Noblesville Magazine March 2024

LENDING A LOCAL HAND

NOBLESVILLE TOWNSHIP TRUSTEE OFFICE PROVIDES HOPE AND HELP FOR THOSE IN NEED

Writer / Matt Keating Photography Provided

Theresa Caldwell, the elected trustee for the Noblesville Township Trustee Office, says the township needs more assistance to help those in need.

“Many people do not know what we do or that we even exist,” Caldwell says. “When COVID hit, many community opportunities just stopped. Now organizations are having events again, so we are trying to participate in those events and talk with community groups. For instance, Prevail, Inc., an organization that strives to empower victims of crime and abuse on their path to healing, held a Trunk or Treat event around Halloween, so we participated

in that. I also have met individually with people at Ivy Tech and WorkOne to see how we can help each other. We also participated in the farmers market this summer and passed out information on the services our office offers.”

Caldwell says from January through March, the Noblesville Township Trustee Office saw a lot of people with increases in their rent.

“Most of these people saw a 400-500% increase,” she says. “In some cases rent doubled for people. That is a pretty big increase for area residents to manage. In

June and July we served a lot of people that were facing eviction. With the increase of rent, gas, groceries and utility bills, many people started struggling.”

Caldwell says they do get help from other organizations.

“The Boys & Girls Club has helped us fill our food pantry with their fundraiser for many years,” Caldwell says. “Our food pantry is filled with donations, so we rely on them to help us. Our food pantry day is on Tuesdays but if someone needs food on another day, we always give them food.”

Keeping the pantry filled is a major concern according to Caldwell.

“Our food pantry got extremely low this year so we have had to reach out to the community to do food drives,” Caldwell says. “The Boys & Girls Club will buy things like diapers, wipes, toilet paper, shampoo, body wash, and basically things you cannot buy with food stamps.”

Caldwell adds that the help they receive from outside organizations is very valuable.

“We also provide food to people who come in for rental or utility assistance,” she says. “We always ask if they need a bag of food, and then give them a list of area food pantries. We also serve a lot of people who walk in. They do not have transportation. Since we are located downtown, we are close to people that walk. We appreciate the kids that put in the hard work at the Boys & Girls Club to fill our pantry. The items that they give us supply us for at least two to three months.”

The number of people in need has been continually growing.

“Because we have had an increase in township assistance, we have had an increase in people needing food,” Caldwell says. “The Boys & Girls Club is the biggest fundraiser for us and our food pantry. We also receive food from Harvest Food Bank, but we need the Stuff the Bus program to help us add to that. Stuff the Bus is the only way that we typically get diapers, toilet paper, etcetera. Over the past few years we really haven’t had to do many food drives. Stuff the Bus has always helped us but this year the need has been greater, and not only do we need Stuff the Bus, but we have done some food drives as well.”

Caldwell says Stuff the Bus has become an annual tradition.

“Stuff the Bus has always happened at Thanksgiving,” Caldwell says. “The Boys & Girls Club drove the bus in the Christmas parade that took place on Thanksgiving weekend. Not only could you buy a seat to fill on the bus, but chain stores like Walmart could donate money and have their name displayed on the outside of the bus. The parade was a way for sponsors to get recognition, and it was fun for the kids to be in the parade. Then they would bring

the food to our office to unload and fill our pantry.”

Caldwell notes that social service agencies are a big help.

“We try to partner with other social service agencies in the area to make sure our clients are getting all the services they need,” Caldwell says. “Agencies like Shepherd’s Center, St. Vincent DePaul, Good Samaritan, Family Promise, Salvation Army and Meals on Wheels are all agencies that help us make sure a client receives everything they need. For example, Shepherd’s Center serves people aged 55 and over, so we have referred people to them in need of home repairs or help navigating Social Security or Medicare/Medicaid. Since we are a government agency, we have rules to follow, so sometimes we may not be able to help someone due to those rules. We then rely on other agencies to possibly help us out. We have a great community of social service agencies and we appreciate everything they do for our office.”

For more information and donation details, call 317-773-0249 or visit noblesvilletownshiptrustee.com.

STELLAR SELECTION

KARISMA BOUTIQUE OWNER KARI KIRK KEEPS IT FUN AND FASHION-FORWARD

Writer / Julie Yates Photographer / Walker Photography

Karisma Boutique has been a go-to spot for fashion and fun gifts for almost two decades. A well-established shop on Noblesville’s downtown square, it has endured economic downturns and come out on top for a reason. Women of all ages enjoy the everchanging variety of on-trend, but not too trendy, moderately priced merchandise.

