Retirement Time Supplement to Jewish News February 19, 2018 jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 15
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ging baby boomers—retired or not— who neglect their health and fitness, don’t just harm themselves. Poor lifestyles also affect their adult children, who eventually could end up caring for them—both financially and physically— as their health declines. Of course, that’s not the only reason those children might feel concerned. They also may like having mom and dad around, and want that to continue for years. So, they have a vested interest in encouraging their parents to get fit and stay fit. Still, young adults who cringe at their parents’ eating and exercise habits may be reluctant to broach the subject. How to start such a conversation? And what are some suggestions for healthy living that are likely actually to be put into practice? One thing that might be tempting, but probably won’t work, is a harsh lecture, says Jaime Brenkus, a nationally recognized fitness expert and fitness coach for Evergreen Wellness®, which provides videos and articles to help older adults enjoy healthier lives. “You don’t need to give a sermon,” Brenkus says. “But you should remind them of how important exercise and healthy eating are, and how much you care about having them around for you and for the grandchildren.” Plenty of nutrition and exercise advice abound that can help older people, but Brenkus says a few starter tips include: • Encourage drinking more water. This may sound basic, but not everyone drinks as much water as they should—even though this is a healthy habit that’s simple to accomplish. A CDC study, for example, revealed that 43 percent of adults drink fewer than four cups of water a
16 | Jewish News | Retirement | February 19, 2018 | jewishnewsva.org
day and seven percent don’t drink any glasses of water at all. (Presumably, they get their fluids from other beverages that have water in them.) Baby boomers grew up drinking a lot of soda and KoolAid. Later, they graduated to coffee and alcoholic beverages. Many have adapted to today’s bottled-water culture, but for some, those old habits may die hard and water isn’t always the first choice when thirst beckons. • Recommend strength training. The most effective way to increase metabolism and to help reverse the aging process is to stimulate muscles by lifting challenging weights to increase lean muscle mass, Brenkus says. “More strength will make daily life easier,” he says. “It will result in better balance and stronger people are less likely to fall. It also can strengthen the heart, and makes people look and feel younger.” • Prioritize socialization. This isn’t directly related to exercise, but studies show that people who are active socially are healthier and live longer lives. Socializing helps reduce the stress that can contribute to a number of health problems. If socializing is combined with exercise (playing tennis, taking regular walks with a friend), then that’s all the better. “Helping parents (or yourself!) adopt a healthier lifestyle is about encouraging a change in habits for eating, cooking, shopping, and fitness,” Brenkus says. “And even more importantly, it’s about helping to change thinking habits. Maybe sometime in the past a diet or fitness regimen was tried and failed. That doesn’t mean it can’t be attempted again— and this time with a cheerleader.
jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 17
Retirement This 99-year-old is the oldest former member of Congress Ben Sales
MUTTONTOWN, N.Y. ( JTA)—Lester Wolff served eight terms in the House of Representatives, which is slightly above average for lawmakers. But he has a distinction few of his colleagues share: He was targeted for death five times. Once, Wolff says, a Burmese militia of 5,000 spread out across that country to shoot down his helicopter in order to stop his efforts to curb the Burma narcotics trade. A Thai assassin, foiled by intelligence, had the same goal. Two Palestinian terror groups, upset at his support for Israel, tried to kill him, he says – one by hijacking a plane he was supposed to be on. And the father of a soldier who died in Vietnam sent a death threat to Wolff, angry about his opposition to the war. The threats earned him a nickname from one local newspaper columnist: “The 007 of Congress.” “I carried a weapon, which was meaningless,” Wolff says durning an interview in his Long Island home. “Then I had a bodyguard assigned to me. This bodyguard said to me, ‘I want you to know, if someone is trying to kill you, I can’t stop them. But you can be happy in knowing that I got the man who killed you.’ That’s hardly compensation.” But Wolff survived all of them, and plenty else, too. Now, at age 99, he’s the oldest living former congressman. And he isn’t slowing down. More than three decades after he left the chamber, Wolff is writing three books at once, runs a website and collects Asian art. And he tweets. “I live, basically, for the future,” he says. “I am working on projects that are five years out in front. You have to have some sense of God being with you. That protected me.” Wolff was 44 years old and a successful businessman and television host when President John F. Kennedy convinced him to run for Congress against a
conservative Republican on Long Island. Wolff won the election in 1964, following Kennedy’s assassination, which swept a wave of Democrats into office. He served until 1981, at one time chairing the Select Committee on Narcotics Abuse and Control and the Subcommittee on Asian and Pacific Affairs. Along the way, he worked and sparred with the names that define the politics of the 1960s. The walls in his office are crowded with photos: Wolff shaking JFK’s hand, pinning a campaign button on Robert Kennedy, having an intimate conversation with President Lyndon Johnson in the Oval Office, meeting with Israeli Prime Minister Golda Meir. A campaign sign from Kennedy’s election is leaning in one corner, still attached to a stick.
