Retire Here It’S Affordable, the Quality of Life Is Great, and It Feels Like Home

Northern Indiana’s premier health & lifestyle magazine for active adults 50-plus.

SUMMER–FALL 2014

Retire Here It’s affordable, the quality of life is great, and it feels like home. Why retire anywhere else?

Mary and Dave Ryan I‘mI‘m CreatingCreating a a Masterpiece...Masterpiece...

MMyy LLifeife Like paints on a palette, there are many choices. By choosing to live at a Pines Village Retirement Community, I have time to continue to create and celebrate my life.

For more information on designing your life, please contact Kathy Sheely at 219.465.9918 or email us at [email protected]

PinesVillage.org | Valparaiso, IN

Where Every Day is Meridian Woods Homes Independence Day Pines Village Apartments I‘mI‘m CreatingCreating a a Masterpiece...Masterpiece... YOUR INPUT IS NEEDED

MMyy LLifeife Like paints on a palette, there are many choices. By choosing to live at a Pines Village Retirement Community, I have time to continue to create Help us know more about you so we can provide information and timely articles that and celebrate my life. serves your needs and interests.

For more information on designing your life, It only takes a few minutes to take our online survey. The first 100 who complete the please contact Kathy Sheely at 219.465.9918 survey get a chance to win a free 2015 summer vacation rental in Michigan! And we are giving away collectable South Shore Posters and NWI symphony 2015 season concert or email us at [email protected] tickets to another ten respondents! Winners will be notified via email.

PinesVillage.org | Valparaiso, IN You must be at least 50 years to participate in this survey. All responses are confidential. Thanks in advance for helping us! Where Every Day is Meridian Woods Homes Independence Day Pines Village Apartments Go to our website at NWIBQ.com and click the link: Retirement Living Survey Here. Deadline is July 31, 2014. Northern Indiana’s premier health & lifestyle magazine for active adults 50-plus. CONTENTS Summer–Fall 2014 COVER STORY 18 Retire Right Here The stereotypical retirement dream used to involve sunny days in the warmer climates of Florida or Arizona. These days, seniors are finding more and more great reasons to stay home in Indiana. FEATURES FINANCIAL PLANNING 23 Retirement Planning Q&A p16 p18 The questions vary depending on your age, but no matter when, it’s a good idea to get solid advice. HEALTH CARE 28 Advances in Cancer Treatment News of the “C” word is frightening for patients and stressful for physicians to share, but treatment options are getting better all the time. CORPORATE PHILANTHROPY 34 Relying on Generosity Not-for-profits are on the financial p44 mend following the downturn, but always need the support of those passionate about the cause. DEPARTMENTS SPORTS & FITNESS 3 PUBLISHER’S MESSAGE 40 Avoiding Sports Injuries 4 TRAVEL & RECREATION With some common sense, good 6 ARTS & ENTERTAINMENT equipment and sound advice, you can stay fit and active. 11 YOUR PET 12 FOOD & WINE ADULT ENTREPRENEURS 44 Reinventing Careers 14 HOME & GARDEN More seniors are spurning retirement 16 CEO LIFE PROFILE and building brand-new careers, 39 ADVICE often through business startups and new products. 48 VOLUNTEER CORNER Cover photo by Pete Doherty

2 RETIREMENT LIVING SUMMER—FALL 2014 PUBLISHER’S MESSAGE Summer–Fall 2014 Why Retire Anywhere Else?

Indianapolis Office Publisher/Executive Editor/Advertising The community we call “home” can GLEE RENICK-MAY Managing Editor remain home for the long-term. Glee Renick-May JANE BOKUN Contributing Editor here’s no place like home. That factors, including our environment, STEVE KAELBLE line that I learned as a child the food we eat and manufactured Assistant Editor when I first saw “The Wizard of products. We need to be proactive in DENISE C. BUSCHMANN T Oz” with Judy Garland has stayed in taking care of our health and purchas- Administrative Assistant REBECCA L. ISAACS my mind ever since. Many of today’s ing food and products that are safe for newly retired Baby Boomers have us and especially our children. Get the Art Director ANDREW ROBERTS chosen to stay where they are rather story on a few survivors inside and Contributing Art Director than move to warmer year-round cli- the amazing work that is being done JANICE L. DIXON-FITZWATER mates. They’re attracted by low cost of in treating cancers today and in the Photographer living, friendly and accessible neigh- future. It truly is a message of hope for PETE DOHERTY borhoods, quality health care, nearby all of us who get a cancer diagnosis. Contributing Writers shopping, sports and recreational As we stated when we first pub- JANE BOKUN • JERRY DAVICH SHARI HELD • NANCY HENKE-KONOPASEK activities and most important, nearby lished this magazine, retirement is MICHAEL PUENTE • CAROL MOORE grandkids. Read more inside in our not the way it used to be. The rules ELIZABETH J. MUSGRAVE • CASSIE RICHARDSON JEAN STARR • ANASTASIA M. TREKLES cover story on “why we chose to stay.” have changed, including staying in HEIDI PRESCOTT-WIENEKE • REBECCA ZASECK Our CEO Life Profile this issue is the workplace longer. Meet a few Editorial Advisory Committee 58-year-old Tom VanProoyen, who adult entrepreneurs who continue to CALVIN BELLAMY • MELISSA BOHACEK MICHE GRANT • NANCY KONOPASEK says family and faith are more impor- give and pursue their dreams inside BRUCE LINDNER • LORI MCLAUGHLIN tant to him than his business. He with our story “Reinventing Careers.” CAROL MOORE • LEIGH MORRIS LAURIE MULLET • LINDA O’NEILL • AMY PAGE further says the key to his very suc- Finally, Retirement Living magazine cessful auto dealership is the fact that was created to address the interests Circulation REBECCA L. ISAACS it is family-run and family-owned. and trends of the most affluent and New Media His sons Ryan and Jordan will even- influential generation 50-plus! Many JANICE L. DIXON-FITZWATER tually take over the business when are still in the workforce or are new Tech Support Tom retires in the next decade. He business owners. They are active in JASON CRUNDWELL KIT MALONE and his family are very involved with their communities, advocates for his church and the Northwest Indiana social change and more. They are e-mail [email protected] Auto Trade Association that provides interested in financial security and Web philanthropic support for several taking care of their health. Many are RLivingmagazine.com Northwest Indiana not-for-profits. caregivers in this age group, typically Corporate philanthropic support is caring for a parent. They are also par- “good business.” Inside this issue we ents themselves, with teenagers or talk with a few not-for-profits on the kids getting reading to go to college. importance of helping those who are We’re conducting an online reader Retirement Living Magazine is owned and published by May Communications Group, LLC, less fortunate and learn that these orga- survey and are asking you to partici- Glee Renick-May, president and CEO. nizations would not survive without this pate so we can better address your © Copyright 2014. All rights reserved. Reproduction without permission is prohibited. help. Get the insight from their point of interests for future content in this Two-year subscription rate is $19.95 and includes view and find out how we can be better publication. The only requirement is Northwest Indiana Business Quarterly. Single magazine corporate citizens by giving back. that you are 50-plus. All information price is $3.50. Requests for additional magazines will be billed shipping charges. Total Circulation for Getting a cancer diagnosis is a dev- is confidential. Please help us know Retirement Living: 17,000 including greater Northwest Indiana and surrounding Northern Indiana counties. astating and very frightening experi- more about you by visiting nwibq. Send payment to: Retirement Living magazine, c/o May ence. According to the Indiana State com and clicking on the survey link. Communications Group, LLC, 9801 Fall Creek Rd. #247, Indianapolis, IN 46256-4802. Or go online to www. Department of Health, two out of Deadline for completing this reader NWIBQ.com to subscribe via credit card. every five people living in Indiana will survey will be July 31. Thanks for get a cancer diagnosis in their lifetime. helping us. Enjoy the summer/fall It is more than just genetics or having issue of Retirement Living! MEMBER a family history. It is caused by several —Glee Renick-May, Publisher

SUMMER—FALL 2014 RETIREMENT LIVING 3 TRAVEL & RECREATION Elkhart Lake Wisconsin getaway offers a wealth of dining, shopping and artistic options, great for a weekend or a week.

by Elizabeth J. Musgrave tretched out along its namesake Wisconsin community, Elkhart S Lake brings the elfin town no fewer than three resorts and several bed-and-breakfasts drawing visitors annually for generations. Although summer is the busiest time of the year, autumn, winter and spring each offer beauty and activities in this town of fewer than 1,000 residents. Whether escaping for a weekend getaway or taking a two-week complete relaxation trip with the family, no vacation is complete without a little shopping, enjoying local goods and taking home souvenirs for those left behind. Drive a short distance or discover all that is within walking WATERSPORTS There’s lots to do on and off the lake. distance. The tiny village of boutique shops, artisan galleries and an array atmosphere geared for the family on of more than a dozen restaurants one side, and white linens, mood provides guests the opportunity to lighting and a multiple Wine Spectator live like the locals. award-winning wine list on the other. Dining options at Osthoff Resort DINING range to accommodate all moods and Don’t be misled by the name—Lake lifestyles, from pub to white linen. Street Café, is anything but a single, Whether enjoying bourbon beside small establishment. With two sep- the Elk Room’s fireplace, brunching arate sides, identities and menus, al fresco on Lola’s Terrace or wining it could easily be two completely and dining at Lola’s on the Lake, A GREAT ESCAPE Elkhart Lake separate establishments: a casual regional fare prepared by gourmet is perfect for the family. chefs tempts the appetite. Burgers, barbecue and a European and the purchase of a bottle or two bar atmosphere are found at Pad- of wine for souvenirs or to drink dock Club. The historic building’s while relaxing waterside. For others, brick walls and storefront windows the shop also offers specialty cheeses, keep the pub light and airy. The chocolates, cigars and craft beer. Nico- open kitchen gives insight to the sea- la’s Gift Cottage offers local foods and sonal menu options. wines as well as organic fragrances, candles and home décor gifts. SHOPPING For more nonedible gifts, Nordic BRUNCH AL FRESCO Lola’s Terrace is one Vintage Elkhart Lake is open to wine Accents offers souvenirs and knit- of many dining options at Elkhart Lake. enthusiasts for tastings, discussions ted attire, focusing on Norwegian

4 RETIREMENT LIVING SUMMER—FALL 2014 TRAVEL & RECREATION sweaters, Danish candles and Rus- sian porcelain. Other gifts available include iron work, jewelry and Nor- wegian crystal. Lieutenant Dave’s Area 51 Vintage Shop is an eclectic mix of goods, ranging from 1940s Elkhart Lake nostalgia to vintage model trains offering Baby Boomers a glimpse of the good old days. Wisconsin getaway offers a wealth of dining, shopping Antique hounds will find Mix & and artistic options, great for a weekend or a week. Mingle browse-worthy. Offering treasures dating as far back as the 1890s and as recent as the present, the hunt will keep tourists busy looking for a trophy item to take home. Going upstairs may be the key to more vintage booty. Ollie’s Opera House Gift Shop is located above the Tavern at Siebkens Resort, featuring unique gifts and antiques. OSTHOFF RESORT Peaceful retreat with lots of activities.

ART Art lovers will find the Wisconsin haven for the creative soul at Two Fish Picture-Perfect Resort Gallery. The village shop features the talents of more than 50 artists, both local and national, in multiple media, ositioned on a rise including metal, painting and pot- above the village tery. Metal sculptures from recycled P resides the grand goods can be found in Wacky Birds. dame of Elkhart Lake Fine art by local artists is available at resorts. As if created solely Gina’s Fine Gifts & Framing. Situated for a film set (think Dirty inside the Feed Mill Shops, the gift Dancing), Osthoff Resort shop also offers artisan jewelry, and majestically holds court candles, soaps and lotions. over the tiny peaceful king- For hand-carved figurines, Drees dom located just slightly Woodcarving Studio is open by more than two hours appointment to visitors. Specializing above Chicago’s bustling THREE-BEDROOM SUITE Osthoff Resort in Saint Nicholas and unique Santa streets in the serenity of offers comfy accommodations. Claus figures, the store also offers Wisconsin’s Kettle Moraine statuary for the garden. State Forest. Rising against the bluest into the spa for the balance of mind, Featuring more than 60 fine-art of skies and the whitest of clouds, body and spirit. Specialty treatments craftsmen, and works by the Abler the queen proudly spreads her regal infused with the waters bring a sense family, Abler Art Glass Gallery is a arms to welcome all who come to of peace to the weary soul, while the showcase in contemporary glass- visit. spa’s café continues the journey of works. Located just outside of town, A dizzying menu of activities— wellness through juices and smooth- the studio also includes a landscap- including beach bonfires, evening ies, as well as healthy meals. ing gallery available for tours. boat cruises and hayrides—keeps For the hopeful chef in everyone, all ages moving on land, sand and Osthoff is the home to L’ecole de la FOR MORE INFORMATION water. Biking, kayaking and hiking Maison. The French cooking school For more information on the shops, are offered for nature lovers, while offers a tantalizing menu of classes restaurants and resorts of Elkhart golf, fishing and bowling keep and workshops in its kitchen of Lake, visit these websites: sports-minded guests content. gleaming counters, shiny appliances Aspira Spa, translated to “Infused and French Country décor. Chef Scott Osthoff.com with Spirit,” brings the energy and Baker assists the novice to the expert LakeStreetCafe.com healing of the Native Americans’ in all facets of the course, from meals PaddockClubElkhartLake.com ancestral sacred waters of the lake to gravies and pastries.

SUMMER—FALL 2014 RETIREMENT LIVING 5 ARTS & ENTERTAINMENT Summer and Fall Calendar A roundup of festivals, events, theater, music, art, wine tastings and more, across Northwest Indiana and nearby cities.

shaped our lives and made us all move to the same beat has finally arrived on Broadway and will launch its national tour in Chicago. The show is at the Ford Oriental Theatre, 24 W. Randolph in Chicago. Prices: $30-$103. For more information call 877/280-9582. Chicago—“Chicken Little,” until August 15. Sing along with Chicken Little and her friends Henny Penny, Turkey Lurkey, Loosey Goosey and Foxy Loxy as they journey to tell the king the news. The show runs one hour with no intermission, and is tar- geted for kids ages 2 to 12. Beverly A TALE OF LOVE AND HUNGER “Cascabel” is a culinary and theatrical experience Arts Center, 2407 W. 111th St. Price: featuring celebrity chef Rick Bayless, this summer in Chicago. $12. For more information, access www.chicagokidscompany.com. by Jane Bokun Chicago — “Cascabel,” shown Chicago—Blue Man Group, ongo- ummer and fall in Northwest through the Lookingglass Theater, ing. This long-running show has an Indiana, Chicago, Michigan, where one of the founders is David open run at the Briar Street Theater SIndianapolis, South Bend and Schwimmer of television’s long- in Chicago. The rhythmic, cobalt-blue all throughout the area—it’s a thing running show “Friends.” “Cascabel,” trio continues to amaze each year to behold. People here couldn’t feel beginning July 30 to August 24, fea- with physical stunts, visual gags, art better about a lovely break from the tures Chicago Chef Rick Bayless in and commentary and audience par- polar vortex that we’ve had to deal a romantic tale of love and hunger. ticipation. Call for performance times. with all winter and spring. Now that Ticket price includes hors d’oeuvres, Tickets: $49-$99. For more informa- the deep freeze is over, there are fes- dinner, sparkling and still water. tion access www.blueman.com. tivals, plays, casino events, art shows, Wine and beer are not included in Chicago—Second City, ongo- outdoor concerts and much more. The the ticket price, though beer and ing. The theater that started it all key for us this summer, and even in several different wines will be avail- and brought you John Belushi, Bill fall, is fun and lots of it. Our summer able for purchase the night of the Murray, Gilda Radner, Mike Myers and event calendar won’t let you miss a show. The culinary and theatrical Tina Fey presents comedy shows that minute of hot fun this summertime. experience of the year runs at the are big on improvisation and, many Chicago—For me, a longtime fan, Goodman Theatre’s Owen Bruner times, audience participation. Shows there’s nothing like seeing singer Theatre, 170 N. Dearborn, for four run at various times weekly. Tick- James Taylor live at Ravinia at 7:30 weeks only. Prices start at $240. For ets are $23-$28. The neighboring UP p.m. Thursday, June 26. Ravinia more information call the box office: Pavilion is at 400 Iris Lane, High- 312/337-0665. SIDE-SPLITTING COMEDY Jeff Dunham visits the Horseshoe Casino in September. land Park. The iconic showman who Chicago—“Motown The Musical,” brought us “Fire and Rain,” “Walking until July 13. “Motown” tells the story Man” and much more will be sing- behind the hits as Diana, Smokey, ing in this beloved outdoor, open- Berry and the whole Motown family air venue. Lawn seats start at $14. fight against the odds to create the For more information access www. soundtrack of change in America. ravinia.org. The music that shattered barriers,

