Special Sections - Estate Planning 2018

2018

Estate Planning INSIDE: Navigating changing funeral traditions, page 4 Social media accounts, page 7 Charitable giving and tax code, page 8

An advertising supplement produced by Peninsula Daily News and Sequim Gazette

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Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

E

state planning is tailored to the circumstances in each individual’s situation. Usually, estate planning includes the creation of a will, limiting estate taxes by setting up trust accounts in the name of beneficiaries, appointing a guardian for living dependents, appointing an executor of the estate to oversee the terms of the will, making funeral arrangements and establishment of annual gifting to reduce the taxable estate.

Estate Planning 2018

is an advertising supplement published by the Peninsula Daily News and the 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

ESTATE PLANNING ONLINE RESOURCES

Here are just a few websites that can help you get started on the necessary legal forms for your estate planning: • washingtonlawhelp.org • legalvoice.org/planning-death • wa-wills.com • endoflifewa.org • giftplanning.wsu.edu/personal-estate-planning-kit

regional publisher | Terry R. Ward general manager | Steve Perry advertising director | Eran Kennedy special sections editors |Brenda Hanrahan and Laura Lofgren

The Foundation has ten named funds: A & J Minton Scholarship Albert and Helen Mangan Fund Dick and Peggy Owens Fund The McCool Family Fund The Bright-Haygood Copsey Fund The Hull Family Fund The Carol Munro Fund The Fish Family Fund The Mac & Phyllis Munro Scholarship Fund The Orville Ninke Fund

The following non-profit organizations, providing health and human services in Clallam County, have dedicated funds in the Foundation: Clallam Mosaic Clallam County Literacy Council North Olympic Library Foundation Olympic Peninsula YMCA Peninsula Behavioral Health 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. 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 info@unitedwayclallam.org.

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Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

Young parents: Include this info in wills

By Metrocreative

A will is a legal document that contains instructions as to what should be done with a person’s money and property upon that person’s death.

While no young parent wants to think of their own mortality, parents must have wills to ensure their families are taken care of how they see fit in the wake of their deaths.

When devising a will, young parents should consult a legal professional to ensure they have covered all the bases.

But the following is some of the basic information young parents should include in their wills.

• Guardianship: Young parents should include instructions regarding guardianship of their children should they pass away while the children are under the age of 18.

Parents should not assume that their wishes regarding guardianship, even if those wishes had been expressed often, will be followed should they pass away without a will.

If no will has been written, laws may

dictate that children go to a spouse or the deceased’s closest relative.

Even if parents’ wishes regarding guardianship align with the law, they

money and property is distributed to their heirs in accordance with their wishes.

Parents should be as specific as possible when dictating their wishes regarding their assets.

Doing so will prevent disputes and ensure their assets are assigned exactly how they intended them to be.

For example, parents who have invested in real estate and own more than one home should list the address of each property when assigning the homes to their heirs.

• Executor: This person ensures the deceased’s wishes are met and works with the deceased’s attorney to ensure assets are allocated in adherence to the will.

Before naming an executor, parents should first speak with the person to determine if they are willing to do so.

The responsibility of serving as an executor is an enormous one, and parents’ initial choice may already be serving as executor of another estate and not want the additional responsibility.

Turn

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Parents/Page 7

Not affiliated with any national organization, Olympic Peninsula Humane Society is YOUR local agency, giving 2nd chances to animals for a happy, loving home.

Each of us begins life with a blank sheet of paper. As we go through the days and years, we write our story through our thoughts and doings.

As you write your story through your deliberations and deeds, will there be a chapter devoted to philanthropy? And will it include a gift to the Boys & Girls Clubs of the Olympic Peninsula?

Please consider a legacy gift in your will or trust.

Because they have given us so much love in our lifetime, we’ll help care for them tomorrow.

Our hope is that your book of life will include many wonderful thoughts and experiences regarding your relationship with us and that your chapter on philanthropy will include something like, “What I Gave to the Boys & Girls Club and Why.”

“

should still spell those wishes out in writing in their wills.

• Assets: Young parents should use their wills to assign their assets so their

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Contact OPHS for your free, legacy catalog which outlines all the ways to leave a lasting gift in a clear and simple format.

I know how much the Club has given to me and that comes from people donating their time and money. I just never knew before the Club that I personally could give to others.

”

— Cody Mireau, Club Alum and 2017 Boys & Girls Clubs of the Olympic Peninsula Youth of the Year

360.457.8206

www.ophumanesociety.org

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We will be happy to guide you in finding the right way to express your support of the Boys & Girls Club. We can be reached at 360.683.8095 or jgray@bgc-op.org. | www.bgc-op.org

IT’S SIMPLE, EASY & MAKES A DIFFERENCE

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Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

Navigating changing funeral traditions They stopped traffic at all the intersections so the procession could roll through the red lights.

No more.

This got me thinking about As times other traditions and customs change and tradithat have changed or disaptions are updated, peared and what that means for altered or even the folks who rely on services I discarded for variprovide. ous reasons, I It helps to know how some sometimes find things get started. myself in the Take embalming, for example. uncomfortable Ticknor Modern embalming (as opposed position of having to say to someone making funeral to how the ancient Egyptians did arrangements for their loved-one it) started during the Civil War that something we used to offer is as a way to get soldiers home from far-flung battlefields. Its no longer available. purpose was to hold the natural I had covered most of the processes of death at bay long details for one particular man’s enough to get them home and funeral when his wife asked me still be able to have a viewing about the funeral procession.