“The shop doesn’t have a specific theme since I try to stay across the board,” says Owner Kari Kirk. “However, fashion has such a large scale, I got to the point where I’ve narrowed it down to what customers want. I stick with a few select vendors that I know have great quality and style. High schoolers, college students and older generations can all find something they like. Customers tell me they still get compliments on pieces they bought here several years ago.”

“The COVID pandemic was the turning point to comfortable clothes,” she adds. “We survived because I was lucky my vendors were still shipping. I went in every day and filled orders placed on my website. We ship everywhere. Now people still work from home. Comfy but cute clothes that are OK to step out in are not going out

of style.”

One of the boutique’s most popular items are soft, crew-style tops. Wide-leg pants, joggers and lounge pants are also customer favorites. Kirk shares that a T-shirt, jean jacket and cute tennis shoes complete the look. In the warmer weather, the boutique carries summertime dresses and jumpsuits. Also available are dressy blouses and special-event wear.

“People are stepping away from wearing tan, gray and black, and jumping into color,” Kirk says. “I just got back from a market buying trip, and I hand-picked jewelry with a lot of color. Layering dainty necklaces is still in style.”

Kirk also handpicks all the fun and seasonal kitschy gifts. Karisma Boutique is a one stop shop; someone can come in for an outfit for a party and find a hostess or girlfriend present. Besides great jewelry and candles, there is a plant corner and space for birthday items. Bachelorette and bride party articles can also be found.

“Times have changed since we opened in April of 2005,” Kirk says. “Social media is now huge, and I post new arrivals every day. I love my job because of the customers; we have a very strong customer base. If people want items we are sold out of, I’m quick to restock if the vendor still has them. The boutique offers fashionable and affordable styles. We love participating in First Fridays, when the shops and restaurants on the square are open until 9 p.m. on the first Friday of every month. Noblesville is growing and Conner Street is full of shops again.”

Karisma Boutique is located at 859 Conner Street in Noblesville. For more info, call 317-774-8665, visit karismaboutiqueshop. com, and view them on Facebook and Instagram.

CHAMBER OF COMMERCE SPOTLIGHT

THURSDAY, MARCH 14TH 2024

FROM 4P.M. TO 7:30P.M.

Embassy Suites by Hilton Convention Center 13700 Conference Center Drive South, Noblesville, Indiana

GET YOUR TICKETS NOW!

Earlybird Online Tickets $5.00

General Admission at the door $7.00

Join us in welcoming our newest LEGACY PARTNER, Skyview Dental! This five-star practice boasts a state-of-the-art facility, with the latest technology and equipment. They provide services in General Dentistry and thrive in providing excellent patient care in a comfortable environment for patients of all ages. Skyview excepts all types of insurances including Indiana Medicaid and most all private insurance plans. They also provide inhouse membership and corporate plans as well! Get in touch now!

CALL: (317) 886-9500 | EMAIL: INFO@SKYVIEWDENTAL.COM | VISIT: 350 WESTFIELD RD SUITE 220, NOBLESVILLE

BUSINESS BUILDER

KLR Medical Certification Training School 7280 East 600 North Falmouth IN 46127 | (765) 610-6451

Crunch Fitness – Noblesville 14436 MUNDY DRIVE Noblesville IN 46060 | (317) 372-2446

CLASSIC MEMBERS

Tropical Smoothie Café

Stroll North Harbour

Drafting & Design Solutions

ASSOCIATE MEMBERS

Teter Retreat and Organic Farm

FitQuest Enterprises Inc.

Noblesville Youth Assistance

Delta Mental Health Services

Kitchen Tune-Up, Noblesville

Messer Construction

Pachlain

PIE Unlimited

As a convener of leaders & influencers, our Chamber acts as a catalyst for business growth and a champion for a stronger community. We invite you to join us and capitalize on what it means to be a chamber member and contributor to Noblesville’s shared success!