6 RETIREMENT LIVING SUMMER—FALL 2014 ARTS & ENTERTAINMENT Comedy Club presents a show as well. festival and parade, Dinner/show packages available; no the streets are lined as drink minimum. For more information far as 12 people deep, access www.secondcity.com. while 750,000 people Summer and Fall Calendar Chicago—“Tommy Gun’s Garage” cheer the contingents is an audience interactive “speak- on and enjoy the show, A roundup of festivals, events, theater, music, art, wine tastings easy” which offers a musical comedy culture and experience. review with gangsters, flappers and The parade will be June and more, across Northwest Indiana and nearby cities. more. After a sit-down dinner, join 29. For more informa- “Vito,” “Gloves” and da “gangsters” tion access chicago. for comedy fun. The show goes gopride.com. from Thursdays to Sundays through Milwaukee—Sum- December. The show is at 2114 S. merfest, June 25-29 and Wabash in Chicago. For more infor- July 1-6, Summerfest mation call 312/225-0273. Grounds along Lake Chicago—“Juno,” running until Michigan, Milwaukee. July 27 is a musical based on the Summerfest provides 1924 classic Irish play “Juno and the the backdrop for the FROM BACH TO GERSHWIN The Northwest Indiana Paycock” by Sean O’Casey. Origi- music industry’s hottest Symphony’s 2014-2015 season begins in September. nally produced on Broadway in 1959, stars, emerging talent “Juno” has never been produced in and local favorites to create unfor- from some of the best local and Chicago, until now. This epic story gettable live music experiences in national ribbers will be in the spot- is a humorous and heartbreaking a world-class festival setting. This light at this popular summer food/ chronicle of the Boyle family, a des- year’s lineup includes luminaries street fest that’s celebrating its sixth titute household struggling under the such as Michael McDonald, Usher, year in 2014. Even better? A rockin’ strain of the Irish Civil War in 1922. Melissa Etheridge, Neon Trees, Out- three-day music stage lineup featur- The story is told through honest and kast, Arctic Monkeys and many ing some of the hottest local and powerful anthems such as “I Wish more. It is nothing but a party for 11 national rock/pop and classic indie It So,” “We’re Alive” and “One Kind fun-filled days. For more information acts as well as local tribute bands! Word.” TimeLine Theatre Company, go to www.summerfest.com. This “saucy” happening also features 615 W. Wellington Ave. For more Northwest Indiana—If you’re arts and crafts, a daytime play area information call the Box Office: looking for fun throughout the year for kids, plus beer and wine. Plus, 773/281-8463 or access www.timeli- check out the Northwest Indiana Windy City RibFest in Uptown takes netheatre.com. Symphony Orchestra’s schedule of place just steps away from three of Chicago—Gold Coast Art Festival, subscription concerts. They include Chicago’s hippest music venues: June 21, 22. The show is at Grant Park’s “Symphony Goes to the Movies” at 2 the Riviera Theatre, the Green Mill Butler Field at the corner of Monroe and 7 p.m. June 22 at Crown Point and the iconic Aragon Ballroom. A and Lake Shore Drive. Open from 10 High School, 1500 S. Main St. in $5 suggested donation benefits the a.m. to 6 p.m. daily. The Gold Coast Crown Point; and “Music of Motown” Business Partners, The Chamber for Art Fair, the “Granddaddy of American at 8 p.m. Sept. 12 at Star Plaza The- Uptown. Art Festivals,” returns to Grant Park’s atre, 8001 Delaware Place in Mer- Chicago—Taste of Chicago, July Butler Field with more than 350 art- rillville. Next up for the symphony 9-13, Grant Park. The Taste of Chi- ists from around the world. Currently is “Stargazing” at 7:30 p.m. Oct. 24 cago (mostly known as The Taste) is rated as one of the top 30 juried art at The Auditorium at Bethel Church, the world’s largest food festival held festivals in the country, the Gold Coast 10202 Broadway, Crown Point. You annually in mid-July in Chicago in Art Fair attracts hundreds of thousands can also see the symphony for free Grant Park. The event is the largest of art enthusiasts annually. Artwork of this summer on several evenings in festival in Chicago. Non-food-related all media is offered at the Gold Coast July and August, at different outdoor events include live music on multiple Art Fair with prices ranging $25 to locations. Check www.nwisymphony. stages, including the Petrillo Music $25,000. Many activities such as artist org for dates and places. For more Shell, pavilions, and film perfor- demonstrations, live music and fun information contact the Northwest mances. Musical acts vary from local art projects make the Gold Coast Art Indiana Symphony at 219/836-0525. artists to nationally known artists like Fair a great way to spend the day. Chicago—Windy City RibFest, Carlos Santana, Moby and Robert Entrance is free. July 4-6, Uptown, Lawrence and Plant. Since 2008, The Chicago Coun- Chicago—45th Annual Chicago Broadway. Friday, 5 p.m. to 10 p.m.; try Music Festival no longer occurs Pride, June 21, 22, Halsted and Saturday, noon to 10 p.m.; Sunday, simultaneously with Taste of Chicago Waveland. During the Chicago Pride noon to 9 p.m. Finger-lickin’ slabs as it departed the Taste of Chicago

SUMMER—FALL 2014 RETIREMENT LIVING 7 Festival, sponsored by the Sheffield Neighborhood Association, a nonprofit community organization. The “Summer’s Best Festival” features self-guided tours of more than 80 gardens, guided architectural tours, live entertainment by some of Chi- cago’s and North America’s finest JACKSON FIVE “Motown The Musical” runs through July 13 in Chicago. bands, food and drink, and activi- for its own two-day festival typically Soul Sister,” which hit No. 1 on U.S. ties for children at the Kids’ Corner. held in the fall. Rides are also pres- radio and in 15 countries around Donation: $7; $10 after 3 p.m. ent, such as a Ferris Wheel and the the world. Other hit singles include Chicago—Lollapalooza, August Jump to Be Fit. “Meet Virginia,” “Marry Me,” “Drive 1-3, Grant Park. Lollapalooza is New Buffalo, Michigan—Four By,” and “50 Ways To Say Good- more than just a music festival. Winds Casino features the group bye.” The band currently includes Taking place each year in historic Train on Friday, July 11. With its Pat Monahan (vocals), Jimmy Staf- Grant Park, Lolla is a three-day cul- biggest hit, “Hey Soul Sister,” Train ford (guitar) and Scott Underwood tural experience that takes place on initially found success with the 2001 (drums). More information about the 115 acres between Downtown Chi- album “Drops of Jupiter” and in 2002 concert is available at reservations cago and Lake Michigan. This year’s won two Grammy Awards for Best and information, 866-4WINDS1, 866- lineup includes Lorde, Childish Gam- Rock Song and for Best Instrumental 494-6371. bino and Eminem among many other Arrangement Accompanying Vocal- Chicago—The 46th Annual Shef- well-known acts. For more informa- ist. In 2009, the group channeled its field Garden Walk & Festival will be tion access you can contact an actual San Francisco roots and recorded July 19, 20, Lincoln Park, Sheffield human at [email protected]. “Save Me, San Francisco,” which and Webster. Welcome to the 46th Chicago—Chicago Air & Water featured 2010’s biggest song, “Hey Annual Sheffield Garden Walk & Show, August 16, 17 (rehearsal

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SUMMER–FALL 2014

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8 RETIREMENT LIVING SUMMER—FALL 2014 August 15) at North Avenue Beach. information about the Chicago Jazz ture Award program and the Heart- This show features everything you’d Festival call City Hall at 312/744- land Institute, which encourages want to know about water and air 5000. young filmmakers and film as an transport and much more. The 56th Indianapolis—Attend the Heart- education tool. For more information Annual Chicago Air and Water Show, land Film Festival held October 16-25 call Heartland Truly Moving Pictures, presented by Shell and the City of in various venues in Indianapolis. call 317/464-9405 or email gsorvig@ Chicago, will return August 16 and The Heartland Film Festival is one of trulymovingpictures.org. 17 along the lakefront from Fuller- three programs sponsored by Heart- Indianapolis—Murat Theatre at ton to Oak Street, with North Avenue land Truly Moving Pictures. The Old National Centre features “The Beach serving as show center, from other two are the Truly Moving Pic- continued on page 43 10 a.m. to 3 p.m. daily. Strong in tradition and one of the largest free- admission events of its kind, the show headliners include the U.S. Navy Blue Angels and the U.S. Army Parachute Team Golden Knights. For more information call 312/744-0576 or email [email protected]. Chicago—The Magnificent Mile Shopping Festival, August 21-Sep- tember 1, North Michigan Avenue. Opening Concert & Gala The Magnificent Mile Shopping Fes- tival presented by MasterCard is all MUSIC OF MOTOWN about celebrating the world-class The Contours featuring Sylvester Potts Magnificent Mile shopping experi- Friday, September 12, 2014 • Star Plaza Theatre ence. Shopping festival attendees receive VIP treatment with exclusive STARGAZING in-store offers and events, celebrity Friday, October 24, 2014 • Bethel Church appearances, fashion shows, culinary celebrations, outdoor concerts, fabulous hotel packages, special HOLIDAY POPS perks for MasterCard cardhold- Thursday, December 11, 2014 • Star Plaza Theatre ers and much more. You can also call The Magnificent Mile hotline BIG ROMANCE at 312/409-5560 to hear informa- with Winston Choi, piano tion about current and upcoming Friday, February 13, 2015 • Bethel Church seasonal events. At the end of the recording, you will be given the option to leave a message. SPIRITED VIOLIN Chicago—Chicago Jazz Festival, with David Taylor, violin August 28- 31. The event will be at Friday, April 17, 2015 • Bethel Church the Chicago Cultural Center, Millen- nium Park, with free admission. Pro- GERSHWIN! duced by the Department of Cultural Playing all your favorites! Affairs & Special Events and pro- Thursday, May 14, 2015 • Star Plaza Theatre grammed by the Jazz Institute of Chi- cago. Known for its artistic creativity, For tickets or more info: the Chicago Jazz Festival is a favorite Labor Day weekend tradition. It pro- • 219/836.0525 motes awareness and appreciation • www.nisorchestra.org With Maestro for all forms of jazz through free, Kirk Muspratt quality live musical performance. Music Director & Conductor Since 1979, the festival’s mission is to Subscribing Has Benefits! showcase Chicago’s vast jazz talent ORDER TODAY! alongside national and international 5% subscription discount if ordered by August 1 artists to encourage and educate a jazz audience of all ages. For more

SUMMER—FALL 2014 RETIREMENT LIVING 9 ARTS & ENTERTAINMENT South Shore Arts Retirement is a great time to find a new passion, including painting.

by Carol Moore never tried art before. Everyone etirement means being does the same painting, follow- busier than ever for Rita ing Jurincie step-by-step. She R Berg of St. John. “I’ve says she has a rule that “every always lived a very busy lifetime you clean your brush you style,” she says. “I went from have a sip of wine,” which adds being busy in the medical com- to the party atmosphere. Cab- munity to being busy in the ernet and Canvas draws from art community.” She’d always every walk of life—doctors, law- enjoyed crafting, even made her yers, business people, married own cards, so she thought she couples, unmarried couples, might like to explore the arts. from 20-something to 70-some- After she took her first painting thing. At the end of the work- class at South Shore Arts, she shop, people say things like, was hooked. “Oh gee, I could do this.” Berg encourages anyone who Art in Focus, South Shore Arts’ is ready to retire to find his or free art appreciation program, her own passion. She says, which is held from 10 a.m. to “Find what you like, figure out noon on every second and fourth how it’s done, then do it!” She Monday, is extremely popular recommends taking lessons with with retirees. The lectures are someone who can teach the designed for adults of all ages skills you need. She learned the who want to better understand basic skills of oil painting in a and appreciate art history and class taught by Leona Jurincie at LEARNING THE ARTS South Shore Arts instructor its impact on the world. Partici- Gerrie Govert works with a student. South Shore Arts. Five months pants watch a film or listen to later, she walked into Mark Polom- can become apples, trees or land- a lecture about a particular artist, chak’s gallery in Crown Point and scapes. Then she teaches how to use a genre, even occasionally about a fell in love with a different medium, Prisma color pencils, which are par- special exhibit or concert, which watercolor. ticularly useful in layering a drawing. is followed by a lively discussion. There’s a lot of engineering She then teaches her students how to One attendee said, “I love learning involved in painting—deciding in use new techniques and tools to add about the different areas of art and advance on the size of the finished depth to that layering. Once they’ve have been coming to Art in Focus for piece, the technique and the medium mastered these baby steps, the stu- about 10 years. When it first began, to use. Berg likes to work in oil dents choose their own medium for there were maybe 15, 20 of us. Now because each painting takes a long their first painting—pastels, oils or we have 50-plus at each talk.” time. She makes adjustments as she watercolors. Many students continue Art in Focus meets at the Center works. When she wants to do less painting even after they’ve lost some for Visual and Performing Arts, 1040 defined, more impressionistic work, of their physical abilities. By the way, Ridge Road, Munster. South Shore she uses watercolors. those paintings make terrific gifts! Arts classes and programs are held Just as Leona Jurincie was Rita If you’re not ready to jump right at the CVPA; at Substation #9, 435 Berg’s first painting instructor, she into a weekly class, you might want Fayette Street, Hammond; or at the could be yours. In her classes at to try Cabernet and Canvas, a new Crown Point Branch, 123 North Main South Shore Arts, Leona starts with South Shore Arts workshop/pot- Street, Crown Point. For more infor- the basics. The first step in her classes luck—everyone brings a dish and a mation about SSA programs, call is drawing. Beginners learn how to bottle of wine. Jurincie says this class 219/836-1839, ext. 103 or visit www. draw starting with basic shape, which is a lot of fun for people who’ve southshoreartsonline.org.

10 RETIREMENT LIVING SUMMER—FALL 2014 ARTS & ENTERTAINMENT YOUR PET South Shore Arts Why We Rescue Retirement is a great time to find Rescue animals can enrich your life a new passion, including painting. when you invite them into your home.

