SPRING 2017 MEMBER MAGAZINE
RADIANT LIF LIFE HAVE YOU USED YOUR FINANCIAL TOOLBOX? Â¿Ya ha utilizado Ud. sus herramientas financieras?
SPECIAL MEMBER BENEFITS
JUST FOR YOU!
PRESIDENT’S MESSAGE Grateful for the memories of yesterday and faithful to His Word and Work today, we dream of brighter tomorrows.
Memories and Dreams Communities, businesses and families require two essential elements to remain relevant – memories and dreams. If you only have memories, you are living in the past... going through life as if you’re walking through a museum. However, memories are still important. They are the way we learn from the past so that we may grow in the future... Clearly, you don’t remain in business for 150 years reflecting only on your memories. Dreams allow us to imagine what’s possible. At Catholic Financial Life, our dreams inspire our future. Our Board and management team will conclude a year-long strategic visioning process later this year. This process will help make certain our dreams become reality – growing as an organization and keeping our promises for generations to come. Our mission is timeless and describes our uniqueness. We are a faith-based membership organization that puts Catholic values in action by: • Serving God through serving others; • Providing financial security; and • Enhancing quality of life.
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Help us to fulfill our mission by taking this survey http ps:/ //www.surveyymonkeyy.com/ /r/ / CFLCharitableSup pport. Share what’s most important to you and help shape our charitable impact. I appreciate your input and look forward to reviewing your responses. Thanks for the memories and here’s to the dreamers! Fraternally,
William R. O’Toole President & CEO PS: If I can be of any service, please don’t hesitate to contact me at firstname.lastname@example.org or 800-927-2547.
CONTENTS SPRING ‘17 2 President’s Message 4 Mensaje del Presidente 5 A Message From Our Spiritual Director
6 History Enshrined in Washington, DC
7 Growing Our
10 Summertime Fun 12 Member Moments 14 Special Member
Benefits Just For You!
20 Spiritual Pathways 21 Spring Cleaning Your Finances
8 Have You Used Your
Executive Officers: William R. O’Toole, Pleasant Prairie, Wis. President & CEO Jeff Tilley, Franklin, Wis. Secretary & CFO
Elected Directors: Dennis Kabat, New Holstein, Wis. John Kenawell, St. Louis, Mo. Allan Lorge, Cedarburg, Wis. Jay Mack, Hartland, Wis. Lisa Mick, Fond du Lac, Wis. Patrick J. Murphy, Milwaukee, Wis. Susan Obermiller, Green Bay, Wis. Paul B. Pinsonnault, North Attleboro, Mass. David Singer, Kenosha, Wis. Mike Stivoric, Pewaukee, Wis. Marion Strauss, Cedarburg, Wis.
Appointed Director: Kristine Rappé, Milwaukee, Wis.
Spiritual Director: Archbishop Jerome E. Listecki, Milwaukee, Wis.
About the Cover: David Singer, Catholic Financial Life board member (left), at the 2016 Zoofari member event, accompanied by his daughter, Megan Murdock, Chapter 151 vice president, and her family.
Catholic Financial Life’s Magazine is the official publication of Catholic Financial Life, 1100 West Wells Street, P.O. Box 3211, Milwaukee, WI 53201-3211.
POSTMASTER: Send address changes to Catholic Financial Life Magazine, Catholic Financial Life, 1100 W. Wells Street, Milwaukee, WI 53233.
Phone: 800-927-2547 Copyright © 2017 Catholic Financial Life. All rights reserved.
It’s that time of year again! Marrk your calendar for some greaat family-friendly events this summer.
Read more on the web www.catholicfinanciallife.org
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MENSAJE DEL PRESIDENTE Agradecidos por las memorias de ayer, y fieles a la palabra y al trabajo de hoy de nuestro Señor, soñamos con un mañana aún mejor.
Memorias y sueños Las comunidades, los negocios y las familias requieren dos elementos esenciales para seguir siendo relevantes os sueños. Si solo tiene memorias, usted está viviendo en el pasado... pasando por la vida como si estuviera paseando por un museo. Sin embargo, las memorias todavía son importantes. Son la manera en que aprendemos del pasado para que podamos crecer en el futuro. . Claramente, uno no permanece en el negocio durante 150 años solamente reflexionando sobre las memorias. Los sueños nos permiten imaginar lo que es posible. En Catholic Financial Life nuestros sueños inspiran nuestro futuro. Nuestra junta y equipo directivo concluirá un proceso de desarrollo estratégico de la visión de la organización a lo largo de este año. Este proceso ayudará a hacer nuestros sueños realidad; creciendo como una organización y cumpliendo nuestras promesas para las generaciones venideras. Nuestra misión es eterna y describe nuestra naturaleza única. Somos una organización de membresía basada
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en la fe que pone los valores católicos en acción al: • Servir a Dios mediante el servicio a los demás; • Aportar seguridad financiera y • Mejorar la calidad de vida. Ayúdenos a cumplir nuestra misión al completar esta encuesta http ps:/ //www.surveyymonkeyy.com/ /r/ / CFLCharitableSup pport. Comparta lo que es más importante para Ud. y ayúdenos a desarrollar nuestro impacto de esfuerzos caritativos. Aprecio sus comentarios y tengo muchas ganas de revisar sus respuestas. “iGracias por las memorias y aguíestoy para los soñadores!” Fraternalmente,
William R. O’Toole Presidente y Director Ejecutivo P.D. Si puedo ayudarles de alguna manera, por favor póngase en contacto conmigo mandándome un correo a: email@example.com o 800-927-2547.
