Estate Planning 2016
A special supplement produced by Peninsula Daily News and Sequim Gazette
PENINSULA DAILY NEWS/SEQUIM GAZETTE
Estate Planning 2016
is a special supplement published by the Peninsula Daily News & Sequim Gazette Advertising Department 305 W. First St., Port Angeles, WA 98362 147 W. Washington St. Sequim, WA 98382 peninsuladailynews.com | 360-452-2345 sequimgazette.com | 360-683-3311
Interested in contributing to the Estate Planning 2017 special section? Email Special Sections Editor Laura Lofgren at email@example.com for more information on how to submit an article idea.
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PENINSULA DAILY NEWS/SEQUIM GAZETTE
Integrational wealth planning a win-win Submitted by Casi Fors and Joseph Fors, wealth managers, Fors Financial Consulting Discussing the transfer of wealth from parents to children can be uncomfortable for both parties. Yet by introducing children to the wealth management process from a young age, affluent families may be able to reduce family tensions later in life and help ensure that the planning tradition passes intact to future generations.
future wealth and reluctant to discuss it until their children are older and have proven how well — or poorly — they handle money.
EMBRACING THE PLANNING PROCESS
One strategy that may help families overcome planning challenges is to think about wealth planning not as a one-time exercise, but as a process that you live with every day — and that you integrate into children’s lives at a very early age. For instance, when children are young, you can teach them to divide their allowances into three portions — one for saving, one for spending and one for giving. CLOSING THE Consider matching their giving and saving money and COMMUNICATION GAP set an example by handling your own money in a similar Opening the dialogue about wealth fashion. transfer is a complicated, personal deciOnce children become teenagers, allow them to make their sion that is influenced largely by how own decisions about how they spend their money and, as difwealth holders themselves have been ficult as it may be, allow them to live with the consequences brought up to view money and the respon- of their decisions. sibilities that come with it. As children make the passage to adulthood, gradually For instance, some individuals may fear involve them in the family business as well as the family’s that discussing wealth with their children charitable giving activities. will lead to feelings of expectation and entitlement. Others may simply prefer to control all money issues themselves. CREATING A WIN-WIN SOLUTION Still others with young children may be uncertain about their Certainly, the more wealth a family has, the more impor-
tant it becomes to make managing wealth a process, especially if wealth has existed for multiple generations and there are instruments such as family foundations in place. In this way, early involvement helps families prepare heirs for their future role as stewards of the family wealth. It also helps develop the skills and experience needed to manage a family business or wealth plan, while ensuring that such knowledge is shared and passes successfully to the next generation.
WORKING WITH PROFESSIONALS
Working together with your team of planning professionals — your financial advisor and estate and/or tax planner — you will be able to assess your current situation and develop first steps toward implementing a plan of action. For information on consultation, contact Casi Fors and Joseph Fors, wealth managers, at Fors Financial Consulting PS, 360-457-6116. For more information about Fors Financial Consulting, visit www.forsfinancial consultion.com. (This communication is not intended to be tax or legal advice and should not be treated as such. Each individual’s situation is different.
>> WIN-WIN, continued on 5
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PENINSULA DAILY NEWS/SEQUIM GAZETTE
A tax-saving way to help your favorite nonprofit
Investment Services AT FIRST FEDERAL INVESTMENT SERVICES, WE KNOW THAT THE SAVINGS AND INVESTMENT DECISIONS THAT YOU MAKE TODAY WILL IMPACT YOUR FINANCIAL FUTURE
By Jamie Maciejewski, executive director, Habitat for Humanity of East Jefferson County
Mutual Funds • Annuities • Stocks • Bonds • IRAs • Retirement Planning Wealth Management • Insurance: Life, Disability and Long-Term Care College Savings • Retirement Plans for Businesses
If you are 70 ½ years old or older, you can take advantage of a simple way to benefit Habitat for Humanity of East Jefferson County or another favorite charity and receive tax benefits in return. You can give up to $100,000 from your IRA directly to a qualified charity without having to pay income taxes on the money. For some people, taking the required minimum distribution from their IRA puts them into a higher tax bracket — something you may want to avoid. By directing your IRA custodian to send your distribution directly to your favorite charity, you can avoid this tax penalty while supporting a cause you care about. This makes your gift stretch further than it would otherwise, and you get the joy of seeing
your gift at work during your lifetime. This law no longer has an expiration date so you are free to make annual gifts to your chosen organization this year and well into the future.