“I ended up in the Congress, because of my relationship with Israel.”
“They were just people,” he says of the political leaders he knew. “People get a different view of these individuals in bolded positions … but the fact is they’re just people, and if you get to them in terms of their interests, they open up and become someone you’re talking to in ordinary conversation.” One of Wolff’s fiercest fights was against Johnson, a fellow Democrat. In 1967, ahead of what would become the Six-Day War, Wolff sought to add an amendment to a military spending bill that would provide Israel with Phantom
18 | Jewish News | Retirement | February 19, 2018 | jewishnewsva.org
Major General Joseph R. Vazquez looks on as House Speaker John Boehner presents the Congressional Gold Medal to former Congressman Lester L. Wolff. December 10, 2014.
jets. Support for Israel was not nearly as widespread in Congress as it is now, and the president opposed the measure. But Wolff managed to push it through by working with a Republican congressman from an adjacent district. He later met with Egyptian President Anwar Sadat as part of the effort to reach a peace treaty between Egypt and Israel. “I am not overly religious, but I wonder why I ended up in the Congress, and that’s one of the things that came to me— because of my relationship with Israel,” he says. “That stands out in my memory as one of the occasions because it was kind of a political fight to get it done.” Wolff laments how rare that kind of bipartisanship is now. He recalls that as a committee chairman, he appointed Republicans as heads of subcommittees. But today, he says, the opposing parties infrequently find common ground. And while his era saw its share of polarizing politicians, Wolf reserves special opprobrium for President Donald Trump, whom he calls “un-American” and regularly tweets about at @RepWolff. He says that unlike the antiwar movement of the 1960s and 1970s, the marches happening now do not seem to be gaining traction. “I think they’re great, but there must be something that goes beyond that,” he says of the anti-Trump protests. You can’t just be against Trump, you have to be for something. There is a lack of focus upon the part of those people who oppose Trump.”
Wolff’s memory remains sharp, and his house is like a museum of memorabilia that goes far beyond political swag. His open foyer is ringed with statues of Buddha and other Asian art that he has collected on numerous trips to the region. A corner of his basement displays an exhibit of stone fragments from the Egyptian pyramids, the Parthenon in Athens, the Arch of Titus in Rome and Jerusalem. On the opposite wall is a blown-up photo of him with former Chinese Premier Deng Xiaoping, whom he worked with to formalize relations between the United States and China. But Wolff isn’t living in the past. He credits his longevity to God, genes, and a serving of lox on a bagel (sans cream cheese) every morning. He has two children, four grandchildren and six great-grandchildren. And his work goes on. There’s the Twitter account, as well as a website, AskCongress.org, that lists contact information for every parliamentarian worldwide. In 2014, he was awarded the Congressional Gold Medal. And then there are this three books: One is on the secret to long life. The second is on his role in U.S.-China relations. And the third is on all those death threats. But he isn’t worried for his life anymore. “Look, I’m 99,” he says. “They tried to shorten that period. I don’t think they’re after me anymore.”