That final journey in a hearse to which would last for several days.

Long before that, flowers the cemetery with all of the cars would be used to help mask the following with their headlights on. I hated to tell her that nowa- smell associated with those prodays people just meet at the cem- cesses of death.

A guest book would be placed etery. She remembers the escorts for all to sign so the family could when her dad died years earlier.

By Douglas R. Ticknor Drennan & Ford Funeral Home and Creamatory

know who visited and where to send acknowledgment cards.

People wore black to show they were in mourning or to show their support for the family.

Funeral homes would send a car for the family to come make funeral arrangements and would have another car to transport flowers to the church, the cemetery and sometimes back home.

Funeral homes started out as residences and had large sitting rooms where families could gather and pay their final respects. The funeral director usually lived there. Later, in response to fewer people who attended church regularly, funeral homes added their own “chapel.”

The largest cultural shift in American funeral service was in the adoption by the public of cremation as an alternative to traditional burial.

Already the tradition in many Eastern countries, more and more Americans are choosing cremation.

You can give our kids a safe and welcoming place to receive specialized treatment.

It would take a whole other article on the religious aspect, most notably the changes brought about since the Catholic Church decreed cremation as acceptable (or at least, not forbidden) in 1965 at the Second Vatican Council recommending, “… the pious custom of burial be retained; but it does not forbid cremation, unless this is chosen for reasons which are contrary to Christian teaching.”

Suffice to say that the practice has become widespread since then.

Yet another article could be written (and many have) on the decades-long corporate acquisition of funeral homes across the country and the resulting government regulations that together have caused funeral prices to skyrocket.

But something else has happened. Something that has nothing to do with funerals or cremation.

Before I explain what this

“something” is, let’s establish that times have, indeed, changed.

We do not, for the most part, live in the town where we grew up. We are a mobile society, and families are scattered far and wide, usually due to having moved to where we found employment.

Families are rarely placed together in the same cemetery.

We are busied by our lives and our technology, missing out on important birthdays, anniversaries or even births and deaths.

So when the subject of what to do when a death occurs, knowing all of this, we say, “Just cremate me.” (Insert the usual funny line about spreading the ashes somewhere you can’t actually place human cremated remains). After all, we don’t want to inconvenience anyone.

Back to “something.” I call this “something” that I speak of “the arrogance of our humility.”

Turn

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Traditions/Page 5

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BLACK AND WHITE PAGE Estate Planning Traditions/from page 4

Peninsula Daily News/Sequim Gazette

ing your family “I just want cremation.”

Most people, if asked what Nearly 90 percent of those who they want to be done in the event die on the Olympic Peninsula are of their death, will do two things. cremated.

First they will, almost with I can’t blame them. After all, pride, declare they don’t care, it nobody wants to be a burden to doesn’t matter to them. They are their family. Or maybe we just a “simple” person who is above want to be scattered at our favorneeding any of the trappings of ite fishing hole because that is any form of ceremony.

“Just dispose of the body,” they where we enjoyed life the most.

We all desire to honor the might say. wishes of our loved ones, but the Second, and this is more subproblem is those wishes fail to tle, they will ignore what those take into account what we want closest to them want to do for to do for them, not to mention them, brushing off any ideas of that we have seen decades of cor“wouldn’t it be nice if…” to the porate-owned funeral industry point that both are joking about it as if the event will never come. greed that has resulted in people being very apprehensive to what Trust me. It comes for all of us.

This “something” is a huge cul- services funeral directors can offer. tural shift away from our tradiGovernment regulations tions all because we have passed down to the next generation that started requiring funeral direcwe don’t matter. There is nothing tors to itemize every little thing they were asked to do (see Fedsacred or special about our boderal Trade Funeral Rule of 1984), ies. Our bodies are “just a shell.” which resulted in thinking that In our profound humility, we arrogantly forget to ask what our absolutely everything you discuss with your funeral director caused loved ones want to do for us.

So let’s skip to the inevitable your bill to go higher. end of the story where we see the Sadly, this is true in many unintended consequences of tell- funeral homes.

November 2018

5

ing on to our children how to deal with the loss.

By ignoring it, other unintended problems arise.

Douglas Ticknor I once had an Irish priest ask Licensed funeral director and embalmer me to remove the astro-turf the cemetery had laid down around the grave. He wanted the family to see the dirt around the grave.

How can you still receive prodeceased will be targeted by He said, “You Americans work thieves during the service, or fessional service to help you so hard to avoid the reality of their identity might be stolen.

For honor a meaningful life in a way death.” others, perhaps the loved one felt that won’t break your bank?

The whole death process has their story wasn’t important, or Sixty percent of Olympic Penbeen sanitized, leaving friends they were a very private person. insula families who have had a Another consequence is the pro- and loved ones feeling like there loved one pass are having some should be something more, but sort of memorial or celebration of liferation of what I call “cut-rate” they are not sure what. cremation establishments that life with no help from a funeral I am not judging here. If a advertise heavily in our area, but director. Either people don’t see family doesn’t want a service of do not have facilities, staff, vehicles any value, don’t know what proany kind, I respect that. They or anything other than a commisfessionals offer or find no way sioned salesman to promise “every- have their reasons. around expensive options.