WHY CONSIDER THIS GIFT?
• Your gift will be put to use today, allowing you to see the difference your donation is making. • You pay no income taxes on the gift. The transfer generates neither taxable income nor a tax deduction, so you benefit even if you do not itemize your deductions. • If you have not yet taken your required minimum distribution for the year, your IRA charitable rollover gift can satisfy all or part of that requirement.
>> NONPROFITS, continued on 5
Call Halina today to learn more about First Federal Investment products and services
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Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. First Federal Investment Services is a trade name of First Federal of Port Angeles. Infinex and First Federal of Port Angeles are not affiliated. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
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PENINSULA DAILY NEWS/SEQUIM GAZETTE
<< NONPROFITS, continued from 4
<< WIN-WIN, continued from 3
ANOTHER GREAT OPTION
You should contact your tax and/or legal professional to discuss your personal situation.)
You can support us with your IRA regardless of your age or financial needs during retirement. Just name Habitat for Humanity of East Jefferson County or another nonprofit organization as a beneficiary of the account. This costs you nothing today, and you retain complete control over your account during your lifetime. As a nonprofit organization, we do not have to pay income or estate taxes on the gift and can put 100 percent of your gift toward our mission.
WANT MORE IDEAS?
When you are looking for ways to benefit Habitat for Humanity of East Jefferson County or another favorite charity, you shouldn’t feel like you are choosing between your philanthropic goals and financial security. Here are some ideas: • You can name your chosen organization as a beneficiary of your life insurance policy or retirement plan. • A Charitable Gift Annuity allows you to support our work while providing you with
fixed payments for life. • A “life estate” allows you to donate your home during your lifetime while continuing to live there as long as you like. I am happy to discuss any of these options with you, and we encourage you to consult your tax or legal advisor for help with your specific situation. Always be sure to get the full legal name and tax number of the organization you wish to support; they should be happy to provide that to you or your advisor.
Securities offered through LPL Financial, Member FINRA/SIPC. Financial Planning and Investment advice offered through Financial Advocates Investment Management, DBA Fors Financial Consulting, PS, a registered investment advisor and separate entity from LPL Financial. Casi Fors is the lead financial advisor and the face of the Fors Financial Consulting firm. In 2002, she started her career as an independent financial advisor. Her wide breadth of experience spans more than 14 years and her wealth of knowledge skillfully
guides the office. Casi’s specialties include comprehensive financial planning, investment planning, fee-based asset management and 401(k)/403(b), small business retirement investment strategies. Casi can be reached at 360-457-6116 or email@example.com. Branch Operations Manager Joe Fors is a financial advisor and the lead client services representative. He is responsible for day-to-day business operations, as well as the back office processing. Joe has designed the interoffice systems of data management that keep Fors Consulting accountable and on top of our clients’ needs. As a former intelligence analyst with the United States Air Force, Joe’s skill set lends a particular insight into the analytical support afforded to clients in order to address their specific needs. Joe can be reached at 360457-6116 or firstname.lastname@example.org.
Jamie Maciejewski has served as executive director of Habitat for Humanity of East Jefferson County for more than nine years. One of the best parts of her job is sharing people’s joy when they see their resources making a difference in the lives of others.
