Carmel Magazine August 2021 by Towne Post Network, Inc.

MAGAZINE

AUGUST 2021

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CARMEL EMS LEADERS TALK SAFETY AND PREPARATION SERVED FRESH

BIBIBOP Asian Grill Approaching One-Year Anniversary in Carmel

PROPER PLANNING

Helpful Steps to Take When Arranging for Elder Care

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Austin Brown (far left and standing above) Jared Kinney, Mike Delong, Travis McNair, Shane Hedrick, Arielle Morgan, Division Chief Jon Alverson Captain Andrew Young. Not shown, Dr. Michael Kaufmann, M.D., Medical Director. 2 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

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SERVED FRESH

BIBIBOP Asian Grill Approaching One-Year Anniversary in Carmel

Carmel EMS Leaders Talk Safety and Preparation

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SERVED FRESH

BIBIBOP ASIAN GRILL APPROACHING ONE-YEAR ANNIVERSARY IN CARMEL with how everything has gone at the restaurant since it opened.

Writer / Matt Keating Photographer / Robby Berry

Justin Lawson, general manager of BIBIBOP Asian Grill, says his Carmel location’s outdoor dining area has become a very popular spot for both lunch and dinner customers. “Our outdoor dining has potted flowers and umbrellas in a little bump-out in front of the restaurant,” Lawson says. “It seats about 15 people at eight tables that can be moved around to accommodate larger groups.” Lawson adds that the outdoor dining area has drawn many people who are eager to get out of the house and enjoy some time outside. “During lunch and dinner, the outdoor dining is usually full, weather permitting,” Lawson says. “During lunch it is usually packed outside, and we have some stationary warmers for when the weather gets cooler.” Several guests have commented on how much they enjoy the outdoor dining spot. “The ones who eat outside enjoy the fact that we have a patio area, with the fresh flowers and shaded spaces under the umbrellas, so they can enjoy a nice breeze and sunshine with fresh air,” Lawson says. Lawson says the eatery is approaching its one-year anniversary, and he is very happy

Lawson notes that BIBIBOP is also affordable and won’t have people leaving “We are doing incredibly well,” Lawson says. hungry. “We have great customer service and great, healthy, 100% gluten-free food. It has really “We have healthy, great-tasting food that made an impact here in Carmel.” will fill you up every time,” Lawson says. The eatery’s Supergreen Salad is popular, Lawson notes that Carmel was chosen and it comes with cabbage, chopped kale, a because it’s very diverse, and is also a central mixture of fresh-squeezed lemon juice, and location in the northern Indianapolis metro extra-virgin olive oil. area. Isabel Jarquin, assistant general manager, “Our location has both outstanding says customers have a few easy-to-make customer service and amazing food,” favorites. Lawson says. “Some of the customers’ favorite dishes at BIBIBOP has also been embraced by the BIBIBOP are simple,” Jarquin says. “One public for its community involvement. customer likes the vegetarian tofu bowl. Others prefer mix-and-matching meats and “We have had a great response from the their vegetables.” community through fundraisers,” Lawson says. “We have had 10 total fundraisers Jarquin has her own personal favorite. this year so far. With Carmel High School, three west Carmel elementary schools and a “My preference is the Steak Bowl with YumCarmel Dance Marathon for Riley Hospital, Yum sauce and Gochujang sauce, mixed we were very busy.” together,” she says. Lawson says BIBIBOP’s reputation for excellence has also helped the restaurant.

Jarquin believes the secret to BIBIBOP Asian Grill’s success is simple.

“BIBIBOP is known for serving food as medicine,” he says. “It helps that we are 100% gluten free, and we have keto, vegan, vegetarian and other dietary needs.”

“I think BIBIBOP has been so successful because lots of families come in with their family to have a good time, and enjoy a good meal,” she says.

The gluten-free dishes can help with weight loss, improve gastrointestinal health and increase energy levels. The restaurant has a mix of healthy food prepared with fresh ingredients, all of which is served fast.