Dear Brothers and Sisters in Christ Easter is a time of new beginnings. As Paul wrote in his letter to the Corinthians, “Whoever is in Christ is a new creation: the old things have passed away; behold, new things have come.” During the Easter Vigil celebration, another springtime image is evoked, that of light piercing the darkness, just as Christ’s Resurrection exposed the blackness of sin to the blinding radiance of salvation. On Good Friday, Jesus died on the Cross so that on Easter Sunday, the Resurrected Christ would bring us His light. Today, many of us might take the value of light for granted. It was not long ago that the world was lit only by fire. Now, with our cities bathed in artificial light, it’s easy to forget how important the increasing light of Spring was to our ancestors, and how symbolic it was of salvation. Even during these fast-paced, modern times we should remember on a daily basis that God’s divine light illuminates our way and clears our vision. In turn, those who believe in God act as a light to the world. At Catholic Financial Life, you, our members, work to spread God’s light. You are truly involved with helping others. Parishes, schools and communities are helped immensely through your volunteer and charitable efforts. As the Society’s Spiritual Director, and as a fellow member, I am moved by the meaningful work you do. How will you continue to be light to the world throughout the year? There are many ways to receive and spread the light, such as helping the poor and homeless, donating to your favorite charity, participating in a retreat, or becoming more involved in the life of your parish. Remember to share God’s message for in doing so, you are helping to make things new! Sincerely yours in Christ,
Most Reverend Jerome E. Listecki Archbishop of Milwaukee Catholic Financial Life’s Spiritual Director
Read more on the web www.catholicfinanciallife.org
Queridos hermanos y hermanas en Cristo
La Pascua es una época de nuevos comienzos. Como ha escrito Pablo en su carta a los Corintios, “Si alguno está en Cristo, es una nueva creación: ¡Lo viejo ha pasado, ha llegado ya lo nuevo!” Durante la celebración de la Vigilia Pascual, se evoca otra imagen primaveral, la de la luz que penetra la oscuridad, así como la resurrección de Cristo expuso la negrura del pecado al cegador resplandor de la salvación. El Viernes Santo, Jesús murió en la Cruz para que el Domingo de Pascua, el Cristo Resucitado nos trajera su luz. Hoy en día, muchos de nosotros subestimamos el valor de la luz. No hace tanto que el mundo se iluminaba solamente con el fuego. Ahora con nuestras ciudades bañadas en luz artificial, es fácil olvidar cuán importante era la luz creciente de la primavera para nuestros ancestros y cómo simbolizaba la salvación. Aunque vivamos durante estos tiempos modernos y acelerados, debemos recordar día a día que la luz divina ilumina nuestros caminos y esclarece nuestra visión. Por eso los que creen en Dios actúan como una luz para el mundo. En Catholic Financial Life, ustedes, nuestros miembros, trabajan para difundir la luz de Dios. Uds. realmente están dedicados a ayudar a los demás. Las parroquias, escuelas y las comunidades reciben tanta ayuda a través de sus trabajos voluntarios y esfuerzos caritativos. Como Director Espiritual de la Sociedad, y como miembro, estoy conmovido por el trabajo significativo que ustedes hacen. ¿Cómo seguirá siendo la luz para el mundo durante el año? Hay muchas maneras de recibir y difundir la luz, como ayudar a los pobres y personas sin hogar, donar a su organización caritativa favorita, participar en un retiro espiritual o dedicarse más a los asuntos de su parroquia. ¡Recuerden que deben difundir el mensaje de Dios, porque al hacerlo están ayudando a hacer llegar lo nuevo! SPRING 2017 CATHOLIC FINANCIAL LIFE 5
HISTORY ENSHRINED IN WASHINGTON, DC A little piece of our history is now enshrined in Washington, DC, thanks to the efforts of our national trade association, the American Fraternal Alliance (AFA). On November 29, the National Museum of American History at the Smithsonian premiered its 20-year-long exhibit, “Giving in America,” and Catholic Financial Life was present. Our presence took the form of a 112-year-old banner that once belonged to the Hewitt, Wis., chapter of the Catholic Family Protective Association, one of the 10 fraternal benefit societies that, over the years, have formed Catholic Financial Life. As with all banners popular among fraternal benefit societies at the turn of the 20th century, it was used for parish parades and displayed at Society meetings. On the front side, the Hewitt banner features the chapter’s location and founding date of May 2, 1915, along with the Society’s name at the time. On the back side is a hand-painted portrait of the Holy Family. This particular banner was almost lost to the ages. Tucked away in the steeple of St. Michael’s Church in Hewitt, it survived the 1949 demolition of the original church, and, in 1997 made its way to the Home Office in Milwaukee, Wis.
“A little piece of our history is now enshrined in Washington, DC, thanks to the efforts of our national trade association, the American Fraternal Alliance (AFA).” 6 CATHOLIC FINANCIAL LIFE SPRING 2017
At the opening of the exhibit, with AFA President Joseph Annotti and other dignitaries present, the banner was unveiled by Timothy Winkle, Deputy Chair of the Smithsonian’s Division of Home and Community Life. Mr. Winkle was instrumental in coordinating fraternal benefit societies’ participation in the exhibition. Other items from the Catholic Financial Life archives will be joining the Hewitt banner over the next several years. Someday when member families travel to our Nation’s Capital and the Smithsonian, they can visit with pride knowing that our Society’s heritage now belongs to the ages. To read more about this exhibit, visit americanhistory.si.edu/exhibitions/ giving-america
GROWING OUR FRATERNAL FAMILY We are excited to announce that our Catholic Financial Life Delegates overwhelmingly approved the acquisition of Degree of Honor Protective Association by a vote of 321 for and 7 against. In addition, the Office of the Commissioner of Insurance in Wisconsin and the Department of Commerce in Minnesota have approved our plan of merger effective as of April 1, 2017. This is an exciting growth opportunity. “By adding nearly 40,000 members to our family, we will continue to make a bigger impact in everything we do,” said Bill O’Toole, President & CEO. Our mission will continue as it always has and be strengthened by the addition of new members. They support causes similar to ours that benefit the poor and less h fortunate, including the Salvation Army, Ronald McDonald House and many other local charities.