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PENINSULA DAILY NEWS/SEQUIM GAZETTE
Civil legal aid services benefit counties attorney for finances, health care and a health care directive (or “living will”), this event will be held in Clallam County. The Jefferson County advance directives clinic will be held Saturday, Jan. 28. Clallam-Jefferson County Pro Bono Lawyers (CJCPBL) The first part of the clinic is an informational session on difwill provide estate planning services starting in early 2017, ferent advance planning documents and how they work. beginning with advance directives clinics in both Clallam and In the second part of the program, participants can meet with Jefferson counties. volunteer attorneys to complete their own advance planning On Sunday, Jan. 15, CJCPBL will provide low-income community members with the opportunity to learn about and prepare documents. Participants will have the opportunity to walk away with their advance planning documents, such as a durable power of By Shauna Rogers, executive director, Clallam-Jefferson County Pro Bono Lawyers
legally effective power of attorney documents and health care directives. A wills clinic also will be offered in addition to the advance directives clinics. The Clallam County wills clinic is scheduled for Saturday, Feb. 11. In Jefferson County, the clinic is Saturday, Feb. 25. These clinics are designed to pair low-income, high-priority clients with a volunteer attorney to draft a will at no cost.
>> PRO BONO, continued on 7
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Whatever your preference, Olympic Medical Center Foundation will guide you through your choices to arrive at the best one for you, your family, your business or your estate. The mission of OMCF is to improve the lives of patients at Olympic Medical Center. Learn more at www.omhf.org or call the OMCF office at 360-417-7144.
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PENINSULA DAILY NEWS/SEQUIM GAZETTE
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a will and have accompanying health care directives.
All Clallam County events will be held at the Landing Mall in Port Angeles, 115 E. Railroad Ave. The location of the Jefferson County events are yet to be determined.
WHAT IS PRO BONO LAWYERS?
Clallam-Jefferson County Pro Bono Lawyers is a nonprofit volunteer lawyer program that provides civil legal aid in both Clallam and Jefferson County. EVERYONE NEEDS A WILL All services are provided by local volunteer attorneys. Many people think that if you’re low-income, you don’t need Because there is no right to an attorney in civil cases, these a will. This simply is not true. Even if you don’t have many services are in high demand. assets, a will is important because it protects your wishes and Civil legal matters often have a direct effect on the most desires for your valued belongings and helps keep peace among basic human needs, and the cost of hiring an attorney for family and friends after a death. representation is far beyond what most people can afford. This Anyone who owns real property should have a will, even if means a large percentage of people in this community face there is not a significant amount of equity in the home. complex legal issues without any assistance. Additionally, many young people think they don’t need a CJCPBL provides free, high-quality legal aid and advocacy will. This is also untrue. to low-income residents at or below 200 percent of the federal Young people want to be prepared in case of an unexpected poverty guideline. emergency. It’s in these instances that a will and health care Services can vary greatly, as some cases are as simple as directives often matter most because family and friends are educating clients about their rights and responsibilities while unlikely to know what you want. other clients have more complex problems that may require full if you don’t have a will and health care directives and berepresentation. come incapacitated or pass away, general wills and estates laws Issues such as loss of housing or health care, foreclosure, created by our state Legislature will govern how your estate collections, custody issues, domestic violence or sexual assault will be administered. are among the most common. While this may be consistent with your wishes, there is still a CJCPBL began the drop-in clinic program in March 2014. chance it may not be. They are provided on a quarterly basis in Clallam and Jefferson In order to ensure you have a say in what happens to you, counties, respectively. your family and your belongings, it’s always advisable to make These programs offer low-income clients a chance to meet
How will you be remembered?
The Clallam Community Foundation is a collection of separate funds established to provide health and human services to residents of Clallam County. The Foundation is a vehicle for arranging gifts to support a particular issue or agency you are passionate about. The Foundation encompasses three types of funds - United Way Funds, Named Funds, and Partner Organization Funds. Distributions that are made from fund earnings allows the principal to be preserved as a permanent endowment.
United Way Funds
Earnings from the McCool Fund are dedicated to Early Learning, funding Great Beginnings projects to help children and families get ready for kindergarten. In 2016 $50,000 were allocated from this fund.
with an attorney and receive assistance with a wide range of civil legal issues. Clients do not need to make an appointment, as they can simply drop-in. This service is offered outside of the regular community office and outside of normal hours of operation. Clinics are held at various places around the community, usually on Saturdays. This is done with the intention of reaching clients who are unable to make an appointment on weekdays. Drop-in clinics meet a huge unanswered need, as so many low-income clients are unable to access legal services for a number of reasons. Clinics help eliminate many of the barriers that prevent people from seeking legal assistance. Additionally, volunteering for legal clinics is a very rewarding way for local attorneys to give back to our community. If you are interested in attending a general law drop-in clinic or if you would like more information on the advance directives and wills clinics, phone Executive Director Shauna Rogers at 360-504-2422. Shauna Rogers has been the Pro Bono Lawyers executive director since 2013. Before serving as executive director, she worked as the Clallam County Family Law Court facilitator. Rogers has revitalized Pro Bono Lawyers over the past few years, bringing in new volunteers, new grant monies, and starting new clinics, including a free advanced directives clinic for low-income seniors and a Spanish language clinic on the West End.
