Wolf Retirement Navigation - November 2021

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:

November 2021

An Attitude of Gratitude

The Spirit of Tradition This Holiday Season

The staff here at Wolf Retirement Navigation is a family. We cheer one another on, we motivate one another, and we share a common love for helping our clients. Our clients are also family, a constantly growing and changing family; and, together, we plan, navigate, and transition. Families do everything with support, and nobody is ever left behind. As I review the past year, I think about the beautiful “circle of life” that our large family progresses through and experiences, watching the plans that we put in place come to fruition. Of course, we never want to see the follow-through played out, but the transition of death is an inevitable part of life. Luckily, via that close relationship of a tax advisor, attorney, and financial advisor, these estate and legacy transitions are seamlessly handled. And what a comfort this smooth transition is for the children. Part of the Wolf Retirement Navigation’s motto is “building smarter plans and lifelong partnerships,” and that lifelong partnership continues with the next generation. In the office, we also celebrate our clients’ successes: the marriages (especially those performed in the office), the births of our clients’ children and grandchildren, and the accomplishment of goals. I am grateful to be a part of something so beautiful to share and take part in these moments with my Wolf Retirement Navigation family. This year, I have much to be grateful for and to reflect upon! From the Wolf Retirement Navigation family to you and yours, in the splendor of tradition, Happy Thanksgiving.

In this day and age, as we navigate some difficult times, we witness a lot of negativity and lost hope in our world. The pandemic has drastically impacted the lives of many and has impacted our businesses, health, personal goals, aspirations, plans, and relationships; and we are still in the thick of it. However, in such an uncertain time in our nation’s history, there is much of which I am certain. When I get bogged down, I like to take a step back and express my gratitude for my family, friends, and the parents who raised me. I am especially grateful for my daughter and the blessings she provides for me every day — the bond between a father and daughter is like no other. I also appreciate the dedication and support of my staff and clients. I am thankful for my health and the health of my family, the staff, and our clients. Barring current circumstances, health is not something to take for granted; and every day I am appreciative to be alive and ready to take on another day. As I reflected upon the many things I cherish and am thankful for, I couldn’t help but notice the similarities between my personal family and the business family — and the appreciation that I have for both families alike.

I am grateful to be a part of something so beautiful to share and take part in these moments with my Wolf Retirement Navigation family.

-Adam Wolf, CPA, CFP ®

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.

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.

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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Comparison Shop Like a Champ During the Holiday Season

The best deal isn’t always the lowest price . If you’re buying gifts online, be sure to take shipping costs into account. They might end up making the cheaper option more expensive in the end. You should also take a look at the return fees, in case these could drive the price up significantly. Look at the per unit price for food. If you’re buying groceries for Thanksgiving dinner, sometimes the item that’s more expensive at face value is actually cheaper per unit. That can mean you’ll save money overall by buying in bulk. Be wary of markups. Black Friday can leave you feeling frenzied, and that’s not always when stores have their best deals. In fact, many of them mark up their prices (sometimes “discounting” them back to their regular price) in preparation for that day. It’s a good rule of thumb to be wary of massive “sales” at big retail locations. If you want to know where you can compare prices, take a look at any one of these apps: Google Shopping, PriceGrabber, Shopping.com, Idealo, Shopzilla, BuyVia, NowDiscount, ScanLife, or ShopSavvy.

The holiday season can be expensive. Sure, you might describe this time of year with less cynical words like “magical” or “warm,” but unfortunately, most stores don’t accept magic or warmth as legal tender. Whether it be for gifts or for holiday meals and treats,

most people want to get the most for their money while saving their time and energy. That’s what makes comparison shopping in the age of technology so worthwhile. In case you didn’t already guess its meaning, “comparison shopping” is simply when you compare prices of the same or similar products at different stores or online retailers. You’ve probably done comparison shopping without knowing you were doing it. However, once you truly embrace the concept, you

can increase your savings. Plus, by using the bevy of online price comparison tools, you can do so without scrambling around to every store in town.

If you want to comparison shop like a champ this holiday season, here are a few general tips.

