Gifting Appreciated Securities: A Tax-Efficient Strategy to Diversify Concentrated Stock Positions

Written by: Christine Parker, CFP®, APMA™, CRPC™, CSRIC®

Investors who hold significant positions in individual stocks face a unique challenge: while the growth potential is considerable, the risks associated with concentrated stock positions can be substantial. One way to address this challenge while supporting meaningful causes is through the tax-efficient strategy of gifting appreciated securities. This approach can help reduce concentrated risk, diversify a portfolio, and offer substantial tax benefits. Here’s how gifting appreciated securities works and how it can align with your philanthropic goals.

Understanding the Risks of Concentrated Stock Positions

What is a Concentrated Stock Position?

A concentrated stock position arises when a large portion of an investor’s portfolio is tied to a single stock. This could happen due to equity compensation, long-term investments in a successful company, or inheritance. While the growth potential is enticing, it exposes investors to significant risk.
Key Risks of Concentration:

Market Volatility: A downturn in a company’s stock price can significantly reduce an investor’s total wealth.
Sector-Specific Risk: Heavy concentration in one industry increases exposure to risks specific to that sector, such as regulatory changes or technological disruptions.
Limited Liquidity: Selling appreciated stock can trigger high capital gains taxes, which may deter investors from diversifying.

Gifting Appreciated Securities: A Dual Benefit Strategy

Gifting appreciated securities offers a twofold advantage: it allows diversification while supporting charitable causes. This strategy helps reduce concentrated risk in your portfolio while positively impacting the community.

Tax Benefits of Donating Appreciated Securities:

Avoid Capital Gains Taxes: Donating appreciated stock directly to a qualified charity avoids realizing the long-term capital gains on that stock, which can result in significant tax savings.
Charitable Deduction: If you itemize deductions, you may be able to deduct the stock’s fair market value, subject to IRS limits. This reduces your taxable income and provides a financial benefit.

Philanthropy and Impact:

Gifting appreciated securities lets you align your financial resources with personal values or corporate social responsibility goals. It also enables you to make a lasting contribution to causes that matter to you. Research has shown donors are likelier to contribute to causes that resonate personally, perceiving a more substantial alignment between their values and the organization’s mission (Halvorsen, Lynch, Brown, & McTernan, 2024).

Estate and Legacy Planning:

Incorporating stock donations into your estate plan can help reduce the size of your taxable estate, offering tax savings while leaving a generous legacy.

Eligible Charitable Giving Vehicles

There are several ways to gift appreciated securities to qualified organizations, each with advantages.

Direct Gifting to Qualified Charities:

Donating stock directly to a 501(c)(3) organization ensures that the charity benefits immediately. Before donating, confirm the nonprofit status using platforms like Charity Navigator, GuideStar, or the IRS Tax Exempt Organization Search to verify its credibility.

Donor-Advised Funds (DAFs):

DAFs offer flexibility and control over charitable giving. By transferring appreciated securities to a DAF, you avoid paying long-term capital gains, receive an immediate tax deduction, and can direct grants to multiple charities over time.

Charitable Remainder Trusts (CRTs):

CRTs combine philanthropy with financial benefits. You can receive income from the trust for a specified period while reducing your concentrated stock position. Additionally, CRTs provide tax savings through charitable deductions and deferring capital gains taxes on sales within the trust.

Strategic Considerations for Stock Donations

Timing for Maximum Benefit:

Consider donating stocks with the highest unrealized gains to maximize tax savings and effectively diversify your portfolio. This approach ensures that you minimize taxable income while achieving your diversification goals.

Integration with Overall Financial Plan:

Stock donation strategies should seamlessly fit into your broader financial and philanthropic strategy. Whether planning for retirement, building your legacy, or supporting charitable causes, ensure that your donations complement your long-term needs and objectives.

Collaboration with Advisors:

Working with financial, tax, and legal advisors is crucial to optimizing the benefits of gifting appreciated securities. They can help ensure compliance, maximize tax advantages, and integrate your gifting strategy with your financial plan.