Anastasia M. Trakles hen I was a little girl, my many others out there who are not cies reflect this as well, as we try to mom and I were taking so fortunate as to have a nice family ensure that every cat that leaves our W a walk in our garden in to give them a home. Luckily, there care is going to a safe, loving, and the small town of Interlochen, Michi- are shelters, and the volunteers that truly “forever” home. It’s important gan, and we heard a funny sound run them, and many of those home- to us that our cats go where they will coming from the blackberry patch. less animals find their way there, be treated well—after all, why would We looked and found a beautiful Sia- where they wait to tell their stories they deserve any less? mese kitten, not even 6 months old, to potential adopters willing to come So, why not come visit us, and rolling around in the dirt there. He and grant them their dream—a “for- learn the stories of cats like Zipper, was lonely and obviously far from ever home.” Diva, Pluto, Corky and all of the whatever home he had come from, When a cat comes to the Indepen- others that claim ICS as their sanc- but he found a new home with us. dent Cat Society (ICS) in Westville, tuary while they wait for their own “Kublai Khan,” as he came to be for example, we make sure those forever homes? You can find us at called, enjoyed a great life of being a animals are vaccinated, nourished, 4061 County Line Road, at the corner little girl’s pride and joy. Some time and spayed or neutered, which is of County Line and U.S. 6 in West- later, he was joined by a stray black- essential to ensuring that even more ville, every Saturday from 10 a.m. to 4 p.m., and Sunday from 1 p.m. to 4 p.m. You can also learn more about how you can support our mission at We do not discriminate—whether a cat www.catsociety.org, where we host is 2 months or 20 years, if she needs a information, an email newsletter, a Facebook page, a Twitter feed and home, she has a chance at ICS. a blog.

FINDING A HOME Invite a and-white dog that was running animals are not left in the wild to live rescue cat into your life. loose one morning by our school bus difficult, often painful and unnatu- stop. Before I got on the bus, I made rally short lives. Our volunteers even my parents promise to keep “Roger” work with local communities to spay before I would get on the bus to and neuter the feral cats that live go to school, which of course they in their neighborhoods, barns and did. We’re a rescue family, after all, fields, to help ensure healthier lives and Roger provided almost constant for all cats, both “indoor” and “out- companionship to my mother in par- door.” ticular for nearly 20 years afterward. We do not discriminate—whether Today, between us, my parents and I a cat is 2 months or 20 years, if she have two dogs and six cats—all from needs a home, she has a chance at shelters and rescues. ICS. She may even wind up staying Rescue animals often have stories with us her entire life, as we are a that their owners can retell in vivid “no-kill” facility. Not every shel- detail. They make our lives more ter can make that commitment, for interesting, brightening our days a variety of reasons, but many can and giving us the kind of compan- and do, including many in Northwest ionship that can only come from a Indiana. No-kill shelters ensure that furry bundle of joy. But for every every animal gets an equal chance pet like Kublai and Roger, there are at a new life, and our adoption poli-

SUMMER—FALL 2014 RETIREMENT LIVING 11 FOOD & WINE

White Linen and Corks Indianapolis dining scene has more options all the time, from traditional steaks and Italian fare to eclectic new choices.

by Elizabeth J. Musgrave am delighted to be invited to create this culinary, wine and I spirits column for Retirement Living. As the food and drink scene continues to thrive in tourism, local movements and education, the energy is positive and ever-expand- ing. To kick off the inaugural install- ment, I will share recommendations for dining options in Indianapolis. Whether seeking gastro pub fare, Italian pasta options or a juicy steak, Indianapolis is enjoying a surge in culinary options. St. Elmo Steakhouse is known far and wide for its juicy steaks, fire-hot shrimp cocktail and massive wine list. Opening at the turn of the last century, the heavy wood furnishings, dim lighting and leather décor retain the yesteryear vibe, while the mar- MORE THAN STEAK The ahi tuna wontons at Eddie Merlot’s. tinis, top-notch service and visiting celebrities and pro athletes keep the modern pubs are varied and as For a scenic view, make reserva- downtown staple fresh. eccentric as the chef-owners. For a tions at The Eagle’s Nest. Atop the The term gastro pub brings on prime example of the best this genre Hyatt Regency’s downtown location, visions of eclectic décor, 20-some- has to offer in Indy, stop in at Black the remodeled revolving restaurant things wearing fedoras and locally Market on Mass Ave. Exposed brick has extensively overhauled its décor sourced produce. Menus in these walls, communal tables and Edison- and menu. White leather furniture, style lighting generates the urban light sconces and chrome fixtures industrial feel nicely. Menu items ensure a cosmopolitan feel as you change frequently, but expect fare enjoy the 360-degree view of the such as roasted bone marrow, grilled cityscape. Crab-encrusted halibut, beef heart, and salted chocolate thick elk chops and foraged mush- brickle for dessert. rooms with roasted garlic and cara- House-made pasta, fresh seafood melized pearl onions are top picks and traditional sauces make Capri, from the revamped menu. located on Indy’s north side, the If a cheese plate and bottle of wine choice for authentic Italian cuisine. appeal to you then look no farther An oversize bar and a courtyard than Petite Chou in both Carmel give diners alternatives to the typical and Broad Ripple. The French neigh- dining area. Plan on the real deal at borhood-style bistros are the spot this restaurant, including Arturo, the for relaxing and catching up with owner, stopping by to say hello. each other while nibbling artisanal

12 RETIREMENT LIVING SUMMER—FALL 2014 FOOD & WINE cheeses and sipping French reds. For an extra culinary experience, order the celery root and salmon tartine or crab cake Benedict for a leisurely Sunday brunch. Chef Joseph’s at the Connois- seur Room’s baked goat cheese and White Linen and Corks roasted pepper tomato sauce with a Stormy Night martini is the only Indianapolis dining scene has more options all the time, way to start a meal at this popular eatery. After popular eatery Agio from traditional steaks and Italian fare to eclectic new choices. closed, two investors couldn’t live without the chef’s culinary prowess and promptly opened a restaurant for him and named it appropriately. A pianist, garnet upholstery and polished wood give the Bogey and Bacall attitude to this downtown restaurant. Also on the menu, take note of the wine list (short but significant), DINING WITH A VIEW Crab-encrusted halibut at The Eagle’s Nest. lamb meatballs, and the city’s best calamari. Eddie Merlot’s offers many things, including steak, but I have to steer you toward the selection of fish (unexpectedly delicious) and the salads. Enjoy the ahi tuna wontons for starters with a champagne cocktail. Then, move on to the romaine Waldorf salad and the Florida grou- per with citrus glaze for an entrée. You won’t go wrong by sitting in the inviting bar area with live jazz music on weekends. If a cocktail and appetizer is all you have room for, stop in at the craft cocktail bar The Libertine. Order the bacon platter with dipping sauces and a Pisco sour at the downtown hotspot. Plan to order a second of the Peruvian drink made of grape brandy, just becoming popular in the ON THE SIDE Try the mushrooms Elizabeth Musgrave with pearl onions and roasted garlic states, as it is addicting. at The Eagle’s Nest. For the food lover wanting to pick and choose from a variety, look no food memory: crepes. Savory crepes ing throughout this year. No matter farther than the City Market. The include original mixtures such as which food type you are craving, if it historic red brick building houses that found on the Black & Bleu Moo isn’t in town yet, it will be soon. Bon an eclectic mix of food vendors. For crepe, filled with beef, bleu cheese, appétit! pickled onions, freshly made sauer- red onions, dried cranberries and Elizabeth J. Musgrave is a dining kraut and fermented foods, visit Fer- homemade roasted raspberry chipo- and wine columnist, food, wine and menti Artisan in the center of the tle sauce. Sweet crepes feature such travel features magazine writer and marketplace. Just around the corner selections as Apple Pie High, filled the travel and leisure expert on the from Fermenti is 3 Days in Paris. with apples, pecans, dried cranber- “Fox 59 Morning News Show.” Con- When a lady visits Paris and falls in ries and caramel sauce. nect with her on Twitter @gottago, love with the food, it is only natu- The Indy food scene is blossom- on Facebook and LinkedIn. To con- ral she will return home and open ing with new restaurants, breweries, tact her, send an email to Elizabeth@ a food booth featuring her favorite distilleries and wine rooms open- gottago.us.

SUMMER—FALL 2014 RETIREMENT LIVING 13 HOME & GARDEN Grow It In a Pot Gardening is a great way to enjoy the warmer weather, and you don’t even need a lot of space to grow some great edibles.

by Jean Starr nything that can be grown in the ground can also be A grown in a pot. Think of the advantages of walking outside to snip a salad from a container of lettuce, or picking a tomato warmed from the sun. For those with limited garden space, or who like the ease of growing in containers, there are plenty of food crops that grow on naturally small, scaled down, or notably compact plants. Sacha Gee Burns grows as many veggies as she can care for on a farm once planted in a commercial flower crop. “My grandfather and mom started it as a chrysanthemum farm,” the LaPorte resident says. “As I got older my sister and I got involved and I started veggies. Over the past 12 years we’ve grown lots of heir- FRESH SALAD Grow your own lettuce all summer. loom varieties.” Even though she has plenty of pairing of cut-and-come-again leaf long. With that in mind, plant one space to plant in the ground, she lettuce planted in a plastic bowl with in the center of a pot that’s at least likes to create container-grown veg- “Little Marvel” peas in the center. 18 inches in diameter and 20 inches etables. One of her favorites is a “Little Marvel” is a variety introduced tall for tomatoes perfect for anything to the U.S. in 1908. It grows just 20 from snacking to sauce-making. inches high and produces a good One of the newest tomato vari- crop of peas that retain their sweet- eties that does well in pots or in ness over an extended season. small spaces is “Megabite.” Accord- Even tomatoes can be grown in pots. The hybrid “Tumbling Tom” was developed for use in hanging pots, which Burns sells to customers at two farmers markets in the Chicago area. Other varieties ideal for this treatment are “Micro Tom,” “Cherry Falls” and “Tumbling Tom Junior Yellow.” Some tomato varieties are too large for a typical-sized hanging baskets. “Tumbling Tiger” is a striped tomato with fruit the size of a small paste- type tomato. The plant hugs the AN ALTERNATIVE Try a grow ground at a height less than a foot, MEGABITE This new tomato variety does bag instead of a pot. its stems reaching just 16 inches well in pots or small spaces.

14 RETIREMENT LIVING SUMMER—FALL 2014 HOME & GARDEN Grow It In a Pot Gardening is a great way to enjoy the warmer weather, and you don’t even need a lot of space to grow some great edibles.

SWEET Mara des Bois strawberry plants will bear small but tasty fruit all summer.

ing to Vegetalis, the U.K. company try to go dormant in summer,” she of sight, scent and sound. Why not that developed it, “Megabite” has says, “but keep them watered and plant some edibles and add a memo- very strong stems which support the they’ll keep producing.” Bred in 1991 rable taste sensation? plants well, but may require some by Marionnet Nursery in France, it is support to aid the large amount of the standard of quality for strawber- EXPERT TIPS fruit. “Megabite” bears fruit that is ries at French markets. It’s not a long • Avoid black pots when growing quite large, but has a good resistance keeper, and doesn’t hold up to ship- plants in full sun, as it can cause the to fruits falling off the plant. ping across county. Mara des Bois soil to overheat. If you’ve never eaten a home- was available on a very limited basis • To keep soil in containers from grown potato, you’ll be amazed at in the U.S. until just a few years ago. drying out so quickly, cut up inex- the spud-like flavor of a harvest that Now you can find plants through pensive sponges into the size of an can be grown in a cloth bag. Grow Burpee, Jung Seed and White Flower ice cube and place them beneath the bags are made of porous fabric that Farm, and if you’re lucky, the fruit plants.—Sacha Gee Burns aerates roots, prevents heat build- at some farmers markets. Or you can • Most vegetables should get at least up and allows excess water to drain grow your own in a window box or six hours of direct sun per day. — away. This is great for those with even in hanging baskets. Home Garden Seed Association heavy soil or limited sun. Start with We’ve waited a long time for the • Purdue University Department of a layer of soil 4 to 6 inches deep and touch of warmth the summer brings. Consumer Horticulture offers the fol- add a layer of seed potatoes. Add an Planting a garden engages our senses lowing pot size recommendations: additional layer of soil deep enough to cover the potatoes. After the pota- Minimum container size per plant toes sprout and send up stems, keep covering them with soil. This will CROP (diameter at top in inches) ensure a larger crop along the length Beans (bush) 6 of the stems. Burns recommends Russian banana potatoes as a variety Beet 5 with a good yield. I like French fin- Carrot 5 gerlings, which can be expensive in Lettuce 4 your supermarket. Mara des Bois is a fairly new vari- Peppers 10 ety of strawberry that will bear small Squash 14 but sweet fruit all summer. Burns Tomato (dwarf) 8 plants them in window boxes, which makes them easier to harvest. “They’ll Tomato (large) 12

SUMMER—FALL 2014 RETIREMENT LIVING 15 CEO LIFE PROFILE Driven to Succeed For Tom VanProoyen, retirement is still more than a decade’s drive away.

by Michael Puente VanProoyen believes the key to ing the church is really a privilege hen you run one of the Schepel’s success is that it’s family to do,” VanProoyen says. “I play oldest, largest and most owned and operated. “We don’t have the guitar, one of my sons plays the W successful car dealerships dealerships all over the country. We drums and my wife (Barbara) sings in Northwest Indiana, it’s difficult to concentrate on the dealerships that in the Church Praise Band.” even think about walking away from we have here,” VanProoyen told Because the dealership can and it to retire. Retirement Living recently. does take up a lot of his time, Van- “I think I’m at least a decade VanProoyen started working for Prooyen says he enjoys those times away,” says Tom VanProoyen, owner his father-in-law in 1982. He began he can spend taking trips with his and operator of Schepel Buick GMC buying the assets from his father-in- family. Cadillac of Merrillville. law in 2000 and has been at the helm “We plan a couple of trips per VanProoyen’s been with Schepel ever since. year. In the summer, we usually do Buick on U.S. 30 for 32 years. His VanProoyen’s sons, Ryan and something near the water, the ocean father-in-law, Rich Schepel, started Jordan, both graduates of Purdue or somewhere on the lake,” Van- the dealership in 1968 when it was University, are now actively involved Prooyen says. “We always try to do located in downtown Crown Point, in the dealership. “They both hope to something as a family. That’s impor- after purchasing it from Ray Shem take over one day,” VanProoyen says. tant time. The time spend away with Buick. “We’re in a transition period right the family is a benchmark of our General Motors, as VanProoyen now, going into third generation.” times of our lives. We can’t remem- tells it, urged the dealership to relo- While automobiles are VanProoy- ber what we do every day but we cate to a “more prominent, high traf- en’s passion, it’s not the only thing certainly remember the trips that we take.” VanProoyen also makes time for “You have to be a good manager giving back to the community. He will soon be past president of the of your time and make sure you are Northwest Indiana Auto Trade Asso- ciation, which is philanthropic in not only spending adequate time nature. The organization provides support to Northwest Indiana-based with your business, but adequate time not-for-profits such as the Northwest Indiana Food Bank, Opportunity with your family and other community- Enterprises, St. Jude House, a safe shelter for women and children in related projects.” Crown Point, while providing schol- arships to local students. fic” area. Of course today, U.S. 30 in he cares about. In fact, far from it. “Our organization is set up to ben- Merrillville is one of the busiest retail “For me, it’s always family and faith efit the community,” VanProoyen strips in Indiana. But not in the late that are most important. Those are says. “Car dealers haven’t always 1960s. much more important to me than the enjoyed the brightest of reputations. “Back then, U.S. 30 was mostly actual business,” says VanProoyen, a We’re here to let Northwest Indiana cornfields, but U.S. 30 still had a native of Highland. know that we’re good citizens and lot of traffic going by,” VanProoyen The 58-year-old VanProoyen grad- here to support a lot of good things.” says. “General Motors eventually uated from Illiana Christian High But running a business that is open approved us moving the dealership School in nearby Lansing, Illinois. He six days a week, including five week- out of Crown Point. We built it here and his family are very active at their nights, can be an obstacle to find- in 1970 and we’ve been here ever Highland-based church. ing a balance between work, faith, since.” “Faith is a priority in my life. Serv- family and community.