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jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 19
Retirement Authentic
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(Kveller via JTA)—I have three children. Three healthy, wonderful, grown-up children. I have a wonderful husband. And I have a father, a brother and sister-in-law, and other friends and relatives whom I love. Sounds good, no? It is good. It’s very good. Yet I often say that I live between a rock and a hard place. Here’s why. My husband and I live in New Jersey, where we settled when we married 28 years ago and raised our children. We raised them with a love of family, a love of God and Torah, a love of humankind and a love of Israel. All three have embraced those loves and express them in their own individual ways. Our oldest daughter, who is 25, lives a few hours away and teaches at a Jewish day school. She is known as a tough and loving teacher, a loyal friend, and an integral part of her community. We see her every few months. She is far away, but not too far. Our second daughter lives in Jerusalem. At 19, she moved to Israel and joined the Israel Defense Forces. Other caring adults—relatives, friends, and members of a support network for foreigners serving in the Israeli army— parented her in our absence. Now 22, she has finished her army service and is in college, spending Shabbat with friends, working in a bookstore and living her dream. Our third child, a son, lives in Israel as well. At 19, he also made aliyah recently and will
enter the IDF in the spring. He, too, has caring adults in his life, some of those same relatives and friends, and his yeshiva community who have their eyes on him. When I was their age, I was sure that I would spend the bulk of my life in Israel. But I didn’t. I found life, love, and employment here in the U.S.—and then I stayed. In fact, the topic of living in Israel barely came up again, as my husband, an only child, was not free to leave his parents. But now, everything is different. My in-laws have passed away. My nest is empty. My father is still relatively healthy. And my kids span the ocean. My kids call every Friday. During these weekly conversations, I ask them for a snippet, something I can have at the ready when people ask me, “How are the kids doing?” Something along the lines of, “She’s loving her job” or “He went on a hike in the Judaean hills.” Something easy, so I don’t have to scramble, so I don’t have to sort through the feelings of worry, pride, and longing every time someone wants an update. Lately, however, no one asks for snippets. They just ask, “So when are you going?” They mean to Israel—and they don’t mean a visit. They mean, “When are you moving to Israel?” Everyone asks: Israelis, Americans, my colleagues at work, people I barely know. I know I need a snippet for this, too. But I find the question deeply t roubl i ng — he nc e the rock and the hard place. I have always wanted to live in Israel—and at the
Retirement same time, I’ve always wanted to live right here in the U.S. I want to be near ALL my kids. And, in the future, please God, I’ll want to be near all my grandchildren. I want to be near my father and his wife, to be close when they will inevitably need me. I want to be near my family, the ones here and in Israel, and near the friends who have become like family, in both countries. My husband and I just returned from a long trip to Israel, where we spent quality time with both kids, dear cousins, and old friends. We also spent a few days looking around at communities to see where we’d feel at home. Even though that part was my idea—and I’m glad we did it— was very nervous about this aspect of the trip because it made me confront the question of moving yet again. And there is no good answer. I have a good job in the U.S., with a salary and health insurance. My husband has a good job, too. We are comfortable. We might be able to get jobs in Israel;
we might not. As we get a little older every year, those transitions become more difficult. But recently, I’ve been thinking about Tzur Yisrael, which means “Rock of Israel”—or God. Rocks are a recurring theme in the Bible: In the book of Genesis, Jacob puts his head down on a stone and has a prophetic dream of the protective angels ascending and descending a ladder between heaven and earth. The Ten Commandments were created of stone. Rocks can be hard and uncomfortable, but like God, they are steady, reliable, and persistent. Gems are made of stone. And as the book of Psalms reminds us, “The stone that was spurned by the builders turned out to be the cornerstone.” What I’ve realized is when I say I’m between a rock and a hard place, what I really mean is that I’m squeezed between two good things. So, for now, I will continue to live between my precious rock and my steady hard place.
I have always wanted to live in Israel—and at the same time, I’ve always wanted to live right here in the U.S. I want to be near ALL my kids.
Both my rock and my hard place are very good, even when they leave me a little bumped and bruised. And I need be comfortable, living here in the middle, and I need to have confidence that the balance will sort itself out. I need to be able to answer, “We’ll see,” and believe it. And if I can create a space for myself between the rock and the hard place, the answers might have room to become clear. Susan Hornstein is an Orthodox Jewish Zionist feminist living in Highland Park, New Jersey. She holds a doctorate in cognitive psychology and works as an information architect and website designer. She is the director of the Central Jersey Chapter of HaZamir, the International Jewish teen choir, and sings and gives divrei Torah around New Jersey.) Kveller is a thriving community of women and parents who convene online to share, celebrate and commiserate their experiences of raising kids through a Jewish lens. Visit Kveller.com.
