Inside this issue:

New Residents 4-5

North Campus Open House

6

Life’s Better Here in Berne

6

Residential & Healthcare Activities

7

South Campus Wellness & Wellness Pavilion

10

Kinder Haus 10

Staff News 11

Mission Statement:

Swiss Village Retirement

Community is a not-for-profit

corporation, committed to

providing quality and affordable

retirement living facilities and

services in a Christian

environment that enhances life

with dignity, meaning and

appropriate care for the senior

adults from the surrounding

community without regard to

race, religion, sex, or handicaps

that can be accommodated within

our delivery system.

Swiss Village

August 2012 • Issue 529

May 31 marked the end of another fiscal year. On this page and the following you will find graphs that visually depict fiscal developments at Swiss Village over the past 44 years. It was last year that Swiss Village opened Westenfeld, a 14 bed rehabilitation unit for short term stays. This is the newest level of care, committed to intensive rehab. Originally this unit was scheduled to open in June, but due to unforeseen delays it was not opened till August. As a result we

experienced a drop in healthcare census that impacted revenues. At the same time we experienced a reduction in our Medicare and Medicaid reimbursement rates. To adjust to this reality, cost saving initiatives were instituted to reduce expenses. We continue to experience lower than acceptable census in congregate independent-living. A contributing factor is the turbulent economy. However, we believe that the age of the units is also a cause. To improve the

marketability of Zurich & Lucerne Haus renovations are currently underway. These efforts will continue in the months ahead. Plans are to have an open-house event this fall after completing renovations in Lucerne Haus. We continue to work at taking care of our aging buildings. Part of the renovation work scheduled for Zurich Haus includes repairs to the sinking floor created by soil shifting. The foundation and building structure is stable, but the floor has dropped causing interior

A LOOK AT FISCAL YEAR-END STATISTICS — Daryl L. Martin, Executive Director

SWISS VILLAGE EXECUTIVE TEAM AND BOARD MEMBERS

Executive Team: Daryl L. Martin Executive Director

Linda Arnold Director of Healthcare Services

Derick Bailey Director of Resident Services

Joe Burkhead Director of Information Services

Margie Dougherty Director of Human Resources

Michelle McIntosh Director of Marketing

Roger Young Controller

Board of Directors:

Kent Liechty, President

Tom Muselman, Vice-President

Linda Eicher, Secretary

Ted Lautzenheiser, Treasurer

Andrew Briggs

Paul Zuercher, Immediate Past President

Mark Settlemyre

Sharon Sprunger Wulliman

Greg Meyer

Nancy Subler

(CONT. ON PAGE 2)

wall cracks. Also, this summer the southeast section of Langfeld will receive new carpeting in the corridors causing a bit of inconvenience for a few days. In addition we anticipate small renovation projects along with redecorating to be occurring in several existing areas during the coming year. Again we want to thank the residents, donors and staff for your support during this past fiscal year. Much continues to happen to make Swiss Village a great place to live and work. The Board of Directors, administration and staff are committed to continuing Swiss Village’s tradition of excellence.

