Tag Archives: Kentucky

COVID-19 as a Graduating College Senior

Former Extol photographer – and college student – Evan Rivard shares his thoughts on this

When I experienced my first Indiana University commencement ceremony, I was
searching for my sister in a sea of caps and gowns
throughout Memorial Stadium. Since my own time at Indiana University, I have envisioned myself in her shoes preparing to take steps toward a new beginning.The importance of this ceremony is recognized by many as it honors the efforts and achievements of college graduates and opens the door to their future lives. In the context of the current state of
the world, however, commencement seems to be the least of our concerns. As I write this, the
COVID-19 pandemic has affected many, both at home and across the globe.

More than 140,000+ Americans have died after contracting the virus, in addition to leaving tens of millions unemployed. Concurrently, our country is experiencing a call-to-action for racial justice. Protests have taken the forefront of our attention.
These current crises are difficult to process, as the combination of a global pandemic and nationwide protests are unprecedented in recent history. Remaining proactive in the midst of these current events has proven to be a challenge, as so many aspects of what we consider “normal” have been suspended indefinitely.

On the other hand, many have shown great resolve and adaptability in their efforts to maintain certain aspects of our lives.

Indiana University has done a great job in transitioning to online classes to accommodate students academically. This was implemented in the spring semester and extended into the summer term. After finishing my spring semester, I am in the process of completing my final two courses. One of these includes advanced career development,  serving as a substitute for an internship due to limitations in work and interactions from potential COVID-19 exposure. In this course, I will obtain essential UITS certifications in web design, web creation, Access, and Excel through IU. Additionally, the class emphasizes preparation and acclimation for a novel time to enter the job market.

My other online class, employee recruitment and selection in the public sector, is a valuable course to be taking with regard to these current times. I have made the decision to use my free time to work as a Door Dash delivery driver. Not only am I able to meet the current demand for restaurant delivery due to social distancing, but it also gives me the ability to work and make money in a flexible way.

I believe that our country, in addition to the world, faces a critical moment that will be written into history books for many years to come. The response to these pertinent events, whether they are perceived as positive or negative, should be of importance to everyone. This extends to responsibilities like voting, activism, and action that reflect the significance of both the voice of an individual and combined effectiveness. What is today known as “The Greatest Generation” began with the Great Depression, then, followed by Roosevelt’s massive reforms in the New Deal, and World War II. Confronting and surpassing challenges is not something new for this country as it writes our history and establishes the resilience we see today. The struggles we are faced with today in 2020, especially as graduates, should not be understated. Generation Z is comprised of the children who experienced 9/11, witnessed endless wars, countless school shootings, police brutality, and are now entering the labor force during a global health crisis. I believe that this is a vital point in time as we, the leaders of tomorrow, show our strength and resilience in response to these challenging circumstances, ultimately Extol+Summer+2020_Page_19_Image_0002shaping the future.

