Wolf Retirement Navigation October 2018

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October 2018

It’s the Great Pumpkin, Isabella! The Tricks and Treats of Halloween

Halloween is on its way, and my daughter Isabella is already talking about what she wants to be this year. Her Halloween costumes are way more elaborate than the ones I wore when I was her age. We didn’t have the expensive costumes, so we’d roam the neighborhood dressed as sheet ghosts or werewolves. As a kid, I went trick-or-treating, starting at 5 years old, with my sister and a bunch of other kids every year. I don’t remember my mother or father ever being out there with us; and considering my sister was only four years older than I was, that seems kind of crazy today. But it was the ’80s! Things were a little different and we still had a lot of fun. After trick-or-treating, we spent a lot of time at the church carnival, eating our candy, bobbing for apples, and mostly staying out of trouble. One year, there was a Halloween fair at school and they had a game where you guessed the When I was young, my friends and I spent hours counting every piece of candy we got on Halloween. “ 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 investment decision.

number of candy corn kernels in a big glass jar. I guessed the right number and spent the next few hours chowing down on candy corn. Looks like I was destined for a career in numbers, huh? Halloween for my daughter today is pretty different from my childhood Halloween. For one thing, there’s no way on earth we would let her roam around the neighborhood at 5 years old without us! Isabella is also more interested in the costumes than the candy. She loves dressing up for Halloween, but doesn’t like candy as much as her dad does. This is good news because it makes it easier to convince Isabella to give her candy to the Great Pumpkin, a holiday figure made popular by the comic strip Peanuts. After a long and fun night of trick-or- treating, before we send Isabella off to brush her teeth and go to bed, she gets to pick out 10 pieces of candy from her haul. The rest goes to the Great Pumpkin, who will come by to drop off a toy in exchange for candy later that night. It’s kind of like Santa Claus, but the Great Pumpkin doesn’t work for free. This is a great tradition because it keeps Isabella from getting overloaded on chocolate, and it gives me an easy way to get all that candy out of the house quickly, which keeps me from snacking 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.

on sugar for the first two weeks of November.

When I was young, my friends and I spent hours counting every piece of candy we got on Halloween. That’s not a habit most people carry into adulthood when it comes to something far more valuable than candied apples or lollipops: money. Each year, as people gear up for the money-spending holidays that shortly follow Halloween, I remind my clients of the importance of counting their savings. Until you look at all your accounts and crunch the numbers, you’re just guessing. And you really can’t be guessing when planning for your future. Don’t let the unknown “trick” you out of financial security. Make the time to look at your finances before the new year so that you can enjoy the ultimate retirement “treat.” –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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