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AN ADVERTISING SUPPLEMENT PRODUCED BY PENINSULA DAILY NEWS AND SEQUIM GAZETTE

2019

Estate Planning


FIELD ARTS & EVENTS HALL

WAYS TO GIVE

• Cash, Credit Card, Check: Outright gift

• Multi-Year Pledge: Leverage your giving over time • Highly Appreciated Stock: Added advantage of avoiding capital gains

Field Arts & Events Hall at the Port Angeles Waterfront Center was first envisioned by the late Donna Morris. Ms. Morris left in her estate plans $9 million directed specifically for the design, construction, and ongoing operation of a performing arts center. Field Hall is a 501(c)3 tax exempt nonprofit corporation established to accept her gift and fulfill her wish. Young and old, many people find great comfort in knowing that their legacy will live on for generations to come through the impact of a gift through estate planning. Field Hall is a unique opportunity to support your community by honoring our mission for many years to come. Our mission is simply to be “A home for arts and events that brings people together and strengthens our community.”

• IRA: If you are 701⁄2 years old or older, you can make a gift directly from your IRA

• Real Estate: Subject to review by the Gift Review Committee

• Life Insurance: Subject to review by the Gift Review Committee • Memorial Gift: In memory of a loved one

• Naming Opportunities: Inquire about naming opportunities

• Planned Giving: Talk to your financial planner about including Field Hall in your charitable estate plan

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Peninsula Daily News & Sequim Gazette

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FOR MORE INFORMATION, CONTACT: JESSICA HERNANDEZ, Development Director • (360) 477-4679 • Jessica@fieldhallevents.org VISIT US AT www.fieldhallevents.org

ESTATE PLANNING


Estate Planning 2019

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 regional publisher | Terry R. Ward general manager | Steve Perry advertising director | Eran Kennedy special sections editor |Shawna Dixson advertising sales team | Denise Buchner, Jeanette Elledge, Vivian Hansen, John Jaeger, Harmony Liebert, Joylena Owen and Marilyn Parrish

The process of estate planning should be tailored to the circumstances in each individual’s situation. Usually, estate planning includes the creation of a will, setting up powers of attorney, limiting estate taxes by setting up trust accounts in the name of beneficiaries, appointing a guardian for living dependents and pets, appointing an executor of the estate to oversee the terms of the will, making funeral arrangements and establishing annual gifts to reduce the taxable estate. While all these things are important aspects of planning for the end of one’s life, it also is important to not overlook the sentimental things, such as writing letters to people you care about — ultimately, possessions and all the worldly items people value are insignificant compared to cherished memories and loving thoughts. 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

“I never knew what a home was until I got to the Club. I have become a part of a family that will always be there for me. If it weren’t for this family, I would likely be on a different path. I’m a leader and a role model who has a bright future ahead of me… and that’s all because of the Boys &Girls Club.”

Contents Boost your ability to give back page

4. How can you make

your contributions to charity more powerful?

Leave your legacy to the community page

7. How do you leave a gift

that will ensure your community’s assets continue well into the future?

End-of-life planning guide page

10. What is an end-of-life

plan and why should you bother?

Death care should not break the bank page 15. “What is available if we don’t want to spend $10,000?”

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Call or visit our website today, and together we can change the way the world is powered. We have installed over 4.5 MWs of grid-tied solar PV systems on the Olympic and Kitsap Peninsulas.

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Peninsula Daily News & Sequim Gazette

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ESTATE PLANNING

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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

General & Electrical Contractors • Solar Specialists est 2002

November 2019 3


Boost your ability to give back By Jamie Maciejewski, Habitat for Humanity You can continue to make an impact on what matters most to you, even after you’re gone. What is your passion? What brings you joy? Where do you spend your time? If asked, most people would probably love to continue to support the things they care deeply about far into the future. Yet many feel their capacity to contribute is too insignificant to bother — they don’t realize what a difference their gift could make. However, a bequest or other legacy gift can be the single largest gift most people ever make. That’s because assets build up over the course of a life, such as property, life insurance and retirement accounts.

Peg gy Whyte Ryan & Joe Ryan Peggy Whyte Ryan spent most of her adult life moving from one rental home to another all across the country. She was keenly aware of her own vulnerability when landlords raised the rent or sold her home right out from under her. Because of her experience, Peggy became a strong supporter of Habitat for Humanity and its mission to provide people with access to safe, stable, affordable housing.

Serving the people of Clallam County Scott Hunter

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ESTATE PLANNING


Peggy finally became a first-time homeowner when she moved to Port Townsend in the early 2000s and met her future husband, Joe Ryan, while volunteering at the Port Townsend Marine Science Center. When Peggy passed away in 2018, less than a year after Joe’s death, she left a legacy for the two organizations that meant the most to her. Peggy and Joe’s generous bequests are serving as cornerstone gifts for the Marine Science Center and Habitat for Humanity of East Jefferson County, as both organizations work to expand their programs to serve future generations. With Peggy’s final and most significant gifts, she supported the causes that brought her joy during her life and addressed her deepest concerns.

