Wolf Retirement Navigation APRIL 2018

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April 2018

MY ANGEL Celebrating My Favorite Girl

April is one of my favorite months of the year because of one very special day: Tax Day. I’m kidding! I love this month because my daughter’s birthday is in April. Many of my clients have worked with me since before Isabella was born. So with her fifth birthday coming soon, I thought I’d share with everyone an update on how she’s doing. First of all, she’s growing like a weed. Every day, I have to blink and try to figure out how she got so tall all of a sudden. I remember the moment I held her for the first time. It took a little bit of effort to bring Isabella into the world, and before she came, I was excited, but a little scared. I hadn’t been around children much before that. Though Danielle and I were ready to be parents, part of me wondered if I was really up for the challenge. When she did arrive,

we were very blessed. Everything went smoothly, and Isabella came into the world healthy with 10 fingers, 10 toes, and all of my heart. The first time I held her, it felt like the most natural thing in the world. A lot has changed since I cradled her in my arms in the hospital. Now, she’s turning 5, her favorite color is blue, she loves getting new clothes from her Aunt Neal, and she loves spending time with her grandmother. Plus, she’s in preschool, so it’s no surprise that she loves My Little Pony. In fact, I took her to see “My Little Pony: The Movie” a few months ago. It was the first movie she and I had seen together in the theater, and I’m happy to report I was not the dad who fell asleep and started snoring loudly. Isabella is growing up so fast, and I don’t want to sleep through any of our moments together. After this summer, she’ll be attending the big kids’ school, aka kindergarten, at the local elementary school. I guess she’s going to be a big kid herself pretty soon. My wife and I are trying to teach her all the important lessons about life, and we have given her age-appropriate chores so she can start to learn responsibility. Taking care of her new white Siamese kitten, Ringo, is a big responsibility she was excited to have.

I’m also making it a point to teach Isabella about money. At 5, she already has a savings account — in the form of a piggy bank. Isabella is learning about the importance of saving, and she happily collects every bit of change she finds. When the piggy bank becomes heavy, we take it to the VyStar machine and have all the coins converted into cash. It’s not exactly managing stocks, but it’s a good start, and I’m proud of her. Who knows? Maybe one day Isabella will be working in the office with me! I am blown away by how blessed I am to have such a wonderful daughter. She’s growing up fast. The future might be scary, but I’m proud I get to be her dad, protecting her and showing her the way. Happy fifth birthday, sweetheart! –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.

Isabella is growing up so fast, and I don’t want to sleep through any of our moments together.

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.

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.

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