Steps to Execute a Stock-Gifting Strategy

Evaluate Your Stock Holdings:Review your portfolio to identify over-concentrated positions. Assess the tax implications of gifting appreciated securities.
Choose Charitable Organizations or Vehicles: Select charities or charitable vehicles (like DAFs or CRTs) that align with your values and goals.
Collaborate with Advisors: Work with your financial advisor to plan and execute the transfer of appreciated stock to the chosen charitable entities.
Document the Gift: Ensure all stock transfers are documented adequately for tax reporting and compliance purposes.

Conclusion

Gifting appreciated securities is a smart strategy for managing concentrated stock risk,
achieving tax efficiency, and supporting causes that align with your values. It’s an
effective way to diversify your portfolio while making a meaningful impact on your
community. As always, consult with your financial, tax, and legal advisors to ensure your
charitable giving strategy is optimized for your financial goals and the charitable
missions you support.

References:

Halvorsen, C. J., Lynch, J., Brown, S., & McTernan, M. L. (2024). Approaches to Charitable Giving and Perceptions of Organizational Effectiveness Among Midlevel Donors. Nonprofit and Voluntary Sector Quarterly, 53(4), 926-947. Retrieved on January 23, 2025, from https://doi.org/10.1177/08997640231196888

Christine Parker, CFP®, APMA™, CRPC™, CSRIC® is the founder of Parker Financial, LLC. The firm provides Guardian Wealth Care services to help clients craft financial plans for a balanced life: career, care, and well-being. Christine formerly served on the Sagepoint Senior Services Foundation Board. Please note that not all investments or strategies are suitable for every individual. The information provided here is for general educational purposes only and does not constitute legal, financial, or tax advice. Please consult a qualified professional for personalized advice tailored to your specific circumstances. Parker Financial, LLC is a Maryland registered investment adviser
(RIA). 9300 Endowment Place, La Plata, MD 20646. www.pfadvisers.com ©2025 Proprietary. All Rights Reserved. Date: 1/23/2025

Sage Advice Series: Reflecting on Success and Looking Forward

The heart of any community lies in connection—and through the Sage Advice Series, we’ve witnessed just how powerful those connections can be. To everyone who has attended, shared and supported our events, thank you for making this series such a vital space for education, empathy and support in the world of senior care.

Creative Approaches for Peaceful Caregiving

The Sage Advice Series kicked off this year with a highly successful event in February 2024, where we had the pleasure of hosting author Joan M. Foust, R.N. Known as the “people whisperer” in senior care, Joan shared her expertise on “Creative Approaches for Peaceful Caregiving.” With extensive experience in geriatric care across hospitals, rehab centers and home health settings, Joan’s insights were invaluable. During her presentation, attendees discovered innovative strategies for establishing boundaries, communicating effectively and fostering harmony between caregivers and their loved ones.

August’s Project Lifesaver

Fast forward to August 2024, the Sage Advice Series spotlighted Project Lifesaver, an innovative safety program presented by the La Plata Police Department. This initiative aims to ease anxiety for families with loved ones diagnosed with dementia, autism, or related conditions that may lead to elopement or wandering. During the presentation, attendees learned how this program provides peace of mind and practical solutions for keeping loved ones safe.

Caring for the Caregivers in November

Caregivers give so much of themselves—it was time to give back with an evening dedicated just to them. In November 2024, we offered an evening of relaxation, self-care and practical insights—aptly named “Breath and Balance.” This special event included chair yoga, guided meditation and financial wellness tips, all curated to help caregivers recharge and refocus.

Attendees left feeling refreshed, inspired and better equipped to prioritize their own well-being—and a free week of yoga, generously sponsored by Zentral Station Yoga Studio.

Mark Your Calendar for February 12, 2024

Up next is an event that promises to be both immersive and eye-opening: “A Walk in Their Shoes: A Dementia Experience.”

Living with or caring for someone with dementia can feel overwhelming, but our event on February 12 is designed to bring understanding and connection at a whole new level. This immersive session will help participants understand the lived experiences of people with dementia, fostering empathy and compassion in caregivers, professionals and community members.