EGGS & ISSUES

LEGISLATIVE WRAP UP EDITION

Friday, Mar. 15, 2024

8:00 AM - 9:30AM

The Bridgewater Club

THE STATE OF WORKFORCE 2024

JOINT CHAMBER LUNCHEON WITH INVEST HAMILTON COUNTY

Friday, Mar. 19, 2024 11AM – 1PM

The Bridgewater Club

STAY UP TO DATE ON WHAT’S HAPPENING AT THE NOBLESVILLE CHAMBER! Visit our homepage and check out our upcoming events tab for more great ways to engage.

TOTAL SOLAR ECLIPSE 2024

THE

SKIES ALIGN FOR A SPECTACULAR SHOW IN HAMILTON COUNTY ON APRIL 8, 2024

Get ready to be mesmerized by a celestial masterpiece as the communities of Carmel, Fishers, Noblesville, Westfield and the Northern Towns become the perfect stage for the Total Solar Eclipse, when the moon gracefully dances in front of the sun and casts its shadow across the landscape.

Witness the magic of the cosmos with friends and family at official viewing locations like Carmel Civic Square, Conner Prairie, Cool Creek Park, Grand Park Sports Campus, Ruoff Home Mortgage Music Center and Strawtown Koteewi Park.

Grab your Eclipse glasses, set up your cameras and join Hamilton County in this celestial celebration—it’s guaranteed to be an unforgettable experience!

VisitHamiltonCounty.com/Eclipse

ARCADIA ATLANTA CARMEL

CICERO

THE SKY WILL BEGIN TO CHANGE AROUND 1:50 P.M. WITH TOTALITY AT 3:06 P.M.

Hamilton County is in the narrow path of totality for the Total Solar Eclipse. These communities will be some of the best places to experience prime views of the epic event.

Arcadia 3m 6s

Atlanta 2m 56s

Carmel 3m 29s

Cicero 3m 15s

Fishers 3m 39s

Noblesville 3m 27s

Sheridan 2m 51s

Westfield 3m 19s

HAMILTON

FISHERS

NOBLESVILLE

SHERIDAN

WESTFIELD

ARCADIA

BREW IN TOWN

NORTHBROOK BREWING COMPANY IS FINDING A STRONG LOCAL FOOTING JUST MONTHS AFTER OPENING

Writer / Julie Yates Photography Provided

Recently opened Northbrook Brewing Company is all about friends and fun. A long-standing dream of childhood pals, the establishment provides a gathering place for the community and a destination for people coming from surrounding areas.

The husband-and-wife team of Drew Johnson and Jennifer Longenecker, along with their partner, Michael Ringwalt, take care to make sure visitors, including children and pets, feel welcome and have a great experience.

People may be initially surprised that offerings like ales, stouts and IPAs are wellcrafted for such a new brewery. However, Northbrook Brewing Company has an interesting backstory. Since early elementary school, Ringwalt has been a good friend of Johnson’s younger brother.

“I began brewing beer in my mom’s Indianapolis Northbrook neighborhood kitchen when I was 17,” Ringwalt says. “It all started when a friend and I got a hold of some beer. My friend didn’t like the way it tasted and he said, ‘I bet you could make beer better than this.’ I’m 100% self-taught. I watched a lot of YouTube videos. I never wanted brewing to be just a hobby. I wrote a business plan for a brewery in college.”

“I came home during my sophomore year in college and Michael was over,” Johnson says. “That’s when I found out you could make your own beer. We started brewing together during holiday breaks. After he graduated, Michael became a professional brewer, working as a consultant and at breweries in Indianapolis. We continued brewing together and would throw home parties such as Springfest and Winterfest. Finally, we thought if we are ever going to have a brewery, we just better do it.”

Johnson caught sight of a posting for a location and as soon as the partners saw it, they knew it was perfect. Nothing was decided hastily, and after a lot of research the equipment of Ringwalt’s dreams was purchased. The decor inside is the result of a collaboration.

Longenecker is responsible for the live green plants, moss mural and the mustsee, uniquely wallpapered restrooms. All the furniture except for the chairs was handmade, and Johnson learned how to

weld tabletops and bases together. The bar is made of wood from pallets and the top is poured concrete. Ringwalt’s artwork hangs on the walls.

Twelve brews are always featured along with briefly available seasonal offerings. Ringwalt shares that often the names come first, and the recipe is developed later. Why Ration Passion came from the bumper sticker on his rugby coach’s car. The popular Make Good Choices was the phrase his mother

called out to him as he left the house. Cartoons and Cereal is made from lactose sugar, rolled oats and fruity hops. The taste is reminiscent of the sweet and tangy leftover milk at the bottom of a cereal bowl.