Named Funds are created by individuals or families to honor a loved one and continue a legacy of giving. In this type of fund, the donor or appointed family member works with fund advisors to make distributions in line with the donor’s wishes. A Named Fund can be directed toward a general purpose, such as services for youth, or toward a specific list of agencies. For example, The Carol Munro Fund provides assistance to children in low income families while the Mac and Phyllis Munro Fund grants scholarships to students in the Clallam Bay area. The Foundation’s Named Funds awarded scholarships to graduates of Clallam County high schools in the amount of $43,625 for the 2016-17 school year.
Seven local non-profit organizations have established funds within the Clallam Community Foundation to ensure a continued source of revenue to further their missions in support of Clallam County residents. The newest partner is the Peninsula Trails Coalition which set up a fund to ensure the continued maintenance and support of the Olympic Discovery Trail. United Way welcomes donations to the Community Foundation for the benefit of any of these organizations: Clallam County Literacy Council North Olympic Library Foundation North Olympic Timber Action Committee Olympic Peninsula YMCA Peninsula Behavioral Health Peninsula Trails Coalition Port Angeles Food Bank
What will your legacy be?
There are many ways to create or contribute to an endowment fund. Your estate attorney, financial planner or insurance agent can help you determine which type of legacy gift best fits your wishes and needs. United Way of Clallam County is also licensed with the Washington Secretary of State to provide Charitable Gift Annuities.
For more information on setting up a fund or making a contribution to an existing fund, contact United Way at 360-457-3011 or firstname.lastname@example.org.
U n i t e d Wa y o f C l a l l a m C o u n t y
The Orville Ninke Fund was established to assist low-income seniors with unmet needs; from basic utility bills to home repairs that will enable older folks to remain in their homes.
What matters to you? Do you want to see results from your charitable gifts while you are alive, or leave a gift in your will? Can you provide for your heirs and also leave a portion of your estate to a cause you care about?
Distributions from United Way Fund in the Foundation are determined annually by the United Way Board of Directors. Earnings from the Undesignated Fund can be allocated among the Partner Agencies to enhance the community support provided by the campaign, or used as grants to help agencies identify new sources of potential support. Recently, United Way of Clallam County was fortunate to accept a donation from the Estate of Scott Preston Ewing in the amount of $150,000. This will increase the UW Endowment Fund, expanding its earning capacity along with the impact of community services provided by our partner agencies.
