Students. (1955-1973, 1980-1999)B.A., Carson-Newman College; M.A., Columbia U.; B.D., Southern Baptist Theological Seminary; Th.M.,ibid. Roger L. Brooks, Ph.D., Professor of English. Harold W. Osborne, Ph.D., Professor of Sociology and Master Teacher. (1982-2018)B.S., Baylor U.; M.S., ibid. Its California Certificate of Authority number is 6992. If you're already enrolled, log in to your secure account from the login button at the top of the home page of this site. Plan Basics Contact your HR Benefits Office for additional information and assistance. Faculty who reached the rank of Professor or Associate Professor before retirement, had twenty or more years of full-time college or university-level service (at least the last ten as a faculty member at Baylor), and had an established record of distinction as a teacher/scholar in service to Baylor University. (2004-2012)B.S.N., Baylor; M.S.N., U. of Texas; Ph.D.,ibid. 15% increase in Pre-65 dependent coverage . (1990-2018)B.A., St. Edwards U., M.A., U. of Notre Dame; Ph.D.,ibid. Any savings have the potential to help in the future, but ideally, you still should aim for 10-15% of your pre-tax income annually. Is there a tax advantage to owning variable annuities versus mutual funds? ; M.S., ibid. A lump-sum payment, subject to a surrender fee, may be available depending on your plan rules and the terms of your contract. ; M.Div., Pittsburgh Theological Seminary; Ph.D., Southern Baptist Theological Seminary. M. Michael Umble, Ph.D., Professor of Management. (1980-2020)B.A., U. of Houston; M.A., ibid. Kenneth W. Busch, Ph.D., Professor of Chemistry. (1985-2005)B.B.A., Baylor U.; M.S., Oklahoma State U.; Ph.D., Michigan State U. Maxine B. Hart, Ed.D., Professor of Information Systems. (1997-2014)B.S., U. of Texas; M.S., Sacred Heart U.; M.Ph., Columbia U.; Ph.D.,ibid. William Hair, Associate Professor and Associate Dean and Director, Central University Libraries (1994-2021)B.S., U. of Tennessee; M.Div., Mid-America Baptist Theological Seminary; M.L.S., Vanderbilt U. D. Thomas Hanks, Jr., Ph.D., Professor of English and Master Teacher. Baylor College of Medicine Requirements, Tuition, and More (1986-2000)B.A., Baylor U.; J.D.,ibid. (1979-1999)B.S. Most employers require you to save a certain amount before they will match it when they do, its all extra money! Baylor College of Medicine Family Medicine Physician (Assistant If requested before 2 p.m. you will receive a response today. An annuity is an insurance contract with one or more fixed-rate and variable investment options. Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. (1961-2011)B.A., Baylor U.; M.A.,ibid. (1981-2000)B.S.N., Wayne State U.; M.S.N.,ibid. Roger Olson, Professor of Theology, Truett Seminary (1999-2021)B.A., Open Bible College; M.A., North American Baptist Seminary; M.A., Rice U.; Ph.D., ibid. As for income options, annuities offer you the opportunity for lifetime income with or without guaranteed payments for a fixed time period*. ; Ed.D.,ibid. (1985-2005)B.B.A., U. of Texas; M.B.A., U. of North Texas; Ph.D., U. of Arkansas, Fayetteville. Faculty Senate. What are the benefits of owning mutual funds? ; Ph.D., U. of Texas. (1958-1999)B.S., Baylor U.; M.Ed., U. of Texas. (1986-1987, 1988-2020)B.A., Northern Illinois U.; M.A., U. of Iowa; M.F.A., ibid. increase substantially for the following groups: new retirees. Mutual funds offer systematic withdrawals. Academy educational grants are open to educators at all levels of development with the condition that applicants must have received a Norton Rose Fulbright award. Please consult your legal or tax advisor. schedule an appointment with a TIAA investment professional or attend a seminar. Naymond H. Keathley, Ph.D., Professor of Religion. Contribute the maximum annual amount to your retirement savings. Protecting your retirement savings through guaranteed annuities. After enrolling, you'll receive a TIAA Welcome Kit and a Legal Package including your contract and contract number. If you are an eligible classification, you automatically become a participant in the Plan when you reach age 18 and have completed 1 hour of service. Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes U.S. and non-U.S. stocks, bonds, and real estate with smaller amounts of assets. Your employer adopts an Emeriti Retiree Health Plan and Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. The Office of Faculty Affairs & Faculty Development provides learning programs, conferences and other resources for Baylor faculty members. Based on community levels of COVID-19, Baylor Medicine no longer requires masks while in our clinics. Thomas R Hunt, III, MD, DSc, FACHE - LinkedIn Medicare Part B premiums . The Office of Faculty Affairs & Faculty Development is committed to: Our office oversees administrative matters related to faculty recruitment and appointment, faculty development and promotion, faculty recognition and advancement, faculty evaluation, retention and transitions. How can I see my accounts and perform transactions online? (1974-2010)B.S., Florida Atlantic U.; Ph.D., Florida State U. Marianna S. Busch, Ph.D., Professor of Chemistry. ; Ph.D., Rice U. William R. Trail, J.D., Professor and The Darrell L. Keith Professor Law and Medicine. (1971-2016)B.S., Furman U.; Ph.D., Vanderbilt U. Deborah Johnston, Associate Professor of Health, Human, Performance and Recreation (1981-1987, 1988-2021)B.A., Northwest Missouri State U.; M.S.Ed., Baylor U., Ed., U. of Arkansas. Many employers offer contribution matching. What are the benefits of owning mutual funds? For more information on fees and investments, refer to "Mutual Funds and In-Plan Annuities" via TIAA.org/performanceOpens in a new window. Its California Certificate of Authority number is 3092. Baylor to open regional medical campus in Temple - Houston Chronicle John D. McClanahan, M.F.A., Professor of Art. Reviewing your current investment mix to see if you need to rebalance your portfolio as you near retirement. Wallace L. Daniel, Jr., Ph.D., The Ralph L. and Bessie Mae Lynn Professor of History. The following documents are required from the Academic Unit for appointment to this rank: 1. Karl A. Umlauf, M.F.A., Professor of Art and Artist in Residence. To submit an abstract - Aug. 14, 2023 by 5 p.m. Poster Presentation - Sept. 15, 2023 (1973-2005)B.B.A., Baylor U.; M.B.A.,ibid. (1969- 2003)B.A., Louisiana State U.; M.A.,ibid. (1974-2006)B.M., U. of Illinois; M.S. ; Ph.D., ibid. W. Hulitt Gloer, Ph.D.,Professor of Preaching and Christian Scriptures. Emeritus Faculty | The City College of New York Your employer will typically allow you to withdraw funds once you've reached 62. A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company. (1971-1986)B.M.E., U. of Oklahoma; M.M.,ibid. William A. 2. The earlier you start contributing to retirement plan investments, the more you can potentially save. You must begin taking minimum distributions from your IRAs and employer retirement plan accounts by your required beginning date (or retirement, if later for employer retirement plan accounts). (1973-2011)B.A., Baylor U.; M.A.,ibid. Southwestern Baptist Theological Seminary; Ph.D., Baylor U. Weldon E. Beckner, Ed.D., Professor of Educational Leadership. Schedule time with a financial professional to get help with your financial goals. W. Keith Hartberg, Ph.D., Professor of Biology. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. (1981-1997)B.S., U. of Kentucky; M.B.A., Syracuse U.; Ph.D., U. of Pennsylvania. | Earl L. Grinols, Distinguished Professor of Economics (2004-2022B.A., U. of Michigan; B.S., ibid; Ph.D., Massachusetts Institute of Technology. (1990-2014)B.A., U. of South Carolina; M.A.,ibid. Education Programs | BCM - Baylor College of Medicine Our Premedicine Program is designed for those students who desire to attend medical school upon undergraduate degree completion. Investing involves risk, including risk of loss. E. Jeter Basden, Ed.D., Professor of Religion. Find out who to contact about enrollment or investing. ; Ph.D.,ibid. Each is solely responsible for its own financial condition . Dennis Johnston, Professor of Statistical Science (2003-2021)B.S., U. of Texas, Arlington; M.S., U. of Texas; Ph.D., Texas Tech U. Jerry Johnson, Professor of Marketing (1974-2021) B.B.A., Baylor U.; M.B.A., ibid. Have an edit or suggestion for this page. Gary W. Hull, Ph.D., Associate Professor of History. Many financial planners estimate that youll need 80-90% of your pre-retirement income to maintain your lifestyle in retirement. Fees and expenses have always been part of a retirement savings plan-some fees are associated with the administration of the plan and may be covered by your employer, while others are paid by you based on the specific investments and services you choose. Ronald Beal, LL.M., Professor of Law. Paul Z. Kemp, M.F.A., Professor of Art. 2021 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017. Papers of BCM faculty, staff, departments, students and affiliates are eligible to submit an abstract for presentation as a virtual poster display at the showcase. E. E. Schroeder, M.Ed., Associate Professor of Health, Human Performance and Recreation. *Guarantees are subject to the claims-paying capability of the insurer. *Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Think about these three easy things you can do to keep your momentum & finish strong: Taking advantage of any new plans or matches your employer may offer. A. Dale Allen, Ph.D., Professor of Management. (2004-2017)B.A., Newcomb College of Tulane U.; M.A., U. of Kansas; Ph.D., U. of Virginia. Substance Abuse View All Clinical Trials General Inquiries Call today to schedule an appointment or fill out an online request form. ; Ph.D. U. of Georgia. Emeriti Retirement Health Solutions is not an insurance company, insurance broker or insurance provider. Located in the heart of the world's largest medical center (Texas Medical Center), Baylor is affiliated . ; Ph.D., Texas Womans U. Susan K. Johnson, Ph.D., Professor of Educational Psychology. If you're already enrolled, log in to your secure account from the login button at the top of the home page of this site. Prof. & Chair, Dept of Orthopedic Surgery Baylor College of Med and Chief Physician Exec, Baylor St . Many participants enjoy the diversity of investing in mutual funds in their retirement plans. Southern Baptist Theological Seminary; Ph.D.,ibid. (2000-2018)B.A., Wheaton College; M.A., Princeton U.; Ph.D.,ibid. Faculty who reached the rank of Professor or Associate Professor before retirement, had twenty or more years of full-time college or university-level service (at least the last ten as a faculty member at Baylor), and had an established record of distinction as a teacher/scholar in service to Baylor University. Louisiana Tech U.; M.A., U. of Denver, Ph.D.; Indiana U. Ken-Hsi Wang, Ph.D., Professor of Physics. (1981-1998)B.S., Texas A&M U.; M.S., Arizona State U.; Ph.D.,ibid. As a Baylor Medicine patient, you'll have access to exclusive clinical trials, leading-edge procedures, and the brightest minds in medicineall working together to provide you with more options . (1975-2019)B.A., Ohio State U.; M.A.,ibid. We realize the enrollment process requires making tough decisions. How do I find an online Notary? Delton L. Chesser, Ph.D., Professor of Accounting. (1986-2021)B.A., Baylor U.; J.D.,ibid. (1969-2009)B.A., Baylor U.; M.S.W., Louisiana State U; Ph.D., Texas Womans U. Donald R. Edwards, Ph.D., Professor of Management. The office is committed to fostering an environment in which faculty can develop, succeed, and realize their full professional potential. Powered by. Make a selection before beginning enrollment. The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities. You can leave the tool now and go to Insights to read articles, use tools and see videos that will help you step forward. TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. Baylor College of Medicine, one of the top-ranked medical schools in the country, is well known for its exceptional, innovative, and collaborative research environment. Substance Abuse View All Clinical Trials General Inquiries Call today to schedule an appointment or fill out an online request form. Mary A. Booras, M.A., Associate Professor of Speech Communication. Over the course of your career, that's how much it may take to potentially generate the