Brews are the star of the show, but a short food menu is available. A large soft pretzel with everything seasoning is served with beer cheese and spicy mustard sauce. Warm pita bread and veggies surround an ample serving of hummus. The Northbrook Salad,

Italian Deli Sandwich and Roasted Turkey Ham Sandwich are also offered.

What makes Northbrook a great place to meet and hang out with friends are the fun activities it holds. Each Wednesday is devoted to shooting pool and throwing darts. Thursday is Trivia Night. Patrons are treated to live music on Fridays. Saturdays are for watching college sports and Sundays are all about the NFL.

The Nickel Plate Express tracks run right past the brewery, and this fall two successful train rides traveled to Northbrook. Passengers were dropped off at the door and enjoyed a flight, some food and a tour before hopping back on the train. Both rides were completely sold out, and Executive Director Emily Reynolds is currently working with Johnson to develop more train rides for the spring season.

“We are really focused on making the taproom a comfortable and fun place,” Johnson says. “Most of our friendly staff have a connection to education. They are knowledgeable and they can help those new to craft beer find something they like. Also important to us is to source local. We use apples from Wilson Farm Market and coffee from Dark Side Roasters in Cicero.”

“This is the most fun I’ve ever had doing anything,” Ringwalt adds. “Any troubles are eased by that. Hard days here are not hard days.”

Northbrook Brewing Company is located at 119 West Main Street in Arcadia. For more info, visit northbrookbrewing.com or call 317-640-0208. Also view them on Facebook and Instagram.

TOURISM SPOTLIGHT

Spring is Closer Than You Think

There are plenty of things to do with your family right here in Hamilton County. Get out of the house and take your kids on family-friendly adventures at local parks and attractions to beat the winter blues.

IKEA AND TOPGOLF

Fun fact: Fishers is home to Indiana’s only IKEA and Topgolf. Even if you’re not redesigning your home, IKEA is a fun place to explore. You could even create your own scavenger hunt or “I Spy” challenge to keep the kids entertained. Don’t forget the iconic Swedish meatballs in the cafeteria! After all that shopping, head across the street to Topgolf, a premier entertainment venue where you can challenge each other to addictive point-scoring golf games – no experience necessary.

CONNER PRAIRIE

Spring is when the outdoor grounds at Conner Prairie in Fishers come alive. Your first stop should be the Animal Encounters barn to visit with the baby goats and sheep. Take a ride high in the sky on the 1859 Balloon Voyage, as weather permits. On a clear day, you can even see the downtown Indianapolis skyline. Then, make your way to Treetop Outpost to explore a three-story treehouse, connect with nature and see stunning views of the White River.

STRAWTOWN KOTEEWI PARK

Did you know this is Hamilton County’s largest park at more than 900 acres? There’s more to explore beyond the eight miles of trails. Book a guided horseback trail ride or pony ride with K-Trails Equestrian Adventures. Or, try your hand at using a bow and arrow at Koteewi Range: Sport and Target Archery Center. If you want a thrilling adventure, visit Edge Adventures Koteewi: Aerial Adventure Park to conquer treetop trails, ziplines and your fear of heights.

PARKS AND TRAILS

Hamilton County has 600+ miles of trails and dozens of great parks. Get your bikes out of the garage and pedal along the Monon Trail, connecting through Sheridan, Westfield, Carmel and south to Indianapolis. Must-see parks in the area for families include local favorites like Central Park in Carmel, Flat Fork Creek Park in Fishers, Forest Park in Noblesville and Cool Creek Park and Nature Center in Westfield.

INDOOR ATTRACTIONS

Spring weather in Indiana can be unpredictable. If the forecast calls for a rainy day, take your adventure inside and visit the indoor waterpark at the Monon Community Center, The Escape Room, K1 Speed, Laser Flash or Pinheads for all-day entertainment. For more information, check

BETTER BANKING

COMMUNITY FIRST BANK OF INDIANA HAS THE PROGRAMS AND SERVICE NEEDED FOR AFFORDING YOUR NEXT HOME

In a market where housing inventories are short, home prices are on the rise, and four out of five homeowners have an interest rate of less than 5%, Community First Bank of Indiana (CFB) has the resources to cushion the blow of affordability for those buyers ready to dive into homeownership.

