




Dear Readers,
April marks the one-year anniversary of Carmel City Lifestyle—and what a year it has been! Moving here more than two years ago, my family decided to invest in Carmel and make this our home. The birth of this magazine has been transformative for our family and this community. We are so grateful to our readers for embracing us and for the many businesses, nonprofits and individuals who make Carmel one of the best places to live in the country.
We love that our first anniversary corresponds with the April “Investment” issue.
Investment by definition is the act of devoting time, effort, energy or money to a particular undertaking with the expectation of a worthwhile result. We can invest in our community, our relationships, our finances and our health with the hope that the effort will have a positive impact.
In this issue, we have poured our hearts into sharing stories of the various types of investment that better our city. Indiana Wind Symphony Conductor Charles Conrad shares how he has invested in the community through his passion for the arts. Dr. Matt Schulke of Schulke Chiropractic & Wellness Solutions talks about how we have to invest in our own healing. NEXA Mortgage Broker James Jenkins offers advice for those of us who have invested or who plan to invest in a home. Edward Jones Financial Advisor Jeremy Coons addresses investing for the future.
On a personal level, we can invest in our community by volunteering and supporting local businesses, schools and organizations. We can invest in our families and enrich relationships by prioritizing the people in our lives that mean the most to us. This type of investment meaningfully impacts not only ourselves but the people around us. While investing can look different from person to person, the effort we expend yields immeasurable results, and the shared sense of community serves to strengthen us all and build connections with each other.
Thank you for reading and helping us celebrate our first anniversary!
Andrea Kulsrud | andrea.kulsrud@citylifestyle.com
Amy Adams | amy.adams@citylifestyle.com
Angela Broockerd
Logan Clark (Maverick Marketing), Brianna
Richardson Photography, Kelsey Anne Photo + Film, Mary Kissel, Kelli White Photography, Janie Jones
Pure Barre, at 726 Adams St. in Carmel, is offering $12 drop-in classes April 8 through 14 for new and returning clients. Raffle tickets can be earned all week, plus enjoy a Wine Down Wednesday sip and shop, Abby’s Garden Parties at 11:30 a.m. Saturday and more. In addition, the studio will be offering a 10-class package for $240 and 24% off the first month for new memberships.
From 1 to 4 p.m. on April 8, you can bring your lawn chairs and blankets to the Lawn at Clay Terrace, behind Kona Grill, to celebrate with live music from World’s Apart, a Journey/80s tribute band, along with face painters, “moon” bounce, selfie station, food trucks and more. Then, experience the total solar eclipse at approximately 3:06 p.m. Registration is required at clayterrace.com/events, and all registrants will receive approved eclipse-viewing safety glasses.
In addition to the location at 14400 Clay Terrace Blvd., Scenthound owners Doug and Sarah Davis have opened a second location in Zionsville at 61 Boone Village. A wellness-focused, membership-based dog groomer, Scenthound focuses on preventative care for canines. The acronym SCENT stands for Skin, Coat, Ears, Nails and Teeth, the five core focus areas of routine care for dogs in Scenthound’s Monthly Care Club. Members receive 25% off additional services, including haircuts.
Conductor Charles Conrad, Music Is a Lifelong Investment
ARTICLE BY AMY ADAMS PHOTOGRAPHY BY LOGAN CLARK (MAVERICK MARKETING)In the 1920s and 1930s, many schools across the United States instituted the Music Memory Contest. Each fall in Indiana, schools received a list of musical selections for the year, ranging from Bach to Wagner. At Conrad’s elementary school, students
“The key to success is perseverance, especially in music. Your whole life people tell you music is not a career.”
listened to music over the PA system every morning, and their teacher would talk about the piece and the composer. At the end of each semester, the students would take a quiz. The highest-scoring students got to go hear the Indianapolis Symphony Orchestra play the year’s musical selections in a live performance.
Conrad went every year.
He began taking piano lessons around second grade. Then a couple of years later, his father came home with a cornet he won at a poker game, and Conrad’s music world changed.
Conrad graduated from Arlington High School in Indianapolis and then from the Indiana University School of Music with a bachelor’s degree in trumpet performance.
Family connections led him to the Carmel Symphony Orchestra, which was formed in 1976 and was searching for an assistant conductor.
“I had to take a conducting class in college, but I had never really thought about pursuing it,” Conrad says. “But I got in front of the Carmel Symphony, and I loved it!”
With a newfound love of conducting, Conrad entered a program at Butler University that was so new that some of his courses were one-on-one with professors. He earned the first master’s degree Butler granted in conducting and went on to earn a doctorate degree in orchestral conducting from Ball State University.