16 RETIREMENT LIVING SUMMER—FALL 2014 CEO LIFE PROFILE

“It is a little bit tough sometimes trying to prioritize your hours. The Driven to Succeed business requires us to be here a lot,” VanProoyen says. “You have to For Tom VanProoyen, retirement is still be a good manager of your time and make sure you are not only spend- more than a decade’s drive away. ing adequate time with your business, but adequate time with your family and other community-related projects.” But even when he does decide to sell that last car and give the keys to his dealership to his kids, Van- Prooyen says he will not be far away. “Retirement for me won’t be totally exiting the business, being that my sons are involved,” he says. “We have a good relationship. I enjoy being with them and I hope they enjoy being with me. I will probably stay involved in the dealership.” But retirement will mean more time for him and his wife, Barbara, who works as a CPA, to travel more, perhaps to Europe, where they have visited. “It will free myself up for things that I like doing. Outdoor activities like snowmobiling, bird hunting and watching car racing and fishing,” he says. “We’d like to do some travel- ing.” VanProoyen says because his sons know the dealership well, he won’t worry about leaving it to them. “Retirement is not getting away from the business but having the ability to get away and know that things are being managed and being taken care of while you’re gone.” Retirement, VanProoyen says, is also staying in an area he’s called home all his life. He says Indiana, as a state, is well-run, “compared to our neighbors to the west.” “Some people don’t always see Northwest Indiana as the epitome of where you want to live, but I really enjoy the people and the lifestyle of Northwest Indiana,” VanProoyen says. “I’m a proud Hoosier. I’m proud of what we do, the education with

our universities and what the state of DOHERTY PETE Indiana stands for. I will remain here “WE’RE GOOD CITIZENS AND HERE TO SUPPORT A LOT OF GOOD THINGS” for the rest of my natural days.” Tom VanProoyen is owner and operator of Schepel Buick GMC Cadillac of Merrillville.

SUMMER—FALL 2014 RETIREMENT LIVING 17 COVER STORY

Retire Right Here The stereotypical retirement dream used to involve sunny days in the warmer climates of Florida or Arizona. These days, seniors are finding more and more great reasons to stay home in Indiana.

by Cassie Richardson or relocate— within Indiana state Retirement, as far as many Baby eave it to the Baby Boomers. boundaries to build a new brand of Boomers are concerned, signals life’s They are changing the way life after retirement. second wind. According to a 2009 L we see life in America again. “As much as I like Indiana I would Pew Research Center study, the typi- The generation that showed us never consider leaving here perma- cal Baby Boomer believes old age how groovy could come in the forms nently. You have friends, you have a starts at 72. An estimated 61 percent of poodle skirts, mop top hairdos, social network, you have a comfort of all Baby Boomers feel younger Motown and bell-bottoms, now level with doctors, with barbers, with than their age—nine years younger brings us retirement 2.0. Breaking theaters, with local colleges, and you to be exact, the study reports. trend with their parents’ generations, have proximity to Chicago,” says Michael Lindburg, who lives with many Hoosiers born between 1946 Dave Ryan, executive director of the his wife, Eileen, in South Bend’s and 1964 are choosing to stay put— Lakeshore Chamber of Commerce. Harter Heights neighborhood, agrees. “Being 65 now is a lot different than 65 years ago. We’re much healthier with the ability to stay active and stay engaged. I don’t really have a desire to retire in the old-fashioned, traditional sense.” Baby Boomers are pursuing more active lifestyles when they leave their full time nine-to-fives behind. This translates into new demands on communities that want to attract and retain the state’s latest crop of seniors. Several Northwest Indiana communities are investing in infra- structure and adding new amenities to keep up with these trendsetters. In Eileen and Michael Lindburg’s case, Indiana beckoned when their daughter, Amanda, enrolled at the University of Notre Dame. The couple had met in the area and married during their coed days—Michael at Notre Dame and Eileen at St. PETE DOHERTY Mary’s College—and later moved to the East Coast, eventually establishing businesses in Albany, New York. FROM HEALTH CARE TO CHURCHES TO BASKETBALL As Fighting Irish parents, they visited Rex Richards and his wife, Judy, love the Valparaiso quality of life. campus often. When their daughter graduated PETE DOHERTY PETE 18 RETIREMENT LIVING SUMMER—FALL 2014 COVER STORY

TIES TO THE REGION Sue and Tim Eriks were born and raised here, so retiring here makes sense to them.

SUMMER—FALL 2014 RETIREMENT LIVING 19 and left campus in 2006, Eileen and in the United States. Then in 2009, ufacturing. Today, his South Bend Michael stayed connected to the com- after taking courses at the Univer- Wood Works employs six skilled munity—maintaining homes in both sity of Notre Dame Kroc Institute wood craftspeople and supplies Harter Heights and Albany. “South for International Studies, Michael set heirloom-quality wooden keepsakes Bend is a great place to live, weather out to manufacture similar products on the Notre Dame campus and to customers worldwide. Meanwhile, Eileen, officially retired “We’re much healthier with the ability to in January 2014 after selling her Albany-based commercial real estate stay active and stay engaged. I don’t business. The Lindburgs sold their Albany home and have settled into really have a desire to retire in the old- their Indiana home full-time. She’s preparing to entertain plenty of out-of- fashioned, traditional sense.” town guests. “We envision a place that --Michael Lindburg is comfortable for the two of us, but will be a great place for our kids and aside. The Midwest is a very friendly in South Bend. “I decided I prob- their kids to visit, and for our friends place. It’s a comfortable place to be,” ably wasn’t going to go and work to come on weekends,” she says. Michael says. in Columbia or Chile or Uganda, but Eileen is also taking her time figuring Michael was first to put the wheels there are plenty of things to do here. things out for her next chapter in Indi- of retirement relocation in motion. I believe that you start with jobs,” ana. “Right now I’m taking a breather He had long admired a high-quality Michael says. and enjoying not having a heavy wooden toy he purchased for his Ultimately, Michael sold his schedule, but I’m not going to be satis- granddaughter. Although the toy Albany-based software company, fied with this for long,” Eileen says. was made in Asia, Michael believed entered semi-retirement, and got a For Timothy Eriks and his wife, similar products could be made second wind in wood products man- Sue, settling into Indiana for the

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20 RETIREMENT LIVING SUMMER—FALL 2014 PETE DOHERTY

NO OLD-FASHIONED RETIREMENT Eileen and Michael Lindburg have settled into an active retirement in South Bend.

long-term just made sense. “Our enjoy cycling both in the subdivision iso. Over the past eight years a mix- decision to stay in this area was fairly as well as on the many trails that are ture of public and private investments simple—we were both born and being developed in the area.” have updated the small-town charm raised in this area and most of our Rex Richards, executive director of this Porter County community. family is still close by,” Timothy says. of the Valparaiso Chamber of Com- The city maintains an eclectic “I have been in banking for nearly merce, says Valparaiso is an ideal dining experience in its thriving 50 years, and having spent that many place to retire. “I have lived in other downtown area through an inno- years in the industry, I have devel- states and communities, and none vative liquor-licensing program for oped many relationships, which fur- has even come close to providing the small businesses. As a result, 10 res- ther develops the ties that keep us in options in total quality of life like Val- taurants—most within walking dis- the area.” paraiso,” he says. “The proximity to tance of each other—offer creative The Eriks moved into the Briar Chicago is a tremendous attraction. menus reflecting a variety of cuisines. Ridge development 28 years ago, ful- This community has so many qual- Downtown Valparaiso offers more filling their goal of living in a golf- ity-of-life assets such as great health casual eating experiences, too. The course community. “Since my wife care, a wide selection of churches city’s newly refurbished Central and I both golf, the ability to drive of all denominations, culture and Park Plaza hosts outdoor festivals— our golf cart from the garage to the athletic sporting events including including the annual Popcorn Fes- golf course and be able to golf five Division 1 NCAA basketball at Val- tival which celebrates favorite son minutes after leaving the house has paraiso University, a low crime rate, Orville Redenbacher—in addition to been wonderful.” a reasonable cost of living, and great symphonies and concerts. An adja- Eriks plans full retirement from his dining opportunities.” cent lot serves as home to Valparai- commercial lending role at Provi- Northern Indiana offers a variety of so’s weekly farmers market, summer dence Bank at the end of the year. amenities for Baby Boomers pursu- through fall. “I am currently working three days ing their second winds like Michael Transportation and accessibil- a week and that has been a com- and Eileen Lindburg. Here are four ity are also top priorities for Val- fortable way to prepare to full-time communities that might inspire your paraiso. The area is becoming more retirement. We tend to take multiple lifestyle. driver-friendly, says Richards at the short trips in the winter months to Valparaiso chamber. That includes break up the winter, but at least for FOODIE’S DELIGHT placing easier-to-read, larger-print the time being, our intention is to Foodies who enjoy fine dining and street signs at major intersections, keep Briar Ridge as our home base,” cooking with fresh ingredients will and providing ample free parking he says. “In addition to golfing, I enjoy living near downtown Valpara- near downtown attractions. And for

SUMMER—FALL 2014 RETIREMENT LIVING 21 residents who don’t drive, Valparaiso towns provide easy and direct access For example, Whiting recently operates public bus routes through- to nearly 26 miles of Lake Michigan completed major construction that out the city. shoreline and new entertainment revamped Whiting Park (119th options. Street) into an enhanced outdoor LAKEFRONT ADVENTURE “Collectively, the towns of Ham- recreational and concert space. This Boomers looking for an experience- mond, Whiting Gary and East Chi- improved lakefront development driven retirement may want to estab- cago, have invested nearly $100 provides new lighting, sidewalks and lish the Lake County communities of million to add miles of new bike/ streetscapes, plus a new baseball sta- Hammond, Whiting and East Chicago walking trails and other improve- dium. Plans are still in the works to as their home base. These adjoining ments to the lakeshore,” Ryan says. convert an old gun shop into a new restaurant. The Lake County lakefront also offers opportunities for indoor fun. VALPARAISO, INDIANA The Venue at Horseshoe Casino in Hammond offers concerts and live A CITY FOR ALL AGES performances by today’s top enter- tainers. New headliners, such as Boomer favorite Bette Midler, grace the stage every week. The luxury of fine dining and the glitz of casino gaming are also available at this lakefront entertainment compound. For Boomers who love the thrill of a good game, South Bend could be a sports lover’s dream. Located in St. Joseph County, South Bend is home to the University of Notre Dame’s Division 1 Fighting Irish teams. Being a fan of basketball and football means having access to games throughout both seasons. Residents here can also count on an electric atmosphere generated by enthusiastic local and out of town spectators. Boomers looking to take a swing at retirement beyond the bleach- ers will find excellent golf courses in this area. South Bend is home to the Blackthorn Golf Club, which was named one of the best places to play by Golf Digest magazine in 2012/2013. Also in the area, the Warren Golf Course is recognized as one of the best public golf courses in the Midwest. Hardcore sports fans aren’t the only Boomers who can enjoy the college

VALPARAISO.IN town atmosphere of South Bend. A variety of easy-to-access restaurants offer menus that cater to a myriad of tastes and price points, says Jeff Rea, president and CEO of The Chamber of Commerce of St. Joseph County. The campus community also fosters VIBRANT • VISIONARY valpo.us a vibrant culture that supports the- VALPARAISO.IN ALPARAISO ater and the arts. VIBRANT • VISIONARY

22 RETIREMENT LIVING SUMMER—FALL 2014 FINANCIAL PLANNING Retirement Planning Q&A The questions vary depending on your age, but no matter when, it’s a good idea to get solid advice.

by Shari Held lanning for retirement is an absolute necessity, and the P sooner you start, the better. But it’s not a “one-time-and-done” deal. Changing situations and road- blocks along the way require a con- tinual shift in strategies. You’ve got to be on your toes to keep on track! So how can you navigate a steady course that will fulfill your goal of a financially secure retirement? Here’s what the experts say about what you’ll need to consider and the challenges you’ll likely face each step of the way.

THE 20S AND 30S Today’s younger generation has a pretty good handle on who’s going to foot the bill for their retirement days—they are. Pensions are gone, and many in this age group fear they can kiss Social Security goodbye as well. “It doesn’t take a genius to figure out you’re stressing the current workforce to not only support the Baby Boomers, but support them for a longer period of time,” says Mike Hackett, vice president and trust officer, Harbour Trust & Investment “IT WILL MAKE A BIG DIFFERENCE” JoElla L. DePra, personal financial officer for 1st Source Bank’s Personal Asset Management Group in Valparaiso, Management Co. in Michigan City. recommends taking advantage of your employer’s 401(k). “That’s the biggest issue Social Secu- rity has right now.” retirement is not a top priority. They obstacle,” says Erik W. Brenner, CFP, The amount of assets being passed are typically starting their careers private wealth advisor and president, down from one generation to the and don’t have an abundance of dis- Mishawaka-based Hilltop Wealth next has also taken a beating over cretionary income, especially if they Solutions, a private wealth advisory the last decade or so. “I think all gen- have hefty college loans to cover. practice of Ameriprise Financial Ser- erations are beginning to realize they But they also want to live the good vices Inc. “They may not know how are going to have to do this on their life, and that’s often at odds with to get started saving. And typically own,” Hackett says. their paychecks. people in their 20s don’t ask for The lucky ones will find work in financial advice.” THE CHALLENGES companies that offer their employ- By the 30s, paychecks are bigger, For people in their 20s, saving for ees 401(k) plans. “If not, that’s an but now there may be spouses, mort-

SUMMER—FALL 2014 RETIREMENT LIVING 23 gages and children to support. “This objectives,” says Michael T. Baran- employer’s 401(k), and if it offers a is when most people want to start cyk, AIF, senior partner and wealth match, contribute at least that amount saving and protecting their family advisor of Crown Point-based Oak to qualify. That’s a no-brainer. “It’s with life insurance products,” says Partners Inc., a wealth and retire- easy to do,” says JoElla L. DePra, Brian P. Merz, registered representa- ment planning firm. “Retirement CTFA, personal financial officer for tive, New York Life Securities LLC, a management should be tailored 1st Source Bank, Personal Asset Man- licensed insurance agency. “But with around those goals and objectives. agement Group, in Valparaiso. “It’s younger families a lot of the income It’s not a one-size-fits-all story.” And kind of out-of-sight, out-of-mind. But is going toward raising kids.” Merz since goals change at every stage of it will make a big difference five or covers the Northwest Indiana and life, you’ll need to keep refining and 10 years down the road.” South Chicago area. making adjustments to your response to this question. What if your employer doesn’t QUESTIONS TO CONSIDER offer a 401(k)? What are your goals—what are Does your employer offer a Investigate other investment oppor- you trying to accomplish? 401(k)? Do they match contribu- tunities. “It’s not so much when you “The beauty of our business is not tions, and if so, up to what point? get into the market but how much every person has the same goals and You want to take advantage of your time you spend in the market that really helps,” Barancyk says. “And be sure your investment management costs are in line. You don’t want to pay too much, because with a smaller account, the costs can be detrimental to performance.”

Where’s your money going? “Younger generations don’t like the word ‘budget,’” DePra says. “They run from it. But if they realize they spent $125 of their paycheck and they don’t have a clue where it went, that’s when I suggest they put $5 per pay- Since 1863, 1st Source Bank has helped clients realize their check into a savings account and let dreams. We offer great service, convenient banking and the it grow. Being consistent is the key.” trust and investment advice needed to reach your goals. Do you know what you owe and have an effective strategy for paying it off? PERSONAL ASSET MANAGEMENT GROUP DePra suggests a “roll-down” strategy for paying down debt, which 14 Indiana Avenue, Valparasio, Indiana 46383 u 219 476-2933 entails paying off the highest inter- est-rate debt first, while paying the minimum on all other debts. “Do it strategically; don’t just throw money at it,” she says.