“While rates can foreseeably be lowered in the coming months, we will not see rates at the all-time low of two to three percent as previously seen in the past,” says Richard Candelaria, mortgage junior underwriter for Community First Bank of Indiana. “Home prices, however, will be on the rise in our market.”

First-time homebuyers face the pressuring rise in rental costs on an annual basis that has in some cases forced their hand in entering the housing market sooner than

they would have anticipated. For those who have considered or are already on the hunt for their first home purchase, Community First Bank of Indiana Mortgage has the loan programs and grants at our disposal to ensure that your goal of homeownership is achieved.

HomeReady is a loan program that caters to both first-time and current homeowners. To qualify for the mortgage as a first-time home buyer, you must complete an online course provided by Fannie Mae. The course gives a breakdown of the entire home buying process in great detail, and once completed you are awarded a certificate of completion. It is a unique conventional loan that only requires a minimum down payment of 3.00% versus the traditional 5.00%.

To qualify, borrowers must be within 80% of the area’s median income. Access a median income lookup tool here: ami-lookup-tool.

CommunityMAX is a new 100% financing program that allows a borrower to loan up to the entire purchase price of the home they are buying. In this scenario, there are two mortgages that you are promising to repay: the primary mortgage for the home and a secondary mortgage for the 3.5% down payment. Each mortgage has separate terms and rates. This eases the burden of producing a down payment, and only requires the borrower to cover closing costs and prepaid items. There are no income limits on this product and you do not have to be a first-time homebuyer, but the property does have to be eligible for Federal Housing Administration financing.

Homeownership Opportunities Program (HOP) is a grant that exclusive community banks, such as CFB, have access to. It is a first-time homebuyer’s dream when it

fanniemae.com.

comes to grants. You can access up to $20,000 in funds for down payment, closing costs, prepaid items or appraisal.

To receive the funds, borrowers must fall within 80% of the area median income, based on the specified year, household size and location of the property. One of the caveats to the grant is you must put $500 of your own dollars into the transaction, which is easily met typically with earnest-money deposit. While there is a litany of qualifications to be met for this grant, the relief and hope it can provide to the right person or household is life changing. This grant will be available come the middle of May this year. It is first come, first served, and when funds run out, they are gone.

HomeBoost Minority Down Payment Assistance Program is similar to HOP, but with the emphasis on being a minority. The grant defines a minority as anyone who identifies as the following: Hispanic or Latino, American Indian or Alaskan Native, Asian, Native Hawaiian or other Pacific Islander, or black or African American. While there are limitations to your income, it is at 120% of the area median income rather than 80% with HOP. The buyer’s contribution toward the purchase must hit the $500 minimum of their own funds and they can receive up to $15,000 toward down payment, closing costs, prepaid items or appraisal.

2023 was the pilot round for HomeBoost and it launched in early September. As of when this article was written, there are no dates announced for when it will launch in 2024.

Teaching young kids the importance of saving money is a valuable life skill that can set the foundation for a financially responsible future. With the advent of relevant technology, several online apps cater specifically to young children, making the process of learning about money engaging and interactive. Here are some online apps (some free and some that require a fee) for young kids to start saving money:

PIGGYBOT:

• PiggyBot is a digital piggy bank that allows kids to set savings goals and visually track their progress. It’s a simple and intuitive app that helps children understand the concept of saving and budgeting. PiggyBot is available in the App Store.

IALLOWANCE:

• iAllowance is a comprehensive app that not only teaches kids about saving, but also helps parents manage allowances and chores. It allows parents to set up recurring allowances, assign chores, and track their children’s spending and saving habits. jumpgapsoftware.com

MONEY MINDED

ONLINE APPS CAN HELP KIDS SAVEAND INCREASE FINANCIAL

BANKAROO:

• Bankaroo is an online platform designed to introduce kids to the basics of budgeting and saving. Children can create their virtual bank accounts, set savings goals and track their allowances. The app also provides insights into financial concepts in a kid-friendly manner. bankaroo.com

PIGGYVEST KIDS (FORMERLY KNOWN AS PIGGYBANKNG):

• PiggyVest Kids is an extension of the popular savings app PiggyVest, tailored specifically for kids. It allows parents to create savings plans for their children and introduces them to the concept of earning interest on their savings. piggyvest.com

ISAVEMONEY:

• iSaveMoney is an app that caters to both parents and children. Kids can set savings goals, track their spending and understand the value of money, while parents can monitor and guide their children through the process. isavemoney.app

GREENLIGHT:

• Greenlight is a family finance app that includes a feature for kids to manage their money. Parents can set up chores, allowances, and even create savings goals for their children. The app also offers a prepaid debit card for kids, controlled by parents. greenlight.com

SAVINGS SPREE:

• Savings Spree is an educational game app that teaches kids about the value of money and the consequences of spending. It engages children in a fun way, allowing them to make virtual spending decisions and learn from the outcomes. Available in the App Store for a fee.