I would be remiss if I didn’t The biggest unintended conse- thing will be taken care of.” But suggest a way you can tell if your when a death occurs, these estabquence is one that I deal with funeral director is “on your side” every day: A person calls wanting lishments can force a family to and genuinely want to help, or if to know when the services are for wait up to 18 hours to respond to a he or she just wants to sell you death on the Peninsula. their good friend, only to be told something.

The collective consequence of the family did not wish to hold After telling your funeral a generation of people who any services. director you would like to have Many families even have opted insisted their lives were not your loved one’s body cremated, important enough to hold some out of publishing an obituary. ask them what else they can help type of event when it ended has There are many reasons for this. you with. caused a ripple effect.

For some, it is the very real conMost notably, we are not passcern that the home of the Turn to Traditions/Page 6

“We all desire to honor the wishes of our loved ones ...”

Your Story Is Our Story We

have a responsibility that goes way beyond helping people buy and sell homes.

We too are home owners. We too have parents and loved ones planning their estates. Whether you are downsizing, and exploring your retirement dreams, or you’ve inherited an investment property from a loved one’s estate, we’re here to help.

We offer a full range of real estate services. Let us start by getting to know you and your needs, so we can better represent you in all aspects of the transaction, from marketing to negotiations. We welcome your call.

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Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

Protect yourself: Learn the truth behind four common myths about life insurance

By Brandpoint

If you haven’t made solid financial plans for the future, now would be a good time to consider a life insurance policy that could protect you and your family in your time of need or protect your loved ones in your absence.

Given the importance of life insurance, it’s astounding that 37.5 million American households lack such a policy, according to the 2016 Facts About Life study by the industry group LIMRA. That might be because many people misunderstand how such policies work and how much it costs.

For example, recent Insurance Barometer studies by LIMRA and Life Happens found 63 percent of Americans cite expense as the reason they don’t carry term insurance, yet 80 percent overestimate the cost — millennials by 213 percent and Gen Xers by 119 percent.

While some Americans hope to rely on other sources to protect their families, they might not realize all the benefits life insurance offers.

Every family has different needs, and some life insurance products are flexible enough to offer customizable options to provide a measure of financial security to your spouse and children — the people that matter most.

Some other common myths about life insurance of which you should be aware of include: Myth: Life insurance is only available through financial advisers.

In fact, quality, strong-valued policies for your entire family are often available through your employer or your

spouse’s employer.

Talk to your company’s human resources department about the process involved in securing comprehensive coverage for your family.

Myth: Workplace policies can’t offer enough options for your needs.

You’ll find that well-established life insurance companies understand the market well enough to offer a range of flexible products, including policies that are payroll deductible, stable in cost regardless of your age, portable when you’re changing jobs and available with add-on riders or other insurance types through the same carrier.

Myth: Young, healthy people don’t need life insurance.

The truth is, your health can change at any time and it’s best to expect the unexpected.

Further, uninsured people can easily leave behind personal, medical or mortgage debts and/or funeral expenses that end up burdening family members or executors when they die.

Myth: Your life insurance policy only covers you, not your family.

Not true.

Some products protect you, your spouse, your dependent children and even your grandchildren, often at one affordable cost.

That’s why marriage and becoming a parent can be excellent reasons for buying new policies.

Investing in life insurance is a crucial step to take when it comes to protecting yourself and your family from unexpected losses.

But it doesn’t have to be confusing or complicated.

Traditions/from page 5

ELDER LAW Michael Hatch Attorney at Law

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If most of the following conversation adds to the bill, get up and walk out of the office. Find another funeral home, and ask them to take over.

I know some funeral homes that have dealt with the increase in the cremation rate by raising the cost of caskets. Others have done away with licensed professionals and replaced them with a sales staff. Some create multipage price lists with confusing “packages” that offer discounts if you buy everything in that package.

Small-town, family-owned funeral homes do exist.

They may have done away with the expensive limousine family car and the flower car, but they can provide something the cut-rate places cannot and the corporate places will not: Ever-increasing service without ever-increasing costs.

Douglas Ticknor is a licensed funeral director and embalmer at Drennan & Ford Funeral Home and Crematory in Port Angeles, the only locally owned funeral home and crematory in Clallam County.

He can be reached at 360-457-1210 or douglas@ drennanford.com. For more information, visit drennan ford.com or find it on Facebook.

Estate Planning

Peninsula Daily News/Sequim Gazette

Plan ahead to remove, ensure legacy with social media accounts

Memorialized accounts have some key features, including: Peninsula Daily News • The word “Remembering” will be shown next to the person’s name on their With the integration of social media profile. into our daily lives, it might be odd to • Depending on the privacy settings of think about what happens to our accounts the account, friends can share memories after we pass away. on the memorialized timeline.

But it’s something to take into consider• Content the person shared (example: ation when planning for your death.

Facebook, Twitter, Instagram, Snapchat photos, posts) stays on Facebook and is and Pinterest are among the most popular visible to the audience it was shared with.

• Memorialized profiles don’t appear in online platforms. public spaces such as in suggestions for So what can you do to ensure your legacy lives on online, or becomes erased per- People You May Know, ads or birthday reminders. manently after your death?

• No one can log into a memorialized account.