Direct and target your advertising to THE 40S AND 50S For younger people, the focus is on those who are your customers. making contributions but for those who’ve been saving, now’s the time to make adjustment to maximize their plans. “If you haven’t been saving up to this point, you may have to make www.NWIBQ.com lifestyle sacrifices to jumpstart your savings,” Barancyk says. www.RLivingmagazine.com Around age 40 people begin to see how retirement is impacting their

24 RETIREMENT LIVING SUMMER—FALL 2014 parents—whether their parents are A lot of people tell me they are a good addition to your financial struggling or have saved enough to diversified,” Merz says. “I ask them plan? enjoy retirement. “That’s when they what that means and they say I’ve With insurance products you don’t start getting a little more serious got equities, fixed income and stocks typically have limitations on the about putting money away,” Merz and bonds. When I look at diversifi- amount you can put in or restrictions says. “I hear a lot of people in this cation I look at it as whether it’s tax- on when you can withdraw funds. age group say their biggest regret is free or not. “There’s a lot of flexibility in the that they didn’t start saving in their various products,” Merz says. “Some 20s. It’s not as painful when it’s $100 Would life insurance products be have cash build-up, some are vari- per month versus $1,000 per month later in life.” The good news: The late 40s to early 50s is when most people are at their peak earnings years. “That’s when they have the most opportunity to put money into their 401(k) plan and to save for retirement,” Hackett says. This is also the time, if they have children, that they typically start thinking about estate plans, wills and life insurance. According to Brenner, people in this age group have two ways of thinking about Social Security benefits. “Some of them think it will be there for them in some form, although maybe not at the age it is now, and some of them aren’t count- Celebrating 10 0 years of putting clients first. ing on it at all,” he says. “What you have to do in your overall financial plan is include the way it is today. And then things change and you have to make adjustments. You can’t predict the future.”

THE CHALLENGES We’re proud to celebrate Merrill Lynch’s centennial as we continue to The biggest obstacle to saving for empower investors across America. We’re also pleased to have been a part of the Northwest Indiana community for the past 35 years. Together, the retirement during these years is the investment resources of Merrill Lynch and the banking convenience of children, whether at home, in col- Bank of America offer clients a powerful combination of solutions, advice lege or on their own. “What we’re and insights — today and in the years to come. seeing nowadays is they never stop relying on the parents,” Merz says. Merrill Lynch The financial environment is 707 East 80th Place another issue. “With the volatil- Merrillville, IN 46410 ity we’ve seen in the markets over 866.637.0868 the last 10 years, people are concerned about taking on too much risk,” Brenner says. A low-risk strategy may make them feel more positive now, but could have a negative impact their long-term savings. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a QUESTIONS TO CONSIDER registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”). Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC. Are your retirement savings © 2014 Bank of America Corporation. All rights reserved. | ARWXGGUN | AD-03-14-1159 | 470909PM-0414 | 04/2014 diversified?

SUMMER—FALL 2014 RETIREMENT LIVING 25 able depending on whether or not stream. What’s popular right now are Barancyk says. Before you consider people like guarantees or market income annuities that offer guaran- withdrawing funds from your retire- exposure. In light of the economy teed income streams for life.” ment plan, try reducing your contri- over the past few years, people are butions, applying for a student loan a little gun-shy and are gravitating How can I pay for my kids’ col- or both. When you start making full more toward guaranteed products. lege expenses and still save for contributions again, increase the They are looking at what they can do retirement? amount to get you back on track to leverage some of their retirement “You can’t mortgage your retirement with your savings goals. savings into a guaranteed income future for your kids’ education,” Another thing to check into: “By contributing to the state of Indiana’s 529 College Plan, parents can get a tax break,” DePra says. “A lot of people aren’t aware of that.”

AGE 60 AND BEYOND If you haven’t already, now’s the time to create a worksheet of estimated annual expenses down to light bulbs. “The people who are more detail oriented feel more com- petent to retire,” DePra says. You don’t want any financial surprises at this point, so be sure you fully understand the extent of your assets and how each will be impacted. “Many people don’t realize until they get into retirement that most of their Social Security benefits can be taxed, depending upon their bracket,” Brenner says. At this stage of the game, it’s critical to manage your investment approach. “If this isn’t something you are going to do diligently, find a professional who can help you with that,” Barancyk says. “Not all investment advisors and financial planners are created equal. Interview a couple and find someone you trust and feel comfortable with.”

THE CHALLENGES The biggest challenge to this group is Recession Proof Your Business staying on budget and not living above their means. Solid planning five years prior to actual retirement can help Advertise with us. minimize this pitfall. While you’re still employed is the time to make the big expenditures—major home improve- ments, a new car, a dream vacation. www.NWIBQ.com When you’re living on a fixed income, unexpected expenses can wreak havoc with your savings. www.RLivingmagazine.com DePra suggests seniors obtain a home equity loan prior to retiring as a cushion to deal with emergencies

26 RETIREMENT LIVING SUMMER—FALL 2014 in a “smart way” rather than dipping be well-versed in and have solid “You have to consider how ending into retirement savings. advice on how to distribute the up in a long-term-care situation will The biggest concern of the retir- money, because it can matter when affect your investment accounts and ees Merz has worked with is infla- it comes to taxes.” your surviving spouse.” Now might tion. “They’re worried about inflation be the time to investigate a combi- eating away at their purchasing Do you have a health care plan nation long-term-care/life insurance power,” he says. “Prices are a lot dif- in place? option that allows you to utilize the ferent than when they set themselves “You can’t go into retirement with- death benefit of the life insurance for up originally prior to retirement.” out health insurance,” Barancyk says. long-term care. Another big concern is outliving their savings. “When we used to run our financial plans, the life expectancy for a male was 83,” Brenner says. “Now it’s between 90 and 95. That’s huge. With a couple, chances are one of them is going to live to that life expectancy. People fear they BCC won’t have enough money to cover a 30-year retirement.” BURKE COSTANZA & CARBERRY LLP QUESTIONS TO CONSIDER When should you retire? The impact of retiring at age 62 or age 65 depends on several factors Advisors you want. Advocates you need. and can vary depending on what your spouse does. Find out the VOTED BEST implications for your specific situa- STATE LANNING tion from the Social Security Admin- ESTATE PLANNING • E P istration. DePra suggests considering PRACTICE • WILLS AND TRUSTS your employer’s policies when deter- 2011-2014 mining your specific retirement date. ROBATE Some employer 401(k) plans don’t • P pay the match for the previous year RUST DMINISTRATION until the first quarter of the next year. • T A And they may only distribute 401(k) LDER AW funds once annually. • E L EDICAID LANNING What dollar amount will you need • M P to continue your same lifestyle? ND UCH ORE Barancyk says just because you • A M M ... grossed $100,000 per year, doesn’t mean you’ll need that same income in retirement. “Your paycheck has F           taxes, Social Security, 401(k) con- V   WWW.BCCLEGAL.COM tributions and health care benefits     ------taken out,” he says. Determine what you actually use to support that lifestyle and reduce it by the amount of x4 your Social Security benefit. years! Do you have a tax-efficient dis- tribution plan? “We have traditional IRAs, Roth IRAs and non-IRA-type assets,” Brenner 9191 Broadway | Merrillville, IN 46410 | t. 219.769.1313 | f. 219.769.6806 says. “Different types of assets are 156 Washington St. | Valparaiso, IN 46383 | t. 219.531.0134 | www.bcclegal.com taxed differently. Now you need to

SUMMER—FALL 2014 RETIREMENT LIVING 27 HEALTH CARE

REASONS TO HOPE Early diagnosis is ideal, but new treatments are helping those with advanced cancer, too.

Advances in Cancer Treatment News of the “C” word is frightening for patients and stressful for physicians to share, but treatment options are getting better all the time.

by Cassie Richardson “I couldn’t believe this. It was “The first thought upon receiving wo weeks before she was totally unexpected,” she says. “I’ve the cancer news was how much time diagnosed with cancer, maga- been healthy most of my life, physi- do I have. My life priorities took a T zine publisher Glee Renick- cally fit and taking care of my health. major shift.” Then her doctor rec- May thought she had the stomach flu. So having a diagnosis like this was a ommended the Whipple surgery to “I would be eating and all of a total shock.” remove the cancerous tumors, and sudden I’d start getting pains in my And so it goes. As far as most Renick-May’s practicalities set in. stomach,” she says. people born before 1970 are con- Subsequently, “ My fear and anxiety Thinking she had some sort of cerned, cancer is as frightening as an was surviving this major surgery,” stomach virus, Renick-May even- atomic bomb. Most people in this age she says. “Then the good news came tually visited her physician to find group know someone who has had from the surgeon that he successfully relief. Early tests suggested that the cancer and received powerful cancer removed the tumors and it had not suspected “stomach bug” was actu- treatments, which can be as tough to spread in the lymph nodes.” ally pancreatitis. Additional tests, endure as the disease itself. So a new While the first conversation about however, rendered a more serious cancer diagnosis typically activates a a cancer diagnosis can be difficult verdict: Renick-May had pancreatic wave of emotions and fears about the for the person with the disease, the cancer. battle for survival that lies ahead. initial cancer talk is rough on physi-

28 RETIREMENT LIVING SUMMER—FALL 2014 HEALTH CARE cians, too. In fact, one of the most of early detection. ”In the case of lung reotactic radiosurgery (SSR) destroys difficult parts of a physician’s job cancer, if I have a patient that I’ve cancer cells by focusing small beams involves dropping the C-bomb: tell- diagnosed at an early stage, I’ve got of radiation on small areas of the ing a patient he or she has cancer…. the opportunity to tell them they’ve body. the Big C…the six-letter word no one got a curable disease,” Dumont says. “Although it’s not surgery, it does wants to hear. Finding lung cancer in its beginning what surgery does,” says Urmi “It’s never an easy discussion to states, for example, is the best shot Kalokhe, M.D., medical director of have, giving someone the most dev- at a cure. Low-dose CT scanning, a radiation oncology at Franciscan St. astating news of their life,” says Don relatively new technology, is proving Margaret, in Dyer and Hammond. Dumont, M.D., pulmonary medical to be more effective at finding malig- One of the newer SSR treatment specialist and Franciscan Medical nant tumors earlier than standard options on the market is called Specialists in Munster. “There’s no chest x-rays. Compared to x-ray, CT Cyberknife. When combined with sugar-coating the diagnosis. We do scanning uses lower doses of radia- CT scanning and visualization tech- have to be fairly blunt. The patient tion, which is safer for the patient. nologies, this computerized robotic needs honesty.” It can also detect cancerous growths system makes it possible to sculpt This year, physicians will have before they spread to other parts of high doses of radiation around the frank conversations about new the body, which is when the disease tumor’s shape, minimizing damage cancer diagnosis with an estimated is most curable, Dumont explains. to surrounding, normal cells, Dr. 1.67 million Americans, according to CT scanning is widely available in Kalokhe says. This painless alterna- the American Cancer Society’s 2014 both community and academic medi- tive to surgery can be used to treat Cancer Facts Report. Of that number, cal center practices. lung cancer as well as cancers of the over 35,560 Indiana residents are Reaping the full benefits of this breast, kidney, liver, pancreas, pros- expected to learn for the first time potentially lifesaving technol- tate and other cancers. Patients who that they have cancer. In another ogy requires a commitment on the have inoperable cancer or tumors in report, the Indiana State Department patient’s part. At-risk patients—men places where surgery may be risky of Health (ISDH) estimates that 2.4 and women between 55 and 80 years may be able to find new hope in this million Hoosiers—two out of every old with a history of smoking a pack technology. five people living in the state—will of cigarettes a day for 30 years or For patients who are good candi- eventually develop cancer. more—should include this screen- dates for surgery, many will be happy Advances in Many people fear cancer with ing as part of their annual health to know that modern laparoscopic good reason. Every year, cancer checkup. “It’s a process. The scan techniques have made many surgi- causes more deaths than diabetes, should be done on a yearly basis. cal procedures less invasive. Today, Cancer Treatment Alzheimer’s disease and stroke. Only That’s your best chance for early surgeries that once required long heart disease claims more lives. And detection and cure,” Dumont says. incisions happen through small slits, News of the “C” word is frightening for patients although cancer strikes every age But, not every diagnosis comes which heal faster and cause less pain. group, middle age and older adults as a result of early detection. Fortu- Surgery turned out to be the best and stressful for physicians to share, but treatment options are most likely to get it. In 2010, 70 nately, the potential for good news is option for Catherine Siedler of Cedar percent of all Indiana cancer cases growing for people diagnosed with Lake. After learning she had breast are getting better all the time. occurred in people over the age of advanced cancer. Like non-small-cell cancer, Siedler fought back against 55, the ISDH reports. lung cancer, most early stage colorec- her advanced stage disease by getting Breast cancer is the most common tal, breast and cervical cancers are a mastectomy. That was more than a cancer among Indiana’s women. also potentially curable. “If we catch decade ago. Since then, the 64-year- Prostate cancer is most common these cancers early, then we treat old survivor has been cancer-free. among men. Lung cancer is the most them appropriately and the cancer In 2003, “They took 29 lymph common in both men and women. doesn’t come back,” says Thomas nodes, 24 of them were infected. Fortunately, a diagnosis of these Reid, M.D., Ph.D., medical director And then they took the breast, so I cancers doesn’t always signal an of hematology-medical oncology at figured it’s gone. That’s it, I’m done,” immediate death sentence. When Memorial Regional Cancer Center in Siedler says. She did receive chemo- cancer is caught early, and in South Bend. therapy treatments at the insistence some cases when detected during Eliminating cancer, once it’s of a friend. “I wasn’t even going to advanced stages of the disease, detected, typically involves surgery, have chemo but my neighbor said newer treatments and techniques are radiation and chemotherapy, or ‘Why don’t you have chemo to make helping survivors live longer, with a some combination of these. In some sure it’s all gone’ and I said ‘OK.’” better quality of life. instances, radiation can accomplish Never being one to depend heav- Admittedly, it’s easier to tell the same results as surgery, with- ily on traditional Western medicine, patients they have cancer when the out having to make an incision. A Siedler turned to the Cancer Resource conversation begins with the praises modern technology known as ste- Center (CRC) in Munster for sup-

SUMMER—FALL 2014 RETIREMENT LIVING 29 ful for the patients. It builds a lot of anxiety. I believe they’re afraid of not only hearing the word ‘cancer” but what’s in store for them as far as chemo, radiation, surgery,” says CRC director Anthony Andello. “I’ve seen that with a lot of [our support] groups. People come in fearful, anx- ious, and over time you see these individuals are able to cope with the stressors with cancer.” CRC is a program of the not-for- profit Community Cancer Research Foundation, which offers supportive services, free of charge, to enhance the quality of cancer care in North- west Indiana and the south Chicago suburbs. Reid sees value in connecting patients with the spiritual, financial GOOD PROGNOSIS Thomas Reid, M.D., Ph.D., medical director of hematology-medical oncology at Memorial Regional Cancer Center in South Bend, says many cancers are and emotional support they may potentially curable if caught early enough. need. Especially during chemotherapy, some patients may develop port in battling her cancer. She took some of the stress and tensions that depression, anxiety and fears about Reike, reflexology and empower- came with her diagnosis. their treatment, their prognosis for ment drumming classes to release Having cancer “is definitely fear- survival and the possibility that their

30 RETIREMENT LIVING SUMMER—FALL 2014 cancer will come back. Then there are adverse side effects of treatment such as chemo brain, fatigue, and long-term, residual pain. Thanks to the recent development of anticancer drugs that target patient genetics and the biology of malignant cells, some undesirable effects asso- ciated with standard chemotherapy are being minimized. At the same time, these new “designer drugs“ offer greater peace of mind that survivors—even men and women diagnosed with advanced and metastatic cancer—can live longer with a better quality of life than in years past. The development of promising new drugs, or antibodies, that produce far fewer side effects and allow people to live longer, compared to standard chemotherapies fall under CLINICAL TRIALS Eduardo Braun, M.D., hematologist-oncologist at the Michiana Hematology Oncology Advanced Centers for Cancer Care in Westville, says trials are a the categories of immunotherapy good option for many patients. drugs and growth factor inhibitors. Immunotherapy drugs work much tricks the immune system into fight- from the immune system’s attack. like a vaccine. These drugs mark ing off cancer cells, while leaving New growth factor inhibitor drugs cancer cells as “foreign” cells, which normal cells unmarked and protected stop cancer cells from growing by