BUSYKID:

• BusyKid is an app that combines chores, allowance, and investment education. Children can earn money by completing chores, and parents can choose to allocate a portion of that money for saving, spending and even investing in real stock. busykid.com

THE PIGGY BOX:

• The Piggy Box is an app that focuses on the concept of sharing, saving and spending. It encourages kids to allocate their money into these three categories, fostering a balanced approach to managing finances. thepiggybox.com

MONEYTIME:

• MoneyTime is an app that turns learning about money into a game. It covers various financial concepts such as earning, saving, spending and giving, making it an engaging and educational tool for young kids. moneytimekids.com

These apps not only make saving money a tangible and interactive experience for kids, but also provide parents with tools to guide and monitor their children’s financial activities. By introducing these apps early on, parents can instill smart money habits in their kids, setting them on the path toward financial literacy and responsibility.

MAKE YOUR CHILD’S FUTURE BRIGHTER with COSMO’S KIDS CLUB!

Good financial habits start early in life. Teach your children the value of savings with Cosmo’s Kids Club, a program for kids 12 and under. Cosmo’s Kids Club allows parents, grandparents and family members to help save money for a child’s future.

• Access to funds by those authorized on the account • No set-up fee

• No monthly service fee

No minimum balance required

NAVIGATING HOME LOANS AND UNDERSTANDING THE ADVANTAGES OF LOCAL LENDERS

Writer / Aaron Holland Photography Provided

When you’re in the process of buying a home, securing a mortgage becomes a crucial step. There are various lenders to choose from, ranging from large national institutions to smaller local ones. Let’s discuss why opting for a local lender may be your best choice.

To begin with, the mortgage world can be overwhelming with its numerous rules and choices. While big national lenders might seem appealing due to their size and use of technology, local lenders are better acquainted with your community and can offer distinct advantages. Local lenders are woven into the fabric of your community, understanding the local landscape and having connections with key players like real estate professionals. This familiarity makes the mortgage process more streamlined for you. They serve as the local experts, guiding you through the home buying journey.

Consider the value of face-to-face communication. Local lenders arrange in-person meetings to discuss your financial goals. This

personal touch not only simplifies the process, but also enhances your understanding of the nuances of mortgages. In contrast, larger lenders often rely on digital communication, which may not be as clear cut.

Another noteworthy aspect of local lenders is their adaptability and quick response. The mortgage landscape is ever changing and local lenders possess the ability to promptly adjust their plans to align with local trends and conditions, as well as your personal schedule.

So, when you’re deciding on the source of your home loan, you may want to consider working with a local lender. At Cross Country Mortgage, we pride ourselves on getting to know you and your home buying dreams, and turning them into a reality. With over 100 products to offer, we have the solutions, whether you’re a first-time homebuyer, self-employed professional or an investor. If you have questions, please call me at 317-809-1048 or email me at aaron.holland@ccm.com.

2024 DIRECTORY & RELOCATION GUIDE

TARGET YOUR MOST SOUGHT-AFTER LOCAL

and NEW MOVERS

MARCH 8, 2024

Back by popular demand, our Annual Directory & Relocation Guide for will feature all sorts of local extras to make it a keepsake reference for the entire year. In addition to our regular distribution in April, we will be mailing copies throughout the year to the following people:

þ New movers: We purchase a list of new homeowners each month and mail them a complimentary copy via First Class USPS.

þ Relocation requests: Through TownePost.com, people looking to relocate can request a FREE copy.

TARGETED DISTRIBUTION

• Direct mailed to all local residents in April

• Online requests from new movers

• Mailed out to new movers monthly

• Realtors, relocation companies, and real estate developers

• Home builders and new home communities

RWI WEALTH STRATEGIES

Writer / Matt Keating Photography Provided

Ryan White, an applied asset strategist with RWI Wealth Strategies, says there are a lot of solid financial investments a younger person can make to plan for their future.

