Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (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.

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 Retirement Wealth Advisors, Inc.

The Better Business Bureau (BBB) is a membership organization governed by The Council of BBBs, Inc. Businesses in the U.S. and Canada may apply for accreditation with their local BBB and are evaluated on eight BBB Standards of Trust, which are defined as a comprehensive set of best practices for how businesses should treat the public in a fair and honest manner. Businesses must pay a fee for accreditation review and monitoring for continued compliance to BBB standards when applying for accreditation. BBB assigns ratings to accredited businesses, which range from A+ (highest) to F (lowest)

and are based on a defined set of rating elements. BBB logos and/or trademarks are property of their respective owners, and no endorsement of Adam Wolf or Wolf Retirement Navigation LLC is stated or implied. BBB and Retirement Wealth Advisors, Inc. (RWA) are not affiliated. For the detailed requirements of the Better Business Bureau, please visit https://www.bbb.org/.

“The List” is an annual list of local companies in various categories provided by the Jacksonville Business Journal, a publication owned by American City Business Journals. Any area companies with a Certified Financial Planner (CFP) professional on staff may apply for consideration and there are no other minimum criteria or fee paid to be considered. The List of Certified Financial Planners ranks companies in order based on two factors: number of local CFPs and number of total employees.

For more information about Jacksonville Business Journal’s “The List” and to purchase rights to view the full list, please visit: https://www.bizjournals.com/jacksonville/subscriber-only/2019/07/12/certified-financial-planners.html