However, Conrad would learn what he calls a “dirty little secret” in the music world—orchestras don’t often choose brass players as conductors. But Conrad didn’t let that stop him.
“I reinvented myself and became a band conductor,” he says.
Conrad founded the Indiana Wind Symphony, IWS, in 1997.
“A wind symphony is basically a concert band,” Conrad explains. “It’s a very large one. We don’t have any strings. It is all woodwinds, brass and percussion with maybe a bass, a piano or a harp.”
Fully staffed, the symphony has around 80 volunteer members, including professional musicians, music educators and serious musicians who work in a variety of professions by day.
A resident company for the Carmel Center for the Performing Arts since 2011, the IWS performs around 15 concerts a year, including six concerts at The Palladium. They play music from 250 years ago up to the music of today, from musicals to operas to … a piece about a giant beetle.
They also perform wind chamber music at The Studio Theater with anywhere from three to 25 musicians, one on a part.
Despite the fact that Conrad is retiring from the IWS this spring, he will still be traveling this summer to Italy with a group of around 50 to conduct concerts throughout the country, including in Carmel’s sister city Cortona. The concerts will mark the 100th anniversary of the death of Italian composer Giacomo Puccini and will include some of his music, with soprano soloist Jessamyn Anderson performing the arias.
For Conrad, conducting overseas is nothing new, as he has conducted in more than 10 European countries. He also lent his skills to the National Trumpet Competition, served as historical music consultant for the 2011 movie Water for Elephants and is working on a book about the history of American circus music.
And if Conrad’s musical influence runs wide, it also runs deep. He and his wife Ann have invested their lives into the musical landscape of the community for years. Ann served as Carmel High School choral director for
The job of the conductor is to be a tour guide in the musical world—to interpret what the composer has to say through the music to the orchestra and then to the audience.
38 years, and Conrad served as choir director at John Knox Presbyterian Church in Indianapolis for more than 20 years. In addition, he has maintained a large private trumpet studio where he is coming up on teaching his 80,000th lesson.
“I am most proud of starting a wind symphony that has risen to be nationally known as one of the best adult non-professional bands,” Conrad says. “That is definitely the most important thing I’ve done. That and my trumpet players.”
Although Conrad is retiring from the IWS, he is not stepping away from music. In fact, he’s
putting off shoulder surgery to make sure he can still do some guest conducting.
“My big plans are to travel,” he says, “to see great art and hear great music.”
The IWS Springtime Celebration at 6:30 p.m. April 29 will feature the premiere of a piece called “Visions,” composed and conducted by Nashville conductor David Sartor in honor of Charles Conrad. The performance will also showcase guest conductor Jay Gephart, a faculty member and director at Purdue University who is set to become the next IWS director.
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In decades past, people protected their most valuable assets in bank vaults, like the gilded antique restored by Indianapolis law firm Barnes & Thornburg pictured on the cover and the following page. These days, massive enclosures have been replaced with digital currencies and global securities, bringing new challenges for investors. Carmel City Lifestyle turned to Jeremy Coons with Edward Jones to learn how financial advisors think in the digital age.
"In my industry, we have sometimes been pigeonholed as stock brokers," Coons says. "That is very outdated. Stocks are just a small fraction of the services we offer."
Coons helps clients with tax, estate and retirement planning, as well as risk management and more.
“IF I CAN BE A DIFFERENCE MAKER, IF ONE PERSON BENEFITS FROM MY ADVICE, WHETHER THEY BECOME A CLIENT OR NOT, THAT IS WORTH IT.”
Coons grew up in Hobart, Indiana, where his father worked for U.S. Steel. He watched both his parents graduate from college, which he found inspirational. However, he also witnessed his parents live through a period where having a financial advisor would have really benefited them.
“That is probably the impetus for me to do what I do,” Coons says. “If I can be a difference maker, if one person benefits from my advice whether they ever become a client or not, that’s worth it.”
After earning a degree in economics from Wabash College, Coons trained with Edward Jones to take over an office on the southeast side of Indianapolis. Following that first job, he moved to a position with TD Ameritrade, which was acquired by Charles Schwab in 2020. As time went on, Coons began to realize he had maxed out his career progression options there.
Then financial advisor Tim McAshlan reached out to him about joining him at his Edward Jones office in The Village of WestClay as McAshlan was preparing to retire. Both McAshlan and Char Conwell, senior branch office administrator, interviewed candidates separately and compared notes.
“Jeremy came out on top,” McAshlan says. “We both agreed that he would be a good fit, and he’s been a team member since then, and we work in tandem.”