PENINSULA DAILY NEWS/SEQUIM GAZETTE
Making appropriate funeral arrangements
as the family gives a funeral home the information, they enter it into the system and assign it to the deceased’s primary care physician. ach time I sit down with someone to make funeral arrangements for The doctor gets it immediately, but they do have up to two business days to complete it. Once someone they have just lost, I ask them if they first have any questions or completed, it is electronically filed, and the county health department issues the burial/transit permit. concerns that they want to address right away. This system also is electronically connected to Social Security and not only notifies them of the I do this so they know from the start that they are in charge. death, but will tell the funeral home if the Social Security number the family provided matches the The death of a loved-one can leave a person feeling helpless, so anything I deceased’s name. can do to help them regain a sense of control helps them as they begin moving If the family chooses cremation, the next-of-kin signs a cremation authorization document. through the process of arranging for final disposition. In Washington state, you can sign your own when you make pre-arrangements with a funeral Most often they say, “This is the first time I have ever had to do this. I don’t director. If you have not made pre-arrangements, it falls to the next-of-kin to sign, which sometimes even know what to ask.” complicates matters for the individual who came to the funeral home to finalize things. With this in mind, I thought I would address the actual process of what happens when a death Washington state law says we must first look to a surviving spouse or registered domestic partner, occurs. then to a majority of the (adult) children of the deceased, to parents, siblings, etc. It begins with a phone call from where the death occurs. It might be a hospital, nursing home or Often times, I have to explain to the person sitting down to plan things they do not have the “right a hospice nurse calling from your home. of disposition” — that is, we must get someone else’s signature on the cremation authorization I also receive calls from police who are at the scene of traffic fatalities or who have been called to before we can proceed. a residence where someone has died. The obvious question usually at this point is, “What do we do if we can’t secure those signaIn all these events, I am immediately dispatched to the place of death to bring the deceased back tures?” to the funeral home where I place them in refrigeration until I can determine from the next-of-kin In Washington state, we must hold the deceased in refrigeration for 90 days while the family what is to be done next. and funeral home exercise due diligence in searching for the responsible individual(s). We can This brings us to the meeting at the funeral home, which typically takes place the following day. then proceed with just the signature of the individual who came in as being the “most responsible Gone are the days where everyone had a funeral. At least, that is true on the North Olympic party.” Peninsula. Nearly 90 percent of the families I meet with ask for cremation without any viewing or There is not the same requirement to gather signatures when the family selects burial. Any famimmediate ceremony whatsoever. ily member may act on behalf of the other members to arrange for a traditional burial. There are a variety of reasons for this. It is certainly the least expensive option; however, most of the When burial is selected, there are a few other considerations. The family is asked to bring in the families I serve tell me more and more how they are planning their own goodbye either at some special clothing in which they wish to have the deceased buried. place they intend to scatter the ashes, or they are waiting for a future date when relatives can gather. There is then the coordination with the cemetery the family has chosen. Some families choose The other 10 percent who want a traditional burial can still count on Drennan & Ford Funeral burial, but still do not wish to have a ceremony. When there is a ceremony, we coordinate with the Home and other funeral homes to have various caskets and other items needed for a funeral. church or other place, such as a tribal community center. Drennan Ford works with cemeteries, clergy, musicians and airlines (when the burial is not local) If the deceased was a veteran of the U.S. military, and the family can provide the honorable disto help the family plan the ceremony. charge (DD-214 form), we are able to obtain a U.S. flag for the family, file for any military benefits Regardless of the type of service the family requests, we must first file a Washington state the family may be due and secure a burial or urn-placement in any national cemetery the family may death certificate and obtain a burial/transit permit. This document allows the funeral home to wish to use. This last benefit is available to all veterans and their spouses, minor children and adult proceed with either a burial, cremation or transportation of the deceased across the state line to dependent children. their final destination. There are times when the deceased has left an insurance policy that was purchased to cover the Part of the meeting with the funeral director is to gather this information for the death certificate cost of funeral or cremation arrangements. If this is the case, I would assist the family in filling out from the family. a claim form that allows them to have the insurance company pay us directly and send the excess In 2013, Washington state introduced the Electronic Death Registry System, which means as soon proceeds back to the family. The most important thing I want my clients to understand is that they are in charge. The process of arranging for a burial or cremation need not be complicated, take hours to complete or include any form of sales-pitch. I always recommend taking a friend with you whenever making funeral or cemetery arrangements. Don’t just call around; make an appointment and go to the establishment and meet with them face-to-face. If at any point you feel frustrated or taken advantage of, get up, walk out and call another funeral home, even if your loved-one has already been brought to their establishment. Everyone has the JUDITHPEACELAW@GMAIL.COM right to be treated with care and respect, regardless of the level of service they request, by licensed knowledgeable professionals. By Douglas R. Ticknor, Drennan & Ford Funeral Home and Crematory, Port Angeles
Judith H. Peace Attorney
720 E. WASHINGTON ST., #109 SEQUIM, WA 98382
Douglas Ticknor is a licensed funeral director and embalmer with 25 years experience and has for the past 13 years been with Drennan & Ford Funeral Home and Crematory in Port Angeles. He can be reached at 360-457-1210 or email@example.com. For more information, visit www.drennanford.com or search Facebook.