State University Extension before she died. But that wasn’t all. For many years, Lisa had quietly loaned money to nearly a dozen low-income people so they could purchase their own homes. Although her decision to act grew from Lisa’s strong commitment to affordable housing and were an expression of her remarkable kindness, most of her friends were unaware of her gifts. In her will, Lisa left the proceeds of the remaining loans to benefit two organizations that carry out work she cared deeply about during her lifetime: the Marrowstone Island Foundation endowment, which provides emergency medical and fire services to island residents, and Habitat for Humanity.

Jefferson Land Trust and Washington

BOOST continues on page 6 >>

Some are surprised that many of the most generous legacy Lisa Painter gifts are, in fact, made by Lisa Painter, longtime Marrowstone Island resident, made plans for a those who faithfully donated multi-pronged legacy. She donated her smaller gifts over many years. magnificent and beloved farm to the

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ESTATE PLANNING

Peninsula Daily News & Sequim Gazette

November 2019 5


“beneficiary deed,” to leave your house to one or more organizations, Paul & Joyce Anderson generally outside of probate. The Paul and Joyce Anderson of Washington Uniform Real Property Kala Point supported Habitat for Transfer on Death Act, which allows Humanity over many years with property to be transferred upon the an annual Christmas gift. After owner’s death, was passed in 2014 Joyce passed away in 2016, Paul by the Washington state legislature. continued their mutual commitment Sharing your plans with the to Habitat’s work. organization will help them as they Two summers ago, Paul visited plan for the future. Still, know that a Habitat for Humanity home you can always change your plans. dedication ceremony. He watched as As you consider your estate plans, a single father of two daughters, who remember these important things. had put in many hours working to An attorney who is skilled in build their house, accepted the keys estate planning will work with from the sponsors of the house. One of you to make sure your plans meet the people who helped hand over the your own needs and those of your keys was the step-daughter of a man loved ones. who had left a legacy gift to Habitat. There are many other estate Paul was inspired by both the planning tools, some of which young man and the house sponsors. can provide income and/or tax Several months later, Paul passed benefits during your lifetime. The away, but first he had arranged for organization you are considering two more Habitat houses to be built supporting may be able to provide because of his generosity. you with helpful information, but That isn’t the end of the story. be sure to discuss any plans with Paul’s gift has since motivated at your attorney to make sure they are least two more families to follow right for you. his lead with their own house Finally, use the correct legal name sponsorships. One donor has made of the beneficiary organization in the house sponsorship part of her your documents. This is especially estate plans. She knows her gift, important when an organization to be realized years from now, will is part of a larger national help ensure one more family has a organization. Ask them to provide safe, decent and affordable home. you with the tax identification Generosity is contagious in the number (TIN), a unique identifier best way imaginable. much like a social security number. Peggy, Joe, Lisa, Paul and How to give Joyce are five individuals whose If you are inspired to consider how joys, passions, concerns and your own concerns and passions commitments live on in the work might live on after your lifetime, of local charities. Their stories are here are three ideas. now part of the history and future of A bequest is the most popular way those organizations they believed in. for most people to make a gift. The Their stories will be told for many bequest language for a nonprofit years as people say, “Look at what organization, using Habitat as an we are achieving, thanks to the example, is: “I, [name], of [city, state, vision and generosity of these people ZIP], give, devise and bequeath who cared.” to Habitat for Humanity of East Jefferson County [written amount Jamie Maciejewski has served or percentage of the estate or as executive director of Habitat for description of property] for its Humanity of East Jefferson County unrestricted use and purpose.” since 2007. She loves sharing in Name an organization as the joy people experience when beneficiary or back-up beneficiary they watch their resources make of a life insurance policy or a profound difference in another retirement account. person’s life. She has worked Use a transfer-on-death and volunteered in nonprofit (TOD) deed, sometimes called a organizations for more than 30 years. <<BOOST continued from page 5

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Peninsula Daily News & Sequim Gazette

ESTATE PLANNING


Leave your legacy to the community Submitted by United Way of Clallam County

Those who live in Clallam County benefit from its rich and vibrant community spirit, excellent medical care, strong educational system and beautiful environment. How can you leave a lasting legacy to Clallam County, a gift that will ensure your community’s assets continue well into the future? You can make a lasting gift through your estate plan. Your generosity will strengthen your community now and for many years to come. Turn the page to find the organization that best matches your goals for charitable giving. LEGACY continues on page 8 >>

ELDER LAW

Honor a legacy Inspire the future Care for our ocean

Michael Hatch Attorney at Law

Free Consults for Volunteer Hospice Patients

(360) 797-1902 ESTATE PLANNING

Your Required Minimum Distribution helps now. Your memorial gift secures our future. https://feiromarinelifecenter.org PO Box 625, Port Angeles, WA 98362 Call Melissa about giving to the new Marine Discovery Center 360-417-6254 Tax ID 26-1957956

Peninsula Daily News & Sequim Gazette

www.caregiversonline.com

Port Angeles 360

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Sequim 360

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(Wills, Trusts, Estate Planning and Probate.)

Thirty-five years of law experience, including U.S. Marine Corps JAG, criminal and civil law. Phone Mr. Hatch at his Port Angeles direct telephone to schedule an appointment.

