Wolf Retirement Navigation November 2018

Wolf Retirement Navigation November 2018

904-232-8760 www.wolfretirement.com MONTHLY RET IREMENT NAV IGAT ION

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November 2018

Our Thanksgiving Tradition Sharing Stories With Tony’s Turkey Trot

Every year, my Thanksgiving starts bright and early. Danielle and I take our daughter, Isabella, and the whole family to participate in Tony’s Turkey Trot. This 5K run benefits TBI Fund Inc., a nonprofit dedicated to raising funds and awareness for anyone who has suffered from a traumatic brain injury (TBI). In Florida alone, more than 210,000 people are living with TBIs, and this condition can be a physical and emotional strain on everyone involved. Tony’s Turkey Trot was started by Anne Marie Tucker and named after her father, Tony Meduri. Tony suffered a TBI after being hit by a drunk driver while heading home after a car show. Left without any short-term memory, Tony spent years receiving 24/7 care at a TBI facility in Clearwater. But there is a lot more to Tony than his accident or injury. Born in Italy, Tony came to the United States with his family when he was 9 years old. At 17, Tony broke his neck and ended up getting his high school diploma while still in the hospital after being told he would never walk again. But Tony wasn’t the kind of guy who just gave up. After intensive therapy and rehab, Tony regained the use of his body. He would graduate from the police academy, raise two daughters, and spend 32 years on 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

the force before retiring as a lieutenant from the Delaware River Port Authority. Like many people, Tony knew Florida was the perfect place to retire, so he built a home here in the Sunshine State and spent his time taking his prized ’34 Ford to car shows. In addition to helping get care for over 210,000 Floridians who suffer from TBIs, Tony’s Turkey Trot reminds us that everyone has a story. Danielle’s sister, Candace, suffered from a traumatic brain injury after being thrown from her horse. She lived the last 13 years of her life without any long- or short-term memories. I never got a chance to meet Candace before her accident, but I enjoyed hearing stories about her life. A professional trainer, Candace showed horses and taught kids how to ride. She filled every moment with laughter and loved her family dearly. When someone has an accident, sometimes all people see is the resulting injury, but every person has a lifetime of stories that deserve to be told. I’m proud to honor Candace and share her story through our participation in Tony’s Turkey Trot. In addition to running with my family and our team, Wolf Retirement Navigation will be the lead sponsor of the event. 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.

Last year, nearly 1,800 runners signed up for the race, but due to bad weather, only 600 people ran that morning. This year,

we’re looking at more than 2,000 participants; and, with any luck, everyone will be able to run. If you want to support a great cause — or just earn that extra piece of pie at your Thanksgiving meal — you can register for Tony’s Turkey Trot until Wednesday, Nov. 21, 2018, by visiting TonysTurkeyTrot.com . If you can’t participate in the run but want to join the cause, there are a number of volunteer opportunities still available. And, of course, any donation is greatly appreciated. I would love to see everyone out there having a great time and sharing the stories of people who are no longer able to tell their own stories themselves.

Yours In Service and Friendship,

–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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AN ATTITUDE OF GRATITUDE SHOULD LAST BEYOND THANKSGIVING

Taking the time to acknowledge who and what

gratitude will help you take stock of the positive aspects of your life and dwell less on unhappy thoughts. Being grateful has also been linked to significant health benefits. According to gratitude expert and author Dr. Robert A. Emmons, “Preliminary findings suggest that those who regularly practice grateful thinking do reap emotional, physical, and interpersonal benefits. Adults who keep gratitude journals on a regular basis exercise more regularly, report fewer illness symptoms, feel better about their lives as a whole, and are more optimistic about the future.” How to Practice Gratitude In the above quotation from Dr. Emmons, he mentions the practice of keeping a gratitude journal. This activity is a great way to start seeing the world with a more positive, appreciative eye. As often as you can, take a few minutes to write down the acts,

people, and moments that you’re grateful for. Some will be big, others small — but all will have an impact on your mood and bring a smile to your face. Before you know it, you’ll have an entire book full of good memories and warm feelings. While keeping a journal is great, there are other ways to go about cultivating and expressing gratitude. The easiest one is simply to say “Thanks” whenever you can. It may seem insignificant, but you’d be surprised what a difference it makes. When you approach the world with the perspective that every day is Thanksgiving, it’s only natural to be grateful. We all have moments when we want to curse the world, especially as we get older, and those experiences are perfectly normal. Just as frequently, though, we have moments that are worth celebrating, often with people who are worth appreciating. Which will you think about more?

you’re grateful for is a Thanksgiving tradition far more important than turkey or football. It’s

the cornerstone of the holiday and the reason we feast together in the first place. But when you really think about it, should expressing our gratitude and appreciation for others be limited to one day every year? Of course not! Why Gratitude Matters As we get older, it’s easy to succumb to negativity and pessimism — “Kids these days,” “The world isn’t what it used to be,” etc. The crabby grandparent and angry old neighbor are archetypal depictions of later life. But these fictions don’t have to be your reality. Recognizing and acknowledging

IMPORTANT DATES FOR YOUR CALENDAR

Get Retirement Advice at Home Adam Wolf is delivering retirement advice directly to your home through his finance shows. Catch him on “River City Live” (Channel 4) on Tuesdays twice a month and on “First Coast Living” (NBC 12) on Wednesdays twice monthly.

Tony’s Turkey Trot When: Thanksgiving Day, Thursday, Nov. 22, 2018; 8 a.m. Where: Atlantic Beach Ready to run a 5K on Thanksgiving morning? All of us at Wolf Retirement Navigation invite you to join us at Tony’s Turkey

‘River City Live’ Tuesday, Nov. 13, 2018 Tuesday, Nov. 27, 2018 ‘First Coast Living’ Wednesday, Nov. 7, 2018 Wednesday, Nov. 21, 2018

Adam Wolf with Anne Marie Tucker on “River City Live” talking about the Turkey Trot

Trot, the annual race in Atlantic Beach that

raises awareness for the thousands of Floridians who suffer from traumatic brain

Office Closed! In observance of Thanksgiving Day — and so we can all participate in Tony’s Turkey Trot — both locations will be closed on Thursday, Nov. 22, and Friday, Nov. 23, 2018 . Have a happy Thanksgiving!

injuries. There are no sign-ups on race day, so be sure to register in advance at TonysTurkeyTrot.com .

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How to Reduce Your Tax Bill in 2019

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