“Firstly, I tell younger people congratulations on taking the initial step to save, especially in the early stages of their professional journey,” White says. “ We consider compounding interest the eighth wonder of the world, and the earlier you start investing for your retirement, the more beneficial it becomes. When it comes to specific investments, the choice depends on various factors. Each person’s situation is distinct, so it’s crucial to customize a set of investment strategies that align with individual needs, preferences and circumstances ”

Additionally, White says he highlights the three most significant financial dangers that often cause Americans to outlive their income at retirement.

“These are taxes, inflation and market volatility,” White says. “Crafting a

personalized plan and a strategic approach to address and overcome these three challenges is paramount for fostering portfolio growth. The good news is it can be accomplished.”

White also gives strong financial advice to people getting closer to retirement.

“Embarking on the 10-year-to-go milestone can evoke both excitement and potential stress, particularly when retirement plans are uncertain,” White says. “My primary goal is to ensure that your current investments are strategically aligned with your evolving goals for the critical last decade of account accumulation. During our assessment, we’ll not only explore what’s working, but also identify and overcome any obstacles hindering your investments from growing in tandem with your aspirations.”

White does a thorough review of his clients’ portfolios.

“In the initial evaluation of your portfolio, my focus centers on uncovering what we term portfolio drag,” he says. “This encompasses any unwarranted forces impeding the full growth potential of your accounts. Portfolio drag not only signifies the immediate loss of initial funds, but, more crucially, the lost opportunity cost associated with those missing funds, which could otherwise be earning compounding interest over time.”

White also helps clients deal with fees and taxes.

“In my observations, the two primary culprits contributing to portfolio drag are fees and taxes,” he says. “While dealing with fees and taxes is frequently unavoidable, it’s essential to assess whether you might be incurring excessive fees or handling taxes at suboptimal times. Fees tend to accumulate significantly over time, and many clients

I assess are often unaware of the extent of their fees, not to mention the substantial opportunity cost they may forfeit.”

“Similarly, taxes pose a challenge, as funds withdrawn at distribution are permanently lost from your portfolio, along with the opportunity for your lost capital to grow over time,” he adds. “However, strategically repositioning accounts into after-tax or even tax-free strategies mitigate these portfolio drags, and fortify your financial position moving forward. We have found that implementation of these strategies, under the right circumstances, will continue to prove successful even after retirement has commenced, instilling confidence that your financial needs will be met.”

White enjoys being an applied asset strategist.

“With nearly a two-decade career in investment and financial services, I’m now living my dream career as a retirement expert and asset strategist,” White says. “In the early stages of my career I provided both insurance and financial services, offering advice and assisting clients in implementing successful financial strategies that encompass what I refer to now as the six areas of wealth management. I was later promoted to agency manager, where I managed teams of up to 15 agents, advisors and registered representatives, conducting joint appointments to provide training and support to both advisors and their clients.”

White is also a licensed life and long-term care advisor, another key area of wealth management that he’s been advising clients on for years.

“In late 2021 I decided to step away from the corporate world and founded RWI Wealth Strategies, my independent-wealth management firm,” White says. “My primary focus revolves around a balanced approach,

building wealth for clients through what I consider the four key financial strengths in any investment plan: liquidity, safety, higher and more predictable rates of return, and tax-free strategies.”

White says financial plans are inherently tailored to each client’s current assets, focusing on where they aspire to be financially, with a timeline in mind.

“When building wealth for yourself, your family or your business, coordination among the six areas of wealth management is essential for optimal outcomes,” he says. “These six areas - asset management, credit management, cash-flow management, risk management, tax management, and legacy management - must work harmoniously. While most investors have some responsibility in each area, the challenge often lies in aligning them with the ultimate goal, creating a coordinated plan.”

Clients might have a financial advisor handling assets, a separate life insurance agent, a certified public accountant for tax

preparation (ideally tax planning as well), and an attorney managing their will or trust.

“However, the lack of coordination between these areas can lead to conflicting strategies or negatively impact another area of wealth management,” White says. “It’s crucial for these six areas and the professionals involved to collaborate, ensuring a thorough understanding of each area in tandem with the customer’s ultimate goals. Once this synergy is established, you’ll gain the momentum necessary to achieve financial success.”

