Wolf Retirement Navigation - January 2022

Wolf Retirement Navigation - January 2022

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

As seen on:

January 2022

We’ve Got You Covered Planning and Protecting in 2022

The new year is a new beginning for resolutions, goals, and refinement. In 2022, our RETIRE SMART ASAP process will guide our client planning in such a manner to tackle challenges and obstacles we face and prepare us to navigate them with ease — we are in this together. You can relax, knowing your retirement savings and portfolio is in good hands as you continue to enjoy or prepare to enjoy your retirement. 2022 will pose challenges in the way of inflation, increased taxes, political unrest, and market volatility. With much change brewing, it can be difficult to remain optimistic, but we have to be. Rest assured that we have planning in place so you can take comfort in your optimism and set aside financial worries that may arise. “I’m here for all the highs and lows; and, together, we will navigate what comes our way before and during your retirement.”

planning ahead. I must continue to take my own advice; and, with the fiduciary responsibility I have to protect my clients, I focus ahead, keep my head out of the sand, and plan for many different scenarios in order to protect them and their savings. Just as real estate agents focus first on location, location, location, at Wolf Retirement Navigation, we first focus on protection, protection, protection and secondly on reasonable growth. As we head into uncharted waters in the new year, please know that your trust in us is well placed because is it not only important to have a RETIRE SMART ASAP retirement plan in writing, but it’s also wise to plan proactively for potentially volatile political, economic, and environmental changes on the horizon. I am a firm believer that if we can mitigate a majority of the risks out there, you will have a great retirement. Thus, if and when bad news ever surfaces, I can assure you that we will have prepared the best we can and look forward to tackling the news. I’m planning for the worst but expecting the best — it’s my job. I make all decisions based on what I would do for myself and my family. After all, my clients are all a part of the Wolf Retirement Navigation family. Together, we will navigate the ups and the downs; your trust in us at Wolf Retirement 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.

Navigation is of paramount importance to me and my team.

In 2022, we look forward to increased communication through video education, financial and market updates in person and via webinars with guest speakers, and client-centric get-togethers, all designed to proactively prepare and plan accordingly. I take a tremendous amount of pride in my chosen career, my purpose, and my allegiance to my clients and their futures. Nothing remains the same for long, and what goes up can eventually come down and vice-versa. I’m here for all the highs and lows; and, together, we will navigate what comes our way before and during your retirement. I’m laser-focused on your financial protection and growth. Thank you for your loyalty and placing your trust in us as we optimistically greet and look forward to 2022! -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.

For those who know me well, you know I’m always reiterating to my clients the importance of a smart written plan and

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 results.

2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island

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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island

SKILLS THAT ENRICH US

The Importance of Having a Hobby

something you find pleasure in. Instead of just relaxing on the couch and turning off your mind for a bit (which is totally acceptable sometimes), hobbies allow you to remain mentally productive while winding down at the same time.

to lead a healthy and fruitful life. Who knows? Maybe you’ll find some great friends who share the same passions as you! Hobbies develop patience. When you take on a new hobby, you are tasked with learning something new. Whether you’re practicing a new instrument, learning a different language, or figuring out how to make jewelry, a learning curve is involved. Building new skills takes patience, a very important attribute for success. Finding a hobby that suits you may take some exploration and trial and error, but it is all in good fun! Make it your goal to try something new or learn a new skill each month until you find something that sticks. Once you do, you’re sure to find that hobbies are both enjoyable and enriching!

January is National Hobby Month, and since it falls at the beginning of the year, it’s the perfect time to try something new! Hobbies add variety to your life and ensure you aren’t just living to work, so to speak. The best way to find a hobby you enjoy is to be open to new things. Whether it’s gardening, reading, drawing, running, fishing, crafting, or even beekeeping, finding an activity you enjoy is important. Here’s why! Hobbies are stress relievers. Hobbies offer a healthy escape from your busy lifestyle by keeping you engaged in

Hobbies also provide eustress . Believe it or not, one type of stress is

deemed beneficial: eustress. If you aren’t overly stressed and are feeling a little under- stimulated, a hobby can provide activity for both your mind and body to keep you feeling excited about life and ready to take on new challenges and adventures. Hobbies offer a social outlet. Some hobbies involve group activities, such as bowling, sports teams, book clubs, and even wine tasting. Connecting with others offers the social support humans depend on

Take a Break!

CHICKEN AND LEEK FILO PIE

Inspired by GoodHousekeeping.com

INGREDIENTS

• 3 oz unsalted butter, divided • 2 large leeks, finely sliced • 2 large carrots, finely chopped • 1 tbsp flour • 14 oz chicken stock, warmed • 2 tsp Dijon mustard

chicken and parsley. Transfer to a large ovenproof dish. 7. In a pan, melt remaining butter. 8. Put a single filo sheet on a board and brush with melted butter. Scrunch up pastry sheet and place on top of chicken mixture. Continue until pie is covered. 9. Bake for 20–25 minutes, until the filo is golden and chicken mixture is bubbling. • 3 tbsp heavy cream • 12 oz cooked chicken, cut into chunks • 2 tbsp chopped fresh parsley • 12 sheets frozen filo pastry, thawed

DIRECTIONS

1. Preheat oven to 350 F. 2. In a pan over low heat, melt 1 oz butter. 3. Add leeks and carrots and cook for 15 minutes, until softened but not colored. 4. Stir in flour and cook for 1 minute. 5. Gradually add chicken stock, stirring until sauce is smooth, then let simmer for 10 minutes. 6. Stir in mustard and heavy cream, then add cooked

Solution 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 Suite 101 Jacksonville, FL 32224

Solution to puzzle on Page 3

INSIDE

Plan and Protect in 2022 PAGE 1

We Thank You! PAGE 2

Why Hobbies Are Important PAGE 3

Chicken and Leek Filo Pie PAGE 3

Add More Nature to Your Home in 4 Simple Ways! PAGE 4

EASY, AFFORDABLE WAYS TO EMBRACE NATURE IN YOUR HOME

Thanks to the chaos we’ve experienced since 2020, many design experts are looking to create spaces that are calm, welcoming, and grounded. Enter one of the biggest design trends of the 2020s: neutral, natural elements.

piles of stones or vases with rocks can bring the richness of the great outdoors into your home with little effort and can be reused each season.

Now, look to your backyard! If you have a big pine tree that produces pine cones each year, don’t let those go to waste! Baskets or vases filled with pine cones can be great fall and winter decor pieces, while lots of clever crafters have made wreaths, scent diffusers, and other fun items with pine cones found in their yard. Just be mindful of what you take from nature. Don’t take anything of value to the ecosystem, and don’t grab items from state or national parks. Finally, utilize windows. Part of embracing natural design elements is letting nature do the talking! Focus your design in each room around windows. For instance, fix plant displays near windows or hang bird feeders in trees you can see through your windows. If you really want to get cozy with the outdoors, consider installing a skylight!

Here are some easy ways to bring nature inside and boost your home’s look without overspending.

The obvious option is to add more houseplants. And plants don’t have to be difficult! Consider your home space, first. How much light do you get? Is it a dry or humid home? How likely is it that you will remember to water a plant? Bring these concerns to your local nursery, and they will help you find the perfect leafy friend(s) to fill your space. Then, opt for pieces that won’t decay. When choosing new decor for your home or when updating your knickknacks for the seasons, look for wooden or natural items that don’t have a life cycle. Fake plants, wooden statues and picture frames, and

To find more inspiration, take a walk and discover how Mother Nature has designed her space. Bring those ideas into your home and enjoy the comfort of the great outdoors within your own great indoors.

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2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island