Catholic Financial Life and Degree of Honor share a common purpose and values – providing insurance and fraternal benefits to our members. For over 125 years, members of the Degree of Honor community have developed friendships through service clubs, participated in charitable giving, supported youth programs, and offered member benefits like scholarships. Degree of Honor’s members can be found across the United States with the strongest concentration of members in Minnesota, Wisconsin, Michigan, Montana, and North Dakota. They have about 64 chapters, located predominately in Minnesota, the Dakotas, Montana, and West Virginia.
Going forward, we intend to maintain the identity of Degree of Honor as a division of Catholic Financial Life. We will preservve their history and continue their fraternal programs. There will however be no impact on our current chapters, member benefits or charitable support. Our priority for the rest of the year is to transfer Degree of Honor’s administration and financial systems to Catholic Financial Life’s systems. The goal is to complete this integratiion by January 1, 2018.
About Degree of Honor Degree of Honor has a proud history rooted in the first fraternal benefit society in the United States: Ancient Order of United Workmen, founded in 1868. From its humble beginnings in Pennsylvania, the organization grew to become the largest fraternal benefit society in the nation in 1886. On May 14, 1886, Degree of Honor was created granting a membership class to the wives, daughters, sisters and mothers of members of the United Workmen.
Read more on the web www.catholicfinanciallife.org
SPRING 2017 CATHOLIC FINANCIAL LIFE 7
HAVE YOU USED YOUR FINANCIAL TOOLBOX? ¿Ya ha utilizado Ud. sus herramientas financieras? Do you get excited when it’s time to update your budget… shop for insurance… or plan for retirement? At Catholic Financial Life, we know an overwhelming majority would say no! That is why we make a variety of financial resources available to help you achieve your financial goals. ¿Se emociona Ud. cuando llega la hora de actualizar su presupuesto… comprar un seguro… o planificar la jubilación? En Catholic Financial Life, sabemos que una abrumadora mayoría contestaría ¡no! Por esta razón ponemos a su disposición una variedad de recursos para ayudarle a lograr sus metas financieras. Personal Finance Learning Center Centro de aprendizaje de finanzas personales
Retirement Planning Help Center Centro de Ayuda para la Planificación de la Jubilación
Visit our Learning Center for interactive articles on financial wellness including topics on personal finance, insurance and investing basics, as well as retirement and wealth management. Mini quizzes are included throughout the articles to test your knowledge.
Whatever your time horizon, there are steps you can take to grow confident your financial plans will lead to a comfortable retirement. Take advantage of Catholic Financial Life’s online Retirement Planning Help Center to get a clearer picture of what you can do to prepare properly. From calculators to informative articles on topics such as retirement plans and determining your financial future, our online Retirement Planning Help Center is a good place to get started.
Visite nuestro Centro de Aprendizaje para encontrar artículos interactivos sobre bienestar financiero que incluyen temas sobre finanzas personales, seguros, conocimientos básicos sobre inversiones, además de información sobre la jubilación y maximización de riqueza. Hay mini cuestionarios en los artículos que ponen a prueba su conocimiento.
Financial Tools and Calculators Herramientas financieras e instrumentos de cálculos How much life insurance protection do you really need? How much money should you have for emergencies? Create scenarios like these and estimate your financial needs using our online calculators. ¿Cuánta protección de seguro de vida realmente necesita? ¿Cuánto dinero debe tener para emergencias? Usted puede crear situaciones semejantes y estimar sus necesidades financieras usando nuestros instrumentos de cálculos en el internet.
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Sea cual sea el horizonte que persiga, hay pasos que puede seguir para sentirse confiado en que sus planes financieros lo lleven a una jubilación cómoda. Aproveche el Centro de Ayuda para la Planificación de la Jubilación de Catholic Financial Life en el internet para tener ideas claras sobre lo que debe hacer a fin de prepararse adecuadamente. Desde instrumentos de cálculos hasta artículos informativos sobre temas como la jubilación y de planeación para su futuro financiero, nuestro centro de ayuda para planificación de la jubilación en el internet es un buen sitio para iniciar esta búsqueda.
Take advantage of these free financial T planning tools by visiting our website: p www.catholicfinanciallife.org/planning w These tools help provide base financial T kknowledge and should only be used as estimates. For an in-depth conversation and e to help put these plans into action, reach out to a Catholic Financial Life Advisor today.
Instructions to My Loved Ones Mourning a loved one’s death is one of life’s most difficult tasks. Help make this process a bit ea ier by taking time today to download and complete the free pr n a le book “The Facts of My Life: Instructions to My Loved Ones.” This book contains important information for you to fill out including your biography, family members, financial matters and pre-planned funeral arrangements. These details offer invaluable instructions for those you leave behind. La muerte de un ser querido es una de las situaciones más difíciles que podemos experimentar. Ayude a hacer este proceso un poco más sencillo para su familia, tomándose el tiempo de descargar y completar El Ebook “Hechos de mi Vida: Instrucciones a mis seres queridos“. Este libro le ayudará a reunir importante información acerca de usted, incluyendo su biografía, miembros de la familia, asuntos financieros y acuerdos funerarios preestablecidos. Estos detalles ofrecen instrucciones invaluables para aquellos que deja atrás.
