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Planning for The Future

Inside This Issue

• A Family-First Approach to Charitable Giving

• How to Remember Us in Your Will: 4 Easy Steps

• On Your Own Terms: How to Take Care of Family First

Growing up on a dairy farm near Longmont, Colo., Jack Haselbush has always been proud of his agricultural roots. Those roots led him to Colorado State University, where he majored in dairy sciences and was a member of the FarmHouse Fraternity. He planned to return to the family business after graduating in 1970, but his father gave him some advice that changed the path of his career.

“My dad thought it would be a good idea if I got a job for a couple of years before committing my life to running the dairy farm,” Jack says. Jack’s father, who served on the board of a local bank in Longmont, talked to the bank president, who connected him with a colleague at First National Bank in Denver. Jack enrolled in the training program with First National Bank, and thus began his career in banking. “Even though my background was in agriculture, it worked out really well,” Jack says. “They had a lot of agribusiness clients that the smaller, rural banks couldn’t handle. So I was able to combine my agricultural

background with the banking business, and that became my area of expertise.” Jack worked at First National Bank in Denver for 10 years; managed a bank in Gillette, Wyo., for five years; and eventually took control of

“Being a banker in a small town, I learned that you have to put back some of what you take out.”– Jack Haselbush

Jack and Shirley Haselbush

Continued on Page 3

A Gift-Giving Publication

With Early Retirement, a Legacy

Did you know that in addition to passing assets to loved ones, your will or living trust can also be used to define your legacy through support of Colorado State University? When you remember us through a gift in your estate plans – known as a bequest – you join a special group of people that has helped make possible some of our most important advances.

Advantages of Bequests • Simplicity. A few sentences, called

bequest language, in your will or living trust are all that is needed to complete your gift.

• Flexibility. Until your will or trust goes into effect, you are free to alter your plans.

• Versatility. You can bequeath a specific item, an amount of money, a gift contingent upon certain events, or a percentage of your estate.

• Tax benefits. Your estate is entitled to an unlimited estate tax charitable

A Family-First Approach to Charitable GivingRemember Colorado State University in Your Will or Living Trust

deduction for gifts to qualified charitable organizations like Colorado State University.

How a Bequest WorksYour estate planning attorney can help you structure a gift so your loved ones will be taken care of first after you’re gone. He or she will include our official bequest language in a will or living trust you create, or add it to existing documents through an amendment called a codicil. A popular bequest option is to leave a percentage of what is left of your estate after other beneficiaries have received their share so your gift will remain proportionate to the size of your estate, no matter how it fluctuates.

If you’re interested in giving to the University through a bequest in your will or living trust, go to www.plannedgiving.colostate.edu to get the language you need to take to your estate planning attorney to add to your will or trust.

Your gift can be a specific asset, such as a certain amount of cash, securities or property, or a percentage of your estate. Plus, not only is a gift in your will flexible – you can change your mind at any time – but it can be accomplished in as little as four steps: 1. Determine whether you’d like to make a

gift of a specific amount or if you’d like to leave a percentage.

How to Remember Us in Your Will 4 Easy Steps

2. Decide if you want to direct your gift to help particular projects or leave your gift unrestricted, allowing it to be used for our most pressing needs.

3. See your attorney to include your gift in your will or revocable living trust.

4. If you desire, please notify us of your intention so we can thank you and keep you informed of ongoing activities.

Remembering Colorado State University in your will is the most enduring statement you can make about your belief in our mission. The support you have offered throughout your lifetime can go on for years to come.

The Frontier Society recognizes individuals who share the philanthropic spirit of the early settlers who founded Colorado State University and have decided to support the University’s future through planned gifts.

Planned gifts include, but are not limited to: • Gifts in your will or revocable living trust. • Life income arrangements, such as gift annuities

and charitable remainder trusts. • Charitable lead trusts. • Gifts of life insurance. • Gifts of stocks and bonds.