Balance Sheet Summary05/31/12 05/31/11

Assets

Cash 579,754.39 850,955.55

Accounts Receivable 709,959.72 685,850.09

Pledges Receivable 574,665.31 187,909.04

Investments 6,118,663.97 6,079,450.93

Property and Equipment 22,310,959.07 23,286,945.50

Other Assets 489,817.00 481,404.56

Total Assets 30,783,819.46 31,572,515.67

Liabilities

Accounts Payable 197,537.63 271,175.36

Accrued Expenses 770,333.49 1,002,769.95

Present Value of future annuity payments 331,065.37 429,133.34

Notes Payable EDC Bonds 6,420,000.00 6,590,000.00

Note Payable 35,974.36 21,903.06

Refundable facility fees 1,659,638.75 1,916,453.97

Deferred income on facility fees 2,380,973.41 2,620,601.28

Other liabilities 869,549.52 522,450.13

Total Liabilities 12,665,072.53 13,374,487.09

Net Assets

Unrestricted 13,049,889.48 14,027,220.68

Restricted - Samaritan's Endow ment 5,068,857.45 4,170,807.90

Restricted - Community Wellness Center 0.00 0.00

Total Net Assets 18,118,746.93 18,198,028.58

Total Liabilities and Net Assets 30,783,819.46 31,572,515.67

Page 2 August 2012

HAPPY BIRTHDAY RESIDENTS

IN MEMORY

Swiss Village experienced the loss of several residents who called Swiss Village home. Condolences go out to the family and friends of Doyle Winteregg who passed away June 23 at the age of 85. Doyle came to Swiss Village in June 2012. LeRoy Kinzer was at the age of 80 when he passed away on June 24. June 2009 was when he came to Swiss Village. We express our sympathy to the family and friends of LeRoy. On June 29 Mary Michel passed away at the age of 98. Mary had been at Swiss Village since May 2000. Our condolences are with Mary’s friends and family. On June 30 Herman Fosnaugh passed away at the age of 95. Herman had been at Swiss Village since August 1999. Our condolences are with Herman’s friends and family. Condolences go out to the family and friends of Ruth Schwartz who passed away July 4 at the age of 91. Ruth came to Swiss Village in June 2001. Leonard Korte was at the age of 82 when he passed away on July 6. October 2009 was when he came to Swiss Village. We express our sympathy to the family and friends of Leonard. On July 8 Ernest Fennig passed away at the age of 90. Ernest had been at Swiss Village since March 2010. Our condolences are with Ernest’s friends and family.

AUGUST

1 Maxine Nussbaum

4 Waneta Habegger

4 Robert Liechty

4 Ernest Steiner

6 Winifred Foye

6 Willodyne Luginbill

7 Iola Taylor

9 Margaret Liechty

11 Grant Habegger

Compensation & Benefits, 70.0%

Food / Dining Room, 5.6%

Utilities, 4.5%

Nursing Supplies, 8.1%

Maintenance, 2.0%

Property/Liability Insurance, 2.4%

All Other, 7.4%

Operating Expense by Categories

The pie charts above and below detail operational expenses,

and the contribution of the different revenue sources.

Health Care -Private Pay, 30.2%

Health Care -Medicaid, 23.0%

Health Care -Medicare, 15.6%

Residential, 9.0%

Assisted Residential, 8.2%

Independent-Living, 3.9%

Wellness Center, 1.8%

Child Daycare , 2.6% Meals, Supplies &

Craft Sales, 1.7%

Special Services & Misc, 4.0%

Operating Income by Categories

Page 3 August 2012

15 Aurelia Morales

17 Shirley Augsburger

21 Pollyanna Neuenschwander

21 Carolyn Steiner

24 Marilyn Gerig

25 Betty Lehman

25 Vaughn Sprunger

26 Marjorie Brewster

26 Jeannette Yoder

11 Marjorie Stucky

28 Colleen Lehman

28 Elmira Wulliman

29 Kenneth Sprunger

30 Fern Daniel

31 Anna Lou Amstutz

31 Hugh R. Beitler

28 Charles Habegger

27 Barbara Burkhart

Page 4 August 2012

HEALTHCARE

Leroy Yoder is a new resident at Swiss Village since July 6. He has been a Berne resident and is a member of the First Mennonite Church. Joanna Hiatt is a new resident to Swiss Village since July 7. She has been a Portland resident and is a member of the Westchester United Methodist Church. Merlin Habegger is a new resident to Swiss Village since July 16. He has been

a Berne resident and is a

WELCOME NEW RESIDENTS

member of the First Missionary Church. Judith Dowell is a new resident to Swiss Village since July 20. She has been a Decatur resident and is a member of the First United Methodist Church. William Allmandinger is a new resident to Swiss Village since July 23. He has been a Berne resident and is a member of the Cross

United Church of Christ. LeRoy Lehman is a new resident to Swiss Village since July 24. He has been a Berne resident and is a member of the First Mennonite Church. Ruth Steury is a new resident to Swiss Village since July 27. She has been a Fort Wayne resident and is a member of the First Missionary Church.