FACEBOOK • Memorialized accounts that don’t Facebook is the leader of social media have a legacy contact can’t be changed. accounts, and chances are you have one.

A legacy contact is someone you choose Facebook has been adapting their polito look after your account if it’s memorialcies to cater to our impending departures ized. Once your account is memorialized, by allowing users to select in advance your legacy contact will have the option to whether they want to have their account do things such as write a pinned post for memorialized or permanently deleted. your profile, respond to new friend Memorialized accounts are a way for people on Facebook to remember and cele- requests, update your profile picture and cover photo, and request the removal of brate those who’ve passed away. your account.

You can choose to either appoint a legYou also have the option to allow your acy contact to look after your memorialized account or have your account perma- legacy contact to download a copy of what you’ve shared on Facebook. nently deleted from Facebook.

A legacy contact can’t log into your If you choose not to have your account permanently deleted, it will be memorial- account; remove or change past posts, photos and other things shared on your timeized if Facebook becomes aware of your line; read your messages; or remove any of passing. your friends or make new friend requests.

If you or someone you know did not plan in advance, someone can report a TWITTER profile to be memorialized, or verified Twitter does not seem to have made immediate family members can request many changes to its “after death” policies in removal of a loved one’s account. recent years, but here’s what you can do.

Memorialized accounts are a place for friends and family to gather and share memories after a person has passed away.

Turn to Social/Page 9

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November 2018

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8

eSTATe PLANNING

PENINSULA DAILY NEWS/SEQUIM GAZETTE

November 2018

Planned giving begins with a simple vision By leslie lauren & sHeila everett olyMPic view coMMunity FounDation

The majority of our generous charitable donors on the Olympic Peninsula give because they care about this community and they hold certain causes close to their hearts, rather than because of tax incentives.

At the end of 2017, one of the largest tax reform bills in three decades was signed into law.

Among the revisions to the code, there are implications for charitable giving, both now and as you plan your estate.

The tax code itself provides plenty of incentive to be well informed so that you can maximize your philanthropy and minimize your tax bill.

Donors may deduct up to 60 percent of their Adjusted Gross Income (AGI), up from 50 percent.

While that’s great news, it will only apply to a small percentage of donors who itemize because fewer donors will itemize due to the change to the standard deduction.

Other tax law changes might actually be problematic for many donors and for nonprofits doing the work that matters to them.

“BUNCHING” AND THE STANDARD DEDUCTION With the change in the standard deduction — mortgage interest, state and local taxes, charitable giving and other expenses — it is estimated that the percentage of people itemizing their deductions will drop from 30 percent to 4 percent.

For some, that might affect charitable giving.

A change in giving patterns could have a profound effect on nonprofit budgets,

Some key changes to the new tax law include: • New Charitable Deduction Limit is now 60 percent of Adjusted Gross Income (AGI) • New Standard Deduction of $12,000 for individuals and $24,000 for joint filers.

• New Estate Tax Exemption levels of $11 million for individuals and $22 million for couples.

WHAT ARE THE ADVANTAGES OF A COMMUNITY FOUNDATION DAF? Simply stated, Olympic View Community Foundation (OVCF), serving greater Clallam County, is rooted right where you live.

• We possess local knowledge and relationships.

• We can offer a wealth of information — every aspect of community — arts, economy, environment, wellness, food and agriculture, education, neighborliness and equity, throughout Clallam County.

• We have the ability to leverage contributions of many donors and other partners.

WHAT IS A DAF? • Our nominal fees make it possible for DAFs are charitable giving vehicles established at community foundations and the foundation to work on pressing community challenges, develop new ways to other public charities. put local resources to work and Over time, you or your designees make recommendations to a community founda- strengthen local nonprofit organizations.

When you establish a DAF at a commution (or other public charity) about the causes or specific organizations you would nity foundation, you receive the tax benefits for which you are eligible at the time you like to benefit from distributions from make your gift, and you (or your successor your DAF. Other public charities include the chari- advisers) may make recommendations on grants to specific charitable programs. table arms of financial institutions, such These funds can be spent down over a as Fidelity Charitable.

However, there are distinct advantages specified time period or may be set up as a long-term endowment for perpetual of setting up your DAF with your local grant making. community foundation. cash management and services.

“Bunching” is the practice of consolidating multiple years of charitable giving into a single year through a Donor Advised Fund (DAF).

Bunching makes it possible for you to take advantage of the charitable deduction when your bunched gift, combined with other eligible expenses, exceeds the standard deduction.

The DAF allows you to maintain your typical annual giving patterns while smoothing the contribution income that nonprofits receive.

OLYMPIC MEDICAL CENTER FOUNDATION

Help Sustain the Future

of Health Care in Our Community There are so many ways to support quality health care in our community.

Learn more at www.omhf.org or call the OMCF office at 360-417-7144.

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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.

REDUCING TAXABLE INCOME If you are 70½ or older and have an Individual Retirement Account (IRA), you must take a Required Minimum Distribution (RMD) from your IRA. Qualified Charitable Distributions (QCD), distributions made directly from your IRA to a charitable organization, can help reduce your taxable income.

QCDs are not included in your taxable income which may reduce your taxes, depending on your circumstances.

While DAFs are prohibited from accepting QCDs, a community foundation can offer other options, such as designated, pass-through, field-of-interest and other funds that make it possible for you to specify your wishes prior to the foundation receiving the gift.