By becoming a member of the Frontier Society, you express your belief in Colorado State University and demonstrate your commitment to improving the future through higher education. Your generosity not only works as a catalyst for positive change but also inspires others to get involved and make a difference. Please contact us for more information about how you can join the Society.

the Estes Park Bank. It merged with Vail Banks in 2000, and Jack went into semiretirement. At that time, Jack’s wife, Shirley, was working as a pharmaceutical

representative for Wildlife Pharmaceuticals in Fort Collins, which supplied drugs and delivery equipment for wild and exotic animals in zoos around the country. “My very first job was in an appliance store in my hometown in Iowa, and I knew right away that I wanted to work in sales,” Shirley says. “I met a lot of really neat people, and the customer always came first with me.” Although she was not considering retirement at the time of the Estes Park Bank merger, the sale of their stock enabled her to take early retirement, too. “I probably got out of banking 10 years before I had planned to, but I’m glad we got out when we did because the economy was still good,” Jack says. “And being a banker in a small town, I learned that you have to put back some of what you take out.” Jack and Shirley decided to use their stock from the sale of the Estes Park Bank to establish the Haselbush Family Scholarship, benefiting students in

Continued from Page 1

With Early Retirement, a Legacy

The Frontier Society

—Planning for the Future—

the College of Agricultural Sciences. They also have designated CSU as a beneficiary in their wills, and they have established a scholarship in the FarmHouse Fraternity Foundation to be awarded yearly to a CSU FarmHouse Fraternity member. “The satisfaction in giving comes from being able to help someone, or some cause, or some program that would not be able to survive if it weren’t for financial help,” Jack says. “Those who come from agricultural backgrounds have families with a lot of assets but not a lot of capital. These scholarships will help someone go to college that otherwise would not be able to.” For Jack and Shirley, retirement is all about family, especially the grandchildren. They are very involved with the FarmHouse Fraternity and CSU golf; they hold season tickets for CSU volleyball; and they give to the things they are most passionate about. “We’re pretty lucky,” Jack says. “So I think for those of us who have been successful, why not help others?”

We are happy to adhere to your wishes regarding anonymity.

A gift in your will is an easy way to support Colorado State University. Contact us to learn more about this simple way to ensure our mission continues into the future.

If you understand the urgency to update – or create – your estate plan but don’t know where to start, we’ve provided you with three actions to take right now to get things moving.

Return the reply envelope to receive What You Need to Know About Wills. You’ll learn what life changes require a will update and how to begin the process.

Learn about the other tax-savvy options you have to support your favorite cause by requesting a FREE eBrochure by visiting www.plannedgiving.colostate.edu and clicking “eBrochures.”

Locate a copy of your will and review it for any possible changes. If you don’t have one yet, make it a priority to create one. Call your estate planning attorney for help to ensure that your wishes are properly fulfilled.

Action ListPlanning Measures You Can Take Today

© The Stelter CompanyThe information in this publication is not intended as legal advice. For legal advice, please consult an attorney. Figures cited in examples are for hypothetical purposes only and are subject to change. References to estate and income taxes include federal taxes only. State income/estate taxes or state law may impact your results.

Demands on your time and wallet increase daily, and it’s easy to become overwhelmed with all the obligations that come up. Perhaps one of the items on your to-do list is to send a donation to help support Colorado State University, but because you are already stretching your funds in many directions, you may not be sure you can be as charitable as you would like at this time.

Keep Your Cash FlowAdding a bequest provision to your will or living trust could be the answer. By making a gift of your assets at death – be it cash, stocks, real estate, or other property – there is no need to affect your current cash flow. And since the bequest doesn’t go into effect until after your lifetime, you can change the provisions in your will or trust at any time.

On Your Own TermsHow to Take Care of Family First

If you wish to give us a percentage of what is left of your estate after other beneficiaries have received their share, you can. By making a gift of a percentage of your estate, your gift will remain proportionate to the size of your estate, no matter how it fluctuates. Plus, there are no estate taxes owed on amounts left through a charitable bequest.

Pledge Your Future SupportIn many cases, bequests offer the best of both worlds. You retain full control of your assets without depleting them now, while helping ensure that Colorado State University continues to grow and thrive in the future. Contact us to learn more.

Office of Gift Planning | University Advancement521 University Services Center | 601 South Howes StreetFort Collins, Colorado 80523-7115(970) 491-7862 | FAX: (970) 491-5732Marianne Blackwell | Director of Gift Planningmblackwell@ua.colostate.edu | www.plannedgiving.colostate.edu

Suggested reading: Why Give Retirement Plan Assets to Charity?: Avoid Paying 35 Percent or More in Taxes.

Thank you for

your support!

Your gift, large

or small, helps

us carry out

our educational

mission.

Evenwitharathersimpleestate,hirealawyerexperiencedindraftingwills.Payingalawyertoguideyouthroughthemazeoflegaleseismoreofaninvestmentthananexpense. Do-it-yourselfwillkitsthatprovidecomputer-generatedformsandfill-in-the-blanktemplates,whileinexpensiveandtemptingtouse,can’tprovidetheexpertlegaladviceyouneedtoproperlyplanyourestate.