“BIBIBOP is also unique because it offers a fast-casual approach to traditional Korean bibimbap - a Korean dish consisting of rice topped with sautéed vegetables, chili paste, and beef or other meat, sometimes with

4 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

the addition of a raw or fried egg - with a focus on freshness in our ingredients, an eye on well-being, and a fast and friendly experience,” adds Tom Stemberski, who oversees both the Carmel and Fishers BIBIBOP locations. Stemberski notes that many customers enjoy making their own bowls of food at the restaurant, but he and his staff want to help people who don’t want to dine in. “Although part of the fun of BIBIBOP is coming in to create your own bowl, we also recognize that we needed to rethink our options of ordering for customers who may not want to come into our stores,” he says. “Aside from dine-in options, we offer online ordering, curbside pickup and delivery options.” Visit BIBIBOP Asian Grill at 365 West 116th Street, Suite 140 in Carmel. For more info, call 317-680-9750 or check out their website at bibibop.com.

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CARMEL EMS LEADERS TALK SAFETY AND PREPARATION Writer / Heather Hunter Photographer / Linda Oldiges

Jon Alverson, division chief of Carmel Fire Department Emergency Medical Services (EMS), and Andrew Young, EMS training captain, have been a team for more than three years. Along with their co-workers, they respond to calls from Carmel citizens in need of emergency medical assistance. Both men love their work. “We signed up to help people, and when those calls come in, it’s a chance to engage, to use our skills, and hopefully create a positive outcome for the patient,” Alverson says. “Our community is great to us. It’s an opportunity for us to be great for them.” Alverson is in his 15th year with the Carmel Fire Department, and Young is in his 17th. Both belong to the 30% of the department’s EMS personnel who are

licensed paramedics. Additionally, every Carmel firefighter is an emergency medical technician, qualified to provide medical assistance at the scene of an emergency. They work as a team to respond to calls across the city. Among the calls EMS has received in 2021, 54% are from senior citizens (those aged 65 and above). “Because of the density of care facilities here, we have a high run-load in that demographic,” Young says. “The typical department, though, is still above 35% to 40%. Seniors are going to be a high volume of patients wherever you go.” When it comes to seniors, EMS responds mostly to falls. Sometimes patients call because of chest pains or other difficulties. No matter the situation, the team comes prepared. Callers can expect a fire engine 6 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

and an ambulance, manned with several firefighters and EMTs. Individuals should not be alarmed by the number of providers, Alverson says. From a scrape to a broken bone, each call gets the same response. “We don’t know what we’re getting into before we come, so we want to be sure we have the resources to handle it,” Alverson says. If you’re able to prepare for EMS to arrive, it’s helpful to lock up your pets and create an easy way for the team to get inside. “Have someone unlock the door, or someone stand outside to wave us in if you can,” Alverson says. Once they arrive, the team splits up to ask the patient some questions, check vitals, and clear a path to the door for a stretcher if necessary. Each EMT knows their role,

will take care of the stuff on the back end, and we’ll lock the house up when we leave.”

and they’ll do their best to make patients comfortable while gathering information. If you aren’t able to prepare, don’t worry. “Do your best to remain calm,” Alverson says. “We’re there to take care of you. We

Under current COVID conditions, EMS can bring a loved one along in the ambulance. If loved ones choose to drive themselves to the hospital, Young says not to rush. “I always tell them, ‘Take your time, stay calm. Don’t tail us if we have the lights and sirens on. Be patient. Your loved one is in very good hands,’” he says.

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The most important information seniors can prepare ahead of time is medical information. The department provides special refrigerator magnets, which can be filled out with medical information, for as many seniors as they can. If you’re lacking one, you can also use a piece of paper to record your recent medical history, medications, allergies, preferred hospital, and emergency contacts. EMTs are trained to look for both magnets and papers on senior citizens’ refrigerators.

before they happen. “We realized there was a gap in health care,” Alverson says. “The fire department is traditionally a reactive service. We wait for a run and we go. Then they started fire prevention. We’ve reached that time in health care. How can we provide education in our community so they can prevent 911 calls?”

Although they hope it isn’t necessary, Alverson and Young agree that it’s also important to keep advance-directive forms on hand.

For seniors, Alverson and Young stress the importance of displaying an emergency contact, and carrying a cell phone or emergency activation pendant. They also recommend that all seniors get a safety assessment of their homes. To help, the department has a resource called a Mobile Integrated Health Program (MIHP). Through the MIHP, a dedicated provider can conduct a fall-prevention assessment in your home. They’ll look for things like cords, rugs, oxygen tubing and other trip hazards that may be overlooked.