The event is free and open to everyone—whether you’re a caregiver, a family member, or someone curious to learn more.

Grateful for Your Support

Programs like the Sage Advice Series wouldn’t be possible without the generous support of our donors, sponsors and participants in our annual golf tournament and the people who give during our year-end campaigns.

We extend our heartfelt thanks to everyone who supports Sagepoint Senior Living Services. Your generosity enables us to provide compassionate care and innovative programs that enhance the lives of seniors and their caregivers.

Thank You for a Year of Caring Hearts

Your caring hearts have shone brightly during our End of Year Campaign and your generosity has been nothing short of incredible. Your support has helped us provide compassionate care to families and individuals navigating the daily realities of dementia. Because of you, we’re able to continue creating those vital moments of connection, dignity and comfort that mean so much.

Every dollar you’ve contributed this year is a testament to the caring hearts that fuel stories of compassion, resilience and hope. You’ve been an essential part of empowering Sagepoint caregivers to create moments of dignity and connection for those living with dementia. Thank you for your caring hearts, your commitment and for being such a vital part of this community.

But the truth is, there’s still so much more work to do. There are over 10 million new cases of dementia each year worldwide, according to Alzheimer’s Disease International. That’s one new case every 3.2 seconds.

Alzheimers, dementia, and memory loss diagnoses aren’t slowing down, until we can find a cure we can offer care. There’s still time to make your impact. Your gift can help transform lives, bring hope and remind our seniors that their moments matter. Every contribution, whether large or small, plays a vital role in strengthening our circle of care. Make your gift today to support families in need of compassionate dementia care.

Make Your Gift Today>>

Together, we can create a community where everyone feels supported, valued and cared for—no matter where their dementia journey takes them. Thank you for being part of our Sagepoint family.

2024 Sagepoint Golf Tournament: Swinging for a Cause, Driving Change

Our 2024 Sagepoint Golf Tournament was an incredible success, and we couldn’t be more grateful to everyone who participated and contributed to making the day so special. Held at the beautiful Swan Point Yacht & Country Club on October 2, the event brought together golfers, sponsors and supporters from across the region, all united by a shared goal—supporting the seniors in our community.

Coming Together for a Great Cause
Spirits were high as players teed off, kicking off a day filled with fun and rivalry on the greens. Attendees enjoyed not only the challenge of the course but also a fantastic array of local food and beverage offerings provided by our generous sponsors. Beyond the fun and camaraderie, the tournament was a powerful reminder of the immense support our community shows for Sagepoint and its mission.

Making a Difference Together
This year’s turnout was exceptional, with familiar faces and new participants coming together in a spirit of generosity and care. Thanks to this overwhelming support, we are proud to announce that we have made great strides toward our fundraising goals to support dementia care education as well as programs and services. These programs and services are critical in helping families navigate the challenges that come with dementia diagnoses, and we are so appreciative to have the continued backing of such a compassionate community.

Supporting Sagepoint’s Mission
While the day was filled with friendly competition, the true highlight was seeing how deeply our mission resonated with everyone involved. Your donations and participation are helping us further raise awareness about dementia and Alzheimer’s, as well as the lasting impact these conditions have on families and communities. Every swing of the club and every contribution has helped to make a difference.

We extend a heartfelt thank you to all who made this year’s Sagepoint Golf Tournament such a success. From our sponsors and participants to the dedicated volunteers and staff, we couldn’t have done it without your enthusiasm and dedication. Your support is truly making a difference in the lives of seniors and their families, and we look forward to building on this success in the future.

We look forward to seeing you next year for another fantastic day of golf and community spirit on September 17, 2025!

Caring Hearts, Changing Lives: Support Sagepoint’s End-of-Year Campaign

Every day is filled with moments that define us—shared laughter, heartfelt conversations and quiet times with loved ones. But for many seniors in our community, these moments are becoming harder to hold onto as dementia and Alzheimer’s take their toll. At Sagepoint, we’re committed to ensuring that no one faces this journey alone, and this year, we’re calling on our community to help.

