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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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February 2024
A Look Back and a Look Ahead Planning for a Memorable Year
I’m energized and I’m focused. As I sit down to write this, I’m almost halfway through the “75 Hard Challenge,” pushing myself to improve in areas of physical fitness, emotional resilience, and mental insight. So far, it’s definitely been a game- changer, and I can’t wait to share my experiences with you in a future newsletter! As we make headway into 2024, things are pretty exciting around here at Wolf Retirement Navigation! By the time you receive this newsletter, Andrea and Malcolm will have already welcomed their little bundle of joy, Aria Taylor. She made her appearance three weeks earlier than expected, one minute after midnight on Sunday, January 21, 2024. Many “Congratulations” and “Best Wishes” are extended to the entire family! We are in the middle of interviewing candidates to continue growing our team and will soon have a new service assistant and advisor to increase our resources and communications with you. Robin is in her element, planning out the entire year — webinars, social events, and, of course, our big 10-YEAR ANNIVERSARY celebration party. Plans are well underway, and I don’t want to spoil any surprises, but let me tell you, this one will be one for the memory books! 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
I’m also proud to announce that I have a new TV program airing on alternating Saturdays and Sundays, expanding from our two-minute segment, “The Finance REPORT,” with hosts David Wilkinson and Mallory Hoff. The extended “Finance REPORT” now runs for a full 30 minutes and is packed with various retirement topics in mini-segments. It has been a lot of fun to record these shows, especially the entertaining “15 in 15” portions, and I’m excited to share them with you! More information is detailed in a separate article in this newsletter. As I look back over the past decade and think about where we have been and where we are heading, I decided to sort through previous newsletters that I mailed out to all of you. I stumbled across one from 2019 — right at our five-year mark. I highlighted our team and how I couldn’t have possibly made it to where I was without them and how grateful I was to have them on our path forward. I’m fortunate to have Robin 10 years later with more enthusiasm than ever. What was true five years ago is still true today — our team is the best! Five years ago, my goal was to celebrate a decade of service and to look forward to another one — mission accomplished! In between our fifth anniversary and 10th anniversary, the pandemic introduced us 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.
to a whole new set of challenges. Our staff worked from home, and we weren’t able to meet with our clients face to face. Yet, we weathered it all. That’s what we do here at Wolf Retirement Navigation. We hope for the best but plan for the “not-so-best.” We will do everything in our power to protect our clients during any unforeseen scenario. So, as we find our footing in 2024, what word defines your year? For me, “sharing” comes to mind. I embrace sharing my knowledge and experiences, and I look forward to sharing another year — another decade — of great moments and memories with each and every one of you. We invite you to share your successes and milestones, past and present, with us; we’d love to see your pictures and hear about your special moments! And, remember, when you share our name with others, it’s the best compliment in the world to us!
-Adam Wolf, CPA, CFP ®
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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The Garden Path to Joy GREEN THUMBS, FULL HEARTS
Retirement opens the door to new hobbies and activities. Among these, cultivating an organic vegetable garden could be a fulfilling and beneficial option. This activity provides your body with healthy exercise and fresh produce and can rejuvenate your mind and soul. Health Benefits: A Natural Boost for Well-Being Physical Activity: Gardening is a gentle way to stay active. Bending, planting, and tending to vegetables are excellent low-impact exercises that improve flexibility and strength. Plus, it doesn’t feel like you’re exercising because the activity is goal-focused. Healthy Eating: Harvesting your own vegetables ensures a supply of fresh, organic produce. This home-grown food is free from harmful pesticides and richer in nutrients, contributing to a healthier diet. If you have extras, you can share your harvest with others, helping to improve their diets, too! Mental Health: Gardening is therapeutic. It reduces stress and promotes a sense of accomplishment. It’s also a source of new learning and curiosity. You may need to do some research to learn about the best zones for various plants and techniques to keep them healthy. Watching plants grow from seeds to harvest can be incredibly satisfying and a great way to boost mental well-being.
Environmental Impact: Tending to the Earth Responsibly Organic gardening is environmentally sustainable. By avoiding chemical fertilizers and pesticides, gardeners protect the soil and local wildlife. Home-grown vegetables mean fewer trips to the store and less packaging waste, contributing to a smaller carbon footprint. So, by gardening, you’re participating in an eco-friendly practice. Social Connection: Growing Community Ties Gardening offers opportunities to connect with fellow gardeners, share tips, and exchange produce, fostering a sense of community. Inviting grandchildren or neighborhood kids to the garden can educate them about where food comes from and the importance of sustainable practices. If you participate in a community garden, these benefits, in particular, contribute to a sense of well-being because you’re getting active in the community, making friends, and sharing your knowledge with others. It’s a win-win. Organic gardening in retirement is not just about cultivating plants; it’s about cultivating a healthier lifestyle, a better environment, and stronger community bonds. It’s a hobby that offers endless learning, joy, and satisfaction, making retirement not just a time to relax but also a time to thrive.
INTRODUCING ‘THE FINANCE REPORT’ Your Weekly Dose of Financial Insights
We are excited to announce the launch of our brand new 30-minute TV program, “The Finance Report.” Building upon the success of our popular two-minute segments featured weekday evenings on NBC 12 and Channel 4, we are thrilled to bring you a more extensive financial experience on the weekends. Hosted by the dynamic duo of David Wilkinson and Mallory Hoff, the expanded “Finance Report” now offers 30 minutes of insightful content, delving into a wide range of retirement-related topics through engaging mini-segments. Join us as we explore the intricacies of finance and retirement planning in a lively Q-and-A format, shedding light on the concept of “15 in 15.” Get ready to be both educated and inspired! The rotating weekend schedule of Saturday (Channel 4/10:30 a.m.) and Sunday (Channel 12/11:30 a.m.) shows is noted in our weekly e-mails. Whether you choose to set your DVR or watch the program live, this is an opportunity you won’t want to miss! Be sure to keep an eye out for the segment link, which will be shared in our post-show weekly email. New year, new beginnings, and a whole new level of financial insights await you on “The Finance Report!”