Stuart Lehman, Ted & Diane Rich, Heidi Lehman. In Honor of Rosetta Ringger: Ray & Donna Heatwole. Al Koehler Memorials: Denise Amstutz, Robert Gregory, Mark & Jeannine Starks. Leonard Korte Memorials: Daryl & Karen Martin, Emerson Climate Tech., Mark & Michelle McIntosh, Sara Korte, Steven & Lori McIntosh, Marcia Salisbury. Ernest Fennig Memorials: Justin & Anna Smith, James & Anna Briscoe. Ruth Schwartz Memorials: Daryl & Karen Martin, Richard Beitler, Mildred Weimer, Joseph & Margaret Sprunger, Helen Liechty, Lynn & Bonnie Sprunger, Greg Nussbaum, Judy Snyder, Larry & Patty Marshall, Regina Steiner, Ronald & Anita Habegger, Naomi Von Gunten, Terry & Louise Lehman, Phil & Janice Sprunger, Terry & Margie Dougherty, Jane Bean, Greg & Sara Meyer, James & Sheryl Harvey, Verna Sprunger, Jim & Becky Sprunger, Lance & Melanie Clifton, James & Bonnie Lehman, William & Coleen Allmandinger, Ron & Carolyn Fryback, Gertrude Kropa, Jill Elzey, Millard & Betty Schwartz, Paul Nussbaum, Rick & Barb Minnich, Teresa Nussbaum, Rev. Jim & Jeanne Johnson, Erin Blum, Nappanee Missionary Church, Dr. Robert & Susan Dettmer, John & Loralee Fisher, Dwight & Phillis Sholl, William & Catherine Kropa. Calvin Beitler Memorial: Richard Beitler. Deborah Bicknell Memorial: Mennonite Helping Hands S. S. Class. Evelyn Miller Memorial: Dr. & Mrs. Lloyd Kwok. Homer Inniger Memorial: Daryl & Karen Martin. Vaughn “Ed” Merillat Memorials: LD & B Insurance, Denise Amstutz, Robert Gregory, Ray & Donna Heatwole. Mary Ann Root Memorials: Blaine & Phyllis Fulton, Arvilla Martin, Joe & Becky Liechty, Dave & Susan Wulliman, Doris E. Sprunger, Helen Habegger. Christian Liechty Memorials: Jon Marhenke M.D., Daryl & Karen Martin, Brian & Suzanne Steiner, Mildred O’Brien, Stanley & Luanne Morton, Luster & Elaine Rich, John & Lucy Price, Russell & Barbara Hall, Sandra Striker. Herman Fosnaugh Memorials: Richard Beitler, Robert & Donna Bockover, Greg & Paulette Keeley, Millard & Betty Schwartz, Jerry & Patricia Fosnaugh, Jerrold & Shirley Neuenschwander, Jeffrey & Sarah Johnston, Paul & Marvel Zuercher, Corwin & Ann Fosnaugh. In Honor of Anita Rediger: Mabel Lehman, John & Bernice Augsburger, Millard & Mary Schwartz, Mary Sprnunger-Froese, National Christian Foundation, Sandra Striker. 44 Years...44 Dollars: Jeanelle Gerber, Sally Schneider.

CONTRIBUTIONS

Page 5 August 2012

RESIDENTIAL

Swiss Village Residents and Staff welcomed Charles and Marilyn Spurgeon Thursday, July 5, 2012. Marilyn enjoys gardening, spinning, and weaving, while Charles enjoys planting and tending to decorative trees in his spare time. "We look forward to relaxing, and having less responsibilities while living at Swiss Village," said the Spurgeons.

Swiss Village Staff and Residents welcomed Elmer Graber on June 9, 2012. Over the years Elmer has enjoyed reading, mushroom hunting, and fishing. "It is nice to have my meals prepared for me," said Elmer. "I also like that if I need help there is someone available to help me."

Phil and Leona Neuenschwander were welcome by Swiss Village Residents and Staff on July 10, 2012. Phil is a retired auctioneer of 65 years. He enjoys pony pull contests and Farmall tractors. Leona has spent her years as a housewife and assisting Phil with his auctions. In her spare time she has made 13 embroidered quilts. "We are glad to be able to live together at Swiss Village, and are grateful that we don't have to worry about the upkeep on a house," said the Neuenschwanders.

Jerry Dubach was welcomed by Swiss Village Residents and Staff on June 12, 2012. When Jerry was younger he liked to hunt and be out doors. Today, he enjoys reading and watching sports. "Its nice to have all of my meals prepared for me," said Jerry. "This is a nice place to live, the staff is so good and they treat me well."

Helen Augsburger was welcomed by Swiss Village Staff and Residents on July 16, 2012. Helen worked as a seamstress for her husband who was an upholsterer. In her spare time she likes to quilt, embroider, and do handwork. "I am looking forward to reconnecting with people I know," said Helen. "It will be nice to be around people."

Swiss Village Residents and Staff welcomed Derryle and Neva Pharr on June 23, 2012. In Neva's spare time she enjoys quilting and helping her grandchildren with 4-H projects. She also likes to read and work with flowers. Derryle is a coin collector, avid sports fan, and has enjoyed metal working and tinkering in his shop for many years. "We don't have to worry about the yard work," said the Pharr's. "We appreciate knowing that when and if we need nursing care services they are available to us. We are very excited to be here and have enjoyed everything so far, and we are sure that will continue."