SUMMER—FALL 2014 RETIREMENT LIVING 31 destroying tiny blood vessels that research behind new drugs before However the best way to find and provide nourishment. When the they are made available to the public. enroll in any clinical study is to enlist blood supply is cut off, the cancer By the time drug testing reaches the the help of a physician, Braun says. cells die. stage where patients are involved, the After the initial bombshell of her “The great thing nowadays is new drug has been marked as safe, diagnosis, Renick-May said she My spine-tingling that we have more tools in our tool and researchers believe it will work began to feel more optimistic as she chest—more drug combinations, better than current medications on the continued to talk about her condition more individual drugs that we can market. Participation in these patient with her surgeon and oncologist at cancer story. use to try to manage our patients, studies could provide access to new Indiana University’s Simon Cancer and treat our patients and their dis- medication therapies that go above Center. eases like they are chronic diseases, and beyond standard treatment. “My surgeon was very encouraging I never thought it would happen to kind of like hypertension and diabe- “This is something that should and gave me hope that I was going to tes,” says Reid. come up on day one. We always do well with the Whipple procedure me. But when it did, I just wanted “It all comes down to figuring out need to have a plan,” says Braun. “I and recover,” she says. “I’ve just com- what will be the best treatment for strongly believe that the clinical trial pleted six months of chemotherapy. it out. But my cancer wasn’t just each, individual patient,” which begins not only makes the field [of cancer Next is the CT scan and blood test to with an honest and in-depth doctor- care] evolve but it is a good option be sure the cancer is gone. This is a lying there waiting to be taken patient conversation, Reid adds. for the patient. There are several cancer that can return in my lifetime, As part of this conversation, studies showing that patients treated I was told. If it does, at least I know out—it was right next to my spine. patients may want to ask about the in clinical trials tend to do better than what to expect and I will continue to availability of suitable clinical trials, patients treated without clinical trials, fight it. This has been a life-altering As my doctor started discussing says Eduardo Braun, M.D., hema- in general.” experience. I’m not the same person. treatment options, I immediately tologist-oncologist at the Michiana Patients can find a list of ongoing My life priorities have more meaning Hematology Oncology Advanced clinical trials in their area at www. now. My faith is much stronger. And started to assume the worst. After Centers for Cancer Care in Westville. clinicaltrials.gov. Not every patient those closest to me have helped tre- Clinical trials are the final stages of will be eligible for every clinical trial. mendously.” all, it was my spine. But then he said, “I know exactly what to do.”

Quality Service, Compassionate Support, When facing cancer, you want the best possible care. The hospitals of Franciscan Alliance are committed to providing state-of-the-art treatment World-class cancer treatment— using the most advanced cancer-fighting technology available—all right here right here at home. in your community. In fact, Franciscan Alliance hospitals are nationally recognized for providing outstanding cancer care. You would go anywhere Peace of Mind. for world-class cancer treatment. It’s nice to know you don’t have to go far. Everyday we strive to free those we serve to experience the fullness of their lives. We are able to provide this support through our unique continuum of care, that includes: • ST. ANTHONY HOME PERSONAL CARE SERVICES (non-medical in-home care) ST. ANTHONY HOME • FRANCISCAN ADULT DAY SERVICES inspiring health RANCISCAN COMMUNITIE • ST. ANTHONY HOME (Assisted Living, Skilled and Intermediate Care) F S 203 Franciscan Dr. • Crown Point, IN 46307 • ST. ANTHONY HOSPICE (In-home and In-patient Care) (219) 661-5100 • HOLY FAMILY CHILD CARE www.stanthonyhome.com/np Sponsored by the Franciscan Sisters of Chicago FranciscanAlliance.org

32 RETIREMENT LIVING SUMMER—FALL 2014 My spine-tingling cancer story.

I never thought it would happen to me. But when it did, I just wanted it out. But my cancer wasn’t just lying there waiting to be taken out—it was right next to my spine. As my doctor started discussing treatment options, I immediately started to assume the worst. After all, it was my spine. But then he said, “I know exactly what to do.”

When facing cancer, you want the best possible care. The hospitals of Franciscan Alliance are committed to providing state-of-the-art treatment World-class cancer treatment— using the most advanced cancer-fighting technology available—all right here right here at home. in your community. In fact, Franciscan Alliance hospitals are nationally recognized for providing outstanding cancer care. You would go anywhere for world-class cancer treatment. It’s nice to know you don’t have to go far.

inspiring health

FranciscanAlliance.org CORPORATE PHILANTHROPY Relying on Generosity Not-for-profits are on the financial mend following the downturn, but always need the support of those passionate about the cause.

by Heidi Prescott Wieneke ends meet because donations must not-for-profit organizations that are any people feel a con- be down. But that’s not always the reporting strong donation figures are nection to their church. case. using a combination of trusted-and- M Some are loyal supporters In fact, Seiler says the charities that true fundraising mechanisms as well of their alma mater. Others strongly continued to make the case for mem- as new fundraising techniques. believe in the mission of a not-for- bers or supporters to donate, and Some charities are still sponsoring profit organization that provides an continued to fundraise despite tough special events and galas and solic- important service or program in their financial times, have either held their iting donors through direct mail. community. own or seen an increase in donations Others are reaching out to prospec- Personal involvement and emo- in the last several years. tive donors in new ways, especially tional attachment—not just a tax “Organizations with a compelling through social media, and with new deduction—motivate people to argument for raising money have messages. donate to a charitable cause, during continued to make money success- The United Way of St. Joseph a booming economy or bitter reces- fully,” Seiler says. “Granted, some County volunteer board of direc- sion. Studies have shown that there individual donors have reduced the tors decided to analyze the conse- are benefits to being generous with- quences of the recession and review out anything expected in return. how other chapters were appealing “You feel better about yourself “When you donate to potential donors. With more than and about participating in something 3,000 not-for-profits in the United outside of yourself. It’s the joy of or volunteer you States, charities are seemingly run- giving,” says Dr. Tim Seiler, direc- ning into each other at every turn, tor of the Indiana University Lilly want to know what and there are only so many dollars to Family School of Philanthropy in go around, says Kay Ball, president Bloomington. He is a philanthropic difference your and CEO of the St. Joseph County studies professor and a national phi- United Way chapter. “Everyone is lanthropy expert. money is making.” competing for donations.” But there’s a caveat: Some people —Kay Ball, president and CEO of the Two out of three American house- want and need to be asked for their St. Joseph County United Way chapter holds make charitable contributions, donation. In other words, as long as with religious organizations receiv- one’s favorite charity asks for dona- number of nonprofits they support, ing the most donations, followed by tions and financial support, people but donors find a way to support the educational institutions, Seiler says. find a way to give, Seiler says. organizations they feel most loyal to, More families are donating to Some not-for-profit organizations even in tough times.” human service organizations, so it is stopped asking for money in 2008 That is not to say the economic increasingly important for consumers and 2009, thinking people would not downturn did not have a short-term to clearly understand the goals and want to part with their discretionary effect on not-for-profits. Charitable objectives of the United Way, Ball dollars or money tied up in retire- donations nationwide dropped about says. ment accounts. 5 percent in 2008 and 8 percent in “In the past, if we asked 15 people And many of those charitable 2009, Seiler says. Since then, not-for- what United Way did, we’d have 15 organizations that presumed people profits have been in recovery mode. different answers,” she says. “We would not be as willing or able to Most organizations have seen 1 per- never heard that people don’t like donate were probably forced to cent increases in donations annually, the goal or the work of the United trim services, staffing, or programs, he says. Way, but they have had difficulty because they did not meet their fun- “We’re still four to five years away knowing what the results were. draising goals, Seiler says. from catching up in terms of total When you donate or volunteer you Many people today think not-for- dollars,” Seiler says. “Things are want to know what difference your profits must be struggling to make better than they once were.” Many money is making.”

34 RETIREMENT LIVING SUMMER—FALL 2014 CORPORATE PHILANTHROPY Relying on Generosity Not-for-profits are on the financial mend following the downturn, but always need the support of those passionate about the cause.

LENDING A HAND Generosity benefits not only the organizations you support… it’s good for you, too. So United Way chapters have are not coming back. We need to put image of the retail stores it oper- recently become laser-focused on ourselves in a good position as we ates, because there are thousands of what each perceives to be the big- look toward the future,” Ball says. Goodwill stores nationwide where gest social problem in the region “We feel like we have the willingness consumers can donate items or make it serves. Poverty was selected as of our donor base to move ahead purchases. the focus for the St. Joseph County with this agenda. We hope this will What they don’t realize is that United Way. bring even more people on board.” Goodwill uses that revenue to create Ball believes the initiative will help Like the United Way, leaders at jobs for people—people who never raise public awareness about the Goodwill Industries of Michiana real- thought they’d be employed, let United Way’s local mission. “One in ize their organization needs to better alone successful, says Debie Coble, three children in our county is living market itself to area consumers so president and CEO of Goodwill in poverty. One in five, or 53,000 they have a clearer picture of where Industries of Michiana. men, women and children here are contributions go. So Goodwill is now focused on living in poverty. We call this an And that’s where Guy Fisher, the spreading that message to area resi- epidemic,” Ball says. “Other chap- new director of mission advance- dents and potential donors. ters have chosen homelessness or ment, comes in. He is responsible “When individuals look at what hunger, but our poverty numbers are for public relations outreach as well charities to support, we want them staggering.” as connecting with current and pro- to think of and consider Goodwill. If Her chapter is now aligning itself spective donors in the Michiana area. we could just get the public to sup- with community partners that share “The mission of working with those port us more financially, we could the concern so they can work who need a hand-up resonates with do more things,” Coble says. “Sup- together on strategies to eliminate me,” Fisher said in a company news- porting Goodwill supports your poverty. Ball says most corporate letter. “Our community needs us to community. We’re not a handout. executives polled said their busi- create opportunities where people I watch life change for people. We ness would increasingly donate and can work and experience the dignity believe in people, sometimes before volunteer with the United Way with that comes from honest effort. Good- they believe in themselves.” poverty at the forefront. will fills that niche.” Goodwill Industries of Michiana “We’ve seen the world changing Many consumers hear the word receives several annual gifts from around us and the good ‘ole days “Goodwill” and conjure up the trusts. People set up these trusts to

SUMMER—FALL 2014 RETIREMENT LIVING 35 distribute money annually from their estate to a charitable organization or not-for-profit that has meant a lot to FRANCISCAN ALLIANCE EIGHTH ANNUAL them, Seiler says. NORTHERN INDIANA REGION GALA Because people are pushing back retirement and living longer, many older Americans today worry about Evening of outliving their money. “Making a bequest in a will is a way to be charitable but not do without anything while you’re living,” Seiler says. H O P E Without the kindness of an anonymous donor, Tradewinds Services of Hobart would literally not be where it is today. The rehabilitation agency, inspiring health which assists people with disabilities, moved into its current location after an anonymous donor purchased and SATURDAY, OCTOBER 18, 2014 donated the building to Tradewinds. HILTON CHICAGO Tradewinds’ chief executive, Jon Gold, clearly remembers how the For information, call Colleen Lannon, (219) 933-2178, timing of the economic downturn or email [email protected] coincided with the organization’s All proceeds will benefit the Franciscan AllianceNorthern Indiana Region Mission Programs discussions about moving. Because Tradewinds, too, was affected by the recession, it made donations all the more important. “People didn’t stop giving, but they gave less and we were impacted some. If we had a gala, people might buy part of a table instead of buying an entire table like they did in the past,” Gold says. “Without the building donation, we wouldn’t have been able to make the move we did.” Time to Retire? Unlike some not-for-profits, Tradewinds is able to sustain itself At least for a special day – financially through the services it relax in your Jacuzzi, provides. Only 5 to 10 percent of enjoy the fireplace or gazebo Tradewinds annual revenue comes followed by evening dessert from donations. But when a not-for- and a good night’s rest. profit falls short of fundraising goals, YOU deserve a special retreat! the organization oftentimes is forced to make changes. “If you had to tell someone to cut their budget by 5 to 10 percent, it’s a lot,” Gold says. Order Inn at Aberdeen Gift Certificates to show your Tradewinds’ recent move to Hobart family, friends and business associates that you REALLY care. has resulted in the growth of its residential group home occupancy. The Inn at Aberdeen “We’re seeing expansion and what Bed & Breakfast and Conference Center I would call substantial growth. But 3158 South State Road 2 • Valparaiso, IN 46385-7765 Toll Free 866-761-3753 • 219/465-3753 • www.innataberdeen.com with expansion you need funding. We’re serving more people so the As seen in Midwest Living, Chicago Magazine and Chicago ABC TV’s 190-North. need for donations is even greater,” Voted BEST B&B by readers of SHORE Magazine & TIMES newspaper. Gold says. Voted Best Bed & Breakfast for Business Travelers by readers of Northwest Indiana Business Quarterly. The best way for Tradewinds to secure donations is to bring potential

36 RETIREMENT LIVING SUMMER—FALL 2014 donors into the new building for a tour, he says. “When they come in here and see people with disabilities doing some type of job or activity that they might not be doing other- www.goodwill-ni.org wise, they sense that happy environment,” Gold says. “You can describe it to someone over the phone, but we’d rather not tell you. We want to show you what we’re doing.” In much the same way, John Cain, South Shore Arts and Northwest Indi- ana Symphony executive director, says fundraising is about friendships and arts relationships with individuals and companies. The corporate landscape has changed so much that donors today tend to be businesses that employ someone who is person- ally involved in the symphony or one of its arts program. “You always have to be looking for new donors, that’s a given. I don’t think it’s any different from one organization to another,” he says. But many people don’t look at the arts the same way they do another not-for-profit, Cain said. “I think it’s probably easier to ask for a donation to a shelter or the American Cancer Society because it might pull at people’s heartstrings more than sponsoring a symphony concert,” he says. People tend to “I was arrested more times than I can remember. I lost my think of the arts as a quality-of-life enhancement as opposed to a not- freedom, my family… I almost lost my life. But mom never for-profit that is in need of sponsor- gave up on me. Not many stories like mine have happy ships and donations. Leaving a gift or endings. My future began when Goodwill helped me find a making a bequest in a will can support an organization like South Short job. That’s how your donation to Goodwill changes lives.” Arts for decades. Janie Cain said a $10,000 bequest will generate a $500 annual award for winners at the South Shore Salon Goodwill Retirement Living 2014 REV2.indd 1 4/23/14 11:57 AM Show, an event and tradition in Mun- 7am–10pm, 7 days 365 days a year including ALL holidays ster since 1944. ALWAYS seen by a PHYSICIAN “It’s a matter of what flips your Most major insurance, Medicare, Medicaid, cash, switch and some people give to check, credit/debit card. social services organizations, and No appointment. No hospital fees. some give to those groups and the Children & adults Illness & Injuries arts,” Cain says. “I think if someone has cared for an organization in their Occupational Medicine & Sports exams. lifetime and has been supportive of it, they should consider doing some- Serving NW Indiana since 2003 thing to help that organization after US Hwy 30 & Burr St—SE corner “Pointe” they’re gone. It certainly means the 219/769-1DOC (1362) world to us.”