Read more on the web www.catholicfinanciallife.org
Wellness Ebook Series Our Financial Wellness Ebooks can help you through nearly every stage of your life including tips on: • Insurance basics • Curbing credit card debt • Saving for retirement to pre-planning needs • Basics of annuities • Why you need a Will, and much more. Share these with your family and friends compliments of Catholic Financial Life! Take advantage of these free financial planning tools by visiting our website: www.catholicfinanciallife.org/planning. These tools help provide base financial knowledge and should only be used as estimates. For an in-depth conversation and to help put these plans into action, reach out to a Catholic Financial Life Advisor today at 800-927-2547. Aproveche estas herramientas gratuitas de planificación financiera visitando nuestro sitio web: www.catholicfinanciallife.org/planning. Estas herramientas le proporcionan un conocimiento básico y solo se deben usar para hacer estimados. Para una conversación en profundidad y para ayudarle a poner estos planes en práctica, póngase en contacto con un consejero de Catholic Financial Life hoy mismo.
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SUMMERTIME ERTIME FUN!
Mark your calendar for some great family-friendly events this summer! Take Me Out to the Ballgame! Minnesota Twins Game* Sunday, August 20 – 1:10 p.m. Target Field in Minneapolis, Minn.
See the Minnesota Twins take on the Arizona Diamondbacks, in this newest addition to our baseball lineup. Enjoy America’s favorite pastime at Target Field, declared a Top 10 MLB Stadium Experience by ESPN Magazine! Ticket includes a $5 concession credit.
Minor League Baseball
Don’t feel like dealing with stadium traffic or overly-excited fans? Minor League Baseball games provide another option to enjoy the sport without all of the crowds you’ll find at a Major League game. Join in some relaxing fun and cheer on these rising stars!
Saturday, July 8 – 6:35 p.m. Fox Cities Stadium in Appleton, Wis. Watch this Class A affiliate of the Milwaukee Brewers take on the Burlington Bees. Enjoy a complimentary meal before the game, starting at 5 p.m., and fireworks after the game.
Paw Sox Sunday*
Sunday, August 13 – 1:35 p.m. McCoy Stadium in Pawtucket, R.I. View the action as this Triple-A Affiliate of the Boston Red Sox faces the Columbus Clippers. Ticket includes a $10 concession credit.
Big Impact Chapter Events
47th Catholic Financial Life Camp Out
July 21-23 Fireman’s Park in Columbus, Wis. This is one event you won’t want to miss. At only $30 per campsite, you and your family will enjoy kids’ games, horseshoes, bingo, arts & crafts, bocce ball, entertainment, aquatic center, and a pancake breakfast! This year’s theme is “Pioneer Days.”
July 21-23 Summerfest Grounds, Milwaukee, Wis. Join us for this annual celebration featuring authentic Italian foods, music and cultural exhibits. Ride aboard a gondola, enter the Bocce Tournament, and enjoy free carnival rides for kids of all ages!
Milwaukee Zoo Event – July 26 • Madison Mallards Baseball Game – July 30 • Bay Beach Event – August 3 Contact your Chapter to learn more! 10 CATHOLIC FINANCIAL LIFE SPRING 2017
Membership will be verified prior to fulfilling ticket orders. Tickets are available on a first-come, first-served basis.
Take advantage of this offer and save $12 per person on the cost of admission for a full day of family fun, plus FREE parking! Located on the shores of Canobie Lake, in Salem, N.H., the park features 85 rides, attractions and live shows.
Wisconsin State Fair
August 9 State Fair Park in West Allis, Wis. Enjoy a discounted admission price of just $5 on any day of the Fair’s run from August 3-13. If you join us at the Catholic Financial Life hospitality tent, between 5-8 p.m. on August 9, you will receive a complimentary soft drink and cream puff, along with a chance to win some great door prizes! Check out our website, www.catholicfinanciallife.org/events for more info on Society-sponsored events.
Ticket Order Form
Monday, July 3 Salem, N.H.
For Midwest events only. To register for events in New England, please visit www.catholicfinanciallife.org/events.
Canobie Lake Park
Mail completed form to: Mary Opgenorth – Catholic Financial Life, P.O. Box 3211, Milwaukee, WI 53201-3211
*Limit 10 tickets per household for baseball games only.
Please return this form with your payment before June 30, 2017 for the events listed below. Tickets and information will be mailed approximately two weeks prior to the date of the specific event. Timber Rattlers Baseball
Wisconsin State Fair
Saturday, July 8
Wednesday, August 9
___ tickets* @$14 each = $ _______ ___ Age 11 & older ___ Age 3-10 ___ Age 2 & under (free)
___ tickets for Aug. 9 w/cream puff/beverage @$5 each = $ _______ ___ tickets
47th Family Camp Out Friday, July 21 to Sunday,
For admission ONLY on other days @$5 each = $ _______
___ campsites @$30 each = $ _______
Minnesota Twins Baseball Sunday, August 20
___ tickets* @$14 each = $ _______
Festa Italiana Friday, July 21 to Sunday, July 23
Total Amount Enclosed
___ tickets @$5 each = $ _______ ___ Ages 12 & under (free)
$______________________ Mail one check payable to “Catholic Financial Life”
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KATRINA BARGENDER Wisconsin - Chapter 202 Racine
Katrina Bargender is an inspirational young lady. She is 15 years old and a Catholic Financial Life member battling a very rare disease called Takayasu’s Arteritis. The disease causes inflammation in the blood vessels and if left untreated, leads to narrowing of the arteries throughout her body. Despite all the hardships, she focuses on seeing the best in situations and lives her life like a normal teenager.