McAshlan officially entered a two-year retirement transition in January.
“Tim has done the right thing by clients which obviously shows in the business he’s built,” Coons says. “I knew it was the perfect opportunity to be able to serve people where I live. And now that our child is growing up in the city, Abby and I have even more of a vested interest in seeing it excel.”
When Coons first sits down with potential clients, he doesn’t start talking about asset allocation, or where and how they want to invest. Instead, Coons asks people about their priorities. What are their needs, wants and wishes? What are their goals for the future?
“People don’t care how much you know until they know how much you care,” Coons says. “To me, what is most fulfilling is when a client takes money out and does the thing they’ve been wanting to do. That may not be good for business; but I’m not a salesperson, I’m a wealth advisor.”
CONTINUED >
Coons advises people to avoid three financial pitfalls.
1. “Get rich quick” schemes promise high returns over a short timeframe with, seemingly, little to no risk. If it seems too good to be true, it probably is.
“Speculating is not investing,” Coons advises.
2. The FIRE Movement encourages people to live as minimally as possible so they can retire early. In fact, FIRE stands for “Financial Independence, Retire Early.”
“There’s nothing wrong with wanting to save and invest,” Coons says. “But the mindset of deprivation is dangerous. There has to be a balance of enjoying today because tomorrow isn’t promised. Find a career you enjoy so that you don’t have to worry about retiring early.”
3. “Lifestyle creep” can cause problems when people don’t increase the amount of money they are saving as their income increases. While it is normal for people’s standard of living to rise with their income, Coons warns against making more money but saving less.
Coons talks to his clients about “paycheck replacement,” which examines a variety of factors, including insurance and taxes.
“Most people have insurance through their work, but it’s usually insufficient. There are insurance products that people do need,” Coons says. “Then, taxes are the largest expense of a person’s life. Through strategic tax planning, we can lower the total over-life tax burden. That makes a big difference.”
Whether it’s equity compensation, umbrella insurance or business succession plans, Coons says his resources include a referral network with accountants and attorneys, who are an extension of his team. Edward Jones also offers clients access to a sophisticated software program called MoneyGuidePro. Coons says MoneyGuidePro can examine assets, liabilities, income streams and spending in a lot of different ways to answer those “what if” questions.
“For 99% of clients, their greatest fear is running out of money before they die and having to depend on someone else,” Coons says.
He helps people overcome that fear through sound financial advice. As a Certified Financial Planner, the gold standard designation in the industry, Coons must meet rigorous education, training and ethical standards. Honesty is paramount when he has to be able to defend in a court of law that his recommendations are what is best for his clients.
“Numbers on the screen are fun to look at, but there’s no emotion behind it,” Coons says. “That’s where goals become important. When it comes to investing, the idea is to put off the desires of today for a broader vision in the future.”
Coons hopes to become a resource for people in the community and be viewed that way rather than as a salesperson. One of his future plans involves holding quarterly educational opportunities for people in the community at The Meeting House near the Edward Jones office in the Village of WestClay.
“I hope that if people realize they need an advisor or want a second opinion, they will come to me,” Coons says. “I want growth to come from referrals from people who see value in what we offer and want to share it with people they care about.”
For more than a decade, James Jenkins has been specializing in helping clients find just the right mortgage. Having graduated from the University of Oklahoma, Jenkins moved to Indiana in 2007. He began his mortgage career working for a bank and learning all he could about the mortgage industry. And the more he learned, the more he realized how many options are available to buyers outside of what a single retail lender can offer.
So Jenkins recently branched out as a wholesale lender with NEXA Mortgage.
“I love seeing that moment when people have been renting for way too long and they are ready to buy,” Jenkins says. “I love helping them get the home they didn’t think they could get.”
Here's what Jenkins has to say.
ARTICLE BY AMY ADAMS PHOTOGRAPHY BY LOGAN CLARK (MAVERICK MARKETING)It’s called the “American Dream” for a reason. Whether you are a renter or a buyer, since you’ve been living on your own, what is the only thing you’ve paid every month of your life? When’s the last time you didn’t pay for where you are living? You can’t say where you live is not an investment. We’re talking about investing in not sleeping outside. People choose to live in Carmel for the quality of life, and for their child’s education. That’s an investment.
Brokers are wholesale lenders. They are much more flexible than retail lenders. As a broker, I don’t work for a bank, I work for the person buying the house. I have zero responsibility to make the bank happy. My responsibility is to make my client happy. Working with a broker is a relationship. I will become your friend. You will end up asking me all sorts of questions. What keeps people working with me is that I can show them the tips and tricks of the trade that they won’t hear from a banker.