EMPLOYEE SPOTLIGHT

EILEEN YBANEZ IN THE SPOTLIGHT

that Wolf Retirement is “home,” and she truly enjoys her job and the clients with whom she works. “When I first started working here, I was only here for two weeks, and I told Adam that I had some vacation time previously planned. He wasn’t worried and paid me for a two-week vacation right away. That’s just the kind of guy that he is,” Eileen said, smiling. Eileen and her husband have been very active in Saint Joseph’s Catholic Church for the past 20 years and help the homeless ministry as well. She loves the support of the members and her community. Here at Wolf Retirement Navigation, we are extremely blessed to have her. Especially in this month of thanks and giving, we appreciate you, Eileen!

administration. “I always did really well in school,” Eileen stated. “I would always nail the tough questions and miss the easy ones.” She has accumulated over 25 years of experience in banking, including mortgage loan processing, insurance, and securities. She currently holds her series 65 investment advisor’s license. “Getting into the industry, I was attracted to it because I like helping people with their finances. Each case is different, and I love taking on new challenges. It’s a very thankful job,” Eileen explained. She met Adam at Wolf Retirement when the office discovered her resume on Indeed in November 2017. “I wasn’t really expecting it, but four people interviewed me that day. I immediately fell in love with the office and the staff. It was a great fit from the start,” Eileen recalled. Eileen feels

Eileen is our Director of Client Services and an integral part of our team! Having been presented with multiple recognition awards for amazing customer service, Eileen is a warm face for our clients, and she takes on many roles in our office. Eileen graduated magna cum laude from Lenoir-Rhyne University in Hickory, North Carolina with a Bachelor of Arts in business

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A New Way to Keep in Touch and Updated

CALENDAR OF EVENTS November 2021 9 — Smart Retirement Tax workshop at Thrasher Horne 10 — Smart Retirement Tax workshop at Thrasher Horne 16 — State of the Retirement Webinar 25 — Tony’s Turkey Trot 5K in Atlantic Beach December 2021 7 — State of the Retirement Webinar 9 — Holiday Party at Casa Marina

We are thrilled to announce that we have a swift, easy, and reliable way to communicate with you.

Move on over, email, because now receiving important information and updates and communicating with our office is made easier with a new texting service! Sometimes, sending or replying to a text message is much easier than making a phone call, and it’s always nice to have certain details in text format for reference purposes. To ensure ease with this new system, we encourage you to save our text number 904-664-9193 in your phone as “Wolf Retirement Navigation.”

We look forward to texting with you soon!

SUDOKU

INGREDIENTS

• 1 box brownie mix, plus other ingredients listed on box • 1/2 cup chocolate chips • 1/2 can pumpkin purée

• 6 oz cream cheese, softened • 3 tbsp sugar • 1 tbsp pumpkin pie spice

DIRECTIONS

5. Add the pumpkin mixture to the pan, evenly or in a pattern. Cover with the rest of the brownie mix and spread evenly. 6. Bake as directed on the brownie box, adding 10 minutes to account for the pumpkin. Test for doneness, and when your toothpick comes out clean, cool and enjoy!

1. Preheat the oven as directed on the brownie box, then make the brownie mix. Fold in chocolate chips. 2. In a medium bowl, combine pumpkin purée, cream cheese, sugar, and pumpkin pie spice. 3. Choose your pan as directed on the brownie box. Grease it if needed. 4. Pour half of the brownie mix into the pan and spread evenly.

Solution on Page 4

Inspired by TheCookieRookie.com

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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

INSIDE

Solution to puzzle on Page 3

• Thanksgiving Gratitude PAGE 1

• Comparison Shop Like a

Champ This Holiday Season PAGE 2

• Employee Spotlight PAGE 2

• Introducing Something New PAGE 3

• Easy Pumpkin Brownies PAGE 3

• The First Thanksgiving Menu PAGE 4

E very Thanksgiving, we gather with our families and friends and pig out. Turkey, cranberry sauce, and stuffing, oh my! But did the Pilgrims actually eat all the same foods we do today? When we sit down at the Thanksgiving table, we are blessed with mashed potatoes, candied yams, green bean casserole, turkey, stuffing, and pumpkin pie. However, if we wanted to be historically accurate, we would need to change up that dinner spread a bit. Historians know of a few foods on the table that Pilgrims and Wampanoags shared at Plymouth Colony in 1621. Wildfowl, corn (in grain form for porridge), and venison were THE FIRST THANKSGIVING What Was on the Menu?