Photos and Text by Evan Rivard

Setting The Standard

New Albany restaurant changes concept in light of COVID-19

There are a lot of potential disasters for which
restaurant owners can anticipate and prepare. A
global pandemic was never one of them.
Beau Kerley and Tim Smith have not come
through this worldwide storm without a few
scratches. That’s why they are changing the business
concept for their restaurant, The Standard Plate &
Pour, 207 E. Main St., in New Albany.
While the veteran restaurateurs haven’t dealt
with a massive shutdown like this before, they’ve
managed to keep several restaurants running and
the others are nearly back to their regular business.
But The Standard is now switching to a facility
that will only be open for private events, including
rentals and special functions put on by the company.
“We’re going to be closed except for private(rentals). We’re going to be doing wedding
rehearsals and business meetings and just every
private event we can do,” Kerley said. “We’re also
going to be putting on our own private events like
bourbon dinners or wine dinners. Against the Grain
breweries are going to be doing a takeover of our
patio, and we’re gonna have a band out there one
night in August.”Extol+Summer+2020_Page_23_Image_0001
While most businesses have struggled through
the pandemic, the restaurant industry has been
hit especially hard, with an estimated $145
billion shortfall during the first four months of
the COVID-19 shutdown in the United States,
according to the National Restaurant Association.
June showed the highest monthly sales volume since
March but still remained about $18 billion down
from the pre-coronavirus sales levels in January
and February, the association said in mid-July.
The Standard felt it, too. “There was a little period
of time we saw a little bit of an uptick (in business)
there,” Kerley said. “We opened, and at first it
was really slow. Then, we saw a little uptick and
thought, ‘OK, well then, we’re gonna go here and
do something,’ but it just never really continued.
The margins in restaurants are so small, it just
doesn’t make sense.”Extol+Summer+2020_Page_23_Image_0002
The pair have worked together for about 11 years,
starting at Bluegrass Brewing Company (Kerley is
still a partner at BBC) and then went to Crescent Hill
Craft House in Louisville, but decided they wanted
to strike out on their own. So, a few years ago they
started 812 Pizza Company in Georgetown. The
two also own Dos Gringos and the Early Edition
in Jeffersonville, and they opened The Standard about a year ago.
“Owning multiple restaurants, each restaurant
has had its own challenges. The Standard’s been
tough. It’s a nighttime, date-night market to begin
with. And that’s one thing that we’ve found is that
date-night places have kind of been left out. At 812
Pizza Company, which is a family-style place that
delivers, our business has been doing really well
there. It came back really quick. But as to places
that are the nicer places, that still hasn’t come
back,” Kerley said in early July.
Kerley said he understands why business was
so slow. People are still unsure of their financial
future and aren’t splurging on evenings out. So,
places that, “you go for a nice evening and a nice
meal and a bottle of wine, they’re struggling a little
more, I think,” Kerley said.
Though The Standard is popular, translating that
to dollars is different. “The interesting thing about
The Standard is that it’s one of our best-reviewed
restaurants,” Kerley said. “I have people call me all
the time and tell me how great of a time they had
there and how much they love their food, their
experience, the service. But it’s just, you love it
but you just don’t go there very often, you know?
That’s kind of weird: I have restaurants that do a
lot more business and aren’t as well-reviewed.”
The change in concept helps the restaurant focus
on the needs of the community without having to
gamble on when customers will come in, potentially
wasting costs. The menu will be based on the
evening’s events, but many of The Standard’s most
popular dishes will be incorporated, and the focus
on Southern cuisine will stay, Kerley said. There
won’t be a room fee, but there will be minimums
and several tiers of catering options.
“We’re gonna be booking our own band nights,
and we’re going to do dinner and a show, dinner
and music and maybe things like that,” he said. They
will sell tickets and take reservations for the special
events. “But we’re going to have more control over
it and make it more of a special thing, and know
exactly how many people are going to be there as
opposed to just being hopeful that people come
in. We’re going to try to take a negative and turn
it into a positive.”
The Standard’s fun patio will also be available, he
said. “When we look at what our strength is there,
which separates us from other places, we have a
really nice patio,” Kerley said. “We’re trying to use
that strength and invest more in stuff that makes that
more accessible and more of a more of a spotlight. Extol+Summer+2020_Page_22_Image_0001”The shift means a tighter focus on offerings,
but no loss of jobs. “Luckily, we have five or six restaurants, so all of our employees are going to be employed. A lot of them are going to go work at Tucker’s, and a few of them are going to go work at Dos Gringos, because we just redid Tucker’s so we needed the staff anyway” Kerley said. “So this was
good timing. We’re going to be able to offer all of
our employees, you know, full-time employment
in other places, so it works out.”
During the days of the full shutdown, The Standard
was completely closed because “Downtown New
Albany was a ghost town,” Kerley said. But carryout
and delivery sales actually increased at the pair’s
other restaurants, especially at 812 Pizza. Now
all of Kerley and Smith’s other restaurants are
available for carry-out and curbside service, as
well as free delivery.
Now that their other restaurants are open, they’ve
seen a 5 to 10 percent increase in carryout sales. “I
think there’s gonna be a lot of people who aren’t
going to be comfortable (coming inside yet),” Kerley
said in July. “People who still have illnesses that
keep them from going outside right now, you know,
there’s a high likelihood to (contract the virus).”
Kerley and Smith are optimistic and thankful
for the community’s support. “We love our rapport
we’re getting from everybody locally, and we hope
people continue to come out to local businesses
and help us out,” Kerley said. “We appreciate all
the support we’ve gotten from people. Just people
supporting us is such a huge deal, and we want to thank everybody.”
But don’t expect the pair to give in to economic
uncertainty anytime soon.
“We’re not quitters: We’re not giving up, and we
still think the place is awesome. We’re just gonna
try to shape it into what people want it to be,” Kerley
said. “Instead of forcing what we think should
be or what we want it to be, we’re gonna kind of
listen to our guests and try to make it something
that they want it to be, and make it where it can
be successful.”