A lot of people say that they want to wait until the interest rates are better. When rates go up, prices come down—and the exact opposite. You can’t have it both ways, so don’t get stuck on rate. I would rather buy a house with a high rate and have equity when the values go up rather than be upside down and pay more for a house now than it would ultimately be worth. I also tell buyers not to purchase discount points. Do you really want to give me 10 grand to save $80 a month? No. You want to take the par rate and refinance later for free. I can always refinance the house, and when I do I will have equity and a lower payment.
There’s no such thing as a one-size-fits-all mortgage. A loan formula is a cookie-cutter based on many assumptions. I treat each client as an individual, not a number, whether they need a conventional, FHA, USDA, DSCR or other investment or even commercial loan.
Mortgage Broker with NEXA Mortgage
The number one thing I recommend to people is to be patient and shop your mortgage. Most people don’t like their credit score pulled. That’s why they don’t shop around. I can shop your loan with 200 banks and only pull your credit score one time. The big thing to remember is that rates can always be changed with a refinance. Get the house you want, and get the price later.
Refinance is not a dirty word. The average homeowner refinances their home seven times. A lot of people put their loan on auto-pilot. They have a fixed rate, and they don’t think about it. The biggest misconception is that you have to go back to 30 years in a refinance, but you can pick any amount of time that you would like. If you’ve purchased your home in the last six months, you should consider refinancing because interest rates are lower now.
“We have had hundreds of patients and have had very good success. It’s incredible.
When Westfield High School graduate Matt Schulke entered Ball State University as a pre-med major, he had no idea what chiropractic was. However, when he experienced significant back pain, a chiropractor’s office was where he landed for relief. Not only did his back pain improve, but some other issues went away.
“As I learned more, chiropractic resonated with me from a more natural-based healthcare model,” Schulke says.
He began building his own practice in Carmel 11 years ago after graduating from Palmer College of Chiropractic. However, the scope of his practice has changed somewhat over the years.
About five years ago, Matt began having pain, burning and tingling in his right leg. He was diagnosed with peripheral neuropathy, which occurs when nerves outside the brain and spinal cord are damaged, causing weakness and pain. More often seen in hands and feet, peripheral neuropathy can also affect other areas and functions of the body. It can result from injuries, infections, chemotherapy or toxin exposure. It can also have an autoimmune component or result from metabolic disorders like diabetes.
“We often hear that there is nothing that can be done for peripheral neuropathy, and you just have to live with it,” Schulke says. “Standard of care is certain medications that don’t do anything to correct the nerve’s function. They might numb it, but the neuropathy usually progresses.”
Schulke refused to accept that.
Today, he holds a board certification in Neuropathy and Chronic Intractable Pain from the American College of Physical Medicine and specializes in non-surgical, drug-free treatment for peripheral neuropathy. His wife, Dr. Rebecca Schulke, also a Palmer graduate, has joined her husband in practice to treat peripheral neuropathy. In fact, 90% of their patients
face the issue, and the treatments don’t include traditional chiropractic.
“It all starts with our assessment process to make sure someone is a good candidate for treatment,” Schulke says.
It all comes down to looking at the neurological, structural, metabolic and circulatory components, he says.
Treatments are geared towards nerve regeneration and circulation, balance therapy, non-invasive stem cell therapy, decompression, home therapies and more.
The practice offers SoftWave TRT, a hallmark procedure that has only been available in the U.S. for around six years. The technology activates stem cells, increases blood flow 300% and can promote peripheral nerve regeneration.
The combinations of treatments can not only decrease pain and improve nerve function, they can slow or end the progression of the condition.
The vast majority of patients have come to the office after having sought care with other providers and are often doubtful that treatment will help.
"We have had hundreds of patients and have had very good success," Schulke says. "We’ve had people, thankfully, able to cancel amputation procedures. It’s incredible.”
Schulke encourages anyone dealing with peripheral neuropathy to take the necessary steps to invest in their health and find the treatment and relief they need.
“We’re giving people the tools and the information so they can also help themselves and heal themselves moving forward," Schulke says. "Education plays a huge part in health and healing."
Schulke Chiropractic & Wellness Solutions offers free peripheral neuropathy seminars. Registration is required for the next seminar, which will include free lunch, at noon on April 23 at Wolfies Grill at 1162 Keystone Way in Carmel.