WHAT ABOUT SS BENEFITS? The taxable portion of your Social Security (SS) benefits might be reduced if you are eligible for a QCD from your IRA. For low-income taxpayers, you can reduce the amount of your benefits that are taxable.

Lowering your Modified AGI (MAGI) through a QCD gift has a compounding effect because you avoid taxable income on the QCD amount, and you potentially reduce the tax on your SS benefit amount.

HOW CAN A QCD AFFECT THE WAY MY SS BENEFITS ARE TAXED? If you are in a high-income bracket, keeping your AGI as low as possible has additional benefits.

It increases the amount of your medical expenses that are deductible because medical expenses are only deductible if they exceed 7.5 percent of your AGI. turn

to

GivinG/Page 11

Estate Planning Social/from page 7

Peninsula Daily News/Sequim Gazette

ent company, Facebook; users’ accounts can either be memorialized or removed.

However, there is one big difference In the event of the death of a Twitter between Facebook and Instagram: While user, the social media platform can work Facebook allows users to choose which of with a person authorized to act on behalf of the estate, or with a verified immediate these options they prefer before they die, family member of the deceased to have an Instagram does not.

If you see an account on Instagram that account deactivated. belongs to someone who’s passed away, After a user submits a request for the removal of a deceased user’s account, Twit- you can report it for memorialization.

If you’re an immediate family member ter will email you with instructions for proof that person, you can request the viding more details, including information about the deceased, a copy of your ID and a account be removed from Instagram.

Instagram will memorialize the copy of the deceased’s death certificate. account of a deceased person when a valid Twitter is unable to provide account request is received. access to anyone regardless of their relaIt requires proof of death, such as a link tionship to the deceased. to an obituary or news article, to memoriIn order to respect the wishes of loved ones, Twitter will remove imagery of alize an account. deceased individuals in certain circumInstagram doesn’t allow anyone to log into a memorialized account. stances. Immediate family members and The profile of a memorialized account other authorized individuals can request the removal of images or video of deceased doesn’t appear differently from an account that hasn’t been memorialized. individuals via its privacy form.

Memorialized accounts can’t be changed When reviewing such media removal requests, Twitter considers public interest in any way. This includes changes to likes, factors such as the newsworthiness of the followers, tags, posts and comments.

Posts the deceased person shared, content and may not be able to honor including photos and videos, stay on Insevery request. tagram and are visible to the audience INSTAGRAM they were shared with. Memorialized Instagram’s policy on accounts of the accounts don’t appear in public spaces, deceased aligns closely to that of its parsuch as people’s Explore section.

Verified immediate family members may request the removal of a loved one’s account from Instagram. When you submit a request for removal, Instagram requires proof that you’re an immediate family member of the deceased person, including the deceased person’s birth certificate, the deceased person’s death certificate and proof of authority under local law that you are the lawful representative of the deceased person, or his/her estate.

SNAPCHAT Snapchat does not currently allow you to decide what should happen to your account when you die.

Neither Snapchat’s Terms of Service agreement nor the support section of its website say anything about what happens to the accounts of deceased users.

The surest way to know what will happen to your Snapchat account is to make a plan and leave any necessary instructions to the people who will be wrapping up your estate.

If you do not make a plan, after your death your Snapchat account will probably continue to exist for an unknown period of time before Snapchat will delete it.

If you want to control what happens to your account, either plan for it to be deleted, or tell your loved ones how to log

November 2018

9

into it and what to do with it when they get in.

PINTEREST Pinterest can deactivate a deceased person’s account if a family member gets in touch with them.

If you’d like Pinterest to deactivate a deceased person’s account, email care@ pinterest.com with the following: • Your full name • The full name and email address on this person’s account • A link to their Pinterest account.

• Documentation of their passing (death certificate, obituary or news article) • Your relationship to the person with documentation to verify it, such as birth or marriage certificate, public mention of relation, family tree, family/household records or notarized proof of relation Making plans for your social media accounts after your death can be a complicated, confusing and risky endeavor.

But with policies changing to with regard to users’ passings, perhaps the process will simplify and streamline in the near future.

In the meantime, make a plan for all of your accounts as soon as possible.

Consider someone you trust to watch over your online presence once you’re gone.

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10

Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

YOU Can Make the

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What should you be doing to prepare for retirement?

Top tips and tactics from financial advisers

By Brandpoint

You’re 10 years or less away from retirement. You can clearly see the next phase of your life down the road and it’s coming up fast.

Are you ready for it?

Do you have a comprehensive plan in place so you don’t outlive your savings?

If you’re not as prepared for retirement as you should be, you’re not alone.

The Federal Reserve did a study and found that one-fourth of Americans have no retirement savings or pension.

And a Money article reports 56 percent of Americans have less than $10,000 saved.

Why aren’t more people prepared?

There are myriad reasons. Some people are stretched thin.

Credit card debt, student loans, rising mortgage and interest rates all conspire to make it difficult for them to save.

Others may lack information on the importance of retirement savings, or lack the financial savvy to be comfortable managing their own investments.

And then there’s the gap between men and women.

The Federal Reserve’s study found that among women with any level of education, investment comfort is lower than among similarly educated men.

Yet, retirement is waiting just around the corner.