income you need for retirement. (1984-2014)B.A., Texas A&M U.; M.S., Washington U. in St. Louis; Ph.D.,ibid. Learn ways to save and invest to help you prepare for your retirement. Doris A. DeLoach, D.M., Professor of Oboe and Music Theory and Director of Instrumental Studies. PPTX Baylor College of Medicine - Kenyon College (1984-2018).B.A., U. of California, San Diego; M.Div. (1990)B.S., Abilene Christian U.; M.B.A., U. of Texas; Ph.D.,ibid. TIAA-CREF Individual & Institutional Services, LLC serves as a broker-dealer with respect to underlying mutual funds only, and does not offer, market or sell interests in such plans or otherwise provide broker-dealer services with respect to the interests in such plans. (1976-2010)B.F.A., Bethany College; M.F.A., U. of Iowa. Each of the foregoing is solely responsible for its own financial condition and contractual obligations. You can opt for extra features, like loan services. (1970-2005)A.B., Washington U.; B.D., Eden Theological Seminary; M.A., State U. of New York; Ph.D., Cornell U. John C. Flynn, Ph.D., Professor of Psychology and Neuroscience. New bivalent COVID-19 vaccines and flu vaccines are available for patients with Baylor Medicine Primary Care Providers. For employer-sponsored retirement plans, your required beginning date is April 1 of the year following the calendar year in which you reach your RMD Applicable Age or retire from the plan sponsor, if later. Martha L. Sanford, Ph.D., Associate Professor of Nursing. Buford Randall Jean, Ph.D., Professor of Electrical and Computer Engineering. ; M.A., ibid. schedule an appointment with a TIAA investment professional or attend a seminar. Robert M. Baird, Ph.D., Professor of Philosophy and Master Teacher. 401(a) Retirement Plan does not offer a loan feature. Pauline T. Johnson, Ph.D., Professor of Nursing. (1971-1999)B.B.A., Baylor U.; M.Ed., U. of Arkansas; Ed.D., U. of Houston. The Bernard and Anne Spitzer School of Architecture CUNY School of Medicine Colin Powell School for Civic and Global Leadership School of Education The Grove School of Engineering . To recap, here's what you'll want to think about when you enroll: Think how long your retirement savings will need to last. Mark Anderson, M.F.A., Professor of Art and Art History. *Guarantees are subject to the claims-paying capability of the insurer. Baylor College of Medicine and Department Summary: Baylor (www.bcm.edu) is recognized as one of the nation's premier academic health science centers and is known for excellence in education, research, and healthcare and community service. See Faculty Appointments and Promotions Guidelines. (1980-2003)B.A., Case Western Reserve U.; M.L.S., U. of North Texas; Ph.D., U. of North Texas. William L. Pitts, Jr., Ph.D., Professor of Religion. TIAA has partnered with Notarize.com (www.Notarize.com/TIAAOpens in a new window) to offer a digital and secure way for you to fulfill notarization requirements for your forms. ; Ph.D.,ibid. Donald L. Hardcastle, Ph.D., Professor of Physics. (1981-2017)B.S., Southern Methodist U.; M.S.,ibid. Baylor Retirement Plan Policy - BUPP 461; Baylor Retirement Plan (BRP) Summary of Plan Provisions; 2022 Annual Notice of Right to Participate in 403(b) 403(b) Plan Guide for 2022; Eligibility Requirements. Music, Juilliard School of Music; D.M.A., U. of Illinois. Clement T. Goode, Ph.D., Professor of English. Check your investment mix. Linda S. Adams, Ph.D., Professor of Political Science. 3. (1989-2015)B.F.A., U. of Texas; M.F.A., Cornell U. John Van Cura, D.M., Professor of Vocal Studies. (1984-2021)B.B.A., Texas Tech U.; J.D., U. of Oklahoma. People are living longer than ever. 6.3% increase for Dental Plan. Delta R. Hafford, Ph.D., Associate Professor of Family and Consumer Sciences. Institution makes . Generally, you must show an immediate, significant need that cannot be met with other resources, including loans from your retirement plan. A tax-free way to pay for other qualified out-of-pocket medical expenses - the Emeriti Reimbursement Benefit. To obtain vesting information regarding this plan, contact TIAA at 800-842-2252. Faculty Media . Tenured professors