Investing in indoor plants can not only spruce up your living space, but also bring numerous health and well-being benefits
Bringing the outdoors in with the use of house plants is a great way to add color and dimension to your space. We sat down with Jesse Nelson at Family Tree Nursery, based in Kansas, and discussed the benefits of incorporating plant life into your home.“There are plenty of studies on the health benefits of plants, and the evidence suggests that being around plants and caring for plant life increases overall wellness,” explains Nelson. “Anytime you bring a plant into a home or work environment, it’s going to make you feel better. It is going to beautify the space in a way that art cannot, and they also have the added benefit of purifying the air.” There are a wide variety of indoor plants that work for any space and light situation that you may have. Regardless if you have a green thumb or a black thumb, there are plant varieties that fit your lifestyle. Here are a few of our favorite indoor plants to incorporate into your home.
This plant goes by many names such as Snake Plant and Mother-in-Law’s Tongue and is one of the most popular indoor plants. The Snake Plant is for anyone from a green thumb to a black thumb because anyone can grow it. These hardy plants can adapt to any environment and can live in both high light and low light. Snake Plants are great for countertops and tabletops because they grow tall, not
wide. They are great bedside plants because they help purify the air as they go through photosynthesis at night. They only need to be watered about once a month. These plants can also be outdoor plants and can acclimate during the summer months. Be sure to spray the plants three to five times before bringing them back indoors to get rid of any bugs that could have made the plant their home.
Anthurium has gorgeous, colorful flowers and is the easiest indoor flowering plant to care for. It comes in a variety of colors including red, white, orange and purple. Anthurium likes to be dry, so let it go bone dry before watering. Fertilize every so often, especially when blooming. These plants do not like direct sunlight and can be repotted every three to five years.
This cascading plant is gaining popularity due to its succulent-like leaves and also because it is fairly easy to care for. The Hope Peperomia likes medium to bright direct sunlight. It does well as a tabletop plant or a hanging plant. Watering is only needed one time a month regardless of plant size.
“Anytime you bring a plant into a home or work environment, it’s going to make you feel better. It is going to beautify the space in a way that art cannot, and they also have the added benefit of purifying the air.”
This is a slow-growing variety that is architectural and compact. This plant is a great statement piece and looks great in an entryway or by a chair. There are a lot of varieties and colors of the Dracaena. They are very resilient in low light and are great for an office space with little or no light. They like to stay on the dry side, so they like to be watered when they are about ½ to ¾ of the way dry. When watering, give it a good soak. Protip: A moisture meter can be purchased and used to determine how dry your plant is to help determine when it is time to water again.
ANTHURIUM: DRACAENA JANET-CRAIG COMPACTA:APRIL 2024
APRIL 5TH & 6TH
Carmel Clay Public Library, 425 E. Main St., Carmel | 9:00 AM
Presented by the CCPL Foundation Friends, the sale offers deep discounts on used books and more. Bring a bag and fill it with books for just $10, or buy a bag for $10 and fill it at no extra charge. Proceeds support the Carmel Clay Public Library. For more, go to carmelclaylibrary.org/friends-bookstore .
APRIL 8TH
1 Civic Square, Carmel | 10:00 AM
Carmel’s official eclipse-viewing location is at Civic Square from 10 a.m. to 5 p.m. Attendees can enjoy a festival atmosphere at this free event, featuring food and drink vendors, live music, eclipse experts with educational information and live updates and multiple viewing screens to watch the eclipse.
APRIL 13TH
Carmel Marathon
Third Ave. and City Center Dr., Carmel | 7:30 AM
One of the top Boston Marathon qualifiers, the Carmel Marathon weekend returns for its 14th year and also includes a half marathon, 10K, 5K and relay through some of the most beautiful parts of Carmel. Registration prices increase after April 5th. Learn more at carmelmarathon.com
APRIL 25TH
Ritz Charles, 12156 N. Meridian St., Carmel | 7:30 AM
The Indiana Center for Prevention of Youth Abuse and Suicide invites the community to come together for this vibrant, no-cost event full of impactful stories and the opportunity to be the change youth need. Registration is requested at indianaprevention.org/events.
APRIL 27TH
White River State Park, 801 W. Washington St., Indianapolis | 9:00 AM
Indiana residents will be joining 59 other communities across the country for the ultimate walk to end pancreatic cancer. The event will welcome hundreds of local pancreatic cancer survivors, families, caregivers, researchers and other supporters. Go to purplestride.org/indianapolis to learn more.
APRIL 29TH
The Palladium, 1 Carter Green, Carmel | 6:30 PM
Mark the arrival of spring with this festive concert including a bouquet of music and conductors including visiting composer Mark Wolfram’s piece “Vertical Plains,” the premiere of “Visions” composed and conducted by David Sartor in honor of conductor Charles Conrad, and guest conductor Jay Gephart who is set to become the next music director. For more, visit indianawindsymphony.org/events
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