PENINSULA DAILY NEWS/SEQUIM GAZETTE
Your helping hand can be their lifeline Recovering from mental illness is a difficult struggle. Thanks to support
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By Katie Irvin, MS OTR/L Compression fracture. Debilitating weakness. Frail. Say what? These conditions are not to be associated with Larry. This man seemingly waltzed his way--yes, he was frequently seen on the dance floor enticing other individuals to join during a therapy session--in and out of Crestwood, with a smile the entire time, no less. Here is a man that completely embodied how a positive
Peninsula Behavioral Health is the largest not-for-profit behavioral healthcare center on the Olympic Peninsula, attitude, an affinity for socialization, and a deep appreciation
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and strengthens our isolated community. It is not too late to make your 2016 contribution with us, which may be tax deductible. If you are
Mr. Larry Owen, enjoying a walk in the sunshine.
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9:00 am – 5:00 pm Monday thru Friday Securities offered though LPL Financial, Member FINRA/SIPC. Investment advice offered through Financial Advocates Investment Management, DBA Fors Financial Consulting, a Registered Investment Advisor and separate entity from LPL Financial.
Casi Fors, AIF® & Joseph Fors Wealth Advisors 1001 E. Front St, Port Angeles 360-457-6116 • www.ForsFinancialConsulting.com
PENINSULA DAILY NEWS/SEQUIM GAZETTE
Hospice care explained in letter to mom well equipped. It was a great gift to be able to provide that care. You knew somehow when it was time to shift hope and precious energy to fulfilling the plans you made for the final moDear Mom, ments. Because of hospice, we were able to keep you at home. Even though you are gone, as I grow older and with the pain The equipment we needed, the medications for your pain and of experience adding up behind me, I want to thank you again. comfort and the necessary supplies were all provided by hosThe gifts you have given me — of love, wisdom and even pice. The hospice nurses and the hospice team taught us how to the decisions you made for early advance care and estate plancare for you and for ourselves. ning — have grown more and more meaningful. I remember one particular nurse sitting with me, allowing me I still remember seeing you in the dawn of your retirement, to shed the tears I needed to shed, allowing me to grieve. your lifelong healthy body now racked with pain; your once Your final decisions became meaningful conversations. You strong body becoming frail. were even able to make me one final birthday dinner, sharing What was supposed to be the beginning of retirement for you food together for one final celebration. and dad, a wonderful journey of exploring our great country You even had your jewelry sorted, going to each special in this hard-earned stage of life, instead became full of doctor person you chose. You gave final financial gifts, too, while you appointments, testings and procedures. were still around to hand them out personally. I remember getting the test results. Even as a nurse, I rememConversations will forever be remembered, as they are mober not knowing quite what they meant, but that it wasn’t good. ments we continue to share with each other when we want to They gave you a few years. feel your presence. You taught me how one could live up until the end. You and When you no longer spoke, the hospice nurses guided us dad planned ahead for your home, your power of attorney for through those final days. Hospice was there since the conversahealth care and your finances. tion where you told me you wanted to focus on the quality of By planning ahead, dad and us kids knew your priorities; we the time we had together, that you were done with the doctors didn’t have to figure it out alone. You kept it from being a last- visits, the treatments and the side effects. minute crisis for all of us. I took you to talk to your doctor. I remember how he was so We gathered family around, some you hadn’t seen in years. sad, knowing he wouldn’t see you again. I think he felt like a Memories were shared, and forgiveness was given. The little failure. I hope he knew we never thought that. ones, now graduating from college and building their lives, After that doctor’s appointment, you felt better, you had have precious photos of the times they were with you, with that more energy, your mind cleared, your pain was under control. smile showing your love for them. We were able to go to a pumpkin patch and eat caramel Mom, you allowed me to care for you, and as a nurse I was apples loaded with sprinkles. We even made applesauce. Knowing it would be Christmas soon but you wouldn’t be here, you arranged for each of us to receive a gift. It was just four short months later when the end came. You opened your eyes, a single tear trickled down your face, and you took your last breath. Your family was circled around you, sharing in that moment. The love in that room was overwhelming. By Brenda Francis, nurse liaison, Assured Hospice of Clallam and Jefferson Counties
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Brenda Francis is an RN and nurse liaison at Assured Hospice of Clallam and Jefferson Counties. She has a Bachelor of Science in nursing from the University of Wisconsin, Madison, 1996. Francis has been working at Assured Hospice since July 2015. She has cared for her mother and her aunt with the assistance of hospice in Wisconsin. Assured Hospice of Clallam and Jefferson Counties is located at 24 Lee Chatfield Ave. in Sequim. For more information about hospice care at Assured Hospice of Clallam and Jefferson Counties, phone Francis at 360-582-3796 or visit www.lhcgroup.com.