“We want to make sure that the person gets the care they want to receive if they are unconscious and they aren’t able to communicate that decision,” Young says. “We’re bound legally to act in the best interest of the patient if we don’t know what they want.”

“In a legitimate situation we’re going to give calm reassurance, and be efficient in getting you transported and getting you to definitive care,” Alverson says.

The form they recommend is the Indiana POST (physician orders for scope of treatment) form, which seniors can fill out with the help of their physician. If you have a POST form or a do-not-resuscitate declaration, make sure a family member or trusted friend knows its location and can pass it on to your care providers.

“There are many times when we have fun patients,” Young says. “If the situation dictates it, you may see some humor from our guys. That realness and that humor can take a situation that is potentially one of the worst days of [the patient’s] life and alleviate The MIHP professional, which could be one that stress. It creates a connection between of a few paramedics, also assists seniors with the provider and the patient.” medical needs.

Despite the serious nature of their work, the crew keeps things light when they can.

Today, one of the department’s top priorities is to prevent emergency situations

They also know how and when to cheer up a patient.

8 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

“If you’re confused about some of your medications, he can provide resources,”

Alverson says. “If you need a bar in your shower, he can come out and recommend different organizations that can provide those things and guide you to appropriate contractors.” The MIHP can also help seniors with food needs, and provide resources for independent- and assisted-living facilities. People of all ages can help by getting a cardiopulmonary resuscitation (CPR) certification. By learning basic, handsonly CPR and how to use an automated external defibrillator, bystanders can buy time for people in medical emergencies while EMS gets to the scene.

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“It’s truly life-saving,” Young says. “Our cardiac arrest patients with better outcomes are the ones who have had CPR before we got there.” Beginning in 2022, once they’ve moved into their new fire station, the department will offer monthly classes for anyone interested. In the meantime, they offer local classes. Interested parties can also get a certification online through the American Heart Association.

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Whether it’s preventative care or emergency services, Carmel EMS is always ready to help. “If you have to ask yourself whether it’s an appropriate situation to call us, then call us,” Alverson says. “Best case, we show up, we do a quick check of the patient, they don’t want to go to the hospital, they sign a document, and we go back to the fire station.” “We want to help people,” Young adds. “If you’re calling 911, you’re having a bad day. Being able to be the person that shows up and maybe even puts a smile on that person’s face, it really is a wonderful feeling. It’s nice to be able to do that for people in our community.” To learn more about Carmel EMS, visit carmel.in.gov. For more info on MIHP resources for seniors, email MIHP@ carmel.in.gov or call 317-571-2606.

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TRAVELING WITH MEDICARE Since travel is beginning to open, we want to help you understand what you need to know about traveling with Medicare insurance. Medicare’s coverage of healthcare services while traveling depends on where you travel and how you receive your Medicare benefits.

TRAVELING INSIDE THE U.S. If you have Original Medicare or Original Medicare with Medigap coverage, you will typically have the same level of coverage anywhere in the United States, (including Puerto Rico, U.S. Virgin Islands, and other territories of the U.S.), if services are provided by doctors and hospitals that accept Original Medicare.

care anywhere in the U.S. without additional cost sharing. You should contact your plan prior to traveling to determine what rules and costs apply when you travel within the U.S. Check the rules closely to determine if your plan offers a visitor or travel benefit. Only certain areas or timeframes may be included, certain services may not be covered, you may have cost-sharing or potentially be responsible for the entire cost of care if you see providers that are outside the plan’s network.

TRAVELING OUTSIDE THE U.S.

Medicare usually does not cover medical care outside the U.S. However, some Medigap policies provide limited coverage for travel abroad. Medigap plans C through If you have a Medicare Advantage Plan, your benefits may or may not cover services G, M, and N may cover 80% of the cost of received outside of your service area. Some emergency care abroad, (with a $250 annual plans may cover providers that are out-ofdeductible and $50,000 lifetime maximum). network or out of your service area, but may Some Medicare Advantage Plans also have have higher cost-sharing, or restrictions limited emergency coverage. Keep in mind, such as prior authorization. Some plans offer although your plan may provide travel telehealth services which would allow you to benefits, you may still be responsible for the connect with a physician via phone or video entire cost at the time of services and then chat to receive a medical assessment. All responsible to seek reimbursement upon Medicare Advantage Plans are required to your return home. Check your policy for provide coverage for emergency and urgent specific coverage rules. 10 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

TRAVELING BY CRUISE SHIP Medicare may pay for medical care you get on a cruise ship if you receive the care while the ship is in U.S. territorial waters. This means the ship is in a U.S. port or within six hours of arrival at or departure from a U.S. port. Medical care received while in a foreign port or foreign waters will likely not be covered depending on how you receive your Medicare benefits. Travel Health Insurance is strongly encouraged, and sometimes required, when traveling out of the U.S. We recommend all Medicare beneficiaries call and discuss your health plan benefits and the options for travel insurance with your trusted Medicare insurance advisor when planning any trip outside of your service area. Happy Traveling!