Through our “Caring Hearts” campaign, we aim to provide the specialized care and support needed to preserve dignity, joy and connection for seniors affected by memory loss. As we close out another year, your generosity can make a lasting difference in their lives.

A Growing Need for Compassionate Care
Dementia and Alzheimer’s are on the rise—every year there are nearly 10 million new cases. Here in Maryland, we’re expecting a nearly 20% increase in Alzheimer’s cases in the next few years. For families, the journey is emotionally overwhelming, and finding compassionate, reliable care can feel like an uphill battle. That’s where Sagepoint steps in.

At Sagepoint, we provide not only expert care for seniors but also much-needed support for their families. Whether through our Adult Day Services, Assisted Living or Memory Care programs, we focus on giving each individual the respect, attention and warmth they deserve.

The Power of Your Support
By donating to our “Caring Hearts” campaign, you are directly supporting seniors in need. Your contribution helps us expand our services and develop critical caregiver support programs that make a real difference for families. Every dollar you give ensures that more people in our community can access the help and care they need.

Help Us Make a Difference
As the year draws to a close, we invite you to join us in making a difference. Together, we can ensure that seniors in our community continue to live with dignity, joy and care. Donate today to our “Caring Hearts” campaign, and be part of something truly meaningful.

Navigating the Financial Impact of Caregiving: Understanding Sequence of Savings Risk

Written by: Christine Parker, CFP®, APMA®, CSRIC®

As a working family caregiver, balancing the demands of caring for an older parent or loved one with managing your career and financial security can be overwhelming. Many caregivers reduce their work hours or leave their careers early to provide care, significantly impacting their retirement savings and long-term economic health. One of the critical financial challenges caregivers face is the sequence of savings risk.

What is the Sequence of Savings Risk?

The sequence of savings risk refers to the financial challenges caregivers encounter when they are forced to reduce or pause retirement savings due to caregiving responsibilities. This can occur in several ways:

Reduced Contributions to Retirement Plans: When you cut back on work hours or leave the workforce, your retirement accounts, such as 401(k)s, 403(b)s, or IRAs, decrease, limiting your future savings.
Fewer Employer Matching Contributions: By reducing work hours or stepping away from work, you may miss out on employer matching contributions, which can substantially impact the growth of your retirement savings over time.
Lower Social Security Benefits: Social Security benefits are based on your top 35 years of earnings. Work fewer years or at a reduced income. Your Social Security benefits in retirement may be lower than if you had continued working full-time in your higher earning years.
Lower Pension Benefits: Defined benefit pensions are typically calculated based on years of service and average salary, so reduced earnings or time worked can decrease the total pension amount.

Together, these factors create a savings gap that makes it more challenging to accumulate enough wealth to support a secure and comfortable retirement because Americans live longer and healthier lives.

The Impact of Caregiving on Financial Security

Research shows that many workers, including executives and professionals, leave to care for aging family members due to a lack of workplace flexibility and support services. This issue affects individuals across all income levels and career stages. The decision to leave the workforce for caregiving can lead to reduced income, stalled career advancement, and a growing wealth gap as retirement approaches.

Mitigating Sequence of Savings Risk

To protect your financial future while taking care of yourself, consider the following steps to minimize the sequence of savings risk:

Develop a Flexible Financial Plan: Create a plan that considers caregiving responsibilities and potential reductions in income while staying focused on your long-term financial goals. Work with a CFP® professional specializing in planning for individuals managing caregiving duties and who can help you navigate these complexities. To find a qualified CFP® professional, visit the CFP® Let’s Make a Plan website. [CFP® Let’s Make a Plan Website] (https://www.letsmakeaplan.org/find-a-cfp-professional).
Maximize Contributions When Possible: If you are still employed, contribute as much as possible to your retirement plan, mainly if your employer offers a matching program. This will help counterbalance future savings shortfalls.
Leverage Catch-Up Contributions: If you are over 50, take advantage of additional catch-up contributions to your retirement accounts to close the savings gaps created by caregiving-related work disruptions.
Build an Emergency Fund: A substantial emergency fund can prevent the need to withdraw from retirement savings during unexpected caregiving out-of-pocket expenses, preserving your long-term investments.
Consider Care Options: Professional care services like those offered by Sagepoint Senior Services can provide respite and ease some of caregiving’s emotional and financial burdens. Sagepoint offers services like adult day care, assisted living, and memory care, allowing you to continue working and contributing to your retirement savings while ensuring your loved one receives excellent care. Explore employee benefits programs and public and private support services for caregivers.