For dessert, pumpkin pie was not yet a thing either. Although the Pilgrims liked pumpkins, they didn’t have the butter and wheat flour needed to make pie crust. Instead, they hollowed out the pumpkins (just like Halloween!) and filled them with milk and honey to make a custard and then roasted them. Although our Thanksgiving meals have changed over the years, it still is a fantastic time to get together and celebrate. In the spirit of evolving traditions, don’t be afraid to innovate to add your own personal traditional twist to the holiday as well!

sure to be served at the first Thanksgiving. Wild turkey was also a common and abundant food source but wasn’t likely the main course as it is today. A few days before the first Thanksgiving, the colony’s governor put four men in charge of hunting for birds for the feast, and they very likely returned with some turkey. However, as far as mashed potatoes are concerned, in the early 1600s, most Europeans and the Wampanoag had no idea what a potato was. They weren’t cultivated in North America until the 1700s. Likewise, cranberries were still very new to the Pilgrims, and they didn’t yet use them for food — instead, they used them to make dyes for fabrics!

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HELP US SPREAD SOME HOLIDAY CHEER!

T his holiday season, one of our very own clients — and father of Robin Klob, our Marketing and Events Coordinator — has put into place a beautiful way to “give back.” Marshall Klob has a remarkable talent and has decided to utilize it to raise money for the Police Athletic League of Jacksonville (JaxPAL). JaxPAL locations throughout our community enrich the lives of children by creating positive relationships between law enforcement officers and the youth of our communities through education, athletic, leadership, and outreach programs. With sports programs, after-school groups, summer camp opportunities, leadership development, and outreach programs, JaxPAL provides a safe haven from the everyday realities of crime and violence for more than 4,700 at-risk children each year. HOW WILL MONEY BE RAISED? Marshall is a gifted artist and craftsman and loves creating beautiful ornaments using a wood lathe. He has the ability to take upcycled branches, utilizing a variety of different woods, and turn them into spectacular ornaments to cherish for this holiday season and many thereafter. HOW CAN YOU HELP? Marshall’s ornaments will be on display and for sale for $20 each starting Monday, Nov. 29, through Thursday, Dec. 16, 2021, at both Wolf Retirement Navigation offices. Ornaments will also be available to purchase at our Christmas Party on Thursday, Dec. 9, 2021. Anyone interested in making a purchase, with the proceeds going back to JaxPAL, is welcome and encouraged to help us make a difference for this very special and endearing Police Athletic League program. A TAD ABOUT THE MAN BEHIND THE MAGIC

spalting into account. He spends much time spinning and whittling down the wood to customize each individualized design that comes through on the wood. Marshall and his wife Kristine have volunteered with Robin at JaxPAL Christmas parties in years prior and was honored to have the opportunity to partake in holiday crafts and events with the children. In support of JaxPAL and the selfless generosity

of Marshall, stop by the office to support this great cause and assist us in spreading Christmas and holiday cheer to our cherished JaxPAL children!

“HE GETS LOST IN HIS WORKSHOP FOR HOURS, POURING HIS HEART INTO HIS WORK.”

Marshall is a retired craftsman and builder. Prior to retirement, he built himself a workshop in his backyard, and now woodworking is a full-time hobby. He gets lost in his workshop for hours, pouring his heart into his work. Marshall enjoys the idea of upcycling materials by taking something that appears discarded and turning it into something absolutely beautiful. With each ornament Marshall creates, a lot of forethought and preparation goes into the process. He plans out exactly how he’s going to “turn the wood,” taking the individual grain and