How do I leave a charitable gift to my favorite charity in my will?

A.Whenyouleavegiftstousbywill,yourestateenjoysthebenefitsofthe“unlimitedcharitableestatetaxdeduction,”andyoucontinueyourgeneroussupportofourmissionevenafteryou’regone. Thefirststeptowardleavingabequesttousistomakesureyouhaveanup-to-datewillandestateplan.Youwillneedtoaddspecificlanguagetoyourwilltocreateabequest;thefollowingsamplelanguagecouldbeusedbyyourattorneywhenmakingabequesttoourorganization:

“�I,�[name],�of�[city,�state�ZIP],�give,�devise�and�bequeath�

to�[legal�name�of�organization]�[written�amount�or�

percentage�of�estate�or�description�of�property]�to�be�used�

as�determined�by�its�governing�board.”

Youcanalsoleaveacharitablegifttousbycreatingacharitabletrustthroughyourwill.Charitableremaindertrustsandcharitableleadtrustsaretax-smartwaystocareforchildrenandgrandchildren

INB19-D

andyourfavoritecharitableorganization,buttherearemanyotheroptions.Askusfordetails.

Can I revoke my will?A.Yes.Youarefreetoworkwithyourattorneyto

alteryourwillwithacodicil(anamendment).Youmayalsochangeyourwillentirelyatanytime.Notethatasectionofyourwilliscalled“RevocationofPriorWillsandCodicils.”Itisagoodideatokeepyouroldwillbuttomarkitwiththedateofthenewwillandwriteonitspagesthatithasbeenrevokedandreplacedbythenewwill.Thismaybeveryusefulinsituationswheredisgruntledindividualswanttochallengenewwills.

Going ForwardWhenyouhavefinishedmakingyourwill,youcanleavetheoriginaldocumentswithyourattorneyor,insomestates,withtheprobatecourt.Youkeepaphotocopyforyourself.(Manypeopleputthatphotocopyinasafe-depositboxorsomespecialplaceathome.)Informyourexecutororpersonalrepresentativeofthelocationofyouroriginalwill. Theremaybenobettertimethannow,whiletheinformationisfreshinyourmind,toplanforyourwill.Ifyouwouldliketolearnmoreaboutincludingusinyourwill,wewouldbehappytoansweranyquestionsandassistyouinyourplanning—pleasegiveusacall.

6 7

Q

Q

E printed on recycled paperThe information in this publication is not intended as legal advice. For legal advice, please

consult an attorney. Figures cited in examples are for hypothetical purposes only and are sub-

ject to change. References to estate and income taxes include federal taxes only. State income/

estate taxes or state law may impact your results. What You Need to Know About Wills

Office of Gift PlanningUniversity Advancement

521 University Services Center601 South Howes Street

Fort Collins, Colorado 80523-7115(970) 491-7862

FAX: (970) 491-5732Marianne Blackwell

Director of Gift Planningmblackwell@ua.colostate.edu

www.plannedgiving.colostate.edu

INB19-D © The Stelter Company

Somepeopleavoidmakingorupdatingawillbecausetheydon’twanttofacemortality.Butthetruthis,awillisn’tallaboutpreparingfordeath—it’sexercisingabasicrightandensuringthatyou,yourfamilyandyourfriendsarefinanciallyandemotionallyabletoenjoylife.Thinkofcreatingorupdatingawillasanessentialandpracticaltask—likebrushingandflossingyourteeth—thatpreventstheworstandsetsyouupforthebest. Plus,awillistheperfectwaytoextendyourloveforyourspouse,childrenandgrandchildrenwhileshowinggratitudetofriendsandcharitablecausesthathavebenefitedyourlife. Herearesomequestionsandanswersthatexplainhowawillfitsintoyourestateplan.

What happens if I don’t have a will? A. Perhapstherewouldbemorewillscompleted

ifmorepeoplewereawareoftheconsequencesofdyingwithoutone.TheUniformProbateCode,adoptedatleastinpartby18states,hasasectiononhowpropertyispassedifyoudonothaveawill.Thissectionis

Andonemorethingtoconsider:The Uniform Probate Code does

not contain a provision for making a

charitable gift or for�reflecting your

promises and intentions to family and

friends. This is why you need to make

your own will.

Do I really need an attorney to create a will?