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Contact us today for a complimentary review. 317.343.3215 or medicare@shepherdins.com Disclaimer: Not affiliated with the U.S. government or federal Medicare program. A licensed agent may / AUGUST / CARMEL MAGAZINE / 11 information. contact you TownePost.com regarding this 2021 insurance-related

Dr. Davisson discusses spinal stenosis with a patient.

Dr. Scott Taylor (left) and Dr. Andrew Davisson (right) have years of experience in the field of physical medicine, pain management and rehabilitation.

Interventional Spine & Pain New Castle Family & Internal Medicine Forest Ridge 2200 Forest Ridge Pkwy, Suite 310 New Castle, IN 47362

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HENRY COMMUNITY HEALTH Writer / Julie Yates Photography Provided

Henry Community Health (HCH) is a medical facility and integrated health system known for its exceptional care, cutting-edge technology and experienced staff. The center serves patients from nearby areas such as Carmel, Fishers, Noblesville and Westfield, and has been ranked in the top 5% nationwide for patient satisfaction for seven straight years by Healthgrades. One aspect that draws patients to HCH is its distinction as a Center of Excellence for spinal stenosis.

One of the team’s goals, Taylor says, is to treat the condition prior to surgery with the Vertiflex system.

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“This outpatient procedure optimizes function and improves the patient’s quality of life, plus it is covered by Medicare. It is a process that opens the spinal canal area by inserting a removable device that is less than an inch long. Patients can walk out of the facility on the very same day, since it is a much less invasive method than traditional surgery,” Taylor says. “A lesser level of anesthesia is required, which lowers the risk for those with underlying conditions. Patient Spinal stenosis is a degenerative process during which the spinal canal satisfaction is at 89 percent. They report they would do it again, as narrows and pressure is put on the nerves. It often goes unnoticed well as recommend it to a friend.” until the patient experiences numbness and pain. Typical treatments involve pain-reducing drugs, steroid injections and, as a last resort, HCH was the first facility in the state to use the Vertiflex system, and surgery. HCH has three physicians who are highly trained in treating continues to treat the largest number of patients in the state who the condition using the Vertiflex system. Doctors Andrew Davisson, opt for it. Afterwards, patients are advised not to lift objects over Rakesh Patel and Scott Taylor have years of experience in the field of 10 to 15 pounds, and to keep twisting and bending to a minimum. physical medicine, pain management and rehabilitation. After a follow-up X-ray, patients are typically back to their favorite “Eighty percent of people get back pain at some time in their life,” Taylor says. “Many start to experience it when they are in their 60s - right at the point where they want to enjoy life, such as working in their yard or taking up a hobby. They have to sit down to get pain relief.” Taylor, a graduate of the Indiana University School of Medicine, grew up with a brother who suffered from cerebral palsy. During medical school he discovered physiatry, a branch of medicine that treats and manages pain related to disabilities of the nerves, bones and muscles. He felt that he had found his calling.

activities within six weeks. The doctors at the facility who perform this method are now trained to instruct other physicians to perform the procedure.

“Many people experience back pain right at retirement time, and it makes enjoying the things they like to do impossible,” Taylor says. “Typical patients have already tried physical therapy, medication and injections. The Vertiflex system is a way to treat pain before resorting to surgery, which is very invasive and involves cutting bones. It’s a step between living with pain and having irreversible changes made in surgery, and it can possibly improve the quality of life.”