“We love our rapport we’re getting from everybody locally, and we hope people continue to come out.” –Beau Kerley

The Standard Plate & Pour

207 E. Main St.

New Albany

(812) 590-1055

Facebook = @NewAlbanyStandard

The Perfect Pairing: French Lick Winery & Spirits of French Lick

Forget a staycation. Visit Southern Indiana’s perfect pairing, the French Lick Winery and enjoy the spirits of its adjacent distillery, and you’ll be transported to a heavenly locale that feels otherworldly.

Extol’s Must-Savor Summer Spot, the winery offers guests the opportunity
to sample the libations, enjoy a glass – or a bottle – on the patio or in The
Vintage Café, or purchase what you desire for a picnic or gathering. Café fare
is fresh and exquisite. The pizza dough is crafted from a more than 100-year old
recipe straight from Naples, Italy, and the staff makes everything with
the utmost attention – from croutons to meatballs. There are vegetarian and
gluten free options (including cracker, bread and pizza!), too. Menu items
include a divine Charcuterie Board, meatballs, and other starters; pizzas
of all varieties; pastas (vegetarian and gluten free options); salads; a kids
menu (Pizza Taco with a side of grapes, anyone?); gourmet coffees; and a
decadent dessert list, too.
Prefer to try Spirits of French Lick? Try the first Bottle In Bond release,
The Mattie Gladden High Rye Bourbon now available in the tasting room
and gift shop (distribution coming soon).

Take A Trip: French Lick Winery Ready to visit? The Vintage Café restaurant and tasting bar are open. French Lick Winery 8145 W. Sinclair St. West Baden (812) 936-2293 FrenchLickWinery.com @frenchlickwinery Spirits of French Lick SpiritsOfFrenchLick.com @spiritsoffrenchlick

Take A Trip:
French Lick Winery
Ready to visit? The Vintage Café
restaurant and tasting bar are open.
French Lick Winery
8145 W. Sinclair St.
West Baden
(812) 936-2293
Spirits of French Lick