A. Yes.Youneedanattorneytodraftyourwillsothatitislegallyacceptableandpreciselyaccomplishesyourgoals.Letyourattorneyknowhowyouwanttodistributeyourestate,whomyouwanttobeexecutorandwhatcharitiesyouwishtosupport. Yourattorney’sestateplanningknowledgebecomesespeciallyimportantifyouownabusiness,ifyourestateissubstantialorifyouanticipateachallengetothewill.

For many people, making a will doesn’t seem easy. Maybe that’s why millions continue to avoid doing it. Read on to learn why putting off this simple task could be the biggest mistake you’ll ever make—and why you owe it to your family and friends to create or update your will.

Don’t Wait Another DayWhy a Will Is the Most Important Document You’ll Own

2 3 4

□ Make a list of all your major assets.

□ Decide which individuals or organizations you want to receive specific possessions or a share of your assets.

□ Contact an attorney who specializes in estate planning.

□ Choose your executor (a personal representative who will implement your wishes).

□ Have your attorney draft your will.

□ Sign and date it before the proper witnesses (in some states, it must be notarized to be valid).

□ Keep it in a safe place and make sure others know where it is and have access to it.

How to Create a Will

Q

Q

summarizedbelow.Youshouldcontactanestateplanningattorneyinyourstatetodeterminehowyourestatewillbeaffected.

Division Under the Uniform Probate Code ■ If there is a surviving spouse and no children,

all property passes to the spouse.

■ If there is a surviving spouse and one child,

half of your property passes to your spouse and

the other half passes to the child.

■ If there is a surviving spouse and two or more

children, one-third of your property passes to the

spouse and the remainder is divided in equal shares

among the children.

■ If there are children, but no surviving spouse, the

property is divided in equal shares among the children.

■ If there is no spouse and no children, the property

is evenly divided between your parents. If no parents

are living, it is evenly divided among the descendants

of your parents.

■ If there are no living relatives, the property reverts to

the state.

You Can’t Take It With You When You Go …But Where Will It Go?

Dear Friends,

All too often, when people are urged to create a will, they dismiss it thinking it’s something only the extremely wealthy need to do, or those who are getting ready to pass away. If you’ve fallen into this line of thinking, you need to know that without a plan in place today, your estate may end up divided in ways you never intended.

The truth is, everyone needs a will. In this issue of Planning for the Future, you’ll learn about misconceptions people have about wills, and the truths that, hopefully, will encourage you to begin creating or updating your estate plan today.

Why Is an Estate Plan So Important?Without a will, state law will dictate how to distribute your estate – without any consideration of your wishes. Do any of the following statements apply to you? • You have a home or personal property such as cars, furniture, and collectibles. • You have children who are not of legal age and need a guardian. • There are people or charitable causes you wish to support.

If so, then you need a will. And if you’re feeling unsure about how to allocate assets and belongings to the people and organizations you love, you’ll find tips on how to begin that process inside this issue.

We have been careful stewards of the generosity that has been provided to us so that we can fulfill as many needs as possible. We truly appreciate your loyalty and are here to answer any questions you may have about supporting our important work.

Sincerely,

Marianne Blackwell, Director of Gift Planning (970) 491-7862 mblackwell@ua.colostate.edu

P.S. Remember to return the enclosed reply envelope for more information on planning for your loved ones. To learn more about supporting our work, please visit us at www.plannedgiving.colostate.edu.

Office of Gift PlanningUniversity Advancement

521 University Services Center601 South Howes Street

Fort Collins, Colorado 80523-7115FAX: (970) 491-5732

www.plannedgiving.colostate.edu

FREE Guide!Learn why a will is the most important document you’ll own in What You Need to Know About Wills, where you’ll learn what will happen to your estate if you don’t have a will as well as steps you’ll need to take before creating one.

William M. Sheets, Senior Director of Development (970) 491-4679bsheets@ua.colostate.edu

Place Stamp Here

OFFICE OF GIFT PLANNINGCOLORADO STATE UNIVERSITYCAMPUS DELIVERY 7115FORT COLLINS CO 80523-7115

❍ Please send me the FREE guide What You Need to Know About Wills.

❍ I’d like more information about estate and gift planning.

❍ I’ve included Colorado State University in my estate plans (and haven’t previously notified you).

Thank you for supporting Colorado State University students!

We respect your privacy! Information collected here will be kept strictly confidential. It will not be sold, rented, loaned, or otherwise disclosed, and it will not be used in ways to which you have not consented.

Name (Please print)

Telephone E-mail

Address

City, State ZIP

Think You Don’t Need a Will? Think Again.

521 University Services CenterFort Collins, CO 80523-7115

www.plannedgiving.colostate.edu