Patriot Wealth - April 2021

Patriot Wealth - April 2021

APRIL 2021

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PATRIOT WEALTH

A SPORT STEEPED IN TRADITION The Game That Keeps On Giving

My grandfather and father played golf together every Saturday for more than 10 years. I was actually the one who put a stop to their tradition because, after I was born, Mom rightfully asked that Dad spend more Saturdays at home with her and the two kids. Still, golf was a tradition for my dad and grandpa, and because of their love for the sport, I found my way onto the green as well. I began golfing when I was about 9 or 10 years old at a junior golf camp just outside of my hometown near Philadelphia. I was instantly hooked. I played on my high school’s varsity golf team and attended college in North Carolina, where I could enjoy an extended golf season. To this day, I love to golf. It is a humbling sport where every round is unique. You can play a round of golf here in North Carolina, travel to Arizona, and compete on a very different course with its own challenging characteristics. That offers an experience you can’t find in many other sports, which require similar courts or fields for their participants. Beyond the pure joy I experience out on the course, it truly has provided me with much more. It is the game that keeps on giving. A good golfer knows that patience is a “must have” out on

the golf course. I have learned the value of patience many times over in my time playing — unfortunately the hard way! During a round, you are bound to experience plenty of poor shots you wish you could take back. Throughout my years enjoying this game, that has been a valuable lesson learned. In life, just as on the course, there will be bumps in the road. For me, it has been imperative to understand what you can change, understand what you cannot change, and to have the wisdom to distinguish between the two. Arguably one of the most important lessons I’ve taken from this game is respect. Grandpa sure was a stickler for playing the game the right way! From a young age, the focus was always on proper etiquette. It was important to my father and grandfather that I learned to have respect for not only the course but my competitors as well. I am forever thankful for their guidance as a youngster! Finally, the last lesson I’ve had the privilege of learning is risk management. I use a similar framework in the work I do every day for clients. As a golfer, you must be able to assess the risks ahead of you on each hole. This can be a sand trap, water hazard, or potentially long rough. You must be cognizant of

potential risks that lie ahead of each shot or you may be severely penalized. That same concept applies to investing and retirement planning! The key in risk management is the recognition of risk, not the elimination of it. There are always risks, but when we know they exist, it enables us to properly prepare for what may lie ahead. I’ve enjoyed many great rounds in my career as a golfer, including the weekend this past fall in Pinehurst with Wes to celebrate his birthday. Avid golfers will know how special that experience was! One of my lifelong dreams is to attend the Master’s Tournament in Augusta, Georgia, with my father. It would be an honor to be able to enjoy such a wonderful tradition with him. My favorite memories on the course are still the rounds played with my father and grandpa. I can assure you the competition was fierce, as we all have the competitive blood pumping through our veins! However, above all else, the time spent with family is what I cherish most.

–Austin Kobilka

P.S. For my fellow golf players, my favorite professional swing is Fred Couples. Who’s your favorite, and who are you rooting for this year?

These articles are designed to provide general information on the subjects covered. They are 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 Patriot Wealth and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Investment Advisory Services is offered through Retirement Wealth Advisors (RWA), a Registered Investment Advisor. Patriot Wealth 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.

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DON’T SLEEP ON THESE TRACKING DEVICES WANT A BETTER NIGHT’S REST?

Sleep is essential for good health. It recharges your body and helps you start your day refreshed and alert. With so many wearable devices and sleep tracking apps on the market now, you may be wondering if you should be tracking your sleep.

to keep in mind that while sleep trackers can provide valuable insights, the >Page 1 Page 2 Page 3 Page 4

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