A Fighter One night in February 2015, Katrina awoke and realized she lost most of the vision in her left eye due to a loss of blood flow to her retina. Katrina was brought to the emergency room and
This Member Moments section is designed to showcase our members’ exceptional community involvement. Have you or another Catholic Financial Life member gone above and beyond the call of duty to support your community? If so, share your story! Please submit your Member Moments on our website: join.catholicfinanciallife.org/ membermoments or call Vicki Vlach at 414-278-6573.
eventually diagnosed with Takayasu’s Arteritis. Doctors told her the arteries to her kidneys had substantial damage and had narrowed by more than 90 percent. There was also narrowing in her aorta and inflammation in her carotid arteries. Since that night, Katrina has met with many doctors and been prescribed a variety of medications, infusions, injections (some she has to give herself) in hopes of reducing the inflammation. Until the inflammation in her arteries subsides, surgery isn’t an option to repair the damage. Nothing can be done to fix her lost vision, but her doctors are working hard to help monitor her treatment to avoid any damage to her right eye. This past September, Katrina traveled to the National Institutes of Health in Maryland to have various scans run and will return to see if she has made any progress. Katrina’s life has been turned completely upside down. She suffers from pounding headaches, constant stomach pain and lacks the energy to do everyday activities. Recently, she began to feel pain in her feet, making it hard to walk very far before having to rest. “I can’t go many places and it’s hard to get together with friends because of my sickness, but I still smile at everyone I meet and try to keep a positive attitude,” said Katrina.
A Kindness for Katrina Last November, four Catholic Financial Life chapters across southeastern Wisconsin sponsored an event called “Kindness for Katrina.” Catholic Financial Life associates, advisors, family and friends helped make this event very special for Katrina, specifically Catholic Financial Life Advisor, Karen Stiles. As an active volunteer 12 CATHOLIC FINANCIAL LIFE SPRING 2017
I loved seeing all of the Catholic Financial Life people herself, Karen played a huge role in making this event a reality. From a silent auction to a name your price bake sale, Karen helped organize a variety of activities at the event. The event made Katrina realize how many people care about her. She was excited to see so many people from her Catholic Financial Life family. She shared, “I loved seeing all of the Catholic Financial Life people that I have volunteered with in the past and knowing they were working to help me was so touching. To know so many people took the time to come and see me and give their support makes my heart just full of love.”
A Hard-Working Student Katrina attends school at St. Catherine’s High School in Racine, Wis. where math is her favorite subject. “I am taking Algebra II and Trigonometry. The challenge of math keeps my mind active and alert,” Katrina shared. She also enjoys her religion classes, which include Hebrew Scriptures and the New Testament. After school, she ends her day at her mom’s work, where she helps out with preschoolers. “Being in the classroom makes me so happy. I love doing activities with the children,” Katrina stated. As she begins to think about college, she realizes an ideal career would be one that lets her interact with children. A pediatric oncologist currently tops her list. Given her own personal battle, she believes she could easily relate to the kids, be a comfort to their families, and help them fight their illness.
A Volunteer Katrina remains optimistic despite all her hardships. One of the things that helps her remain optimistic is giving back to her community. She is a member of the Tucker 4-H club and a junior leader for the Cloverbuds, a younger 4-H group. Throug gh these groups, she helps make soup mix for local food pantriess,
Read more on the web www.catholicfinanciallife.org
that I have volunteered with in the past and knowing they were working to help me was so touching. design Valentine’s Day cards, decorate cookies for the Veteran’s Center, and other community service projects. One of her favorite volunteer experiences was serving as a youth representative on her Parish Council. Her family attends St. Louis Parish and she really enjoyed being an altar server before becoming ill. Through Catholic Financial Life, she has volunteered at many activities including bingo at St. Monica’s and the Veteran’s Center, fundraisers for various families, and a bowling with Santa party. She truly enjoys helping others.
A Make-A-Wish Recipient Katrina was also nominated by her special needs team of doctors to be a Make-A-Wish recipient. She wished for a swim spa and her wish is going to come true! This will allow her to get some relief from her pain while also getting a bit of exercise. All of the details are still being worked out, but when it’s finished, it will be a place where she can exercise and also spend time with her family. To find out how you can help, please contact Karen Stiles at firstname.lastname@example.org. Have you or another Catholic Financial Life member gone above and beyond the call of duty to support your community? If so, share your story! Please submit your Member Moments on our website: join.catholicfinanciallife.org/membermoments or call Vicki Vlach at 414-278-6573. SPRING 2017 CATHOLIC FINANCIAL LIFE 13
SPECIAL MEMBER BENEFITS
JUST FOR YOU! Did you know that as a financial member, you are eligible to apply for a number of special value-added benefits that can enhance your membership? These benefits are one component of membership that differentiates Catholic Financial Life from commercial and mutual life insurance companies. 14 CATHOLIC FINANCIAL LIFE SPRING 2017
• Member Rewards Program - Members may receive savings of up to 70 percent at hundreds of national and local merchants, such as Costco, Disney, Verizon Wireless, Starbucks, and Target! • Additional benefits include estate planning, childhood cancer benefit, special needs benefit, and family protection.
• Scholarships – One of our most popular member benefits, tuition scholarships are available for students from elementary school through college. Members attending Catholic grade schools are eligible for $200, Catholic high schools $500, and colleges and/or universities $500 or $1,000 depending upon whether they are attending a twoyear or four-year institution. • Biz Kids - An award-winning, fun, fast-paced online video series where kids teach kids about money and business. This online series is available to help children, teens and young adults learn about important financial concepts in a way they’ll understand and enjoy.
• Camp - Members are eligible for up to $100 toward the cost of attending a Catholic summer camp. • Retreat - Retreats can be times of discovery, prayer and spiritual growth. Members are eligible for $100 annually toward the cost of a Catholic retreat. • Sacramental - The sacraments of Baptism, First Communion and Matrimony are recognized with a commemorative gift. In addition, confirmands are eligible for $100 toward the cost of their confirmation retreat and seminarians are also eligible for scholarships. • Prayer Network - Intentions can be submitted to our online prayer network and are remembered in Masses celebrated in the All Saints Chapel in the home office of Catholic Financial Life. For full eligibility requirements, to apply for any of these benefits, or to request additional information, contact us at 800-927-2547 or visit www.catholicfinanciallife.org/benefits.