Art of the Run

With JD Dotson

JD Dotson, our resident explorer, has shared his love of running and photography with Extol readers since we started in 2015. We always send him out
‘n’ about in Southern Indiana – for obvious reasons – but this time, we asked him to cross the mighty Ohio and head into Louisville with one main goal:
Capture the public art while on a run through the River City.
When he catches his breath, we’ll send JD on his next exploration. If you want him to come toyour city, send an email to extol@extolmag.com.Extol+Summer+2020_Page_34_Image_0001Extol+Summer+2020_Page_34_Image_0002Extol+Summer+2020_Page_34_Image_0003Extol+Summer+2020_Page_34_Image_0004Extol+Summer+2020_Page_34_Image_0005Extol+Summer+2020_Page_35_Image_0001Extol+Summer+2020_Page_35_Image_0002Extol+Summer+2020_Page_35_Image_0004Extol+Summer+2020_Page_35_Image_0005Extol+Summer+2020_Page_35_Image_0006Extol+Summer+2020_Page_36_Image_0001Extol+Summer+2020_Page_36_Image_0002Extol+Summer+2020_Page_36_Image_0003Extol+Summer+2020_Page_36_Image_0004Extol+Summer+2020_Page_36_Image_0005Extol+Summer+2020_Page_36_Image_0006Extol+Summer+2020_Page_37_Image_0001Extol+Summer+2020_Page_37_Image_0002Extol+Summer+2020_Page_37_Image_0003Extol+Summer+2020_Page_37_Image_0004Extol+Summer+2020_Page_37_Image_0005Extol+Summer+2020_Page_38_Image_0002Extol+Summer+2020_Page_38_Image_0003Extol+Summer+2020_Page_39_Image_0002Extol+Summer+2020_Page_39_Image_0003Extol+Summer+2020_Page_40_Image_0001Extol+Summer+2020_Page_40_Image_0003Extol+Summer+2020_Page_40_Image_0004Extol+Summer+2020_Page_40_Image_0005Extol+Summer+2020_Page_40_Image_0006Extol+Summer+2020_Page_40_Image_0002

Love Bling? We Do.

Pick your pleasure at our favorite jewelry shop, the family-owned Koerber’s that has been a part of our community for more than three decades

If there’s one thing this pandemic has taught us it’s hold tightly to those you love. Speaking of which, we’re in love with these beautiful baubles, which are merely a glimpse of what Koerber’s Fine Jewelry has to offer. Even though nuptial planning may look a tad different right now, choosing a unique symbol of a new union remains a constant. Stay tuned for our annual Extol Weddings issue, out in August, but in the meantime, enjoy these gems from Koerber’s.


3095 Blackiston Mill Road New Albany

(812) 945-5959



Are you a soon-to-be bride or groom? Or, did you wed in the past year? If so, and you want your engagement or wedding to be featured in Extol Weddings, send an email to  extolmag.com   Extol+Summer+2020_Page_43_Image_0007Extol+Summer+2020_Page_43_Image_0006Extol+Summer+2020_Page_43_Image_0005Extol+Summer+2020_Page_43_Image_0004Extol+Summer+2020_Page_43_Image_0002Extol+Summer+2020_Page_43_Image_0001

Scottsburg Splendor

Elegant abode boasts modern amenities, stunning view

Nestled on 10 breathtaking acres in Scott County, the home at 1501 E. Marshfield Road
offers elegance with a memorable view, regardless of the time of year.
The stunning 8,148 square foot home is located in a beautiful setting that features a pond out front, forest out back and a gigantic pole barn
with lean-tos on either side.
Space and modern amenities flourish in this residence that boasts five bedrooms, including a first floor master room with porch access and
oversized rooms with spacious closets that lend lots of space for storage, as well as five bathrooms, all with ample space to relax and unwind. The main kitchen features an open plan, granite countertop and floor to ceiling cabinets. There also I a second kitchen with a bar located in the basement. Movie buffs – or anyone who appreciates a bit of downtime watching television or favorite streaming services – will love the expansive theater room upstairs.
This Scott County gem is a must-see.Extol+Summer+2020_Page_51_Image_0001Extol+Summer+2020_Page_51_Image_0002Extol+Summer+2020_Page_51_Image_0003Extol+Summer+2020_Page_52_Image_0001Extol+Summer+2020_Page_52_Image_0002Extol+Summer+2020_Page_52_Image_0003

Interested in this gorgeous Scott County
home? Contact Alicia Powell with Homes
with Hogue Team at Lopp Real Estate.
1501 E. Marshfield Road
(502) 548-5842

