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.

A Heartfelt Thank You to All the Caring Hearts

We at Sagepoint Senior Living Services are overwhelmed with gratitude for the incredible support we received during our end-of-year campaign, Caring Hearts. It is with immense pleasure that we extend our sincere thanks to everyone who contributed to this worthy cause. Your generosity has made a lasting impact on our mission to provide essential care to the most vulnerable members of our community.

Your support has been instrumental in helping us continue offering care, support and respect to enable those in our community to age gracefully. Through the Caring Hearts campaign, we continue our goal to expand community outreach efforts, developing caregiver support and training programs specifically tailored for those caring for loved ones with dementia and other long-term cognitive illnesses.

The Caring Hearts campaign has been a beacon of hope and support, allowing us to reflect on the milestones achieved in providing crucial care to those who need it the most. Denise McCann, Sagepoint’s Chief Nursing Officer, aptly captures the essence of our mission: “Helping our residents be as happy and healthy as possible is what motivates me every day.” It takes a caring heart to support seniors with dementia, and our dedicated staff exemplifies this through their kind disposition, deep understanding of the condition and unwavering commitment.

Lauren Sweeney, Sagepoint Resident Assistant, emphasizes the shared passion within the team. “Our whole team shares the same passion when it comes to providing care for our residents.” This passion is the driving force behind the Caring Hearts campaign, aiming to raise awareness of dementia’s effects on individuals, families and communities.

As we navigate the growing number of Maryland residents living with dementia, expected to increase by 20% in the coming years, your contributions become even more crucial. As a nonprofit serving older adults for nearly 50 years, Sagepoint remains dedicated to helping people stay in their homes for as long as possible. This commitment is upheld by our caregivers who go the extra mile, ensuring our residents receive the care and support they need.

We want to extend our most heartfelt gratitude to every individual and organization that has been a part of the Caring Hearts campaign. Your caring hearts have made a difference, and together, we can continue brightening the lives of those affected by dementia.

Navigating the Challenges of Aging: Tips for Maintaining Independence in Seniors with Dementia

As our loved ones age, the threat of diseases like Alzheimer’s and other forms of dementia looms large. With over 6 million adults affected by Alzheimer’s disease in the U.S., it’s a concern that many families face. While these conditions bring cognitive and functional challenges, there are ways to support seniors in maintaining their independence and dignity.

Early Detection and Proactive Care

Early detection of cognitive decline is crucial. Regular check-ups and discussions about memory concerns with healthcare providers can lead to early diagnosis and better care planning. Utilizing services like the Medical Annual Wellness Visit can help in assessing cognitive impairment and managing other chronic conditions.

Embracing a Healthy Lifestyle

Research shows that physical exercise, not smoking and managing other cardiovascular risks can lower the likelihood of cognitive decline. Encouraging seniors to stay active, eat a balanced diet and engage in mental exercises can significantly contribute to maintaining their cognitive health.

Creating a Safe and Supportive Environment

Adapting the living environment to suit the needs of seniors with cognitive challenges is vital. This includes safety modifications in the home to prevent falls, using reminders and labels for orientation and simplifying daily tasks to enhance their ability to perform them independently.

Strengthening Social Connections

Social engagement is an integral part of healthy aging. Encourage seniors to participate in community activities, join clubs or groups and maintain regular contact with family and friends. This social interaction can help in slowing cognitive decline and improving overall well-being.

Supporting Caregivers

Caregivers play a critical role in the lives of seniors with dementia. Programs like the Resources for Enhancing Alzheimer’s Caregiver Health (REACH) provide valuable support and education for caregivers. Caregiver health directly impacts the quality of care they can provide, making their well-being a priority.

While the journey with Alzheimer’s disease and other forms of dementia is challenging, maintaining a senior’s independence as much as possible is crucial for their dignity and quality of life. By adopting these strategies, families and caregivers can help their loved ones navigate this path with grace and support.

Qualified Charitable Distributions for Your Philanthropic Goals

It’s the time of year for giving and with our end-of-year campaign, Caring Hearts, we have the perfect opportunity for you to contribute to a cause that supports our seniors. With your contributions, we’ll raise funds to help Sagepoint Senior Living Services grow awareness of dementia and the effects it has on the person, the family and the community as a whole. To achieve this goals, we will expand community outreach efforts through caregiver support and training programs for those who care for loved ones with dementia and other long-term cognitive illnesses.

Whether you have a loved one who lives with dementia or you know someone whose life has been touched by this illness, there are many reasons to support this worthy cause. But, did you know that there are tax incentives that make charitable giving easier than ever?

With tax-free charitable giving from an IRA, seniors age 70½ or older can make tax-free charitable donations from IRAs that count toward satisfying required minimum distribution and reduce taxable income. Read more about Qualified Charitable Distribution below as you consider your end-of-year donations.

What is a Qualified Charitable Distribution (QCD)?
A QCD is a tax-free charitable distribution of funds directly from the IRA trustee (custodian) of an eligible IRA account payable to a qualified charitable organization that can receive a tax-deductible contribution. A tax-free QCD is defined in IRS Publication 17 – Your Federal Income Tax for Individuals on page 126.

Normal distribution from an IRA of deductible contributions and earning is included in income and taxed as ordinary income. The tax-free QCD removes the distribution from taxable income. QCDs are recorded on Form 1040, U.S. Individual Tax Return 2018 – the sum total QCD distribution is included on line 4 a – IRA distribution, and the abbreviation ‘QCD’ is written on line 4 b – taxable amount.

Who is Eligible to Make a tax-free QCD?
IRA account owners and beneficiaries age 70 ½ or older on the date the tax-free QCD is made to one or more qualified charitable organizations.
Taxpayers who now claim the standard deduction can still make tax-free QCDs.

What type of IRA accounts are eligible for a QCD?
Traditional IRA, Rollover IRA, Inherited IRA accounts and non-active SEP and Simple IRA accounts are eligible for a tax free QCD. Active SEP or Simple IRA account currently receiving employee or employer contributions is not eligible.

Roth IRA accounts are eligible but a tax-free QCD will not lower income tax because distributions from Roth IRAs are already tax-free and not included in income.

What type of retirement savings accounts are ineligible for a QCD?
Employer-sponsored retirement plans, such as 401(k)s, 403(b)s and 457(b)s are not eligible for tax-free QCD. A normal or tax-free QCD distribution to satisfy the IRA RMD requirement in a given tax year cannot count toward satisfying the RMD requirement for employer-sponsored requirement plans.

However, an employer-sponsored plan account owner may consider a direct transfer rollover to an IRA Rollover account that would then be eligible for tax-free QCDs. RMD calculations for tax-deferred IRAs and employer-sponsored retirement plans for the current tax year will be based upon the fair market value of the account at the close of business on December 31 of the prior year, factored by your age and life expectancy. Therefore, before implementing a rollover strategy the time and suitability should be taken into consideration.

What is the tax-free QCD distribution limit?
Seniors age 70 ½ or older may make tax-free charitable donations and exclude up to $100,000 from gross income per tax year by making tax-free QCD’s directly from an IRA. There is no carry-over from year to year. Your spouse may also make a tax-free charitable donation and exclude up to $100,000 from gross income per tax year for a combined total of $200,000.

Summary
Whether you donate to our end-of-year Caring Hearts campaign or another worthwhile cause, tax-free QCDs may be a great way to fulfill your philanthropic goals and make a lasting charitable impact in your community. Always consult your professional tax accountant, estate planning attorney and/or investment advisor before implementing any strategy.