup canola oil, molasses, brown sugar, eggs, ginger, and cranberries. In a separate bowl, sift and combine flour with baking powder, baking soda, cinnamon, cloves, and DIRECTIONS
• 2 cups all-purpose flour • 2 tsp baking powder • 1 tsp baking soda • 1/2 tsp ground cinnamon • 1/2 tsp ground cloves • 1/2 tsp kosher salt
salt. Mix dry ingredients into wet ingredients until blended. 4. Scrape batter into loaf pan and bake for 50 minutes. 5. Transfer to a rack, let cool for 20 minutes, slice, and serve.
Answer on Page 4
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 Ste. 101 Jacksonville, FL 32224
INSIDE
Solution to puzzle on Page 3
• What Will You Give This Year? PAGE 1
• The Power of Senior Entrepreneurship PAGE 2
• Help Support JaxPAL at Christmas! PAGE 2 • Tell Your Story and Share Your Wisdom PAGE 3
• Cranberry Gingerbread PAGE 3
• Yurts: Glamping at Its Finest PAGE 4
YURT SWEET YURT Glamping in Beautiful Locations
Tips forYourTripBack inTime
The allure of the great outdoors calls to many, but pitching a tent and cooking over a fire isn’t for everyone. If that describes you, consider the yurt: a small, permanent structure often outfitted with electricity, plumbing, and other modern amenities. Expertly nestled in remote locations, they provide comforts of home in the midst of nature. Here are just a few around the United States available for rent. Treebones Resort, California For those new to the glamping scene, this is a great choice for an easy transition. With picturesque views of the Pacific Ocean, the Treebones Resort in Big Sur has an array of spaciously comfortable yurts to choose from. The resort has heated pools, a cozy lodge, and even a sushi bar. About an hour up the coastline, you can find a few shops, restaurants, and
art galleries if you decide you’ve gotten your dose of nature for the day.
bundle up with a book. At night, the yurt’s domed skylight offers excellent stargazing. For those keen on winter activities, skiing and snowshoeing trails start right outside the front door. In the summer, enjoy hiking, fishing, and swimming.
Spruce Hole Yurt, Colorado Nestled in the San Juan Mountains about 10 miles north of New Mexico, this yurt is a snow-lover’s paradise. Skiing, snowshoeing, and hiking trails are plentiful in this backcountry location. At the end of a chilly day, come home to comfy beds, cooking supplies, and decor made to feel like you’re camping — but with sturdy walls to keep out the cold. Falls Brook Yurts, New York For the glampers who truly want to get away, hike just under 1 mile into the woods of the Adirondack Mountains to discover rustic yurts beckoning you to cook over a fire or
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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
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