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PROPER PLANNING Carol Applegate

Writer / Christy Heitger-Ewing Photography Provided

Aging is a part of life, but that doesn’t mean it’s easy or seamless. Caring for elderly parents as you simultaneously raise your own family is especially challenging. The best gift parents can give their children is to plan for their future and have that plan in place before a major crisis occurs. According to Carol Applegate, an attorney with Applegate & Dillman Elder Law, as parents age, families should look closely at three areas of concern. The first is the health care of the loved one. Families should ask, “What health challenges are my parents facing? What is the prognosis of their condition? Where are they living now and where might they need to live in the future? Do they have physical disabilities or have they had an early diagnosis of memory loss or early Alzheimer’s. How will we know they are receiving good care? “At some point, extra caregivers will most likely be needed,” Applegate says. “The home is not always the answer, because they

HELPFUL STEPS TO TAKE WHEN ARRANGING FOR ELDER CARE may not be safe in that environment.” The second concern is finances. Will they have enough money to pay for their health care or will they “run out” of money to care for themselves.” Ask, “What are their assets? Where are they holding their assets? Are those assets going to be enough for the remainder of their lives?” Consider implementing legal documents, such as power of attorney, to help with their financial situation, as well as their health care representative to help with decisions about their health care. These documents must be signed while a person is still competent and clearly able to express their wishes. Also, of upmost importance are wishes regarding end-of-life treatment. A living will allows a person to express their wishes concerning life support. COVID-19 changed this area drastically. Applegate has had several clients call her saying that the parent was on the way to a hospital with a likely diagnosis of coronavirus. Each was frantic because their parent had a living will and there was a chance that a respirator would help a patient improve but they had 14 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

a living will that said they did not want life support. They wanted to know if they could override their parent’s living will. “These emotional kinds of conversations must take place prior to the crisis,” Applegate says. On the way to the hospital is too late.” Such documents are meant to put families at ease, because if a parent ends up in the hospital, and they have a living will and health care power of attorney, families will know their loved one’s wishes are being honored. If the elder patient is no longer able to make decisions for themselves and are determined to be incompetent - or if they end up in quarantine due to COVID-19 those documents can’t be signed, notarized or witnessed. Court intervention may be necessary and is much more complicated and expensive. The final area to consider involves public benefits that can be used to help pay for care. The help of a professional or an Elder

Law attorney is usually needed to apply and receive those benefits. “It’s important to start planning five or six years in advance to be eligible for those benefits,” Applegate says. “I hear all the time from clients, ‘we should have been in your office five years ago to start this process.’ Getting a plan in place does not mean it can never be changed. Life changes quickly and adjustments to that plan must be made.” Making decisions in the time of crisis are based on emotion and the options are limited. Planning in advance allows for sound decisions based on facts and not emotion. “When we are making decisions in a crisis, we are making emotional decisions,” Applegate says. “When we plan ahead, however, we are making logical decisions.” “COVID has proven to us that our lives can change overnight.” Applegate says. “Many people were caught off-guard during those first few months of COVID, as they recognized that they should have talked about [these topics earlier] but never did.

“IT’S IMPORTANT TO START PLANNING FIVE OR SIX YEARS IN ADVANCE TO BE ELIGIBLE FOR THOSE BENEFITS.” — CAROL APPLEGATE

And now it was too late.” No doubt these are tough conversations to have. The words “nursing home” can strike fear in elderly individuals, but talking issues through makes for a smooth, less stressful transition.

says Applegate, who knows firsthand how doing so can lift the weight of the world off one’s shoulders. “My mom died when my sister was on a cruise,” recalls Applegate, who was instantly both grief-stricken and overwhelmed by the thought of having to make all the funeral arrangements.

“The greatest gift you can ever give your children is to sit down and talk to them about end of life, and what you want to have She soon learned, however, that her mother happen, even down to the funeral planning,” had already taken care of everything, even TownePost.com / AUGUST 2021 / CARMEL MAGAZINE / 15

down to noting that she preferred not to have an obituary printed in the local newspaper.

“THE GREATEST GIFT YOU CAN EVER GIVE YOUR CHILDREN IS TO SIT DOWN AND TALK TO THEM ABOUT END OF LIFE, AND WHAT YOU WANT TO HAVE HAPPEN, EVEN DOWN TO THE FUNERAL PLANNING.”

“That was such a relief because when you’re grieving, you don’t want to deal with the nitty gritty of arranging a funeral and all the decisions that go with it,” Applegate says. “Preplanning is truly a gift.”

— CAROL APPLEGATE

For more on Applegate & Dillman Elder Law, visit dillmanlawgroup.com.