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The Clallam Community Foundation also encourages you to leave a lasting legacy in Clallam County through the following local charitable organizations, representing endowments in health The foundation has 10 named funds: and human services, education and • A & J Minton Scholarship the environment: Clallam Community • Albert and Helen Mangan Fund Foundation • Dick and Peggy Owens Fund The Clallam Community • McCool Family Fund ALBERT HALLER Foundation is a way for people • Bright-Haygood Copsey Fund to leave a permanent legacy for • Hull Family Fund EST. 1992 health and human service needs • Carol Munro Fund in Clallam County. The foundation • Fish Family Fund strengthens local nonprofit agencies and helps people give to the Olympic • Mac & Phyllis Munro Scholarship Fund Peninsula community. Donors have several ways to The following nonprofit Albert Haller Foundation give to the Clallam Community organizations, providing health Foundation: The Albert Haller Foundation and human services in Clallam • Donate to the general, offers a unique way for those who County, have dedicated funds in the unrestricted fund, administered share Haller’s vision to give back to foundation: by United Way of Clallam County the Clallam County community that • Clallam Mosaic • Donate a restricted gift to the • Clallam County Literacy Council is not duplicated by other nonprofits. general fund for specific health The foundation’s outstanding • North Olympic and human service programs track record — spanning the past 25 Library Foundation • Donate to a nonprofit with a fund • Olympic Peninsula YMCA years — of continuous giving speaks in the foundation to enhance the • Peninsula Behavioral Health agency’s mission well for its excellent management. <<LEGACY continued from page 7

• Purchase

a charitable gift annuity, which pays the donor a fixed return yet still allows a charitable deduction on taxes or • Establish a named fund to honor a loved one

Center Valley Animal Rescue As a non-profit, volunteer based organization, we fund everything— from veterinary care, feeding and housing the animals, to outreach and adoption promotion, with donations from the public. This means our rescue, which gives animals a second chance, can use all the help we can get. We’re a community resource, and we’re here because we’re needed. Whether it’s housing overflow from the county and other shelters, or actively rescuing neglected animals in desperate need of intervention, a ranch that gives animals a second chance is there to help. • • • • • • •

Programs: Low income spay/neuter Low income vaccination and microchip clinics Pet food bank Adoption programs Education Wildlife rehabilitation Support for law enforcement in cruelty/neglect cases

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

Boys & Girls Clubs of the Olympic Peninsula You can provide hope and opportunity for the community’s youth by ensuring the Boys & Girls Clubs of the Olympic Peninsula will always be available — for the young people of today, as well as for generations to come. Sustaining the mission through your planned gift is an inspired way to create a legacy of support for youth on the Peninsula. LEGACY continues on page 9 >> 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.

U n i t e d Wa y o f C l a l l a m C o u n t y

Peninsula Daily News & Sequim Gazette

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11900 Center Road • Quilcene, WA 360-765-0598 • centervalleyanimalrescue.org

The Clallam Community Foundation is a way for people to leave a permanent legacy for health and human service needs in Clallam County. The Foundation helps to strengthen local nonprofit agencies and helps people give to our community. Donors have several ways to give to the Clallam Community Foundation: • Donate to the general, unrestricted fund, administered by United Way of Clallam County, • Donate a restricted gift to the general fund for specific health and human service programs, • Donate to a non-profit with a fund in the Foundation to enhance the agency’s mission, • Purchase a charitable gift annuity which pays the donor a fixed return yet still allows a charitable deduction on taxes or, • Establish a named fund to honor a loved one.

The foundation has donated $8 million in grants and scholarships. Donors who wish to see the greatest good come from their gift can be assured that the funds will be well managed and judiciously distributed, alberthallerfoundation.org.

ESTATE PLANNING


of protected area are home to 29 species of marine mammals residing Your endowment to the clubs in or migrating through its waters. will provide financial consistency The sanctuary provides critical and stability during economic nesting habitat and migratory downturns so that critical programs pathways for seabirds of all kinds and mentoring staff are available. and is among the most productive It may well be in these times that the habitats in the world. This rich and community needs the clubs the most. diverse marine resources provide When economic times are exceptional opportunities for stable, the Great Futures Fund scientifi c research. may provide the means to expand The Olympic Coast National programs or provide for special Marine Sanctuary Foundation is the needs that are not normally in the only nonprofit dedicated to supporting annual budget, bgc-op.org. the important work of the sanctuary — conserving natural, historical and For more information, visit cultural resources off Washington’s northolympiclandtrust.org. Olympic Coast. The foundation raises North Olympic Land Trust awareness and seeks funding for the Founded in 1990, the North sanctuary’s key initiatives, including: Olympic Land Trust conserves • ocean acidification lands that sustain the communities research and education of Clallam County. The Land Forks Hospital Foundation • ocean plastics reduction, Trust is your community nonprofit The Forks Hospital Foundation is cleanup and education a private, nonprofit organization that dedicated to the conservation of open • building a Marine Discovery Olympic Coast National Marine spaces, local food, local resources, supports the outstanding medical Center in partnership with Feiro healthy watersheds and recreation Sanctuary Foundation services and programs offered at Marine Life Center opportunities. Through 2018, Forks Community Hospital and its The Olympic Coast National For more information, visit the Land Trust has permanently associated medical clinics. Marine Sanctuary is one of only 13 olympiccoastfoundation.org. protected more than 3,300 acres of The foundation is dedicated marine sanctuaries in the United to raising funds on behalf of the land for farms, fish and forests. States. These 3,188 square miles LEGACY continues on page 12>> <<LEGACY continued from page 8

hospital to allow the facility to continue to expand and enhance its medical capabilities, bringing an ever-increasing quality of health care to citizens of the West End, forkshospital.org.