People need good advice to help them build their nest eggs before “someday” becomes “now.”

Turn

to

Tips/Page 13

Peninsula Law Firm PLLC 11086 Rhody Drive

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Comprehensive Estate Planning Revocable Living Trusts & Wills

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That’s why the National Association of Personal Financial Advisors (NAPFA), a national organization representing feeonly financial advisers, conducted a poll of its members to get their top tips and advice for people who are nearing retirement.

They want to raise consumer awareness about the urgency of preparing for retirement and the importance of having a comprehensive plan in place.

Here are the best tips, advice and tactics for retirement planning from the top financial advisers in the business.

1. Make a list of retirement “needs” and “wants.” If you do not have enough savings for all of your “needs,” make a 10-year plan to increase your funds.

2. Take a hard look at any major debts you have and develop a plan to eliminate them.

3. Brainstorm any “big ticket” financial commitments (caretaking for a family member, etc.) for the next 10 years and consider how these items might affect your ability to save for retirement.

4. Continually monitor and analyze your asset allocation to make sure it is the right one for you.

Understand whether you should move to a more conservative asset allocation or continue investing for growth.

5. Be tax efficient with your investments. For example, you should defer as much of your salary as you can to your defined contribution plans.

P.O. Box 59, Port Hadlock, WA 98339 T R U S T A D M I N I S T R AT I O N

P R O B AT E S

Estate Planning Giving/from page 8

Peninsula Daily News/Sequim Gazette

November 2018

11

THE IMPACT OF A QCD ON YOUR SS BENEFITS TAXATION

Lowering your AGI also reduces the potential 3.8 percent Net Investment Income Tax (NIIT) on investment earnings for high-income taxpayers as this tax is also based on your AGI. If you are a high-income taxpayer, lowering your AGI also might help you avoid higher Medicare Part B premiums, as these monthly premiums are now tied to your AGI figure on an annual basis.

WHAT MATTERS TO YOU? As your partner in philanthropy, a community foundation is committed to sharing information and resources to help you maximize your philanthropy and minimize your tax bill.

But, ultimately, it comes down to what matters to you. What are the needs you see in our community, what are the causes you really care about? What breaks your heart, or fills your life with joy and purpose?

From the arts and music, to food banks and animal welfare, there are literally thousands of dedicated people working on nonprofit programs such as housing, access to health and dental care, youth activities such as scouting, 4H and outdoor education, and healthy food for all, to name a few.

OLYMPIC VIEW FOUNDATION/ WHATCOM COMMUNITY FOUNDATION

THE FIRST STEP IS YOU While your attorney or financial planner can provide the best advice on your individual taxes and estate planning, the first step is up to you: What do you hope to accomplish with your charitable giving?

Whether gifts are made during your lifetime or as a memorial bequest, there are literally hundreds of worthy organizations locally that would benefit from your generosity, and there are many ways to put your charitable investments to work right here at home.

At OVCF, which serves Clallam County, a variety of funds illustrate how we help donors identity and support programs they are passionate about.

Donor services include establishing donoradvised funds, agency funds, managing planned gifts and providing avenues for donors to be a vital part of community solutions. Annual contributions, direct transfer of assets from IRAs, donation of life insurance policies and legacy gifts are just a few ways that your funds can make a huge difference.

For example, this past year OVCF set

to

Giving/Page 13

and a copy of our workbook, “What my family should know.” It allows you to record important information all in one place, ultimately saving your family time and worry later.

Kurt Anderson

Senior Vice President, Financial Advisor, Co-Branch Manager

Jodi Kortman Vice President, Financial Advisor

Joe Denhart

Senior Vice President, Financial Advisor, Co-Branch Manager

Eric Schaefermeyer Associate Vice President, Financial Advisor

Chris Simmons

Ray Chirayath Financial Advisor

Senior Vice President, Financial Advisor

Sean Simmons Financial Advisor

917 E. Front St. | Port Angeles, WA | (360) 565-7500 | (877) 779-4321

8B2235580

D.A. Davidson & Co. member SIPC

Turn

Call us for an appointment

Developing a financial roadmap designed to complement your personal financial goals is an important first step in creating your legacy. Attention to detail can make all of the difference in the outcome. Do you know if your assets are titled to protect your legacy? Together with the resources available at D.A. Davidson, we provide our clients with advice to help them reach and protect their financial goals.

The Strength of Advice – it’s what makes us different.

up a fund to meet the charitable goals of longtime Sequim resident Mary Whitmore.

A portion of this generous woman’s estate has been designated to benefit the Sequim Chapter of Project Linus and Bells Angels, a local hand bell performance group; both of these groups were close to Whitmore’s heart. A longtime advocate for youth, the Mary Whitmore Memorial Fund also established a scholarship fund for graduating high school seniors.

12

Estate Planning

Peninsula Daily News/Sequim Gazette

November 2018

Tips for writing a loved one’s obituary

By Metrocreative & Peninsula Daily News

Coping with the death of a loved one is never easy.

Even those comforted by the acknowledgment that a recently deceased friend or family member lived a full life may still struggle with the sense of loss that comes with the passing of a loved one.

Upon the passing of a loved one, an individual is often tasked with writing an obituary.

Some people may find writing an obituary is cathartic, providing an opportunity to tell a loved one’s life story and indicate how unique the deceased was.