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jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 21
Retirement First PErson
Rollover your IRA for good Scott Kaplan
A
re you frustrated by these following required minimum distribution (RMD) rules for your IRA? • You must withdraw a portion of your IRA each year based upon your age (starting at age 70½), e.g. your “RMD.” • You must pay income tax on the portion you withdraw. • You will face stiff penalties if you fail to withdraw your RMD. Did you know you may have another option? It’s called the Charitable IRA Rollover. This is a tax planning strategy for donors giving anywhere from $100 to $100,000 that was made a permanent part of the tax law as of 2016. Now, since the new tax cuts bill went into effect for 2018, it will be even more
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relevant as millions of Americans will take the increased standard deduction and lose the incentive to itemize their taxes, including charitable deductions. So, how does it work? Once you turn 70½, you must start taking “required minimum distributions” (RMDs) out of your traditional Individual Retirement Accounts (IRA). Normally, these distributions count as taxable income. Beginning at 70½, you can make gifts directly from your IRA to any public charity, such as the Tidewater Jewish Foundation. These “charitable rollovers” count as part of your required minimum distribution, but aren’t taxable income to you. That’s a big benefit, particularly if, like most seniors,
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you don’t itemize deductions on your individual tax returns to reduce your taxable income. If you are 70½ or older (or know someone who is), here is an easy way to help the Jewish community. Rather than simply take your withdrawal this year, direct your IRA administrator to
distribute a gift from your IRA to benefit the Jewish community. Any amount you transfer counts again st your required minimum distribution (RMD), and you can direct Scott Kaplan up to $100,000 to your favorite causes this year. Making an IRA Rollover Gift is easier than ever. Here are the simple steps: 1. Contact your IRA administrator. Because of the popularity of the rollover, most administrators provide forms and a procedure to help make a rollover gift. 2. Direct a transfer of up to $100,000 from your IRA to the Tidewater Jewish Foundation. This gift can be designated to benefit any of our local charitable organizations. 3. You will pay no income taxes on the amount transferred. Note: Because you are not claiming the transferred amount as income, you will not receive an income tax deduction for your gift. 4. Contact Scott Kaplan at 965-6109 or email skaplan@ujft.org to let us know how you would like your gift to be used. Caution: The check from your IRA must be made out to a charity (such as TJF), not to you. Call the financial institution that holds your IRA and ask about its charitable rollover procedures. You will likely need to complete a simple distribution form, naming TJF as the recipient and specifying the dollar amount. This information is not intended as tax, legal, or financial advice. Gift results may vary. Consult your personal financial advisor for information specific to your situation. Scott Kaplan is president and CEO of Tidewater Jewish Foundation.
Retirement Does today’s economy make retirement impossible? L
ife in retirement, which once conjured images of golf and sunsets at the beach, took on a drearier edge in recent years as more people realize they are unprepared financially to stop working. The Washington Post has called it “the new reality of old age” and quoted one 74-year-old man saying he will need to work until he dies. For those who have retired, a Fidelity study found that 55 percent are at risk of running out of money before their lives end. Think of this statistic—more than half of those surveyed aren’t prepared. Are you? “When the stock market was falling in 2008, I had prospective clients share with me they had lost tens or hundreds of thousands of dollars, and some even shared how many years of work they had lost,” says Troy Bender, president and CEO of Asset Retention Services Inc. “They wanted the losses to stop, and they were desperately looking for help.”
In addition to the recession, several other factors contributed to their retirement woes. Most businesses no longer offer pensions, so retirees must rely more on their savings. People also need to rely more on Social Security, but Social Security replaces usually only 40 percent of a person’s pre-retirement earnings. In addition, according to Social Security, they have shared on their website that they may end up paying 75 cents on the dollar in 2033. All of this raises the question: Is it even possible to retire in today’s economy? The answer is “yes,” Bender says, but even those who planned well and saved plenty need to be careful as they near, and enter retirement. With many clients in their 80s and some in their 90s—we all have to plan to live a lot longer. A few tips to help retirees and pre-retirees protect and grow their money include: • Know when to take Social Security.
If you don’t choose the most advantageous time to start drawing Social Security, you could leave a lot of money on the table. Several factors can come into play here depending on your personal situation, so it’s best to seek professional advice. Employees at your local Social Security office generally aren’t equipped to give you that kind of advice. • Live by the “Rule of 100.” This is critically important. In the investing world, the “Rule of 100” says that the percentage of a person’s portfolio that should be in stocks should be equal to 100 minus their age. So, for example, someone who is 60 should have 40 percent of their portfolio in stocks and the other 60 percent should be in bonds or other lower-risk investments. “If you aren’t living by the ‘Rule of 100,’ you should be, especially if you are 50 or older,” Bender says. • Plan for long-term care. A person who turns 65 today has nearly a 70 percent
chance of needing some type of long-term care services at some point, according to the U.S. Department of Health and Human Services. The cost can be devastating, so it’s important to plan financially for this likely eventuality. One option is long-term care insurance. “Sometimes people expect a family member to take care of them in these situations, but I encourage people not to be a burden to someone else,” Bender says. “The stock market is on a high right now, but we all know from experience that this situation is not going to last forever,” Bender says. “The closer you are to retirement—or are currently in retirement—the less time you have to recover from a downturn in the market. No one wants to be forced to continue working in retirement or to change their lifestyle because they experienced major erosion in their retirement portfolio due to circumstances beyond their control.”