Legacy Gifts 2018-2019

A legacy gift to the Land Trust has a permanent impact. Gifts can be designated to: • protect local habitat and working lands (Opportunity Fund) • steward locally protected properties (Stewardship Fund) • build the endowment invested to generate perpetual income for ongoing Land Trust operations (Operating Endowment) • have the Land Trust Board of Directors to decide among the options above, based on the greatest need at the time

Not affiliated with any national organization, Olympic Peninsula Humane Society is YOUR local agency, giving 2nd chances to animals for a happy, loving home. Please consider a legacy gift in your will or trust.

building homes, communities, and hope

Annette Bertolina Lisa Painter Peggy & Joe Ryan Ed Barcott Robert L. Russell Paul Anderson Your estate plan can meet your goals for financial security while helping others.

ESTATE PLANNING

Peninsula Daily News & Sequim Gazette

Contact OPHS for your free, legacy catalog which outlines all the ways to leave a lasting gift in a clear and simple format. IT’S SIMPLE, EASY & MAKES A DIFFERENCE 360.457.8206

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Jamie Maciejewski Executive Director 360-379-2827 director@habitatejc.org

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

www.ophumanesociety.org

November 2019 9


End-of-life planning guide By D. Michael Hatch, attorney-at-law Despite the somewhat macabre nature of end-of-life planning, it is important to be well-informed and prepared long before you expect to need such plans. What is an end-of-life plan and why should you bother? Simply stated, it is a plan you put in place for finalizing your affairs in the case of your death. A thorough plan enables your loved ones to grieve during your last illness and after your ultimate death. By completing the appropriate arrangements beforehand, you may spare your family and friends from dealing with lawyers and courtrooms during your final days. Although there is not a standard end-of-life plan that everyone uses, there are a couple details you should include in whatever preparations you make. Here are some documents to start with, along with explanations of why they’re useful.

It is merely a document that grants to another authority to represent you in dealing with banks, creditors, landlords and the legion of others you regularly interact with. The power of attorney can be as limited or as broad as you wish — limited to permitting another to buy a single loaf of bread for you or so broad that the authorized person is empowered to perform any act you could perform. Its breadth, term of effectivity and the trigger that makes it active is strictly up to you.

Durable power of attorney for health care Another uncomfortable reality is that during that final illness there frequently is a period of lost consciousness during which you can no longer give instructions to the medical professionals treating you. That is when a durable power of attorney for health care becomes important. It is a straightforward Durable power of attorney power of attorney that authorizes Most of us will not instantly another to make medical transition from an active life to our decisions for you. death. In most cases, there is a period A durable power of attorney of illness during which someone else for health care is often confused is needed to handle our affairs — with a Physician Orders for Lifebanking, bill paying, arranging for Sustaining Treatment (POLST) specialized medical equipment for document, which is a directive to the home and a hundred other tasks physicians, also called a living will. you will be unable to take care of in Unlike a POLST or a directive to your final illness. physicians, which merely outline The “durable power of attorney” what procedures you do or do accounts for just such a situation. not want performed, the durable

Judith H. Peace

power of attorney for health care grants another authority to give instructions to medical professionals on your behalf. The durable power of attorney for health care also must identify the same person as your medical representative under the Health Insurance and Accountability Act (HIPAA) to enable treating medical professionals to share medical information that would otherwise be confidential.

Property ownership To implement the “perfect” end-oflife plan mentioned above (avoiding lawyers and courtrooms), several other documents can be used to simplify matters for your loved ones after your death. A community property agreement enables a surviving spouse or domestic partner to avoid probate and simply re-title or re-register property in their name. Similarly, real estate owned by a married couple or a domestic partnership as “joint tenants with a right of survivorship,” automatically transfers ownership to the survivor following the spouse or partner’s death. Also, Washington permits the filing of a transfer-on-death deed with the county where the land is situated. As its name implies, title to the land is automatically transferred upon the death to the person designated on the deed.

Love where you live?

Attorney JUDITHPEACELAW@GMAIL.COM 720 E. WASHINGTON ST., #109 SEQUIM, WA 98382 9B2432643

10 November 2019

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360-683-6984 www.judithpeacelaw.com

Peninsula Daily News & Sequim Gazette

Connecting people who care, with causes that matter.

You want to leave a legacy that achieves your vision for the place you love. We want to help you with your planning and ensure your plans are carried out according to your vision.

info@ov-cf.org | 360.797.1338 ESTATE PLANNING


Resources Now, a warning — there are hundreds of websites offering free or low cost legal documents. Knowing which are reliable and which are not can be a daunting task. The best resources are two nonprofit groups of lawyers dedicated to providing accessible legal services for Washington residents: Columbia Legal Services (columbialegal.org) DOCUMENT

and Washington Law Help (washingtonlawhelp.org). Columbia Legal Services provides a broad range of very informative, easy-to-read brochures on topics ranging from the documents mentioned in this article to a broad range of other subjects, such as Medicaid. Washington Law Help is a wealth of legal information providing not only Elder Law information, but also

guidance on wide-ranging issues from family law, to landlord-andtenant, to debt relief. They provide the forms you will need, as well as offer checklists to help you ensure you’re using the right form and not going astray. Last, but most assuredly not least, Volunteer Hospice of Clallam County is a rich source for temporary access to medical equipment — the organization has

equipment that can be borrowed for free. The staff and volunteers at VHOCC are true angels on this planet. If they can help, they will, without asking for a single penny. D. Michael Hatch is a Washington lawyer practicing Elder Law in Port Angeles. He offers periodic workshops on end-of-life planning designed to enable the attendees to prepare their own legal documents.