Because writing an obituary is not something people are asked to do every day, it’s understandable if many men and women don’t know where to begin.

Obituaries do not necessarily have to follow a formula, but the following tips can help people compose an obituary that conveys who their deceased loved one was and how much this person meant to friends and family.

• Contact your local newspaper.

Newspapers usually have obituary guidelines that govern things such as writing style and obituary length.

At the Peninsula Daily News, Sequim Gazette and Forks Forum, paid obituaries can either be written by the family or by a newspaper staff member.

Visit the newspapers’ websites (peninsuladailynews.com, sequimgazette. com or forksforum.com) and fill out a prepared form online, or write your own version and email it to obits@peninsuladailynews.com (this email address works for all three newspapers).

The cost of an obituary depends on the length (per column inch) and differs for each paper, as do their deadlines.

Photos from any time period are accepted. The picture must be a glossy print or sent electronically. If sending via email, the photo must have a file extension of .jpg or .tif.

For more information, call 360-4528435.

• Do not feel obliged to include cause of death.

While acquaintances who first learn of a person’s death via an obituary may be curious about cause of death, loved ones of the deceased do not have to include such information if they are uncomfortable

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doing so.

Many obituaries never include such information, so readers likely won’t expect it.

Those who are comfortable including such information in the obituary may find it helps them avoid having to answer numerous inquiries about the loved one’s demise at the ensuing visitation and funeral services.

• Include some biographical information.

Obituaries are typically more than simple announcements of death.

Some simple biological information can shed light on who the deceased was and his or her personal and professional accomplishments.

Avoid getting too detailed, though.

Remember the length of an obituary directly affects its cost.

But biographical information like full name, place of birth, family (spouse, children, grandchildren, etc.), military service, place of employment, charity work and hobbies can give readers an accurate idea of the life your loved one lived.

• Include donation information.

Well-wishers who read the obituary might want to send flowers or make donations to express their condolences.

Include the family preference regarding flowers or donations in the obituary.

When requesting donations be made to the deceased’s favorite charity, include the charity’s full name and contact information or a website in the obituary.

• Include visitation and funeral information.

Be sure to include the day, location and visitation hours for viewings.

If the funeral will be public, include the day and time of the funeral as well.

• Have the obituary ready one to two days before the services are scheduled.

Publishing the obituary a couple of days in advance of visitation hours gives loved ones of the deceased time to arrange to visit and pay their respects.

• Seek assistance with writing the obituary.

Taking on the task of writing an obituary yourself can be daunting. Having a friend or another family member there to help you can aid in accuracy, and you’ll more than likely end up sharing happy memories of the departed.

eSTATe PLANNING

PENINSULA DAILY NEWS/SEQUIM GAZETTE

November 2018

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tiPs/FroM Page 10

GivinG/FroM Page 11

6. Save to an emergency fund and stay aware of your company’s financial situation. Companies are prone to reorganizations and layoffs, and older workers can be vulnerable.

7. Ask your human resources department about the relationship between your current health insurance and Medicare, as well as what your options are when you reach age 65. Get information about any pension or defined contribution options and any other retiree benefits.

8. Research when stock-based compensation might expire and what stock awards you can retain after retirement.

9. Double check your reported Social Security earnings and resolve any discrepancies now. Explore your Social Security claiming options and make sure you understand the timing of applying for benefits.

10. Make sure that all of your estate documents are up-to-date.

Verify that your named executors and proxies know your wishes and are willing to act on them if needed.

If you think you’ll need help creating and sticking to a financial plan, NAPFA recommends working with a fee-only financial adviser who

Other fund examples include the Peninsula Friends of Animals Lifetime Care Fund, which was established to provide loving care for cats when their owners can no longer provide care (due to illness or death). A chapter of the Back Country Horsemen established a fund to honor a member who passed away. The Dennis Boyd Memorial Trail Fund supports trail maintenance expenses and purchased equipment for this hard working group.

You also might wish to support local community projects or new programs that have not yet attained 501(c)3 nonprofit status. In these situations, organizations such as OVCF can serve as fiscal sponsor, accepting your taxdeductible donations to support these projects.

The possibilities are endless when donors consider their passion and vision for charitable investments in their communities.

Tax information courtesy of Whatcom Community Foundation.

Leslie Lauren has more than 25 years of nonprofit experience in fund and program development and project management, primarily in human services. She has continued to focus on “her calling to support nonprofits” through work as a marketing communications and fund development consultant for various local organizations, including Volunteers in Medicine of the Olympics, Dungeness Valley Health & Wellness Clinic, Clallam Mosaic and OVCF, among others.

Sheila Everett joined OVCF in 2017 after several years with United Way and the Clallam Community Foundation. She helped administer Albert Haller Foundation grants for 12 years and is familiar with a broad range of nonprofit organizations and local government funding of health and human services throughout the county.

adheres to a strict fiduciary standard.

These advisers are required to put your best interest first and don’t accept commissions on the products they recommend, which reduces potential conflicts of interest.

For more information and

resources on retirement planning, check out NAPFA’s infographic about the poll.

To find a Fee-Only financial adviser in your area, visit the NAPFA website at napfa.org and NAPFA’s “Find an Adviser” search engine.

Been meaning to make your Will but don’t know where to start?

It doesn’t have to be that way.

