• 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 […]

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  • Planning for retirement takes center stage for most boomers today.  While saving, reducing spending and debt, and planning how you will spend your time are important, knowing what events take place at key ages will help manage expectations.  Here are a few key dates. Age 55:  If separated from service, participants may access funds in […]

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  • 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 […]

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  • 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

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  • If you are a new staff member or faculty member of Purdue University, this article will help you learn about child care choices near or on campus while explaining actions the university has taken in recent years to improve choices for faculty, staff, and students. History In 2012, Purdue conducted a Coache survey asking for […]

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  •   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

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  • 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.  […]

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  •   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. Target Date Allocations 2. Importance of Asset Allocation 3. Glide Path for Target Date Funds 4. Benefits and Points of Caution

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