• Life throws us curveballs all the time. Most of these curveballs we navigate easily, but some end in misfortune with a death. Typically, if satisfactory planning is not completed, the bad luck may continue for months, years, or even decades in the form of lost income, medical bills, or final expenses. How does this happen? […]

    Nathan Carmany
  • Healthcare plans are important to our quality of life and remain one of the most important benefits employers provide. Healthcare keeps citizens productive. Yet, the issue remains a hotbed for politicians, business owners, workers, and citizens. We see the headlines coming out of Washington from politicians and the posts from our friends on social media. […]

    Nathan Carmany
  • What is disability insurance? Disability insurance replaces income if an employee becomes ill or injured and can no longer work. Like with life insurance, individual and group (employer-sponsored) policies exist. Here we discuss the general qualities of disability policies. Benefits of disability insurance Disability insurance coverage may provide several benefits, including: -Replacing most income -Preventing […]

    Nathan Carmany
  •   Socially Responsible Investing + Planning = Better World Feats of Financial Engineering Topics: 1. Transferring Credit Card Debt 2. Increasing Portfolio Risk 3. Letting Your Gains Run 4. Borrowing Money to Make Money What more information on risk management?  Check out this article.

    Nathan Carmany
  • THE TEXT My insurance agent sent me a text a few weeks ago. (We are friends and used to work together.) Like most people who are busy, I failed to reply in a timely matter.  The nature of his communication was a notice of our annual review and an opportunity to shoot the breeze to […]

    ncarmany
  • Life throws us curveballs all the time. Most of these curveballs we navigate easily, but some end in misfortune with a death. Typically, if satisfactory planning is not completed upfront, the bad luck may continue for months, years, or even decades in the form of lost income, medical bills, or final expenses.  How does this […]

    ncarmany
  • We left the nursing home knowing Grandma was not doing well.  Often, the family visited over the next several weeks as she got better and later returned home.  Variations of the two-sentence story become a reality for more families every year.  As parents of boomers and boomers age, not only does providing extended healthcare become […]

    ncarmany
  • I help Purdue faculty make the most of their benefits and 403(b) retirement plan. Contact Information: ncarmany@thewatermarkgrp.com, 317-805-0840 Service Levels 1. Risk Capacity 2. Perceived Risk 3. Required Risk 4. Risk Tolerance

    ncarmany
  •   I help Purdue faculty make the most of their benefits and 403(b) retirement plan. Contact Information: ncarmany@thewatermarkgrp.com, 317-805-0840 Topics: 1. What is risk 2. Ways to deal with risk 3. Avoidance 4. Transfer 5. Reduction 6. Retain Sources: UNDERSTANDING RISK

    ncarmany
  • Not being able to work may prove disastrous to a family’s financial well-being.  However, transferring the risk to an insurance company via disability insurance makes sense. What is disability insurance? Disability insurance replaces income if an employee becomes ill or injured and can no longer work.  Like life insurance, individual and group (employer-sponsored) policies exist.  […]

    ncarmany