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50-year custom builder veteran Paul Shoopman in front of one of two model lakefront homes at the Waterfront of West Clay in Carmel.

833-525-3466 Writer / Christy Heitger-Ewing Photographer / Eli Beaverson

waterfrontofwestclay.com

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Throughout his career, Shoopman has held true to the same guiding principles — to prioritize and value his employees and partners and to be loyal to those around him. That’s partly why he has been awarded the Better Business Bureau’s (BBB’s) Business of Integrity Award, which recognizes a business with fewer than 11 employees and displays an outstanding level of ethics and integrity in all business dealings.

In addition, Shoopman has been the recipient of the prestigious Sagamore of the Wabash Award, presented by Indiana Gov. Paul Shoopman, president of Paul Shoopman Home Building Group, Inc., was Eric Holcomb, and he has earned a National Entrepreneur of the Year honor from Ernst a freshman in high school when he started & Young. The company has also received his career in the home building business the Foundation Builder Award from 2-10 as a framing crew member. After gaining Home Buyers Warranty. Shoopman is the experience in the industry all through high school, shortly after graduation he built his only builder in the state to have earned 2-10’s Diamond Builder Award for superior first custom ranch home in Center Grove. craftsmanship and customer service. He also “The house and its one-acre lot sold quickly has served as a major donor to dozens of churches and community groups, including for a whopping $34,500,” Shoopman says. Boys & Girls Club, St. Vincent Foundation and St. Mary’s Child Center, and has Since then, Shoopman, who acts as home donated his time to community projects, builder, developer and architect for including the Center Grove Lassie League each project, has gone on to become a Park. He attributes his success to the loyal leading homebuilder in Central Indiana, and solid relationships he has created along and over the past five decades has the way — not only with clients but also constructed nearly 10,000 new homes in with vendors and contractors he works with Zionsville, Westfield, Noblesville, Fishers, Greenwood, Brownsburg, Avon, Greenfield, regularly. 18 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

Two custom model homes are available for tours, appointments recommended.

“I have been with valued partners for as long as I have been in business,” he says. “In fact, I can’t think of any other builder who has the kind of support and long-standing relationships I have with many employees, subcontractors and suppliers.” WATERFRONT OF WEST CLAY: HOMES FOR SALE ON THE WATER Shoopman specializes in waterfront homes. He is thrilled to be bringing luxury lakefront property for sale with his latest development, Waterfront of West Clay. Located on the north side of 116th Street, east of Michigan Road and just minutes away from downtown Carmel and downtown Zionsville, the 95-acre community features plenty of green space and a gorgeous 30-acre lake, perfect for kayaking, sailing and bass fishing. Shoopman offers custom waterfront homes for sale around Indianapolis on residential lots with either lake or wooded views. Waterfront of West Clay offers 95 home sites at three different price points within the Retreat, the Peninsula and the Island areas of community. For those seeking a ranch design, The

Retreat is ideal as it offers a spacious floor plan and ample outdoor relaxation. These home prices start from the $700,000s. The Peninsula section offers both two-story and ranch designs, three- and four-car garages. These homes start from the $800,000s. The extra-large estate lots reside in the Island section and provide homeowners with a pristine view of Big Bass Lake with daylight walk out and wooded lots. Starting at $1M and up, these high-end luxury homes feature a two-story brick entry gatehouse to provide optimal privacy and tranquility. Amenity options include floor-to-ceiling windows and doors, large open kitchens, great rooms, dining areas, garden baths, TownePost.com / AUGUST 2021 / CARMEL MAGAZINE / 19

arched doorways and a choice of walk-out or daylight basements as well as open or screened-in porches overlooking the lake. The builds are some of the best homes for sale on the water in Indianapolis. “We are delighted with this new community for those wishing to live in the Carmel area,” Shoopman says. For more information about Waterfront of West Clay, other lake properties, lot size, open houses and more, visit waterfrontofwestclay.com, email info@waterfrontofwestclay.com or call (833) 525-3466.