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www.CommonwealthSL.com jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 23
Retirement Our 91st Season
Ruth Bader Ginsburg says she will serve as long as she has ‘steam’ Ron Kampeas
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WASHINGTON ( JTA)—Justice Ruth Bader Ginsburg told a Jewish audience that she would serve on the U.S. Supreme Court as long as she felt up to it. Ginsburg, appearing Thursday, Feb. 1 at a Forward event at Adas Israel synagogue in Washington, D.C., appeared to confirm recent reports that she plans on serving through Donald Trump’s presidency. “As long as I can do the job, I will be here,” she said to applause after joking that she can no longer set as a deadline the 23 years that Louis Brandeis served on the court. “I’m the longest sitting Jewish justice,” she said. “So I can’t use that.” Ginsburg, 84, who was nominated by President Bill Clinton, has served since 1993. Court reporters said last month that she seemed to signal her intention to wait out Trump when she hired clerks for terms through 2020. Ginsburg, unusually for a Supreme Court justice, criticized Trump during the 2016 campaign, calling him a “faker.” She later apologized. She is one of the more liberal judges on its bench. Ginsburg said she drew inspiration from Jewish teachings and her upbringing in an observant home. A champion of the Equal Rights Amendment in the 1970s, when she was gaining fame as a constitutional lawyer, Ginsburg said she still favored its passage, although doing so is a daunting challenge. (A constitutional amendment must be passed by 38 states.) “I have three granddaughters,” she said. “I would like them to see in the Constitution that men and women are persons of equal citizenship stature.” Ginsburg spoke with Forward editorin-chief Jane Eisner about her fascination with American Jewish history. The justice seemed equally taken with the lives of Brandeis, the first Jewish Supreme Court justice, and Judah Benjamin, a slave
24 | Jewish News | Retirement | February 19, 2018 | jewishnewsva.org
owner and a member of the Confederate Cabinet. “Jews come in all sizes and shapes, and some are very good and some are not so good,” she said, noting that both Benjamin and Brandeis faced anti-Semitism on the job. Speaking of how her Jewishness informed her judicial philosophy, Ginsburg said she believed that the American troops’ encounter with the Nazis persecution of the Jews during World War II helped end segregation.
Ruth Bader Ginsburg, Associate Justice of the Supreme Court of the United States, September 15, 2010.
“And I said it was not good enough for Ginsburg.”
The dissonance was unbearable for Americans after that, she said. “We were fighting a war against odious racism, and our own troops until the end of that war were rigidly separated by race,” she said. “I consider World War II one of the major compelling forces to the Brown v. Board of Education decision,” the 1954 Supreme Court ruling that declared school segregation unconstitutional. In 1993, Ginsburg was the first Jewish justice on the court since the late 1960s,
and she soon faced her first challenge. The Supreme Court bar inscribed its certificates “in the year of our Lord,” and Orthodox Jews who were admitted found themselves unable to display them. They appealed to her to make their case. The bar association tried to win her over with an appeal to custom and her Jewish predecessors on the court. She quoted someone as telling her, “It was good enough for Brandeis, it was good enough for [Benjamin] Cardozo, it was good enough for [Felix] Frankfurter, it was even good enough for [Arthur] Goldberg.” “And I said it was not good enough for Ginsburg,” she said. As a result, now Supreme Court bar members have an array of choices of how to inscribe the year on their certificates. Ginsburg was playful and appeared to enjoy herself. Asked Eisner’s traditional last question for interviews, her favorite type of bagel, Ginsburg bowed her head and placed a hand to it, affecting deep concentration. “New York poppy seed,” she said— mirroring the choices of Barack Obama and Benjamin Netanyahu.