Fiduciary Finesse

Weathering 2020 with Axiom Financial Strategies Group
By Laura Ross

In these times of uncertainty, rapidly changing job situations, and the COVID-19 health crisis, we find our lives changing almost daily. How do you
possibly plan for your family’s financial future? It can be an overwhelming thought, and one you might shove on a shelf for a later day. Not so fast, says Axiom Financial Strategies Group’s founder and partner Vaughan Scott. He says now is the perfect time to plan for financial security. “Ask yourself, do you have a plan?” Scott says, “Do you have faith in that plan? If you don’t, then you better talk to someone with expertise.” Long-term financial planning not only gives you peace of mind, it also helps weather financial
storms like the one we find ourselves in right now. “The general pendulum swings between irrational exuberance and panic,” explains Scott. “The reality is you must have objective data to make informed decisions, and that’s what these plans do. (At Axiom Financial Services) we have ways to reduce the risk. The corrections that occur let us do major repositioning, but it’s always based on a client’s needs or goals. We try to provide as many solutions as possible.” New Albany’s Axiom Financial Strategies Group, led by Scott and his business partner, Mike Grau, has served Southern Indiana, Kentucky, and beyond since 2009. After a long stretch underthe Wells Fargo umbrella, the firm recently began
registered independent investment advisory operations focused on growth, service, integrity,
accountability, and innovation. Scott, a Southern Indiana native and Indiana University graduate, got the bug to help others build wealth by emulating his mom, who was a financial planner throughout the 1980s. “When I got out of college, the person who hired my mom suggested I get some real-world experience,” Scott says. He started working in the business with UBS in 1999 and worked with a team that included Gloria Bommarrito and Abby Wolfe, investment advisors who are still critical leaders of the Axiom team today. “Gloria and I split off to join Smith Barney in partnership with Your Community Bank (YCB) to take over YCB’s investment and trust operations in 2003,” says Scott. “She and I started with a fax machine and a couple computers,” he laughs. When work increased and they needed assistance, Scott asked Smith Barney for help finding someone who had an excellent planning background and was introduced to Mike Grau in 2003. “We built what became our Axiom team in that one conference room,” adds Grau, Axiom partner, certified financial planner, and retirement
income certified professional. His background in accounting and managing client portfolios was the perfect fit. The team clicked, and Axiom Financial Strategies Group was formed in partnership with Wells Fargo in 2009 – just as that year’s financial crisis hit. Today, Axiom serves clients in Indiana, Kentucky, and 14 other states. Scott and Grau have built a team of investment advisors with experience and enthusiasm and have plans for continued
growth. Many Axiom advisors have close ties to Southern Indiana.

“An axiom is a closely held principle or truth,” explains Scott. “We originally operated under our last names, but knew we wanted a name that had meaning.”

Axiom Financial Strategies Group advises
individuals, families, family-owned businesses,
and entrepreneurs through all stages of
financial planning, including wealth growth
and management, 401K investments, strategic
planning, and trusts.

“We have a team of nine advisors who all work
to make Axiom the best,” says Grau. “Our clients
see that. We invite them in, show them how we
work, and even do a complimentary plan first.
We want them to be comfortable with the entire
team and know they are welcomed and respected.”

An axiom is a closely held principle or truth. We knew we wanted a name that
had meaning.”
– Vaughan Scott,
Axiom Financial Strategies Group
founder and partner
Axiom Financial
Strategies Group

101 W. Spring St.
5th Floor
New Albany

Certified Financial Planner Michelle Konkle returned to her Southern Indiana roots to work with the firm. “I wanted to be a part of Axiom,” she says. “The respect and courtesy we give to clients shows we really do care for them. It’s not about production; it’s about working with genuinely nice people who care about their clients.”

Scott agrees, “Our culture puts our clients first. We have a fiduciary mindset, but we also truly function as a team. Most industry advisors have internal competitions, but we just always have the philosophy that if we take good care of our clients and have a good team, we’ll always have a place in this business.” Now more than ever, Scott knows that personal touch is paramount. When the sky seemed to fall earlier in 2020, Axiom mobilized to stay safe, work remotely, and work quickly to secure their clients’ investments as much as possible. “We learned to communicate via email and phone in ways we never did before,” says Scott.