CARRYING ON CARDON’S FAMILY TRADITION AT COPPER TRACE Since husband and wife Carroll and Donna Moore opened CarDon & Associates’ first senior living community more than 40 years ago, the company has been about “family caring for family.” Their children went on to form firm bonds with residents, caring for them like their own loved ones and keeping CarDon a family business by taking over ownership from their parents. When you look at the Johnsey family, you can’t help but think about this family connection that made CarDon what it is today. Like the Moores, Amy Johnsey’s children didn’t fall far from the tree, following in their mother’s footsteps by working with her at CarDon’s Westfield community, Copper Trace. The Johnseys live just a mile away from the community, so they saw its construction in 2014. In 2016, Amy served a stint in the dietary department, leaving for personal reasons but happily returning to work as a housekeeper in September of 2019. Amy’s 19-year-old daughter, Anna, joined shortly after in November, picking up where her mom left off in the dietary area. For Amy and Anna, Copper Trace’s sense of family was especially clear the following year, throughout COVID.

“We’ve always had strong community spirit here, but during COVID, we really formed a family,” Amy said. “Since residents’ families couldn’t come in, the staff was their main source of interaction. It was rewarding to be here for them during that time.” That family bond grew even stronger when Amy’s 16-year-old son, Zach, came to work in the dietary department. He and his sister have recruited several of their friends to join them as well. “I think it’s a good experience for people their age to learn patience and to better understand older adults and how to interact with them,” Amy said. “I think it’s been beneficial for Anna and Zach to watch me interact with employees, managers and residents to show them a good work ethic. It’s also been great for them to see me in a different role other than their mom.” But residents don’t let Amy forget that role, as they dote on Anna and Zach like their own grandchildren. “The residents ask about the kids every day,” Amy said. “They feel like an extension of our family. Two of Anna and Zach’s grandparents have passed, and the others live far away, so it’s great for them to have this kind of interaction with older adults.”

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“It’s nice to get to know the residents after Mom has told them so much about us,” Anna said. “We have a strong connection with them now.” Working in the community also strengthens Anna and Zach’s bond as siblings. “It’s fun because I kind of get to boss him around,” Anna said with a giggle. “It’s OK … sometimes,” Zach said with the kind of dry wit and deadpan delivery that earned him the reputation as “the comedian” in the community’s kitchen. Although they joke about working together, you can feel the love behind the laughs. “Working together has been a wonderful experience for all of us,” Amy said. “Copper Trace feels like home.”

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PERSONAL FINANCE THE PROS AND CONS OF REVOCABLE LIVING TRUSTS Writer / Zach Castleman, Senior Tax Accountant, CPA Photography Provided

An increased interest in estate planning has contributed to a rise in popularity of revocable living trusts. Perhaps you have heard of them but you’re fuzzy on the details. Here are the basics. You create a revocable living trust while you are alive, and you can cancel it at any time. Generally, you are both the trustee and the beneficiary, so you keep control of the trust’s assets. With a revocable living trust, you distribute assets to yourself while you’re alive. At your death, a successor trustee distributes the assets in the trust according to your instructions.

SOME OF THE PROS OF A REVOCABLE TRUST It lets your estate avoid probate. Upon death, assets held in the revocable trust bypass probate. What that means is they pass to your heirs without having to put your assets through the probate process with the courts, which can be time consuming and expensive. A successor trustee, whom you named earlier, takes over without court oversight. It lets you avoid ancillary probate in another state. If you move your property into a revocable trust (register the deed to the trust), your heirs will be spared the additional probate hassles that owning property in another state can bring. It protects you if you become incapacitated. If you ever reach the point where you’re unable to manage your own affairs, a successor trustee named by you will step in. That trustee has a fiduciary

responsibility to manage trust assets for your benefit.

SOME OF THE CONS OF A REVOCABLE TRUST It offers no tax benefits. Don’t be lulled into a false sense of security. Shifting assets into a revocable trust won’t save income or estate taxes. You still need to implement appropriate tax-reduction strategies. It lacks asset protection. Although assets held in an irrevocable trust are generally beyond the reach of creditors, that’s not true with a revocable trust. Assets are treated as if they belong to you. If protection is important to you, vulnerable assets might be better off held in an irrevocable trust, a limited liability company, or a family limited partnership.

relative, which is a public and timeconsuming process. With a revocable trust, family members don’t need to go to court to request a guardianship because the backup trustee simply takes over. Weigh the advantages and disadvantages before deciding whether a revocable trust is right for you. To make sure your wishes are carried out, contact your trusted professional advisor. Laws are constantly changing and may differ from state to state. For information on VonLehman CPA & Advisory Firm, located at 5975 Castle Creek Parkway North Drive, Suite 400 in Indianapolis, visit vlcpa.com or call 317-469-0169.