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I held your hand as your heartbeat slipped away. Now I know, that final stage of life, it isn’t the same for everyone. So many people think hospice is giving up but you showed me that it’s not. Your fight just shifted focus to your family and doing what brought you peace and joy. You once told me you hoped for 10 more years, enough to see the grandkids grown. But when it wasn’t going to be 10 more years, your priorities came shining through. That was the gift, showing us how to live, even when we are dying. Thank you mom. Love, Brenda
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Advice for planning for your pet’s future ing to accept this critical responsibility. Write down step-by-step instructions explaining how to care for your pets. Our pets are important members of our famDoes the pet have a medical condition, speily, and they depend on us to take care of all cial diet, exercise routine or behavioral habits? their needs. Include their medical history and your vetHave you considered what will happen to erinarian’s name and number. them if you are no longer able to provide for Be sure to tell your family and friends where them due to death or disability? these instructions are kept. Have a plan in place that will give you peace It is of vital importance to set up a fund for of mind knowing your loved companions will your pets that will cover food, supplies, medialways be cared for. cal and dental care, grooming, etc. Identify caregivers, people who are willing Consider your current expenses for all their to responsibly care for your pets after an emer- care and their life expectancy. gency, as well as those willing to adopt your It’s best to guarantee your wishes are folpet should you die or become incapacitated. lowed by making formal arrangements with an Post their phone numbers prominently on your attorney and drawing up a will or trust or other refrigerator for quick reference. documents that specify the details of care. Carefully choose people you trust who will Carry an I.D. card in your wallet listing the do what is in their best interest, including apnumber, names and types of animals in your propriate veterinary treatment. home, your vet and designated caregiver’s Keeping in mind that people’s life situations name and phone number. change, also identify an alternate caregiver. Also post emergency pet contact informaMake sure that they understand and are will- tion in an easily seen spot in your home.
By Danette Grady, executive director, Peninsula Friends of Animals
companion animals will receive the care you want for them for the remainder of their lives. For more information, phone Danette Grady at Peninsula Friends of Animals at 360-4520414, ext. 3. A portion of this material has been reprinted with permission of 2nd Chance 4 Pets.
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List your name and phone numbers, the number and type of animals in your home with a brief description of the pet, location of pet food and meds, and veterinarian and caregiver name and number. Taking the time now to follow these guidelines will help to ensure that your loved
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We bring compassion HOME. When you or your loved one is facing the final stages of life, quality of life matters more than ever. At Assured Hospice, you can count on us to help you or your loved one live comfortably, with dignity, when a cure is no longer possible. Our team of specially trained professionals delivers expert medical care, pain management and emotional and spiritual support tailored to your needs. Our team of experts includes: • Designated medical directors • Registered Nurses • Social Workers • Spiritual Counselors • Certiﬁed Nursing Assistants • Trained Volunteers
Dr. Paul Cunningham, MD Medical Director
Additionally, Assured Hospice is proud to offer our patients free access to CareFlash – an online support program that easily keeps you in touch with family and friends through your own private care community and the Phillips Lifeline medical alert service – a service available to qualifying patients at no cost as part of the plan of care. Compassion • Dignity • Respect. This is hospice care at home.
To learn more about our hospice care services, please call us today.
Dr. Michele Stafford, DO Medical Director
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Hospice is covered by Medicare, Medicaid and most private insurance. This may include the cost of all medications, supplies and equipment related to the hospice diagnosis.