Maryland’s Family and Medical Leave Insurance (FAMLI) Program

In 2025, Maryland will launch the Family and Medical Leave Insurance (FAMLI) program, providing eligible workers with up to 12 weeks of paid leave to care for themselves or a family member with a “serious health condition.” This includes caring for parents, stepparents, spouses, domestic partners, grandparents, and other family members. FAMLI offers partial wage replacement of up to $1,000, allowing caregivers to take time off without losing their income or sacrificing their employment status.

Starting in July 2025, employees will notice payroll deductions for FAMLI, and benefits will be available the following year. This program is a financial lifeline for caregivers, offering wage support that helps balance work, caregiving, and long-term financial goals.

The FAMLI program will also help alleviate the sequence of savings risk by allowing caregivers to maintain income and continue making retirement contributions while fulfilling caregiving responsibilities. For more information, visit [Maryland’s Paid Leave website](https://paidleave.maryland.gov/workers/Pages/home.aspx).

Guiding an Improved Dementia Experience (GUIDE) Model

The Centers for Medicare & Medicaid Services launched the GUIDE Model this year. In limited areas, this new resource supports unpaid caregivers in navigating the complexities of Medicare services for older adults diagnosed with dementia.

Understanding Medicare coverage is crucial when managing the healthcare needs of a loved one with dementia, as it can help caregivers access essential services like hospital care, home health care, memory care, skilled nursing facilities, and hospice care. The model program provides detailed guidance on Medicare benefits, enrollment periods, and eligibility, making identifying coverage for cognitive assessments, memory care, and long-term care needs easier.

For more information and to explore the range of services available, visit the official Medicare website at [Medicare.gov](https://www.cms.gov/priorities/innovation/innovation-models/guide).

Maryland’s Family Caregiver Support Program

The Maryland Department of Aging administers the Maryland Family Caregiver Support program. It is a resource for family caregivers to care for older loved ones at home for as long as possible. Aging is a dynamic process that leads to new aspirations, abilities, and knowledge we can share with our communities. For more information, visit the [Maryland Department of Aging website] (https://aging.maryland.gov/Pages/national-family-caregiver-support.aspx).

The Role of Sagepoint Senior Services

Nonprofit organizations like Sagepoint Senior Services are crucial in supporting family caregivers in rural communities. Sagepoint offers professional care services, including part-time adult day care, full-time assisted living, and memory care. These services provide high-quality care for aging loved ones while enabling caregivers to maintain financial security by continuing to work.

By utilizing services like those offered by Sagepoint, caregivers can reduce the stress of caregiving while still contributing to their retirement savings and safeguarding their future financial well-being.

Conclusion: Balancing Caregiving and Retirement

Caring for an aging loved one is a rewarding but challenging responsibility, often placing significant financial strain on families. Addressing the sequence of savings risks associated with caregiving is crucial to safeguarding your long-term financial health and wellness. Developing a comprehensive financial plan, leveraging government support resources, and exploring community services like those offered by Sagepoint can help mitigate these economic risks. Finding this balance allows you to fulfill your caregiving responsibilities without compromising your future financial security.

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Christine Parker, CFP®, APMA®, CSRIC®, is the sole practitioner and founder of Parker Financial, LLC, an independent fee-only Registered Investment Adviser based in Maryland. At Parker Financial, LLC, our Guardian Wealth Care services are designed to support high-earning professionals facing the physical, emotional, and financial complexities of family caregiving for older parents.