As a financial member of Catholic Financial Life, you are eligible to apply for a number of special benefits that enhance your membership. These educational, spiritual, financial, and wellness benefits are exclusively available to our members.
BENEFITS • Family Care Suite - Catholic Financial Life offers a hospitality apartment for members or members’ families hospitalized in the Milwaukee area. A home away from home, the suite is available at no cost, subject to availability. • Prescription Savings Program - Members and their families can receive prescription savings on name brand and generic medications, vision and hearing care, diabetes care and supplies, and daily living products. • Medic Alert – Members with medical conditions are offered a free first-year membership, which includes the cost of a stainless steel identification bracelet or necklace.
Read more on the web www.catholicfinanciallife.org
AWARDING MORE THAN
IN EDUCATIONAL SCHOLARSHIPS Supporting the spiritual growth of
THROUGH CAMPS AND RETREATS
Global Prayer Network RESPONDING TO MEMBER PRAYER INTENTIONS
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THROUGH SERVING OTHERS “It’s not how much we give, but how much love we put into giving.” - Saint Mother Teresa of Calcutta Want your chapter to be featured in a future magazine? Submit your best photos and detailed captions to email@example.com
At the November Member Celebration of Chapter 97, Wrightstown, Wis., Catholic Financial Life Board Member Dennis Kabat and Chapter Secretary/Treasurer Rosalee Aerts (right) presented 75-year member Mary Buechler, with a commemorative statue of the Immaculate Conception.
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Piping-hot pancakes, french toast, and more were served when Chapter WI-54, Northwest-Suburban/Menomonee Falls, Wis., held an all-you-can-eat breakfast to help raise $1,500 for St. Gabriel School in Hubertus, Wis., thanks, in part, to the Match Fund Program.
At the annual meeting of Chapter 310, Muscoda, Wis., held November 4, Chapter President Theresa Sander presented John Tennant with a rosary in honor of his 50 years of membership.
On February 18, more than 150 members and their families across 12 chapters enjoyed a thrill on the hill at the annual Sunburst Snow Tubing event in Kewaskum, Wis.
Members from Chapter 1152, Linn, Mo., volunteered at the Our Lady Help of Christianâ&#x20AC;&#x2122;s raffle, which consisted of a variety of quilts and a fall arrangement. More than $1,000 was raised at the event.
Santa helped Chapter N035 serve eggs, home fries, sausage, and all the fixings at a Communion Breakfast raising $680 (including Match Funds) for the Saint Vincent de Paul Conference of St. Francis Xavier Parish in Winooski, Vt.
Members from Chapter 279, Hartford/St. Lawrence, Wis., sponsored a collection of items, valued at $2,000, to help raise funds for the Wounded Warrior House Project, a national program to provide housing for veterans.
SPRING 2017 CATHOLIC FINANCIAL LIFE 17
SERVING GOD THROUGH SERVING OTHERS
Members from Chapter 261, Cross Plains, Wis., helped sell t-shirts for a charity ride to benefit the Carbone Cancer Center in Madison. The chapter raised over $950, including $300 in Match Funds and a $100 donation from the chapter.
Members from Chapter 48, Beaver Dam, Wis., assisted in the production of the 33rd Annual St. Katherine Drexel Home and School Association Family Carnival. The event raised $2,000, including $1,000 in Match Funds from the Society. Food donations were also collected and given to the St. Vincent de Paul food pantry.
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Chapter 124, Hewitt, Wis., co-sponsored a Pumpkin Fun Run, on November 12. A total of $500 was donated to the Hewitt Volunteer Fire Department, thanks to funds raised and the Home Office Match Fund Program.
Find the Radiant Cross
We have hidden black and white versions of the “Radiant Cross” icon – like the one you see on this page – somewhere in this publication. Members who correctly identify the location of at least one of the seven Radiant Cross icons hidden in this issue will be eligible for a drawing to receive $25. Please note: the Radiant Cross featured on this copy does not count. Submit your entry by August 4. Visit our website and click on the Spring Magazine link or mail your entry to: Radiant Life Magazine, Catholic Financial Life, 1100 W. Wells St., Milwaukee, WI 53233; Attention: Marketing. Be sure to include your name, address, phone number and the location of the Radiant Cross.
Kid’s Life Page Answers
Time Will Tell: (in order of the puzzle)
ADVENT CHRISTMAS LENT EASTER For All Three:
G K N U Y N O I T P M E D E R
D J R D E S S E L B K K J I N
H H T E B A Z I L E K U L G K
D C N P G P T S T Y D G A T J
Z NV Z Y R F AR T HO J E I A E L J N K B EOO A S S I F UMVCX UAHE L SHCER A A I A L URMGC B B ECR L ARQS K Z CMN SWY Z T
S T I R I P S Y L O H K Z O C
The winner of our Winter issue Radiant Cross activity was Lisa Leszczynski.
Breakfast with Santa, co-sponsored by Chapter 110, Milwaukee-Central, Wis., attracted hundreds of children of all ages, and even some local “royalty.” J.P. Castor, Society mascot, was also on hand for the event.
Read more on the web www.catholicfinanciallife.org
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SPIRITUAL PATHWAYS There are many different ways to experience the richness of the Catholic Faith. These pathways are called charisms, or the divine love that flows through the Holy Spirit, and each takes a different route to the same goal. No one spiritual journey is the best. It depends on individual personalities and past experiences. Many of the spiritual pathways found in the Catholic faith are given voice through certain religious orders. The Benedictines, Dominicans, Franciscans, and Jesuits are just four of the several faith communities that have found truth in the phrase, “Many Parts; One Body.”