SUMMER—FALL 2014 RETIREMENT LIVING 37 CHOOSE UNITED WAY AS YOUR CORPORATE PHILANTHROPIC PARTNER

WHEN YOU SUPPORT UNITED WAY, YOU GIVE YOUR COMMUNITY THE BUILDING BLOCKS FOR A GOOD LIFE

YOU IMPROVE PHYSICAL AND MENTAL HEALTH

YOU PROMOTE FINANCIAL STABILITY AND ECONOMIC INDEPENDENCE

YOU HELP CHILDREN AND YOUTH ACHIEVE THEIR POTENTIAL THROUGH EDUCATION

120 NORTHWEST INDIANA NON-PROFITS SUPPORTED

500,000 LIVES IMPACTED

Al Spajer, Retired

US Steel, Gary Works CONTACT YOUR LOCAL UNITED WAY TODAY

Lake Area United Way United Way of LaPorte County 221 W Ridge Rd 115 East 4th Street Griffith, IN 46319 Michigan City, IN 46360 (219) 923-2302 (219) 210-3534 www.lauw.org www.unitedwaylpc.org United Way of Porter County United Way of St. Joseph County 951 Eastport Centre Dr 3517 East Jefferson Blvd Valparaiso, IN 46383 South Bend, IN 46615 (219) 464-3583 (574) 232-8201 www.unitedwaypc.org www.uwsjc.com ADVICE Help for Caregivers Support and education are vital if you’re providing care for someone else.

by Rebecca Zaseck the community resources, don’t presume to be costs of services and the an expert. But, after options available to care- I working for 28 years givers. Anyone who con- in programs and services tacts the ADRC will speak with our older genera- with an “options coun- tions, I have learned a few selor.” Each counselor is things. First and foremost, specially trained, knowl- all of us can expect to feel edgeable, compassion- the impact of this experi- ate and understanding. ence called “caregiving”. It Option counselors are is a fact of life that affects prepared to discuss Medi- every socioeconomic group care, Medicaid, home care and all ages. Although most providers, home modifi- us of do not plan for this cations and repair, senior role, or discuss the issue housing options, elder with our family or friends, law attorneys, assisted chances are that caregiving living facilities, nursing will touch our lives. WHERE TO TURN Many local resources are there to help caregivers. homes, support groups There is no “one-size-fits- and more. The center is all” solution for caregiving. Families, Indiana is rich with resources. I do also the single point of entry for Indi- and the personalities within those not know all the solutions to the ana’s home and community-based families, are all unique and the end caregiving puzzle, but I am fortunate services; which includes respite ser- result is a distinct caregiving chal- to know others who do have answers vices for caregivers. To contact the lenge that is different for each and and can offer help. Many caregiv- ADRC, call 574/284-2644. every family. The traditional family ers feel that they are alone, or that Also consider turning to Alzheimer’s roles that were in place before there caregiving is a duty that should not and Dementia Services of Northern was a need to provide care continue be shared. The fact of the matter is Indiana. There is not a better-trained as each family navigates the respon- that support and education are vital or a more caring group than the staff sibilities of caregiving. to keep the caregiver strong mentally and volunteers here. They coor- The organized and strong daugh- and physically. dinate support groups throughout ter may step forward to organize the The first place to start is the Aging Northern Indiana and offer regular care for her mother, and argue with and Disability Resource Center training and education to individuals her father over the best course of (ADRC) at REAL Services. REAL Ser- and groups. Families and caregivers action. In another family, a mother vices was the pilot for the Aged and become better equipped to provide who has always been dependent Disability Resource Center model for care after learning more about the on her daughter may increase her the state of Indiana. The concept was disease, treatments and tips. There’s dependence and have high expec- initiated by the Centers for Medicare also an adult day service program tations for her working daughter. In and the Administration on Aging so Monday through Friday. To contact yet another family, the mother who that families could have one central Alzheimer’s and Dementia Services has always been independent, and place to turn to for information about of Northern Indiana, call 574/232- proud of her independence, may not long-term care. The Aging and Dis- 4121. accept help at all. To her daughter’s ability Resource Center is available to Rebecca Zaseck is president and chagrin, this mother prefers to risk anyone in Northern Indiana, regard- CEO of REAL Services Inc., and has her own safety rather than accept less of age or income. worked in the field of aging for more help from her daughter. The professionals who work in the than 30 years, in the private, public The good news is that Northern ADRC are experts who know all of and nonprofit sectors.

SUMMER—FALL 2014 RETIREMENT LIVING 39 SPORTS & FITNESS Avoiding Sports Injuries With some common sense, good equipment and sound advice, you can stay fit and active.

by Jerry Davich any well-intentioned fitness plan. paid the price by experiencing a taying active while avoiding The best way to hurdle this common chronically inflamed piriformis, pain aches, pains and sports injuries obstacle is to find a partner. “It’s in the lower back and buttocks. S can feel like straddling a dan- great for motivation and a helpful His third tip, though, is what gerous tightrope for many people safety factor, too,” says Mansfield, helped him through it: Recovery. over age 50. However, it’s a balanc- whose hospital’s sports medicine “They are called recovery days for ing act that can be done with the clinic opened in 1999. a reason, and if you are over age 50, proper gear, professional guidance Whether you’re a late-blossoming they are an absolute necessity,” he and a little common sense. beginner or thinking of ramping up suggests. “Everyone is able to accommodate a familiar exercise routine, the likeli- Dr. Shaun Kondamuri of Mid- and change to meet the demands of hood for injury increases for people west Interventional Spine Specialists physical stress through exercise, but over age 50. It’s a painful fact. in Munster routinely applauds his as we grow older, it takes longer for “After age 50, telling yourself the patients who have the right attitude muscle cells to repair themselves and old adage, ‘I’m just going to work about maintaining active lifestyles. “Even those who want to go further and participate in noncontact sports like running, bicycling, paddleball, “The most effective way to avoid most tennis or racquetball,” he says. “It is sports injuries is to slow down.” so important for them to take care of their musculoskeletal systems by —Bill Boyden of Ogden Dunes regularly stretching and performing resistance training with light weights. longer for bodies to adapt,” says Dr. through it’ simply doesn’t cut it any- Or, using resistance bands in order to Paul Sommer, owner of the Family more,” says 59-year-old Bill Boyden maintain otherwise shrinking muscle Foot and Ankle Clinic in Valparaiso. of Ogden Dunes, who has completed mass and to strengthen their bones “So start out with very little exer- eight 26.2-mile marathons since turn- to reduce the risk of osteoporosis cise or activity and then increase it ing the half-century mark. and fractures.” gradually,” says Sommer, who’s com- He’s also dealt with several activity- As we get older, regular activity peted in innumerable marathons, related injuries, aches and pains over can only be a positive—with added triathlons and ironman competitions the past decade while training and benefits of curbing depression, lone- through the years. running with his wife, Sue, who’s liness and cancer risk—while inertia Newcomers to exercise can even 56. “The body has an uncanny abil- can only be a negative, he says. start out in the comfort of their own ity to heal itself if given the proper Holly Schneider, healthy aging living room recliner before hitting set of circumstances, but the single coordinator for the Indiana State the sidewalks, streets and workout most common cause for injury of any Senior Games, says the most gyms. kind is overdoing it and ignoring the common sports or fitness injury for “You can do simple exercises in a warning signs,” Boyden says. seniors is tendonitis of the iliotibial chair and then gradually add weights “The most effective way to avoid (IT) band. It affects the outer muscles to help strengthen your muscles,” most sports injuries is to slow down. that run from your hip to knee, and says Dr. Linda Mansfield, a physi- Start slow, finish slow and take it it can sideline even the best-trained cian with Beacon Medical Group easy in between,” he insists. “The athletes of any age. Sports Medicine in South Bend. “And second tip to help avoid injury is “Some people actually train too eventually you can walk to the end to do cross-training—riding a bike, much and too hard, which causes of your driveway and back, and then swimming, yoga classes, whatever the injury,” says Schneider, whose around the block or longer.” you enjoy.” annual event attract thousands of The key is to not get intimidated, Boyden regrettably became athletes 50 and older to compete which is often the Achilles heel of “addicted” to only running and he in swimming, cycling, tennis, bowl-

40 RETIREMENT LIVING SUMMER—FALL 2014 SPORTS & FITNESS Also, your feet are what meets the earth so it’s a battle of forces, and as too many older athletes eventually learn, the earth usually wins the war. Avoiding Sports Injuries The ground transmits its forces without mercy up your spine, and always With some common sense, good equipment and through your feet. “Older muscles simply are not as sound advice, you can stay fit and active. strong as they used to be and the foot’s arch is all muscle, so proper arch supports may be necessary,” says Dr. Sommer, a podiatrist who tells his older patients to invest in

PHOTO COURTESY OF LEON’S TRIATHLON quality running shoes. “Even if you’re only walking, don’t be afraid to get a good running shoe,” he says. “Don’t let all those young runners scare you off. You have just as much right to a running shoe and they are better constructed to take a daily pounding yet provide adequate cushion and support.” A POSITIVE Regular activity has added benefits of curbing depression, loneliness and cancer risk. “You can get just as much muscu- lar and cardiovascular benefit out of ing, golf and track and field, among ert says. “Rest is important at any walking as you can by running,” he others. “It is best to stay active con- age, but more so as we become says. tinuously and don’t try to get ready seniors. The body often takes longer Arthritic knees, shin splints and for a sport without enough time to to get warmed up as we get older, plantar fasciitis in the heel are what gradually increase stamina.” and starting our workouts at a slower often derail any well-conceived George Nietert, who trains runners pace is important.” workout regimen, medical studies for Opportunity Enterprises’ mara- Dr. Mansfield suggests curbing show. thon team in Valparaiso, has helped “impact” exercises such as walking, “I tend to see a lot of focal ten- hundreds of runners over age 50. hiking and running and moving to, derness of an already arthritic joint,” “For seniors who have been run- instead, swimming, biking or using Sommer says. “In other words, the ners for decades, some have had an elliptical machine. Many of her joint is already arthritic and limited in joint replacements to be able to older patients visit her clinic to motion and, when exercise ensues, continue their passion of running. smartly “check in” before starting a it is forced to go through a range of However, there are so many senior new routine or to manage their pain. motion it cannot sustain.” runners who are able to avoid injury The most common ailment she Here are a few questions you by simply dealing with the fact their treats for active seniors is osteoar- should ask yourself before tackling bodies are slowing down due to the thritis, a chronic condition in which new activities: What is your foot aging process,” says Nietert, a senior the material that cushions the joints, type? Do you have any joint deformi- runner himself. called cartilage, breaks down. The ties, such as bunions or hammertoe, “There is no reason why active most common sports injuries, how- which get worse with age? Do you people can’t keep running or keep ever, begin with the feet, which can have adult onset diabetes? Have you other exercise regimens in place to take a beating without appropriate had past injuries that will make you enhance their total health as they support. These injuries also mask vulnerable to re-injury? age,” he adds. other problems running along the “All these questions should be Mature athletes need to listen more spine and back. answered in order to have better suc- astutely to their bodies without stop- “The nerves that supply the foot cess,” Sommer says. ping all activity altogether. Again, it’s exit the spine in the lower back. And As we age, more attention should a balancing act of physical motion we all know that seniors can have be paid to regular weight training, versus mental emotion. lower back problems,” Dr. Sommer studies show. “There is no need to push to the says. “If you are feeling problems in “It does not have to be excessive or point where we know our body is your foot, it takes a trained eye to heavy weightlifting, but we could try ailing and we do a workout simply make sure it is not actually coming to do some weightlifting exercises two because it is on our schedule,” Niet- from your back.” to three times a week,” Nietert says.

SUMMER—FALL 2014 RETIREMENT LIVING 41 Stretching also is important to Boyden and his wife, Sue, have tion and senior-friendly service at maintain flexibility and reduce the switched to the Galloway system of no cost to the member above their risk of injury. It’s best to stretch when marathon training, consisting of rig- monthly health insurance. (For more your muscles and joints are warmed idly timed running and walking. By info, visit silversneakers.com or call up. Never stretch cold, experts warn. doing so, they both recorded their 888/423-4632.) “Yoga provides great benefits and best finish times while completing It’s proven that regular exercise I have noticed many seniors taking three consecutive marathons just for older adults not only improves yoga classes together so they feel three weeks apart. “The Galloway strength, endurance and flexibility, more comfortable with others of system helps your body become but it also curbs illness, depression that age range,” Nietert says. “The accustomed to being out there on and loneliness. idea is to try new things and utilize your feet longer and promotes itself “My lower back pains and sore most of the muscle groups in your as the path to injury free running,” knees became much less fre- body rather than overusing just a few Boyden says. “The duration time you quent. Plus, my high blood pres- muscle groups.” spend on the route is just as impor- sure improved,” says Boyden, who Too many novices rush a work- tant as the finish time.” consistently hears over-exercised out to “get it over with,” which often For anyone seeking membership excuses from other seniors. leads to a variety of injuries because into group activities, Silver Sneakers “Oh, I can’t walk or jog because it overloads their body too quickly. is one of the leading exercise proof my knees,’ they tell me. I usually “It’s smarter to use a schedule that grams in this country for active older don’t respond but what I am think- allows gradual progression,” Nietert adults. Founded in 1992, it’s now in ing is, ‘If you only knew that by get- says. more than 10,000 locations, includ- ting out there and moving you could If you’re already experiencing pain, ing several locations in Northwest gradually build a better knee and feel doctors typically prescribe reducing Indiana, from LaPorte to Merrillville. infinitely better in the process.’” your activities, physical therapy ses- The program includes unlimited Instead of running headfirst into all sions and muscle-strengthening exer- access to any fitness center in a com- that drama, he routinely goes for a cises. prehensive network chosen for loca- walk or jog.

GET IN THE GAME!

The National Senior Games is the largest multi-sport event in the world for people age 50 and over. It is a biennial event and Senior Athletes must qualify in one of 51 sanctioned events in even numbered years. The Indiana State Games are held in Evansville each May. While Indiana's qualifying games are over, people can still compete to qualify for 2015 by participating in other state games still being hosted this summer and fall. If you are interested in learning more about qualifying and competing in one of 19 national medal sports in next year's games in Minnesota, please visit the State Information Page at our website. Learn more about The National Senior Games, our senior health and wellness mission, and find inspiring athlete stories at www.NSGA.com.

42 RETIREMENT LIVING SUMMER—FALL 2014 continued from page 9 Book of Mormon” Sunday, June propels this enchanting tale of love, 22, 6:30 p.m. 502 N. New Jersey laughter and friendship, and every St., Indianapolis. “The Book of night everyone’s having the time of Mormon” is a religious satire musical their lives. Clowes Memorial Hall is with book, lyrics and music by Trey at 4602 Sunset Ave. on the Butler Parker, Robert Lopez and Matt Stone. University campus. For more infor- They’re best known for creating the mation call 800/793-7469. animated comedy “South Park.” For Michigan City—Shady Creek more information call 317/231-0000. Winery wine tasting. Do you have Indianapolis—“Red” by John an unabashed love of the grape? “HEY SOUL SISTER” Playing hits this Logan will be staged October 14 You’re definitely not alone. Check July at Four Winds Casino will be the Grammy-winning Train. through November 9. It’s 1958 and out Shady Creek Winery, noon to 6 abstract expressionist painter Mark p.m. Wednesday through Friday; 11 stage or you’ve seen it before and Rothko had just landed the biggest a.m. to 6 p.m. Saturday; and noon to want to recapture the magic, “Chi- commission in the history of modern 5 p.m. Sunday. There is live music cago” always delivers. Tickets are art. With the help of his assistant, on Sundays. Shady Creek Winery $17, $26, $38 and $68 and are on sale Rothko frantically struggles against is at 2030 Tryon Road in Michigan at the Morris Box Office, by phone his insecurities while trying to create City. For more information email at 574/235-9190 or 800/537-6415, or a definitive and moving body of [email protected] or call online at www.MorrisCenter.org. work. Electrifying and captivating, 219/874-9463. Michigan—Bed and breakfast this winner of the Drama Desk Award South Bend—“Chicago” plays and wine tastings. Just six miles and Tony for best play investigates October 17-18. The play has every- from Allegan, Michigan, Castle in the the conflicts inherent in the tension thing that makes Broadway great: a Country is a bed and breakfast inn between a great artist’s desire to be universal tale of fame, fortune and in southwest Michigan. Here, you’ll understood and respected. “Red” all that jazz; one show-stopping song find accommodations on a 65-acre will be at the Indiana Repertory The- after another; and the most aston- country estate with wedding, spa atre, 140 W. Washington St. in India- ishing dancing. “Chicago” has been and wine tour packages. With your napolis. For more information call honored with six Tony Awards, two stay, you receive two free glasses of 317/635-5252. Olivier Awards, a Grammy and thou- wine at nearby Fenn Valley Winery. Indianapolis—“Mama Mia,” the sands of standing ovations. Whether There is a romantic tour of the Castle longtime running play, will be at you’re looking for your first Broad- in the Country kingdom as well as Clowes Memorial Hall in India- way musical experience, have seen hiking, and in the colder months, napolis October 3-5. The storytell- the Academy Award-winning film cross-country skiing and snowshoe- ing magic of Abba’s timeless songs and want to see the show live on ing trails. For more information, call 888/673-8054. Hammond Horseshoe—See side-splitting comedian Jeff Dunham at The Venue at Horseshoe Casino in Hammond. His television spe- cials and series have been the highest-rated programming in Comedy Central history, his DVD sales have reached seven million units, and his live concerts have become mega- events played in front of sold- out arenas worldwide. Today, Jeff Dunham is a phenomenally successful global entertainment brand. Tick- ets start at $59. The show will be at 8 p.m. Saturday, September 27 at the casino. The Horseshoe is at Casino Center Drive in Hammond. For more information call 866/711-SHOE. Do you have an event you want published in this magazine? Please WORLD’S LARGEST FOOD FESTIVAL Enjoy a wide range of delicious eats, email events to Jane Bokun at drinks and entertainment at Taste of Chicago in mid-July in Grant Park. [email protected].