Your estate plan can meet your goals for financial security while helping others.

Jamie Maciejewski, Executive Director 360.379.2827 | director@habitatejc.com

For decades our firm has helped people put the important decisions about their property into effective yet simple Wills that make sure their wishes are met.

I can demystify the process and help you begin.

Please contact my office to request my worksheet “Getting Started.”

We’ll get it done together.

H. Clifford Tassie JOHNSON RUTZ & TASSIE

Attorneys at Law, PLLC

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Everyone needs a Will, but the task of making one can feel hard and confusing.

14

eSTATe PLANNING

PENINSULA DAILY NEWS/SEQUIM GAZETTE

November 2018

Charitable gifts that help pay your income and reduce your taxes while supporting Habitat for Humanity or another charity by transferring assets to fund the trust.

When you are making your Not only does this pay income financial plans, consider support- to you or your beneficiaries for ing the work of an organization life, but you also receive an that is important to you. income tax deduction the year The most well-known plans you transfer assets to the trust. include wills, bequests or naming The remaining portion of the your favorite organization as the trust, after all payments have beneficiary of your retirement or been made, goes to Habitat for other accounts.

Humanity or your charity of However, some estate planning choice. tools can provide you with Benefits: income during your lifetime, as • Receive income for life for well as potential tax advantages. you or your heirs.

These strategies let you receive • Receive a charitable income income for life while ensuring tax deduction for the charitable that all families have access to portion of the trust. safe and affordable housing.

• Create your lasting legacy of If you are considering this type hope and community by bringing of gift, we recommend you conpeople together to build homes. sult with your financial adviser and a gift planner.

CHARITABLE GIFT ANNUITIES CHARITABLE REMAINDER You can transfer assets to a TRUST charitable gift annuity and You can receive income for life receive income for life.

By JaMie MacieJewski HaBitat For HuManity oF east JeFFerson county

This plan allows you to give a substantial donation to a charity while receiving tax-favored income for life.

Charitable gift annuities offer attractive payout rates for those who want to receive income and provide families the opportunity to become self-reliant through building safe, affordable housing.

Benefits: • Very attractive payout.

• Payments can be made annually, quarterly or monthly.

• A portion of the payout can be tax-free.

• Immediate tax deduction for a portion of your gift.

• Your gift passes to Habitat for Humanity outside of the estate process.

For more information, contact Jamie Maciejewski at director@ habitatejc.org or 360-379-2827.

Then, consult with your tax adviser and lawyer to determine which planned gift strategy is best for you.

Jamie Maciejewski is the execu- Humanity of East Jefferson tive director of Habitat for County.

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Estate Planning

Peninsula Daily News/Sequim Gazette

is also designed to offer support and resources to family members to help them better cope with the Hospice refers to a style of care end of a loved one’s life. that focuses on maximizing qualHospice takes on many forms ity of life when facing the end but focuses on caring for, but not stages of a disease for which curing, an individual. there is no other course of treatHospice care is often adminisment or when treatment becomes tered in a person’s home, but it counterproductive. also can occur in freestanding Palliative care is provided, hospice centers, long-term care which helps a patient to be more facilities, nursing homes and hoscomfortable and content. pitals.

Thousands of people turn to Individuals can opt for various hospice when facing a life-limitservices, many of which can coing illness. mingle with the care being proAccording to the National Hos- vided by family, medical centers pice and Palliative Care Organior long-term care homes. zation, hospice involves a teamHospice care often begins when oriented approach to medical the individual receiving care and care and pain management as his or her family members feel well as emotional and spiritual the end of life may be near. support.

Most patients enter hospice Care plans are specifically tai- during the last six months of life. lored to a patient’s wishes and Care providers are interdisciplinneeds. ary.

Hospice is not only directed Doctors, nurses, social service toward the person experiencing a providers, bereavement theralife-limiting illness or injury, but pists, dieticians, spiritual coun-

member or health care proxy to be present for this initial meeting to express the patient’s wishes if he or she is unable to do so.

Hospice care may begin shortly after this initial consultation.

Hospice helps people with lifelimiting conditions spend their final days as comfortably as possible.

On the Olympic Peninsula, there are several hospice care options in Clallam and Jefferson counties. Contact any of the following care providers for further details of their services: • Assured Hospice, 1102 E. selors and physical or occupathrough private insurance, Medi- First St., Port Angeles, 360-5823796, lhcgroup.com/locations/ tional therapists may be included care or Medicaid, so there is no assured-hospice-of-port-angeles/ in hospice treatment. need to worry about cost.

• Volunteer Hospice of ClalHospice should be discussed Various hospice services operwhen doctors realize that they’re ate in different areas, and doctors lam County (VHOCC), 540 E. Eighth St., Port Angeles, 360running out of treatment options and care centers can refer 452-1511, vhocc.org patients to hospice programs. to prolong life.

• Hospice Foundation for JefA hospice program may conIf such discussions are delayed, ferson Healthcare, 2500 W. Sims duct its own medical examinaseriously ill patients may not fully benefit from the advantages tion and review health records to Way, Suite 300, Port Townsend, 360-385-0610, hospicefoundation recommend a plan of action. awarded them through hospice. jhc.org It is important for a family Hospice is usually paid

November 2018

Explore hospice options for end-of-life care

By Metrocreative & Peninsula Daily News

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