Benedictine: Salvation Through the Word The oldest charism, founded in the sixth century by Saint Benedict of Nursia, Italy, calls upon Christians to become fully immersed in scripture reading, formal prayer, and sharing the gift of hospitality. The Benedictines followed the practice of “Lectio Divina”, Latin for “Divine Reading”, a traditional practice of scriptural reading, meditation, and prayer intended to promote communion with God and to increase the knowledge of God’s Word. Fully understanding
the Word of God then leads to a life of cheerful acceptance of visitors, providing a welcoming environment for the stranger to feel at home.
Dominican: Salvation Through Teaching Preaching the gospel is central to Dominican spirituality. St. Dominic of 12th century Spain believed that never-ending study to find the truth about life will lead to God. To Dominicans, preaching is a gift. Through their spirituality, they proclaim the story, the presence, and the grace of the Living Word. Every Dominican preaches, whether from the pulpit, in the classroom, on the street, or at the office. One way to express, interpret, and enter into the mystery of God is through the arts, in ways that capture the imagination, and evoke insight, conversion, and faith.
Franciscan: Salvation Through Love When thinking of the simple life lived well, the image of Saint Francis of Assisi, Italy, comes to mind. Franciscan spirituality is very personal and devottionall. Humiility and d cariing for
DOMINICAN 20 CATHOLIC FINANCIAL LIFE SPRING 2017
the poor are central to the teachings of St. Francis. However, above all else, it is based on one driving force - love. According to Pope Pius XII, “There is, then, a Franciscan doctrine in accordance with which God is holy, is great, and above all, is good, indeed the supreme Good. For in this doctrine, God is love. He lives by love, creates for love, becomes flesh and redeems, that is, he saves and makes holy, for love. There is also a Franciscan way of contemplating Jesus… in his human love.”
Jesuit: Salvation Through Living Saint Ignatius of Spain believed that God is to be found in all things. God is not reserved only for church buildings and Mass. Living life to the fullest, and contemplating upon the miracle of God’s creation in everything we do is central to the Jesuit path. The Ignatian charism shows that this world has been created by God’s love. In understanding this creation, everything is seen as a gift, which we return to God by loving all of creation. Nonetheless, we cannot become so captivated by this world that we lose sight of its purpose, to lead us to salvation. Catholicc Financial Life offers many spiritual benefits to help our members enrich their faith. From financial support for Cath holic retreats and summer youth camps to an online prayer network, we work to support the spiritual growth and devvelopment of our members. To learn more about the spiritual benefits we offer, visit our website: www.caatholicfinanciallife.org/benefits To learn n more about these orders and their unique charisms visit: www. catholiccfinanciallife.org/magazine
SPRING CLEANING YOUR FINANCES
Spring is finally here and our homes aren’t the only things that could use some spring cleaning. Consider making it a habit to use this time to also dust off your financial plan.
Polish Your Budget When it comes to financial planning, the first place many people start is with a budget. Do you have a budget? Is it working for you? If not, consider trying something new. Review your spending habits and determine what cost saving adjustments can be made going forward.
Tidy Up Your Life Insurance Plan Have you recently gotten married or moved into a new home? As things change in your life, so do your financial needs. Life insurance offers a safety net of protection to your loved ones should something happen to you. Try out one of our life insurance calculators to help re-evaluate your coverage. You can find these calculators under Financial Planning on our website.
Dust Off Your Retirement Plan Regardless of your age, there is a great deal you can do to ensure your financial security in retirement. One of those steps is to make sure you are reviewing your retirement plans on an annual basis. This important habit will help ensure you don’t out live your money.
Read more on the web www.catholicfinanciallife.org
As your career progresses, one of your goals should be to maximize your retirement savings. Are you saving enough? Consider increasing your contributions to take full advantage of any employer match. Meet with one of our Catholic Financial Life Advisors to take an objective look at your current plan, and see if you are on target to hit your retirement goals. Learn more about retirement in our Financial Wellness Ebook series under Financial Planning tools on our website.
Refresh Your Beneficiaries When you purchase an insurance policy, retirement product, financial account, etc., you are asked to name a beneficiary. These individuals are eligible to receive the benefits from your policy when you pass away. Have you recently gotten married or divorced? Have you welcomed a child or grandchild? It’s important to review your beneficiary designations frequently to make sure everything is up-to-date. This will allow your assets to go exactly where you want them to. You don’t have to go through the spring cleaning of your finances alone. Contact a Catholic Financial Life Advisor today at 800-927-2547 and they will be happy to help you get organized.
SPRING 2017 CATHOLIC FINANCIAL LIFE 21
MERGER RELATED BYLAW CHANGES In accordance with Section 41(b) of Catholic Financial Life’s Bylaws, the following changes to the Society’s Bylaws are being shared with the membership. These changes to the Bylaws were made by the Society’s Board of Directors following the delegate vote of 321-7 approving the Catholic Financial Life – Degree of Honor Merger Agreement. Approval of that agreement authorized the Board of Directors to make changes to the Society’s bylaws in order to effectuate the merger. The following clause (4) was added to Section 2 (b) regarding Chapter Elected Delegates: (4) Degrree of Honor Delegates. In accordance with the Agreement of Merger between the Societty and Degree of Honor Protective Association (“DOH”), and notwithstanding any provision to the contrary in this section 2(b) or any other section of these Bylaws, the delegates of the Trieennial Council representing chapters that were DOH Service Clubs or Lodges prior to the effecttive date of the Merger (“DOH chapters”) shall be the members of the DOH Advisory Committeee. Following the 2018 Triennial Council meeting, delegates representing DOH chapters shall be elected in accordance with the rules and procedures applicable to the other chapters of the Societty as provided in these Bylaws, except that the requirement in section (2)(b)(3) that such persson be a Catholic member shall not apply to delegates of DOH chapters. The bolded text below was added to Section 38 (b) regarding Chapter Officer Qualifications: (b) Officeer Qualifications. A person in either of the following categories may not serve in any chapter office position: (1) full-time or part-time sales representative of the Society; (2) a member of the Boaard of the Society or any of its subsidiaries. Each principal officer must be a Catholic member w who owns or participates in a financial service or product as determined by the Board, except th hat principal officers of DOH chapters need not be Catholic. Unless the Chapter Policies provide otherwise, non-principal officers need not be Catholic or own or participate in a financial service or product. The bolded text below was added to Section 38 (c) regarding Chapter Officer Retained Positions: (c) Retain ned Positions. Any Society member elected to the position of a Catholic Family Life Insurancee chapter officer and serving in that capacity as of the effective date of the merger of Catholic Knights K and Catholic Family Life Insurance or as an officer of a DOH Service Club or Lodge and serving in that capacity as of the effective date of the merger of DOH and the Society shall be eligible to continue to serve in that position and seek reelection, while the individual remains a member of the Society until leaving the position in the normal course, regardlesss of whether the member satisfies eligibility requirements under the Society’s Articles of Incorpo oration and/or Bylaws.