with at least one year of service at BCM and tenured associate professors with at least 10 years of service at BCM and who have remained on active status until retirement may be eligible for "Emeritus" appointment upon retirement following recommendation by the head of the Academic Unit in which the candidate has his or her primary appointment and upon formal action by the President and the Board of Trustees. You can receive the current interest earned on your TIAA Traditional Account in monthly payments. (1987-2002)B.S.N., Baylor U.; M.S., U. of Colorado; Ph.D., U. of Wyoming. Investment in variable products is subject to the risks associated with investing in securities, including loss of principal. Substance Abuse View All Clinical Trials General Inquiries Call today to schedule an appointment or fill out an online request form. Wickramasinghe Ariyasinghe, Associate Professor of Physics (1988-2021).B.S., U. of Sri Lanka; M.S, Bowling Green State U.; Ph.D., Baylor U. David M. Arnold, Ph.D., Professor and the Ralph Jean Storm Professor of Mathematics. S. Kay Toombs, Ph.D., Associate Professor of Philosophy. (1977-2015)B.A., Ohio U.; M.A.,ibid. Elisabeth J. Umble, Ph.D., Associate Professor of Management. Post Graduate Training: 1967-68. (2010-2020)B.F.A., U. of Nebraska; M.F.A., Wichita State U. F. Michael Ard, D.M.A., Professor of Keyboard Studies. Who would benefit most from owning mutual funds? This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. Dennis ONeal, Professor of Mechanical EngineeringB.S., Texas A&M U.; M.S., Oklahoma State U.; Ph.D., Purdue U. Manuel J. Ortuo, Ph.D., Professor of Spanish. You may also review your existing accounts and make transactions online by logging into your secure account. Please consult your legal or tax advisor. (1963-1996)B.S., Pennsylvania State U.; M.A., Ohio State U.; Ph.D.,ibid. Baylor College of Medicine Senior Coordinator, Research Compliance Job The personalized services used most often are: In addition, for more information on fees and investments, refer to "Mutual Funds and In-Plan Annuities" via TIAA.org/performanceOpens in a new window which is a good source for additional plan and investment-related information. Take advantage of your jobs retirement benefits. (1965-1969, 1980- 1996)B.S., U. of Mary Hardin-Baylor; M.S., Texas Womans U.; Ph.D.,ibid. Baylor College of Medicine contributes 8% of your base annual earnings to the plan. (2010-2020)B.S., Louisiana State U.; M.S., Purdue U.; Ph.D., U. of North Carolina, Greensboro. Western Illinois U.; M.S., U. of Missouri, Rolla; Ph.D.,ibid. (1995)B.S., Wayland Baptist U.; M.Ed., Texas Tech U.; Ed.D., U. of Colorado. You can also contact us online. (1986-2020)B.S.E., Ouachita Baptist U.; M.S., Southern Methodist U.; Ph.D., Memphis State U. Kenneth T. Wilkins, Professor of Biology (1983-2022)B.A., U. Texas at Arlington; M.A., Texas A&M U.; Ph.D., U. of Florida. Update my fund choices or provider to help meet my financial goals. Charles J. Isoline, Ed.D., Professor of Art. Located in the heart of the world's largest medical center (Texas Medical Center), Baylor is affiliated . Plan to save at least enough to cover the essential and inevitable expenses, like healthcare, long after you retire. . As you get older, youll likely want to shift to conservative investments with lower risk. More information about retirement plan fees and expenses is available at TIAA.org/fees. Each is solely responsible for its own financial condition and contractual obligations. BCM contributes a 8% base contribution to the Plan and employees automatically receive the base contribution once eligible. However, diversification doesn't guarantee against loss. Joan Supplee, Ph.D., The Ralph L. and Bessie Mae Lynn Associate Professor of History. BCM contributes a 8% base contribution to the Plan and employees automatically receive the base contribution once eligible. Rose, Ph.D., Professor of Finance, Insurance, and Real Estate. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. (1989-2017)B.S., Louisiana Tech U.; M.B.A., Ph.D., Mississippi State. (1978-2018)B.S., Louisiana State U.; J.D., ibid; M.S., ibid. Darryn Willoughby, Ph.D., Professor of Health, Human Performance and Recreation. Emeritus Faculty are nominated by their deans to the President through the Provost . (1990-2005)B.S., Northwestern State U., of Louisiana; M.S.N.,ibid. ; Ph.D., U. of Arkansas. ; Ph.D., U. of Texas. Howard L. Rolf, Ph.D., Professor of Mathematics. Other benefits may be available, such as pre-tax and tax-deferred contributing, which could help maximize your savings. (1996-2012)B.A., Samford U.; B.D., Southern Baptist Theological Seminary; Ph.D., Vanderbilt U. John F. Tanner, Ph.D., Professor of Marketing. McCormick Theological Seminary; D. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Kris K. Moore, Ph.D., Professor of Statistics and Quantitative Business Analysis. William Bellinger, Professor of Hebrew Bible/Old Testament (1985-2021). For help and advice, call us anytime at800-842-2252. (2001-2012)B.S.N., Valdosta State U.; M.S.N., Troy State U.; D.S.N., U. of Alabama, Birmingham. Barbara and Corbin J. Robertson, Jr. Presidential Award for Excellence in Education, Ben and Margaret Love Foundation Bobby Alford Award for Academic Clinical Professionalism (Center for Professionalism), Norton Rose Fulbright Faculty Excellence Award, Faculty Awards for Excellence in Patient Care. Billie H. Nowlin, Ed.D., Professor of Home Economics. Robert T. Doty, Ph.D., Professor of Mechanical Engineering. Baylor has the lowest tuition rates among all private medical schools in the country ($29,900), resulting in an average student-loan debt of $108,136that's $95,000 less than the average for U.S. medical school graduates from private schools and $72,000 less than medical school graduates from public schools, counting medical schools that . Emeritus Faculty | Office of the Provost | Baylor University (1988-2022)B.A., U. of Rhode Island; M.A., U. of Florida; Ph.D., ibid. Baylor College of Medicine plans to launch a regional campus in Temple, the first extension of the elite Houston school's doctor-training brand in the state. ; Ph.D., U. of Minnesota. (1978-2020)B.S., Denison U.; M.S., Baylor U.; Ph.D., Southern Methodist U. D.E. Member FDIC. The value of a variable annuity is subject to market fluctuations and investment risk so that, if withdrawn, it may be worth more or less than its original cost. Gerald R. Powell, J.D., Professor and the Abner V. McCall Professor of Evidence. Elizabeth S. Githens, M.A., Professor of English. Who would benefit most from owning mutual funds? Carolyn A. Backus, D.M.A., Professor of Vocal Studies. Call 713-798-1000 Monday - Friday 8 a.m. - 5 p.m. ONLINE Request Now Request non-urgent appointments Find a Physician You can withdraw all or part of your account in a single cash payment, depending on your plan rules and the terms of your contracts. ; Ph.D., U. of Illinois. Studying biology at Baylor is a journey that will give you a new perspective on the world. Investment decisions should be made based on the investors own objectives and circumstances. Sharp, Ph.D., Professor of Curriculum and Instruction. B.A., Furman U.; M.Div., Southeastern Baptist Theological Seminary; Ph.D., U. of Cambridge. ; Ph.D., Iowa State U. Jerry Waltman, Ph.D., The R. W. Morrison Professor of Political Science (2003-2020)B.A. B.A., U. of Michigan; M.A., ibid. Consider adding annuities1 to your retirement plan so you can create a foundation of guaranteed monthly income for life when you stop working. Consider contributing to annuities1 that offer growth opportunities while your're saving and monthly income thats guaranteed for life when you retire. Now is a great time to understand what is offered - think about taking advantage of any opportunities to save and invest for the future. Tillman B. Rodabough, Ph.D., Professor of Sociology. You can also contact us online. Janelle Walter, Ph.D., Professor of Family and Consumer Sciences. Strive for a smart balance of aggressive and conservative investments that fit your needs. As you get older, more of that money may need to go toward healthcare and other essential expenses. (1981-2018)B.A., Baylor U.; B.D., Southern Baptist Theological Seminary; Ph.D.,ibid.