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EMBRACING SELF-LOVE IN RETIREMENT A Valentine’s Day Reminder
As Valentine’s Day approaches, the focus on love often centers around romantic relationships. However, this year, let’s take a moment to shift the spotlight onto a different kind of love — the love we show ourselves, especially in our retirement years. The importance of this self-care becomes increasingly significant in our golden years, and embracing self-love can have profound benefits for overall well-being. Retirement marks a new chapter in life, offering the gift of time and freedom that was often scarce during one’s working years. However, this transition can also be incredibly challenging for many. The routine and structure of a career often provide a sense of purpose and identity. In the absence of these external cues, it becomes crucial to cultivate a strong sense of self-worth.
Self-love during retirement means prioritizing physical, mental, and
mental health. Activities like meditation, journaling, reading, or learning a new skill can strengthen your cognitive function. Furthermore, self-love involves cultivating a positive relationship with yourself. This means acknowledging accomplishments, embracing personal growth, and forgiving yourself for past mistakes. Retirement offers the opportunity to let go of your old self that you may not be fully happy with and to focus on authenticity. Reinvent yourself fully or not at all; it’s up to you! With Valentine’s Day on the horizon, let’s not forget the importance of extending love inward. Retirement is a celebration of life well lived and a commitment to making the most of the golden years with a heart full of love. This Valentine’s Day, let’s remember to shower ourselves with the love and care we deserve.
emotional health. It means recognizing and honoring (perhaps new) personal needs, desires, and dreams. Engaging in activities that bring joy and fulfillment, such as hobbies, traveling, or just relaxing, becomes paramount; this intentional focus on self-care can lead to a retirement experience that is worth all the effort you’ve put in throughout your career. Prioritizing good health with regular exercise, a balanced diet, and sufficient sleep is a method of self-love that will ensure your golden years continue to be golden. Taking time for these preventive and proactive healthcare measures will help you take advantage of this newfound freedom with lesser or even without major health issues. You can’t travel or invest in hobbies if you’re always sick. This self-care also extends to your
Take a
Break!
Puff Pastry Berry Hearts
Inspired by Weelicious.com
INGREDIENTS
•
1 package frozen puff pastry, defrosted
• •
1 tsp powdered sugar
1/2 cup fresh raspberries (or berries of your choice)
•
1 cup heavy cream
DIRECTIONS
1. Preheat oven to 400 F. Unfold the puff pastry and use a heart-shaped cookie cutter to cut into heart shapes. 2. On a baking sheet, place puff pastry hearts and bake for 10–12 minutes or until golden brown. 3. In a standing mixer, whip the cream on medium-high speed for 2–3 minutes. Add the powdered sugar and beat on high for 30 more seconds or until thick and fluffy. 4. Remove hearts from the oven and allow to cool completely. Slice each heart in half between pastry layers to create 2 hearts. Top the bottom half with whipped cream and berries, and place the other half on top to form a sandwich.
Solution on Page 4
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904-232-8760 www.wolfretirement.com 4230 Pablo Professional Court Suite 101 Jacksonville, FL 32224
Solution to puzzle from Page 3
INSIDE
Energized and Focused in 2024 PAGE 1 Retirement Bliss in a Garden PAGE 2 ‘The Finance Report’ — Your Retirement Resource PAGE 2 Nurturing Self-Love in Your Golden Years PAGE 3 Puff Pastry Berry Hearts PAGE 3 Exploring Europe’s Hidden Gems PAGE 4
Discovering Europe’s Overlooked Beauties EUROPE’S MOST EXCLUSIVE ESCAPES
Ghent, Belgium This medieval city is a treasure trove of history, with its well-preserved architecture and charming canals. The Gravensteen Castle, a stone sentinel standing since the Middle Ages, offers a glimpse into Ghent’s storied past. Art lovers can appreciate the Adoration of the Mystic Lamb, an iconic piece of religious art housed in St. Bavo’s Cathedral. Porto, Portugal Known for its port wine and stunning Douro River views, Porto captivates with its colorful buildings and intricate azulejos (ceramic tiles). The Livraria Lello bookstore, with its spiraling staircase and ornate woodwork, seems straight out of a fairy tale and is a must-visit for bibliophiles. Ljubljana, Slovenia This small but vibrant city is a blend of Baroque and Art Nouveau styles with a touch of modernity. The Ljubljana Castle,
perched on a hilltop, offers panoramic views of the city, and Tivoli Park is a green oasis perfect for a leisurely stroll or a picnic. Rhodes, Greece One of the most southern islands of Greece, Rhodes is home to fascinating history and picturesque beaches. The Old Town is a one-of-a-kind blend of Hellenic Greece and the knights and castles of the Middle Ages. To make sure you don’t miss any of the stunning beach views, you can hire a skipper from Mandraki Port to take you around the entire island. Europe’s lesser-known sites offer a unique blend of charm, history, and culture. Each place, with its own distinct personality, tells a story that enriches the tapestry of European heritage. So, the next time you plan a European adventure, consider veering off the beaten path to explore one of these hidden wonders.
Europe, with its rich tapestry of cultures, history, and landscapes, offers many different experiences for travelers. From the cobblestone streets of quaint villages to the bustling avenues of cities, the continent beckons with a blend of the old and new. Places like London, Paris, and Berlin are all hugely popular, but these four hidden gems deserve recognition despite being often overshadowed by their more famous counterparts.
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