“Mike and Gloria did a phenomenal job with our repositioning when the market was at its bottom. It’s one thing to absorb the shock of the market, but another thing to reposition for recovery. Mike and Gloria completed transactions for over
1,000 accounts in just a few days. As the market has recovered, our clients see the results of that.”

Earlier in the year, Grau and Scott focused on upgrading technology efforts and saw the benefits immediately. “We’ve remained flexible,” Grau says. “Everyone has a long-term plan that we put together the day we start working with them. When markets turn downward, people look at their scores and see their score is still in the target zone.
They can weather the storm, and we position the assets and work with a plan that allows them to see how they are doing. Most people are staying on track, despite the effects of 2020.” That personal touch highlights Axiom’s difference from larger, more national investment firms. Clients choose who they want to work with, says Grau, “We come in every day to serve our clients, our team members, and our community. That’s our mindset.”

“It’s a focus on families,” Scott adds, “It’s more than just a financial business. We take on clients who do cool things and help them grow. I think about what I would advise my family, my parents, my grandparents to do. We help, and we just do
it the right way.”

A Pandemic in Pictures

By JD Dotson

In March, when stay-at-home orders were enacted due to COVID-19, life changed for us all. Months later, we’re still grappling with the virus, which has wreaked havoc in many ways while also bringing out our collective ingenuity, adaptability and desire to connect with others. JD Dotson, one of our Extol teammates, captured these pictures of his personal experience during the pandemic. In them, there is hope, there is fear, there is sadness, there is joy and there is the understanding that no matter what happens, we will never be the same.



As he writes in his new book, Steve Adams was an admittedly clueless father until divorce and joint custody forced him to reassess his priorities

By Conrad Jarret

Steve Adams is a successful, hard-working, just-turned-50 real estate agent, a devoted father
of two who always makes time for his children – Rachel, a graduating college senior, and Carter,
a high school junior. But it wasn’t always this way. Only 10 years ago, he was an up-and-comer who never let his family get in the way of a business
deal, a meet-and-greet, a meal or drinks with clients. His career was rising, but his home life
was descending into shambles. “I was never there for them,” he admits. “I
missed dinners and family events. My feeling was, I was providing, and that was all that should
have mattered.”
What changed for Adams? Divorce, and the ensuing settlement battles over finances and custody. And what started out – as he now admits – as a contest simply to defeat his ex-wife in court turned into a complete transformation, a look-inthe- mirror realization that he had an obligation to these two young children (they were 11 and five at the time) that exceeded putting a roof over their heads. He saw that it was what he did beneath that roof that truly mattered. It was that classic realization: “I brought those kids into the world, they didn’t ask to be born, and they certainly didn’t ask for this divorce.”

Now, he says, “Almost everything I do is with the thought of how it’s going to affect them. You
can’t go wrong if they’re your Number One priority all the time.”
Adams didn’t give up his career, nor his will to succeed in business. Rather, he readjusted
his priorities and found structure and balance in his life. “If I had a business appointment that
coincided with Carter’s basketball game, the game took precedence every time. If there was
a parent-teacher conference scheduled on a weekday business morning, that’s where I’d be
that morning — every time.”

He also reordered his domestic priorities. He developed his cooking skills, so those weekends with the kids were not full of pizza boxes and fast-food drive-throughs. “It got so that my kids noticed when they came in the door and there wasn’t something cooking in the kitchen.” And, as he resumed dating post-divorce, “If I wasn’t certain about bringing a woman home to meet my kids, I didn’t do it. It was a litmus test, and most of those relationships failed the test.” Priorities. Structure. Balance.

The effort to rearrange his life, and the lessons he learned, are discussed in detail in his new book, “Now What? A Divorced Dad’s Guide to Parenting Excellence,”
published in 2019 by Butler Books. University of Louisville head men’s basketball
coach Chris Mack said on a cover blurb: “Steve’s book is straight from the heart, on lessons he’s
learned and applied, for helping you be the best father you can be.” Best father you can be – and, as it turned out, best parent, too.