It requires some administrative work. After creating a revocable trust, you must take the time to re-title assets from individual ownership to the trust. Just having one doesn’t do you any good unless you formally move assets into it by transferring legal title. Assets not formally held in the trust still have to go through probate and won’t be under the management of a successor trustee in the case of incapacity. This isn’t necessary for certain types of assets. Holdings such as retirement plans, insurance policies, annuities and jointly held property don’t go through probate. If most of your wealth is in assets like these, you may not need a revocable trust. It may be preferable to getting a guardianship for an aging or disabled 22 / CARMEL MAGAZINE / AUGUST 2021 / TownePost.com

Author attribution: Zach Castleman is a senior tax accountant working out of VonLehman CPA & Advisory Firm’s Indianapolis office. Zach specializes in tax services for a wealth of industries, including manufacturing and distribution, construction and real estate, and nonprofits. Contact Zach at 317.469.0169 or zcastleman@vlcpa.com.

HILL JUSTICE SCHOLARSHIP

Publisher’s note: Mackenzie DeLong won the Hill Justice Scholarship in 2018 and is now a senior at Hanover College. Mackenzie also pays tribute to fallen Carmel firefighter Mark Glenn (Robo) Robinson and his family. Rest in Peace Mark and nicely done Mackenzie.

AN ESSAY BY MACKENZIE DELONG

Growing up, I believed that it was normal for your dad not to be home every night. I thought it was normal to celebrate Christmas a couple days early because Dad had to work. Normal, for Dad to be gone at days at a time because he had overtime or worked late for someone. Growing up this was the life I knew, but now I realize that my dad made the sacrifices he did because he was passionate about helping others. My dad has been a firefighter since I was born, and I can’t imagine my life being any other way. Having a parent who is a first responder has made me realize that sometimes sacrifices must be made in order to help others, and that you never know how much time you have with the ones you love.

Michael DeLong, father Mackenzie, older daughter Landen, younger daughter

A parent never wants to miss out on part of their child’s life. My dad tried his hardest to come to all of my soccer games and all of the important school events. However, sometimes he just couldn’t make it happen. I always wished that my dad could watch me play because I felt comfort in knowing he was in the stands, but I now know that there are some things more important than a young girl’s soccer game. I remember one night my mom had some neighbors over for dinner and my dad was at the station; his days were usually very uneventful with false alarms and small ambulance runs. However, on this particular day my mom turned on the news and a large apartment complex showed on the screen engulfed in flames. As naïve as I was at this age, every time I saw a fireman on TV I always asked if it was my dad and my mom always answered with no, but that day the answer was different. As I watched the apartment building continue to be demolished by angry flames I realized why my dad did what he did. Why he missed games or school plays, or swim lessons. He sacrificed his time with his family to save other families. We watched the fire all night praying that each tenant TownePost.com / AUGUST 2021 / CARMEL MAGAZINE / 23

would be unharmed and that my dad would make it back home the next morning. This past year a fellow firefighter lost his life to cancer. This was ruled as an on the job death because doctors had decided that his job was the cause of this fatal disease. This fireman, by the name Mark Robinson, left behind 3 kids and a wife. He made the ultimate sacrifice, he may not have died in a physical fire, but it was the hazardous job that led to the cancer that inevitably took his life. When my dad first told me about the passing of Mark I immediately empathized with the kids. I knew what it felt like to have a Dad as a first responder and I couldn’t imagine if a job that helped so many others took away one of the most important things to me. No one can prepare someone for something like that and no one can be blamed. Some people are called to help others even if it means they could be putting themselves at risk. I realized that my dad isn’t just at risk when he is inside a burning building, but also the dangerous long-term effects of his job. Not having my dad home all the time and with the constant worry of the stress and effects of the job I have learned to truly cherish all of my moments with not only him, but everyone else in my life as well. You sincerely don’t know how much time you have with the ones you love. I am incredibly grateful to have the Dad that I have. He has taught me to live each moment fully and that helping others should always be a priority. My dad has pushed me each and every day to be the best version of myself and I am eternally appreciative of his constant encouraging words. I would not be where I am today without my dad. While he may be a hero in other people’s eyes for his line work, he is my hero because of the father that he is and the sacrifices he continues to make each and every day.

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