When White isn’t working, he enjoys spending time with his family.

“Beyond my professional career, my family is the heartbeat of my life,” White says. “Celebrating 18 years of marriage with my wife, Sarah, brings immense joy. Our focus revolves around our two wonderful children, Presley and Austin, along with the lively addition of our dog, Miller. Spending time together is my greatest satisfaction, whether sharing moments at home or

cheering them on as they excel on the golf course and basketball court.”

White is also active at Northview Church.

“Faith is first in my life and I consider it an absolute blessing to have all that we do,” White says. “We’ve been active members at Northview Christian Life Church in Carmel for over 20 years. During this time I’ve had the privilege of serving the church for eight years, contributing as a personal finance facilitator within several finance ministries, teaching the connection between faith and financial education. Beyond faith and family, I find joy in hitting the gym, doing yard work and playing golf. While the gym and yard work are solo pursuits, I much prefer including close family and friends on the golf course. After all, someone has to keep an eye on my golf ball!”

STUDENT SPOTLIGHT

RAY KENLEY

Ray Kenley, a senior at Noblesville High School, says he enjoys his work with the Noblesville Schools Student Safety Commission.

“The Student Safety Commission is a group of students picked to represent their school in terms of the student body,” Ray says. “The responsibility of this group is to interview and/or give input into the different jobs involved in the Noblesville education system and jobs outside education, usually revolving around safety. I’ve been in this group since the seventh grade and I’m the oldest member in the group, so I usually help the younger kids in stepping out of their comfort zone and asking the hard questions. The students picked for this group are picked because of their academic performance and, more importantly, their character, morals, and bravery to question.”

Ray notes that it’s all about helping students.

“The Student Safety Commission’s main goal is to help students stay educated on their safety and how they can help each other be ready for anything that their school comes under,” Ray says. “We also help the safety workers in our schools by giving them a student perspective. For example, the people who work with the security cameras in the schools came and visited us last week. They showed us how the cameras worked, different types of cameras and how cameras help us with tracking individuals. We then did an activity where we figured out what cameras were missing from the schools and what cameras were needed. This gave the workers more info on how they could improve the safety of our schools.”

Ray is also involved in other Noblesville High School activities.

“Some clubs I’ve been in include film club, Lend a Paw, ping-pong, quince club and the senior dance team,” he says. “I’ve also been in musicals including ‘High School Musical’ and ‘Chicago.’ I’ve also run track and cross-country. My main activity that I do is show choir. The Noblesville Singers are considered one of the best show choirs in the country and we have won many awards, including Best

Show Choir in Indiana, which was an award that was broadcast on FOX59 News. I have one of the lead solos in our competition set this year, which I am super grateful for. I’m also in MadJazz, which is our varsity jazz choir.”

Ray is also popular on TikTok. “I have a TikTok page with half a million followers,” he says. “It’s mostly content that focuses on relatable situations such as relationships, friends or just drama.”

Ray’s dad, Bill Kenley, an English teacher and cross-country coach at Noblesville High School.

Writer / Matt Keating Photography Provided

“Ray also works at Grindstone Public House,” Bill says. “He’s considering Hanover and the University of Cincinnati for college. Ray’s also big on TikTok. He’s got 486,000 followers and his videos have more than 100 million likes. The thing I find most impressive about Ray is that he’s done this, and much of what he’s accomplished, on his own.”

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MICHAELANGELO’S ITALIAN BISTRO

OWNERS:

CLANCY’S HOSPITALITY

ADDRESS:

550 WESTFIELD ROAD, NOBLESVILLE

WEBSITE:

MICHAELANGELOSBISTRO.COM

PHONE: (317) 773-6066

RATING:

GOOGLE 4.5 / FACEBOOK 4

Located in Downtown Noblesville’s Riverfront District, Michaelangelo’s Italian Bistro is the premier Italian casual dining spot in Noblesville. Michaelangelo’s Italian Bistro is part of Clancy’s Hospitality. Menu highlights include more than a dozen pastas, hand tossed pizzas, flatbreads, seafood & chicken, and celebrated Italian Classics with an elevated twist. Signature Michaealangelo’s Cocktails or any wine from the extensive list, top off the dining experience. Michaealangelo’s chic space is set in tones of white, black, and grays and boasts rich leathers, making it perfect space to enjoy a great meal, night out with the family, or late night bite.

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