Retirement Medical cannabis significantly safer for older patients with chronic pain than opioids
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Ben-Gurion University of the Negev research BEER-SHEVA, Israel, February 14— Medical cannabis therapy can significantly reduce chronic pain in patients age 65 and older without adverse effects, according to researchers at Ben-Gurion University of the Negev (BGU) and the Cannabis Clinical Research Institute at Soroka University Medical Center. The new study, published in The European Journal of Internal Medicine, found cannabis therapy is safe and effective for older patients who seek to address cancer symptoms, Parkinson’s disease, post-traumatic stress disorder, ulcerative colitis, Crohn’s disease, multiple sclerosis, and other medical issues.
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“While older patients represent a large and growing population of medical cannabis users, few studies have addressed how it affects this particular group, which also suffers from dementia, frequent falls, mobility problems, and hearing and visual impairments,” says Prof. Victor Novack, M.D., a professor of medicine in the BGU Faculty of Health Sciences (FOHS), and head of the Soroka Cannabis Clinical Research Institute. Novack is also the BGU Gussie Krupp Chair in Internal Medicine. “After monitoring patients 65 and older for six months, we found medical cannabis treatment significantly relieves pain and improves quality of life for seniors with minimal side effects reported.” This older population represents a growing segment of medical cannabis users, ranging from approximately seven percent to more than 33 percent, depending on the country. Recent U.S. polls indicate Americans over 65 represent 14 percent of the total population and use more than 30 percent of all prescription drugs, including highly addictive painkillers. BGU researchers surveyed 2,736 patients 65 years and older who received medical cannabis through Tikun Olam, the largest Israeli medical cannabis
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supplier. More than 60 percent were prescribed medical cannabis due to pain, particularly pain associated with cancer. After six months of treatment, more than 93 percent of 901 respondents reported their pain dropped from a median of eight to four on a 10-point scale. Close to 60 percent of patients who originally reported “bad” or “very bad” quality of life upgraded to “good” or “very good” after six months. More than 70 percent of patients surveyed reported moderate to significant improvement in their condition.
The most commonly reported adverse effects were dizziness (9.7 percent) and dry mouth (7.1 percent). After six months, more than 18 percent of patients surveyed had stopped using opioid analgesics or had reduced their dosage. While the researchers state their findings to date indicate cannabis may decrease dependence on prescription medicines, including opioids, more evidence-based data from this special, aging population is imperative.
jewishnewsva.org | February 19, 2018 | Retirement | Jewish News | 25
Join Our Team!
Retirement
ADVERTISING ACCOUNT EXECUTIVE
Senior Seder 2018
Position Available Sales experience a must • Media sales, a plus • Flexible hours • Great earning potential
Wednesday, March 21, 12 pm Simon Family JCC
•
If you are an ambitious, high-energy, self-starter with good people skills, this might be the job for you!
Interested?
Contact Taffy Hunter, Human Resources director, at 757-965-6117, resumes@ujft.org or submit resume to
Jewish News
Attention: Human Resources 5000 Corporate Woods Drive Virginia Beach, 23462
T
he Joseph Fleishmann Memorial Fund of the Tidewater Jewish Foundation and the Simon Family JCC invite Seniors to celebrate Passover at the Senior Seder. Rabbi Michael Panitz and Cantor Elihu Flax lead the Senior Seder, 2017. Taking place in the Multipurpose Room at the Simon Family JCC, Rabbi Michael Panitz and Cantor Elihu Flax will lead a traditional Passover Seder including customary prayers and food. RSVP is required. Tickets are $10. Open to the entire Senior community. Contact Naty Horev for more information at nhorev@simonfamilyjcc.org or 757-321-3182.
Rollover Your IRA for Good
By taking a distribution from your IRA this year, you will likely pay more in taxes and may even reach a higher tax bracket. Rolling over part of your IRA’s “required minimum distribution” or “RMD” to The Tidewater Jewish Foundation can help reduce your tax bill while supporting the Jewish community.
Double the Benefits!
An IRA Charitable Rollover gift can benefit both you and our community! Contact your IRA administrator to get started with your gift. While you will not receive an income tax deduction, you will not pay taxes on any distributions made to us. The Tidewater Jewish Foundation can help you use your charitable rollover to benefit one or more agencies in our community. For a confidential conversation and more information contact Scott Kaplan, President and CEO at 757.965.6109 or skaplan@ujft.org.
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70½ OR OLDER YOU CAN DIRECT UP TO
100,000
$