Christine holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Accredited Portfolio Management Advisor℠ (APMA®), and Chartered SRI Counselor℠ (CSRIC®). She is pursuing a Master of Science in Personal Financial Planning at the College for Financial Planning and a Bachelor of Science in Business Administration with a Minor in Finance from the University of Maryland University College.

In addition to her professional work, Christine has held numerous leadership roles in community organizations, including past president of the Financial Planning Association of the National Capital Area and past chair of the Sagepoint Senior Services Foundation. She is also actively involved in several other nonprofit boards and committees. Please visit Parker Financial, LLC website for more information.

Caregiver Highlight – Abby Edejer

Abby Edejer embodies a deep commitment to the well-being and dignity of each resident under her care. From her early days as a floor nurse to her pivotal position as a delegating nurse, her journey showcases remarkable resilience, adaptability and unwavering compassion.

“I’ve been pretty much all over Sagepoint,” Abby shared, reflecting on her diverse experience within the organization. Her journey through different departments, including a pivotal role during the COVID-19 pandemic as an infection control and quality assurance nurse, has equipped her with a unique perspective on patient care.

Now serving as the delegating nurse in Assisted Living, Abby is the advocate for residents’ medical needs. “I am pretty much the go-to person for our residents here. If they need something, if they’re in pain, or if there’s a change in their condition, I’m the one they rely on to communicate with doctors and manage their care,” Abby stated, emphasizing her role as the residents’ voice.

Abby’s commitment extends beyond medical advocacy; she also manages the resident assistants and teaches the MedTech class, ensuring that her team is well-prepared to provide the best care possible. “I love what I do. It’s rewarding to interact with the residents daily, to see familiar faces and to know that I’m making a difference in their lives.”

Her inspiration to pursue nursing sprang from a deeply personal experience—three months spent in a hospital as a child, battling a complicated case of appendicitis. “The kindness I received from nurses during that time left a lasting impact on me,” Abby reminisced. “I was so young, yet I knew I wanted to care for others the way those nurses cared for me.”

Within Sagepoint, Abby particularly cherishes the connections she forms with residents. “If I can put a smile on their face, that’s all that really matters. It’s about making every interaction count, treating them with dignity and respect, as if they were my own family.”

Abby’s role often extends to being the first point of contact for families seeking updates or needing to discuss their loved one’s care. “I’m usually the person family members reach out to with concerns, and it’s my job to keep them informed and reassured,” she explained.

Outside of her demanding role, Abby enjoys the tranquility of her home, travel, and time with her dogs and family. “After a day filled with interactions, I treasure my quiet time at home or a peaceful getaway to the beach,” she said, highlighting her balanced approach to work and life.

Abby’s profound commitment to the residents and families of Sagepoint Senior Living Services exemplifies the institution’s values of compassionate innovation and inclusive care. As she continues to touch lives within the assisted living community, Abby Edejer remains a beacon of empathy and excellence in senior care.

Celebrating Older Americans Month

May marks the annual observance of Older Americans Month, a time to honor these beloved and important members of society. This year’s theme, “Powered by Connection,” emphasizes the essential role that social interactions play in enhancing the health and well-being of older Americans. At Sagepoint Senior Living Services, we are privileged to serve these remarkable members of our society, whose rich histories and wisdom greatly enhance our community.

The Value of Older Americans

Older adults bring invaluable experiences and perspectives that enrich our lives in countless ways. They are mentors, volunteers and leaders who contribute significantly to our communities. Their engagement in civic, social and family roles helps strengthen societal bonds and fosters an intergenerational exchange of knowledge and compassion. Recognizing their ongoing contributions is not only a celebration of their lives but an acknowledgment of their crucial role in the fabric of society.

The Importance of Connection

This year’s theme, “Powered by Connection,” resonates deeply with our mission at Sagepoint. It recognizes that meaningful relationships and active social lives are vital to maintaining mental, physical and emotional health. Connections can transform lives—combating loneliness and isolation, supporting independence and enabling aging in place with dignity.