SUMMER—FALL 2014 RETIREMENT LIVING 43 ADULT ENTREPRENEURS Reinventing Careers More seniors are spurning retirement and building brand-new careers, often through business startups and new products.

by Jerry Davich hopefully, interesting work. It’s all lege to be its office manager. But he t an age when most veteran about growth, just like my trees,” says knew he needed a full-term college workers are eyeing retire- Davies, who returned to this region degree so he left his small hometown A ment and ramping down a quarter century ago to manage his to slay bigger dragons. their office duties, more seniors than family’s 47-acre walnut tree planta- Starting during the Eisenhower ever are reinventing themselves. Not tion at Bryn Awelon Farm. administration, he worked for Borg only to stay employed in an ageless Just as the family’s walnut grove Warner Corp. and International Har- global workforce, but also to remain needed his pruning and nurturing vester in labor relations, but some- vibrant, productive and in demand. skills to thrive, so has Northwest thing was missing. “I didn’t have Call them 21st century innovators. Indiana since he replanted himself the sense of accomplishment that I Call them 20th century survivors. in Valparaiso. The U.S. Marine vet- thought I’d have,” he recalls. Call them the new face of mature eran, who proudly describes himself So he returned to graduate school, entrepreneurs. Collectively, they’ve as a “product of Northwest Indi- earned a master’s degree and went learned how to transform their old- ana,” would be hard-pressed to pick into health care as an administrator— school careers by remembering the which he loves more—this region or first, at Memorial Hospital of South three R’s: Relearning new skills, his beloved walnut trees. Bend, then as CEO of Huntington recharging young spirits and reno- Davies is a former journalist, mar- Memorial Hospital, LaPorte Regional vating identities. keting guru and public relations spe- Health System and Columbus Com- “Necessity is the mother of inven- cialist who once worked nights at munity Hospital. tion,” quips John Davies, who has Walmart to provide for his family. He Through the years, public service masterly navigated through five has since shopped his clever ideas to kept flirting with him and, in 2003, major career changes in his profes- make a name for himself, including it whispered again into his bent ear. sional life. “In my journey of discov- the reintroduction of the South Shore The next year, he became mayor of ery, I’ve had to learn how to adapt Line poster campaign in 1996, the LaPorte, where he’s lived since the and improvise while overcoming Wall of Legends Project in 2003, and late ’70s. adversity.” the Society of Innovators of North- “I had concerns about the future Davies can be the poster child for west Indiana. of my little town,” explains Morris, this rising trend among seasoned “Through my reinventions, I who is married to wife Marsha and business professionals, and not only always considered myself a cham- has two adult kids and two grand- because of his brainchild inven- pion for this region,” he says. “And children. tion—the Society of Innovators of I’ve always been fortunate enough to He served in office until 2007 Northwest Indiana at Ivy Tech Com- have a job and a career I enjoy.” before being asked by then Indi- munity College. The consummate Leigh Morris echoes what Davies is ana Gov. Mitch Daniels to serve executive has had more incarnations exemplifying. The longtime LaPorte as executive director for the Indi- than a smartphone, more titles than resident (and former mayor) has gone ana Toll Road Oversight Board and a bookstore and more ideas than a from a career in retail to manufactur- Northwest Indiana Regional Devel- Washington, D.C., think-tank. ing to health care to public service. opment Authority. He later became “When you have passion for the Not to mention his military service, senior vice president for the north- world around you, it’s easier to find college years and graduate school west region of the Indiana Economic new tools for new careers,” says stint along the way. “Some jobs I’ve Development Corp. Davies, managing director of the found and others have found me,” Today, he is interim president for Gerald I. Lamkin Innovation & Entre- says Morris, whose jam-packed cur- the Legacy Foundation, an adjunct preneurship Center at Ivy Tech Com- riculum vitae has more pages than a professor at Valparaiso University munity College Northwest, which business textbook. and a consultant at Indiana Univer- sponsors the society. Morris started working at age 12 sity Health LaPorte Hospital. “I realized long ago that I had the in a hardware store in Hartford City, “I enjoy learning new skills and ability to harness my skills to create, and he returned after community col- reinventing myself. And I’m not done PETE DOHERTY PETE 44 RETIREMENT LIVING SUMMER—FALL 2014 ADULT ENTREPRENEURS Reinventing Careers More seniors are spurning retirement and building brand-new careers, often through business startups and new products.

ADAPTING AND IMPROVISING John Davies, managing director of the Gerald I. Lamkin Innovation & Entrepreneurship Center at Ivy Tech Community College Northwest, has reinvented his career on multiple occasions.

SUMMER—FALL 2014 RETIREMENT LIVING 45 yet,” Morris says matter- and came up with Nana’s made business entrepreneur who is of-factly. “I probably Sweets,” she says. “It’s in the process of reinventing him- have another chapter in relaxing, rewarding and self after inventing a product called me.” I’m able to tap into my the Herbal Soak Swirl & Soothe. The Unlike Davies and skills and talents.” 57-year-old union millwright from Morris, Jennifer Lovette- This is a familiar recipe Hobart has built a prototype to soak Cephus started her latest for seniors who have rein- hands that suffer from trauma, sore- career from scratch by vented themselves, even ness or arthritis. opening Nana’s Sweets after being blindsided by “I had this idea for about five years Bakery. “Everything I previous employers. and I finally decided to go for it since bake is from scratch,” says the Ham- “You have to tap into your nothing appeared on the market mond woman, who was laid off from resources and that’s exactly what I and my hands were not getting any her job as a union carpenter in 2009 did,” she says. “I couldn’t find a job better. I arrived at it by needing it for after 25 years on the job. so this seemed like the best option myself after working with my hands A year later, while in her 60s, the for me. Also, female carpenters are my whole life. I was also tired of unemployed mother of four set up more into detailed work and I’m now being greasy and dirty,” says Flem- shop in a rented commercial kitchen using that skill, too, for my bakery ing, a former superintendent for a to whip up her newest profession. At goods.” company that rebuilt turbines. NanasSweetsBakery.com, customers Lovette-Cephus, who delivers all of “I have rebuilt all of NIPSCO’s tur- can order pecan baby cakes, pine- her bakery items to customers (prices bines twice and just about every tur- apple cheesecake, cinnamon delight include delivery), also invented an bine on the lake from Michigan City cookies, apple dumplings, wedding insulated cake cover to protect wed- to Oak Creek, Wisconsin.” cakes and much more. ding cakes from heat and humidity. After searching for something other “My grandkids have always called “I’m working to get it patented and than a large bowl or kitchen sink to me Nana and I’ve always loved to create a prototype,” she says. soak his hands in Epsom salts, and bake sweets, so I put the two together Jerome Fleming is another self- coming up empty, he stumbled

Helping small business succeed. It’s what we do. BE A PART OF IT. Visit SCORE at score.org and discover a wealth of resources, templates, articles and webinars, and connect with a SCORE mentor online to see how they can help your business! 46 RETIREMENT LIVING SUMMER—FALL 2014 across an entire line of herbs to help wasn’t in my plans but it’s working ventions part of a master plan from sooth chronic ailments of hands and out.” decades ago? feet. This same mantra is echoed by “Oh, no, no, no,” he says with a “I had a patent search done and Morris, Lovette-Cephus, Fleming, modest chuckle. “I saw each one as found nothing, so I sat down and and Davies, who once served as a challenge, and I still do.” designed the Soak Swirl & Soothe,” director of communication for the The number of full-time, year- he says. Cotton Board. He has since reaped round workers age 65 and older has He has hired a company to engi- the newfound benefits that he sowed jumped from 1.3 million in 1992 to neer his creation for production, as a younger worker. more than 4.3 million today, accord- designing its dimensions for tool- Were any of his professional rein- ing to U.S. Census Bureau data. ing. The father of three’s next step is finding investors, considering he’s already spent $35,000 on his latest brainchild. “I’m still happy and excited about my new business. It will be well Success in Succession worth it in the long run and I will be helping millions of people to bring relief to their hands.” Planning Patrick Truax sought relief of any kind after being fired from his factory job at Anco wiper blades and being Succession Planning diagnosed with cancer in the same year, 2009. “It was a rough year,” says Truax, a five-year cancer survivor. “I couldn’t For decades, families across the region get a job anywhere. I was either have relied on Hoeppner Wagner and underqualified or overqualified.” Evans for their Wealth, Tax, and While working at a gas station, Succession Planning. We have assisted Truax was disappointed he couldn’t clients to preserve their family farms and find a grilled hot dog in his city. businesses, navigate complex planning In 2012, he opened Valpo Viennas opportunities related to death tax in downtown Valparaiso at age 54. Since then, he hasn’t even glanced avoidance, protect spendthrifts, provide in his life’s rearview mirror, instead for children with special needs, and choosing to look ahead through the achieve client goals with individual windshield of his new identity. solutions customized for their needs. On a warm day in early April, Our services include: Truax hustled alone inside his eatery, n Wills n Standby Guardianship waiting on a long line of customers. Finally, one of his employees showed n Revocable Trusts Declarations up to help. “Start taking orders,” he n Irrevocable Trusts n Funeral Directives told the young worker. n Charitable Trusts n Probate Administration Truax stopped taking orders from n Trust Administration a boss two years ago and, though his n Non-Probate Transfer Documents business is still relatively new, he’s n Powers of Attorney for Finances n Guardianship proud of reinventing himself. n Powers of Attorney for Healthcare Administration “I never worked in a restaurant n Contested Matters before,” he explains after serving n Living Wills those customers. “I had to learn n HIPAA Authorizations everything firsthand as I went along. Valparaiso (219) 464-4961 I learned a lot about the business Merrillville (219) 769-6552 and a lot about myself.” www.hwelaw.com Did he ever dream he’d be selling hot dogs, homemade chili and Hoeppner Wagner & Evans – We Care About Your Business “roundabout” potato chips in his mid-50s? “Not at all,” he says. “This

SUMMER—FALL 2014 RETIREMENT LIVING 47 VOLUNTEER CORNER Honor Flight Volunteers arrange daylong Washington trips to celebrate the lives and contributions of veterans.

by Nancy Henke-Konopasek n 1943, Highland, Indiana resident, R. Paul Joyce answered his I country’s call to serve in World PHOTO COURTESY PETE STENBERG PHOTOGRAPHY War II. At the age of 19, Joyce joined the Cadet Program of the Army Air Force. Paul served as a radio operator and gunner aboard the B-17 Flying Fortress with the 8th Air Force 384th Bomb Group, flying missions out of England. Fortunately, Joyce and his crew successfully completed their mis- HONORED Along with fellow World War II veterans, R. Paul Joyce (center) of Highland sions and made it back home. Joyce salutes at the World War II Memorial during his day of honor with Honor Flight Chicago. then quietly, settled back into civilian early in the morning, when the veter- long time coming. It gave me a spe- life, pursuing a career as an electri- ans arrive at Midway Airport. As the cial closure to that part of my life,” cal engineer and raising a family of veterans are checked in, they meet Joyce comments. “This is one of the four children with his wife, Betty their guardians. Guardians are usually best-run programs around. Every- Lou. Unfortunately, Joyce and other volunteers who are members of the thing was perfect!” World War II veterans never received military, doctors or nurses. The vet- Honor Flight is currently flying the welcome home they deserved all erans enjoy breakfast while singers only World War II veterans, but is those years ago. Then, Honor Flight entertain them with 1940s-era songs. accepting applications from Korean Chicago changed all that. Once the veterans arrive in Wash- and Vietnam War veterans for future Recently, Joyce applied for and ington, D.C., they are welcomed and flights. Once all interested World War received his “marching orders” to board four luxury tour buses to visit II veterans have participated, Honor board another plane. Instead of the World War II Memorial, Arling- Flight will begin flying Korean War Europe, this plane was bound for ton National Cemetery, the Air Force veterans to Washington, D.C., fol- Washington, D.C. Instead of being Memorial, the Lincoln Memorial and lowed by Vietnam veterans. shot at with weapons, Joyce and other sites, as time and weather allow. Honor Flight relies on volunteers the dozens of other World War II At the World War II Memorial, there who work to raise money for the veterans, ranging in age from 83 to is a meaningful service and a group flights, provide veteran outreach, 102, were the targets of well-wishers picture is taken. Each veteran is pro- community and school education, shooting photos of these American vided with a wheelchair to use if he public relations and logistical sup- heroes as they participated in their or she chooses. At the end of the day, port. Honor Flight invites volunteers day of honor and returned to the the veterans have dinner at Dulles to help in their mission. Every World crowds of grateful citizens, young Airport and enjoy more World War War II veteran in Chicagoland is and old, who crowded into the bag- II-style entertainment before board- invited to apply to travel with Honor gage claim area of Midway Airport to ing the plane for their return flight to Flight to Washington, D.C. If you give these heroes their well-deserved, Midway Airport in Chicago. Once in are a World War II veteran, or know long overdue, welcome home. flight, the veterans have “mail call.” someone who is, contact Honor Honor Flight Chicago, founded in When the plane has landed, they are Flight Chicago at honorflightchicago. 2008, recognizes World War II veter- greeted by thousands of people, who org or request an application at: ans from Chicagoland and Northwest have come to welcome them home. Honor Flight Chicago Indiana, by flying them to Washington, Bands are playing, flags are waving, Attn: Veteran Application D.C., for an all-expense-paid day of and hundreds of posters proclaim 938 W. Montana St. honor, remembrance and celebration. the arrival of the heroes. Chicago, Illinois 60614 A typical Honor Flight day begins “It is truly a day of honor. It was a 773/227-8387

48 RETIREMENT LIVING SUMMER—FALL 2014 VOLUNTEER CORNER PASS ON Honor Flight YOUR Volunteers arrange daylong Washington trips VALUES to celebrate the lives and contributions of veterans.

PLAN AHEAD

“I wish we had known years ago how easy it would be to build funds for retirement and help protect the natural world.” – Bob Summers

Our gift planners can work with you to plan for your future and create a sustainable world for generations to come. Contact us to learn how creating a donor advised fund, establishing a life-income gift such as a charitable remainder trust, or making a gift of real estate can benefit both you and the lands and waters you love.

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