PURPOSE

METHOD OF CREATION

Enables another person to manage your affairs. The authority granted to that other person can be as broad or as limited as you wish and can be terminated at any time, provided the creator of the document is mentally competent.

A simple signed and notarized document that usually includes a grant of general powers as well as a list of the specific powers being granted to the agent (aka “attorney-in-fact”).

Durable power of attorney for health care (should include a HIPAA authorization)

Enables another person to make health care decisions for you in the event you are unable to makes those decisions for yourself.

A simple signed and notarized document — this is not a POLST or physician’s directive.

Community property agreement

Enables the surviving partner of a domestic partnership or marriage to establish ownership of all the couple’s property (including both what would have been the deceased’s half of community property and any separate property of the deceased partner/spouse). This is a straightforward, automatic transfer of all property to the surviving partner or spouse without probate.

A simple signed and notarized document.

Last will and testament

Transfers identified property after death.

Signed and notarized document that must be witnessed by two disinterested persons.

Transfer-on-death deed

A deed to real property that automatically transfers title to a named person upon the death of the titled owner.

A deed filed with the county by the owner of the property. Can be withdrawn at any time by the owner.

Durable power of attorney

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. ESTATE PLANNING

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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.

November 2019 11


YOU Can Make the

OLYMPIC DISCOVERY TRAIL An Enduring Part of Your Legacy!

Please the helpInauguration us build of Announcing

THE OLYMPIC DISCOVERY TRAIL ENDOWMENT FUND Since Trails Coalition Coalition(PTC) (PTC)has hasspearheaded spearheaded the Since1988, 1988, the the Peninsula Peninsula Trails the creation Discovery Trail Trail(ODT) (ODT)and andhas hasled ledthe thework work creationof of the the Olympic Olympic Discovery toto maintain it as it grows to become a signature feature of the maintain it as it grows to become a signature feature of the Olympic Olympic Peninsula, fromTownsend Port Townsend to the areto proud Peninsula, from Port to the Pacifi c. Pacific. We areWe proud to offer this Endowment Fund as a means for you to have an announce this Endowment Fund as a new way for you to have an enduring the full fullODT ODTvision visionand andofofensuring ensuring enduring impact impact in in achieving achieving the itsits maintenance and protection in perpetuity. maintenance and protection in perpetuity.

This endowment fund opportunityoffers offersaacompletely completely flexible flexible Thisnew Endowment Fund opportunity mechanism forfor you to to support specifi c projects or activities, or toorhelp mechanism you support specific projects or activities, to help our us build our overall organizational capabilities. As you us build overall organizational capabilities. As you contemplate contemplate your legacy giving, we hope youconsider will seriously consider your legacy giving, we hope you will seriously The Olympic The Olympic Discovery Trail Endowment asyour one choices. of your choices. Discovery Trail Endowment Fund asFund one of 9B2432286

12 November 2019

community in enriching the quality of life in Clallam County by: • serving as a leader, catalyst and resource for philanthropy • providing flexible and cost-effective ways for donors to support their favorite interests and charities through annual gifts, endowment funds and estate planning M EDICAL CENTER • making strategic grants in F O U N D AT I O N art and culture, education, the Olympic Medical environment, health and social services, animal welfare and Center Foundation other worthy causes The Olympic Medical Center • offering a variety of personalized (OMC) Foundation has given more giving options, including than $7 million dollars to the donor-advised funds, “area of hospital, with over $4.3 million interest” and scholarship funds of that coming since 2007. It has • building a community provided $1.8 million for cancer endowment fund to help care, with over $405,000 going to meet future needs • convening community OMC’s Patient Navigator program, leaders to help identify and which funds basic cost of living solve community problems expenses for qualifying cancer in a creative, sensitive patients on the North Olympic and timely manner Peninsula. It also has given over • providing technical support, $450,000 to the OMC Heart Center. funding referrals, grants The foundation helps the hospital management and other provide the highest quality care services to donors, nonprofit possible using the best equipment. organizations and the This means that community community at large members can be treated locally Visit ov-cf.org for more info. with state-of-the-art equipment, eliminating the need to travel out of town for medical procedures and follow-up. Donations also go toward education for nurses and other hospital staff, and to the Peninsula College Nursing and Medical Peninsula College Foundation Assistance programs, omhf.org. Every year, the Peninsula College Foundation helps students on their journey to become our community’s nurses, medical assistants, welders, automotive technicians, network and computer systems administrators, graphic designers, university graduates and business leaders. In addition to providing student scholarships and financial support for college programs, Olympic View Community the foundation funds faculty Foundation professional development and helps with capital improvements, pencol. Olympic View Community edu/foundation. Foundation supports the Peninsula’s generous, caring LEGACY continues on page 13 >> <<LEGACY continued from page 9

For more information, please visit our website at olympicdiscoverytrail.org, or contact us at PTCTreasurer@olympicdiscoverytrail.org.