“As I developed the thoughts that went into writing the book,” Adams says, “I realized there was much about being ‘the best father you can be’ that went beyond just the community of divorced fathers. All these thoughts and recommendations and guidelines also apply to any fathers of young children, to divorced mothers and all single-parent households and, in fact, to any parent at all.”

During the course of writing his book – which is available on Amazon, at local bookstores and ButlerBooks.com – Adams talked to educators, counselors, religious leaders, family court judges and sociologists, and he says he was alarmed by some of the things he’d heard. “I talked to Aaron Striegel, the student counselor at Trinity High School,” says Adams. “He shared with me some alarming statistics about what happens to children who grow up in turbulent households
or without a father’s presence. So many of them end up doing time.”

Adams says he was even contacted by a man who runs an addiction recovery program in Nashville. “He wanted me to come talk to his group. I don’t have the specific background issues of his attendees, but he thought my message – of changing, prioritizing and goal-setting – would resonate with them.”

Finally, Adams took aim in his book at a surprising target: Facebook. “People with issues – in their marriages, in their home lives, with their children – broadcast their intimate issues because they think they’re talking to a bunch of sympathetic ‘friends.’ They’re not really your friends; most of them probably think you’re pathetic. I always say, ‘If you think they’re your friends, see which one will respond when you have a flat tire at 3 in the morning.’ Spend all that wasted social media time and effort where it will do some real good: with your kids.”

Strategies to Remember During Times of Uncertainty



1. Humans are irrational creatures. Time and time again we are told to buy low and
sell high. However, when we start to see the balances fall it is human nature to want to
reduce your loses by moving into ‘safer’ assets. Unless you are in dire needs of the funds
within six months, this is not typically an advisable plan. Studies have shown that time
in the market is better than timing the market. If you exit the market during a downturn
and wait for the ‘right time’ to get back in, chances are you have already missed some of
the best days of the recovery. When navigating a bear market, think of it is fighting a fear. Stay calm and don’t make any sudden moves.

2. Diversification is key in any market cycle. By diversifying your assets, you will be
able to limit potential negatives felt when one invests in only one security or industry.

3. Keep investing. While it is difficult to watch the balance of your 401k fall, you must
remember that this is the best time to invest. Depending on an individual investor’s
situation this may be the time to continue contributions and even possibly increase
contributions. Buying during periods of volatility can have tremendously positive
impacts on your portfolio later in life. We often recommend that investors dollar cost
average due to the uncertainties and inability to time the market. This means that they
will systematically invest a certain amount over a specified period. Please contact us or
your financial adviser to discuss if this option is right for you.

4. Don’t invest money you don’t have. While it is great to increase your
401k contribution or start to invest in your favorite store/restaurant, etc.
when their stock price falls. Remember to only invest what you can afford
to lose. If you are not comfortable with the potential of losing the money,
then do not invest it. Now more than ever, it is crucial to have your 3-6
months of emergency reserves set aside. These funds are not to be used for
investment purposes.Extol+Summer+2020_Page_70_Image_0001

5. Consult with a financial professional. When trying to navigate the
waters of investing, consulting with a professional is the nest idea. Most of
us have been through this before and can provide to you real life examples
and industry respected resources as we help you develop a financial plan
to not only navigate the current state but achieve your future goals.
While “stay the course” may be the last thing you want to hear from your
financial advisor, it is oneof the pinnacles of a long-term strategy. If you
would like to discuss investment options or create afinancial plan of your
own, you can reach us at (812) 913-7701.

This report was prepared by Axiom Financial Strategies Group, a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as
an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which
you determine to hire or retain an adviser. This is prepared for informational purposes only. It does not address specific investment objectives, or the financial situation
and the particular needs of any person who may receive this report. Neither the information nor any opinion expressed it so be construed as solicitation to buy or sell a
security of personalized investment, tax, or legal advice. For more information please visit: https://adviserinfo.sec.gov/ and search for our firm nam