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See answers on page 19.
Read more on the web www.catholicfinanciallife.org
SPRING 2017 CatholiC FinanCial liFe 23
Catholic Financial Life 1100 West Wells Street Milwaukee, WI 53233
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professional. In short, the types of information disclosed will vary depending on the needs of the recipient and the sensitivity of the data. We extend our privacy protections to both current and former members.
Information Security CFL protects your personal information from unauthorized access as follows: •
CFL limits and restricts employee access of policyholder, insured and applicant information to those employees with a legitimate business reason for such access.
We maintain physical, electronic and procedural safeguards to protect your personal information from unauthorized persons.
Access and Correction There are procedures by which you can obtain access to personal information about you appearing in our policy files, including information contained in investigative consumer reports. We have also established procedures by which you may request correction, amendment or deletion of any information in our files which you believe to be inaccurate or irrelevant. A description of these procedures will also be sent to you upon request.
Obtaining Additional Information
Important Notice Regarding the Privacy and Information Practices of Catholic Financial Life (For information only – no action required)
We at CFL hope that you will find this privacy notice and description of information practices helpful. We take our responsibilities, and your rights, very seriously. If you have any further questions about our privacy and information practices, please contact our home office at (800) 927-2547 or write to us at P.O. Box 3211, Milwaukee, WI 53201.
PLEASE KEEP THIS NOTICE FOR YOUR RECORDS
Notice effective Jan. 1, 2017. This notice replaces any and all previous versions.
Catholic Financial Life 1100 West Wells Street Milwaukee, Wisconsin 53233 (800) 927-2547
Important Notice Regarding the Privacy and Information Practices of Catholic Financial Life
organization may retain a copy of the report and may disclose its contents to others for whom it performs such services.
At Catholic Financial Life (CFL) we take great pride in providing financial security to you and your family through various insurance and annuity programs that we offer. We want you to know that the privacy of your personal information is very important to us. That’s why we have established policies, procedures and safeguards to protect the information you give us and to limit whether and how this information is shared.
Disclosures by Catholic Financial Life
All personal information is treated with respect and concern for your privacy. We reserve the right to disclose your personal information to the extent permitted by law. Our disclosures may include the following: •
We may disclose the above categories of personal information about you to affiliated and nonaffiliated businesses, such as reinsurers, in order to complete transactions you have requested or to comply with legal requirements such as subpoenas or tax and fraud reporting.
We may disclose the above categories of personal information about you to affiliated and nonaffiliated businesses, such as inspection companies and title companies, which perform business services on our behalf.
We may disclose the above categories of personal information about you to firms that perform marketing services on our behalf and other organizations with which we have joint marketing agreements.
We may disclose the above categories of personal information to CFL sales advisors and independent brokers who are authorized to sell CFL products.
We may share personal information such as names, addresses and chapter function photos with our affiliated fraternal chapters, which use is strictly limited to fraternal purposes (such as mailing you information for branch picnics, fundraisers, volunteer activities, CFL’s Member Magazine, etc.).
We may share personal information with our affiliates only as permitted by law.
Collection of Information In order to properly underwrite and administer your insurance coverage and other programs and benefits, we must collect a certain amount of necessary and helpful information. The amount of and type of information collected may vary depending on the products, services and benefits, but in general, CFL may collect the following categories of personal information about you. •
The information you provide on applications or other forms, such as your name, address, social security number, salary, etc.
Information about your transactions with us, such as your contract coverage, premium payment history, and other such information.
Information we receive from consumer reporting agencies and inspection companies, such as your credit history.
Information about your age, occupation, physical condition, health history, mode of living, avocations, and other personal characteristics.
You are our most important source of information, but we may also collect or verify information by contacting medical professionals and institutions which have provided care to you or members of your family proposed for coverage, employers and business associates, friends and neighbors, and other insurance companies to which you have applied. We may collect information by exchanges of correspondence, by phone or by personal contact. In addition, your CFL advisor may collect information intended to aid in the update and improvement of your insurance program. In some cases, we may ask an insurance support organization to collect information and submit an investigative consumer report to us. That
CFL will not disclose your contract or account numbers to any nonaffiliated businesses, except as necessary to complete business transactions or other purposes for which you have provided specific authorization. Please be assured that the above describes some of the disclosures which may be made, not disclosures which are always or even often made. In any event, the information disclosed without your authorization will be only as much as is reasonably necessary to accomplish the intended purpose. For example, we would ordinarily disclose only names and addresses to our service providers. Information relating to physical condition or medical history would ordinarily be disclosed only to your attending physician or treating medical