OLYMPIC

Peninsula Daily News & Sequim Gazette

ESTATE PLANNING


<<LEGACY continued from page 12

PENINSULA

the environment on the Peninsula to have an enduring impact in achieving the full ODT vision and of ensuring its maintenance and protection in perpetuity, olympicdiscoverytrail.org.

••assisting

low-income students whose circumstances may impact their ability to attend school, participate and be ready to learn ••recognition of academic and volunteer excellence ••scholarships — academic, vocational; one-time or continuing; funded annually or endowed

T R ALS I

COALITION ©2015 PTC

Peninsula Trails Coalition: The Olympic Discovery Trail Endowment Fund Since 1988, the Peninsula Trails Coalition (PTC) has spearheaded the creation of the Olympic Discovery Trail (ODT). The coalition has led maintenance efforts as the ODT has grown to become a signature feature of the Olympic Peninsula, from Port Townsend to the Pacific. It has become a well-loved, permanent feature of the North Olympic Peninsula’s magnificent outdoors. The Olympic Discovery Trail Endowment Fund offers a new way for trail lovers, recreationists and anyone who wants to support

For more information, visit portangeleseducationfoundation.org.

Port Angeles Education Foundation The mission of the Port Angeles Education Foundation is to foster support for students and programs by promoting creativity, innovation and excellence in partnership with Port Angeles public schools. The foundation aims to provide all students with full access, free of barriers, to reach their full potential. This is done through: ••school and teacher grants encouraging creative and innovative projects in the classroom and beyond

Sequim Education Foundation

HELP BY

Sequim Education Foundation Sequim Education Foundation (SEF) was founded in 2001 to address the financial gap between state funding and the needs of the Sequim School District. SEF’s

DONATE TODAY

hrough their donations, our readers give a helping hand to some of the most vulnerable members of our North Olympic Peninsula community. Every penny of the funds we raise goes directly to aid infants, families and seniors through nonprofit OlyCAP — Olympic Community Action Programs — the No. 1 emergency care agency in Jefferson and Clallam counties. Read the Peninsula Daily News for ongoing coverage on the people who get a ‘hand up, not a handout’ from the Home Fund. Make a donation online, or use this mail-in coupon. We invite you to make a difference.

Change someone’s

YMCA Spirit of TEAM fund The YMCA Spirit of TEAM Fund was developed to honor the legacy of long time board member Dennis Watson, a passionate believer in the power of team building. LEGACY continues on page 14 >>

LIFE

Here’s my donation of $ _________ for 2019

Print Name ____________________________________________________ Address _______________________________________________________ City/State ______________________________________ ZIP ___________ Make check or money order payable to “Peninsula Home Fund” MAIL TO: Peninsula Daily News Home Fund P.O. BOX 1330 Port Angeles, WA 98362 How would you like your gift recognized in the Peninsula Daily News? Name(s) and amount I designate my contribution

Name(s) only in memory of:

Anonymous in honor of:

Honoree’s name:_____________________________________________

You can also add a message of 25 words or less. (Use separate sheet of paper.) To contribute by credit card complete the following

Card Number ____________________________________________ 3 Digit Code _____________________________________________ Expiration Date ________/_________/ ________________________ Name as shown __________________________________________ Signature _______________________________________________ Daytime Phone (____) _____________________________________ DONATE ONLINE AT PENINSULADAILYNEWS.COM

ESTATE PLANNING

2431997

lending a hand

The YMCA Spirit of TEAM Fund

Inspiring & Supporting a Lifelong Love of Learning!

Peninsula Home Fund has been an annual tradition for over 30 years.

T

goal is to promote local support of education, as strong public schools are critical to a thriving, successful community. SEF leverages its resources to provide significant funding for programs and events that promote college and career readiness for each student. In 2018, SEF provided the local community with nearly $100,000 in teaching grants, event grants, scholarships and a monthly “Science Cafe” program, sequimeducationfoundation.org.

Peninsula Daily News & Sequim Gazette

Contributions are fully IRS tax-deductible. 100 percent of your caring donation goes to Olympic Community Action Programs to help children, seniors and families in Clallam and Jefferson Counties. Written acknowledgment will be mailed to donors by Jan. 31, 2020. Questions? Call 360-417-3500.

November 2019 13


<<LEGACY continued from page 13 For over 18 years, Dennis led the charge on the YMCA Middle School Program “TEAM” devoted to encouraging eighth-graders to improve their communication skills, build empathy and increase their confidence. Dennis encouraged young people to consider how the tone and intention of their communication impacted their ability to build a happy, healthy and vibrant community. The fund is intended to support a culture of kindness and inclusion and to promote the YMCA’s resources, networks and core values, olympicpeninsulaymca.org.

Summary All these foundations have several qualities in common. They all: ••are tax-exempt, 501(c)3 nonprofit organizations ••are locally based, providing services to the people of Clallam County ••have permanent endowments

••have

the ability to work with their donors to achieve the donor’s wishes.