Sagepoint’s Commitment to Enriching Lives

At Sagepoint, we are honored to provide care and support to older adults, helping to ensure that every day is lived to the fullest. From Assisted Living to Memory Care, our care is designed with the understanding that each individual is an important part of our community. We strive to create an environment that fosters robust social connections, thereby enabling our residents and participants to thrive.

We also encourage everyone to use the hashtag #PoweredByConnection to share stories and highlight the importance of social bonds. Let’s use this month to reaffirm our commitment to nurturing the ties that bind us across generations.

As we celebrate this special month, Sagepoint renews its dedication to honoring, supporting and caring for the senior members of our community. Their well-being is our mission, and their happiness is our reward.

Reflections on Past Sage Advice Community Conversations Events Before Our Next Event

At Sagepoint Senior Living, we have always been dedicated to creating a community that not only caters to the physical well-being of our residents but also fosters mental and emotional support. One of the ways we achieve this is through our Sage Advice Community Conversations events, which aim to enlighten, empower and connect our community members. As we look back on some of our recent events, we are excited to share the enriching experiences we’ve had and remind you to keep an eye out for our next event.

We were grateful to host some impactful conversations at our past events. At Creative Approaches for Peaceful Caregiving, special guest Joan Foust shared invaluable insights on harmonious caregiving, offering practical strategies to enhance cooperation and reduce stress. With our Understanding Dementia conversation, we demystified dementia while providing a comprehensive overview and support for families navigating this challenge. We also hosted an event on Navigating Legal Options for Advanced Care Planning. This conversation focused on the legal aspects of end-of-life care, offering families the knowledge to make informed decisions, and underscoring our dedication to a holistic approach.

Providing this resource for our community has become essential to our goal of supporting caregivers, seniors and their families. One attendee, Phillip Carpselli, expressed the value of sharing his experiences with others who understand. Another attendee, Brenda Dyer, shared her appreciation for the educational and supportive nature of the Sage Advice series.

From feedback in the community, we see that these Sage Advice Community Conversations are more than just events; they are a vibrant expression of our commitment to lifelong learning and communal support. They represent the wisdom, compassion and shared experiences of our community that continually strengthen our support.

It’s resources like these that make your contributions to our fundraising efforts, like the Caring Hearts campaign, so important. We could not make these valuable community resources possible without your unwavering support.

Stay tuned for more details about our next Sage Advice event, and we look forward to welcoming you for another enriching experience. Together, we continue to thrive and grow as a community that values wisdom, compassion and shared learning.

If you’d like to donate to support the Sage Advice Community Conversations Series and other community resources that Sagepoint provides, go to https://sagepointcare.dm.networkforgood.com/campaigns/383368.

Swing into Fall: Sagepoint’s Fifth Annual Golf Tournament Returns

We are thrilled to announce the return of the Fifth Annual Sagepoint Golf Tournament on September 18 at the Swan Point Yacht & Country Club. This year promises to be another fantastic event filled with camaraderie, friendly competition and the much-anticipated Sip & Swing festivities.

After years of remarkable success, both in fundraising and creating unforgettable memories among our community on the fairway, we can’t wait to welcome you back for another incredible event. This year’s proceeds from the tournament will contribute to Sagepoint’s Assisted Living and Memory Care programs and services. Our goal is to raise funds to enhance dementia education programs for families and the community at large. Your participation will support initiatives like the Sage Advice Community Conversation Series, addressing crucial topics related to dementia each month. We are also dedicated to expanding community outreach efforts to provide more resources and support for senior care navigation for older adults and their families.

Back by popular demand, our Sip & Swing festivities add a unique and laid-back twist to the traditional tournament schedule. Whether you’re a seasoned golfer or just looking to enjoy a day of leisure, the Sip & Swing option allows you to revel in the festivities and catch up with some familiar faces from our community.

There are a few ways to get involved in the event. Whether you want to become a sponsor or simply attend the event for a day of fun, you’ll be contributing to a cause that makes a big impact in the lives of our seniors. Registration for the Sagepoint Golf Tournament opens on June 1. Mark your calendars and get ready to sign up for a day of golf, camaraderie and community support. Stay tuned for more details and announcements as we approach the registration date.