Contributions to the foundations may be in the form of cash, stocks, bonds, personal property, real estate, bequests, trusts or by naming the foundation of your choice as beneficiary of an insurance policy. Be sure to contact your professional advisor — financial planner, attorney, accountant or insurance agent — for help in planning your gift. For more information, contact Clallam Community Foundation, c/o United Way of Clallam County, P.O. Box 937, Port Angeles; 360-457-3011; info@unitedwayclallam.org. The United Way of Clallam County, dba Clallam Community Foundation, is a tax-exempt charitable organization under IRS code 501(c)3. EIN 91-0714632. Please contact your attorney or financial adviser for more complete information about the options best suited for you.

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Death care should not break the bank

By Douglas R. Ticknor, Drennan & Ford Funeral Home and Crematory You can arrange a basic burial for $1,740. (This does not include a casket or cemetery fees, which I will explain shortly.) My friend is a woodworker and could conceivably build his own casket — yes, you can do that. However, if he didn’t want to build his own casket, he could add our minimum casket for another $795. Even with tax, the burial cost would still be around $2,600, which includes the fees to pick up your loved Burial costs one from the place of death and bring them to the funeral home, refrigerate I answered my friends’ query by (as opposed to embalm) the body, file stating that I could perform their the death certificate, obtain a burial cremation for $1,990 (or $1,790 if permit, then transport the body in prepaid). Funeral homes often offer our minimum-cost casket (a clotha small discount like this if you are planning ahead and pre-pay for your covered plywood) to a local cemetery. cremation. Aside from the discount, it also locks in the price. FUNERAL continues on page 17 >> I recently asked a group of close friends if there was some aspect of my being a funeral director that they wanted to know more about. I was shocked when they asked, “What is available if we don’t want to spend $10,000?” If my close friends thought $10,000 was the norm, there must be others thinking the same thing. So I decided to provide an explanation of death care costs on the Olympic Peninsula.

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The Veteran’s Administration operates national cemeteries throughout the country (with the exception of Arlington National Cemetery in Virginia, which is operated by the U.S. Army). There are zero fees for a veteran to use a national cemetery, but it is not “free.” National cemeteries are considered monuments, and veterans earn the right to become part of them. In doing so, they also secure that same right to their spouse, minor children and adult dependent children, even if they pass on before the Veteran. Washington Veterans are served by Tahoma National Cemetery in Kent. “Tahoma” is a Native American word for Mount Rainier, which is visible from the cemetery. While other types of cemeteries may have sections dedicated to Veterans, only National Cemeteries are at no cost to the family. For Drennan and Ford Funeral Home to transport a casket to Tahoma National Cemetery from the North Olympic Peninsula area, we add a transportation fee of $400, which brings the total burial cost to just over $3,000 — far less than the expected $10,000.

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ESTATE PLANNING


or city-owned and those owned by corporations. Of course, there are many other National cemeteries are available details the funeral home assists to most people who have served in the family with, but these services the armed forces. should not add to the cost. For State- and city-owned cemeteries example, submitting the death offer plots for purchase by the notice to the local newspaper, filling public. At these types of cemeteries, out veteran’s benefit applications there will be fees for the plot, and procuring a flag for that veteran digging the grave and pouring the or, even if they did not want the concrete grave liner. added expense of embalming or the formality of an open-casket viewing, The purpose of the concrete providing a place for the immediate grave liner is simply to prevent the family to say goodbye. weight of the earth from crushing the casket. Back when graves were Cemetery fees dug by hand, they would mound the The funeral home is soil over the grave so that, when responsible for receiving the casket deteriorated, the ground the deceased from the would fall in and become level. With the modern use of backhoes and place of death and handling other heavy machinery, cemeteries all the arrangements until began using outer burial containers, that person arrives at the the least expensive of which is the cemetery. The cemetery is concrete grave liner. The City of Port Angeles owns and operates Ocean actually a separate business. View Cemetery. The fees for burial Cemeteries tend to fall into one are about $1,900, plus tax. of three categories: national, state<<FUNERAL continued from page 15

Cemeteries owned by corporations are another public option. They are usually for-profit and employ commission-based sales staff.

Additional costs So far, we’ve talked about the funeral home fees. If cremation was all my friend wanted, the cost is still $1,990 ($1,790 prepaid). The only other additional expense is the death certificate, which Washington state charges $20 per certified copy. If the deceased is a veteran and the family provides a copy of their military discharge (form DD214), they will receive one at no cost. The number of certified death certificates a person needs varies. Think of it as your final business document. It allows your next of kin to cash out insurance policies, close accounts and transfer property. Always ask what discounts a funeral home offers. Our funeral home extends the discounted cremation price (even if no prepayment is made) to all of our patients of Volunteer Hospice of

Clallam County and Assured Hospice of Clallam and Jefferson counties. The reason for this discount is simple: the nurses at both hospices take care of duties that reduce our work load. They gather the necessary information to complete the death certificate and prepare the family by explaining what to expect in the immediate aftermath of a home death.

Evaluating funeral options All these options can be very confusing, especially since the average person makes funeral or cremation arrangements only a couple times in his or her life. Historically, funeral homes have taken advantage of this. In 1984, the Federal Trade Commission (FTC) enacted what it called its Funeral Rule. While any government regulation brings on costs that are passed along to the consumer, it did have important benefits for consumers who are looking at the costs associated with burial and cremation. FUNERAL continues on page 18 >>

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<<FUNERAL continued from page 17

Funeral homes are required to give consumers a copy of their general price list to keep when cost discussions begin. Failure to do so can result in hefty fines for the funeral home. The FTC makes annual spot-checks to ensure compliance.

CREATE A LEGACY OF CARING Remember PENINSULA FRIENDS OF ANIMALS in your estate plans PENINSULA FRIENDS OF ANIMALS is a cageless, no-kill, donor supported, non-profit animal welfare group serving the Olympic Peninsula since 2000 HELP US CONTINUE: Rescue and rehoming companion animals Low cost spay-neuter clinics Lifetime care of special needs rescues I provide the coaching you need to meet your goals and sleep soundly knowing that your family’s financial future is secure. Get started today by visiting

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The language used on those price lists is standardized. Having uniform disclosures that inform the consumer, such as letting people know that embalming is not required by law except in special circumstances, is one example. Standardized terminology also was established so the consumer could directly compare prices for services, such as “direct cremation,” between funeral homes. The best advice I can give you is this: Be wary of multi-page price lists with “package deals” that include multiple services and offer a slight discount. Although these can simplify your selection process, you usually end up paying for things you don’t need or want. A funeral home should be able to fit their prices onto a single sheet of paper that includes all of the required FTC language that makes the selection process easier, allowing the consumer to select only the services they want. Be wary of funeral establishments that advertise their low cost of cremation and put the dollar amount on the ad. To assess the accuracy of the ad, write down the amount quoted in the ad and call the funeral home. If the business won’t stand behind its advertised number as the amount you can write on the check before coming to see them, don’t bother. The business will most likely try to convince you to “upgrade” or otherwise spend more money than you want. A sales pitch at this moment is not what you need. Clallam County has one of the highest cremation rates in the country. Over 80 percent of the families I serve want to know how much cremation will cost and have the check made out even before they meet with me. My clients let me know if they want something more than the minimum. Even after the transaction has been completed, your funeral director should take time to answer your questions and let you know what else he or she can help them with that will not affect the contracted price. A large percentage of our clients do not attend a church regularly and need assistance in planning a celebration of life or memorial service, but they don’t always want to use our chapel. We have many clients who ask us to help arrange backyard barbecues and informal family gatherings. FUNERAL continues on page 19 >> ESTATE PLANNING


<<FUNERAL continued from page 18

Selecting a funeral home What can you do to protect Think of your funeral director yourself from paying too much for as an event planner for that other funeral services? Even if a funeral “big event.” We have seen it all, and home has already picked up your that expertise should not cost you loved one, if you feel overwhelmed extra. Sometimes it is just opening by an unnecessary sales pitch or are our Rolodex and helping you find disappointed in any way, do yourself a bagpiper, a soloist or a reception a favor: Get up, tell them you will hall, and sometimes it’s a bit more. “get back to them” and walk out. Call another funeral home that Ultimately, funerals should will listen to what you want and not have to be expensive. give you a straightforward price. There is an endless array Once you decide on a funeral of things that feel like a provider, they can call the other funeral home on your behalf and “proper” send off without bring your loved one to their facility. spending a lot of money. If you don’t know who to call, ask Memorial videos (slide-shows from your friends, neighbors, clergy or caregivers who they would use if the loved one’s life put to music the family selects) have become popular. their loved one passed away. Ask the funeral home if it has These can be added to an obituary ever been fined by the Washington page and coupled with an online Department of Licensing and for guest book. You can even arrange what reason. These are just some of for a ferry to stop mid-crossing while you scatter a loved one’s ashes, the ways you can be sure that you will be able to determine if this is bit.ly/ferrymemorial. Our local Sea Scouts (a program of the Boy Scouts the place you want to be caring for of America) have scattered ashes in your loved one. Throughout the process of the Strait of Juan de Fuca.

arranging the details, you are in charge. The funeral director works for you. It should never feel like they are telling you how things should be. They can offer their experience as advice, but the final decision is yours. The amount you pay should not impact your quality of service. It is OK to get a second opinion. Bring a supportive friend with you to the funeral home who can listen objectively. Most importantly, talk to your family about their funeral goals before the need arises, so you don’t have to wonder what they would want — you’ll already know. Then you can ask clear, direct questions and honor your loved one’s wishes without incurring unnecessary costs. Douglas Ticknor is a licensed funeral director and embalmer at Drennan & Ford Funeral Home and Crematory in Port Angeles. Ticknor can be reached at 360-457-1210 or douglas@drennanford.com. Visit drennanford.com or search for us on Facebook.

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.

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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.

Senior Vice President, Financial Advisor, Co-Branch Manager

Kurt Anderson

Senior Vice President, Financial Advisor, Co-Branch Manager

Joe Denhart

Chris Simmons

Jodi Kortman

Eric Schaefermeyer

Sean Simmons

Senior Vice President, Financial Advisor

Vice President, Financial Advisor

Senior Vice President, Financial Advisor

Financial Advisor

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

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and a copy of our

November 2019 19


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Special Sections - Estate Planning 2019  

i20191103181035970.pdf

Special Sections - Estate Planning 2019  

i20191103181035970.pdf