Page 6 August 2012

The knee is the largest joint in the body. It gives you flexibility and stability for standing, walking, crouching, running, jumping and turning. With so many moving parts in the knee, it is vulnerable to injury. Give your knees a break with these measures: Strengthen leg muscles. Strong quadriceps and hamstring muscles will protect your knees from injury.

Stretch before any workout. Stretch your quadriceps and hamstring muscles before exercising to reduce pressure on your knees.

Maintain a healthy weight. Every step you take places about three times your body weight on your knees.

Wear shoes with proper arch support. Stay away from flip-flops and other shoes that provide poor arch support.

“Another way to extend the life of your natural knees is to choose low-impact activities like swimming, walking, bicycling, golfing and water aerobics.” According to Rober Malinzak, M.D. orthopaedic surgeon. If you already have knee problems, talk with your doctor about receiving physical therapy. Therapy can work with you on exercises that help your knees without increasing the risk

for injury and further damage.

THERAPY — Tara Farlow

Swiss Village will hold an open house on Thursday, August 2, 2012 from 1:00 p.m. until 3:00 p.m. and Thursday, August 9, 2012 from 5:00 p.m. until 7:00 p.m. for people interested in the Duplexes located on Swiss Village’s North Campus. The following unit will be available to walk through, #1375 Emmental Drive. The duplex will feature furniture and décor from Habegger Furniture and Karen’s Treasures in Berne. Refreshments will be served, and guests will have the opportunity to sign up to win a door prize. For more information contact Michelle McIntosh at 260.589.3173.

NORTH CAMPUS DUPLEX OPEN HOUSE

Swiss Village will be featured on Indiana's NewsCenters Life's Better Here in Berne the week of August 1 - August 7. Swiss Village will be featuring the north campus duplex homes in this segment. The five minute segment will air during the "Insight" program on 21 Alive during the noon hour. Be sure to tune in your televisions to 21 Alive (channel 4 at Swiss Village) during the noon hour August 1 - August 7. The segment will also be featured at a later date on Indiana's NewsCenters website at www.indianasnewscenter.com.

LIFE’S BETTER HERE IN BERNE ON 21 ALIVE

Page 7 August 2012

ALPENROSE — Donna Stout

The weather did cool off enough for us to have a picnic lunch outside with the Kinder Haus Daycare children, the M a i n t e n a n c e department and Greg Schmidt from the Kitchen. Steve Sommer and Josh Zimmerman got the table and chairs ready for us to have a place to sit. Several of the ladies helped prepare the homemade potato salad. Peeling the potatoes and chopping the celery and onions just the right size. Randy Reynolds & Paul Zerby helped by grilling up the hamburgers on the grill. Greg helped out with getting everything else from the kitchen outside. The kitchen provided baked beans and watermelon. There were lots of smiles and empty

The sizzling month of July proved to be a challenge for outdoor activities! A few things had to be cancelled due to extreme heat, but we still kept very busy all month, adjusting our plans as necessary when the temperature climbed too high. One highlight of the month was a visit from Judy Dye who came to show us many beautiful quilted projects she has made. A large group of residents enjoyed seeing the lovely pieces, and remembered sewing and crafting that they themselves had done. We had two wonderful afternoons of music with Fred Walker and Chester Longenberger. And, our birthday party was an adventurous time with the summer group of school-age children from Kinder Haus.

HEALTHCARE HAPPENINGS — Karen Rowell

BLUMENGARTEN ACTIVITIES — Cole Rupp

One of our residents, Mr. Everett Taylor has joined an elite club! He has been a member of the Mason's for 75 yrs! Now he was not 3 when he joined but to be a member of something, anything for 75 years is an amazing feat! Thank you for your dedication to the Mason's! Willie Luginbill shared her talents and skills with us on baking home made cinnamon rolls! Not the frozen, put in the oven kind but the rising of the dough not once but twice kind! And they tasted amazing! We did decide that everything is better with real butter! This July, like we should be every month, we are thankful for our country and the freedoms we have. So many of our men served in the armed forces and we are so proud of them. Thank you for your dedication! The weather is always a topic of conversation around here and many have been remembering the dust bowls of the 1930's. We are very thankful for the rain we have received!

RESIDENTIAL ACTIVITIES — Teri Sank

We went to Ivanhoe’s in Upland for lunch one hot day where everyone enjoyed a sandwich and ice cream sundaes. We also ventured during the month to Hobby Lobby, Target Stores and Joann Fabrics. The Edelweiss Men’s Chorus, the Jay Fox Polka Band and Francie Bond, a Gospel singer, entertained us during the month of July. We played inside games such as progressive euchre, floor shuffleboard, cornhole toss and putt putt golf to beat the heat. Rootbeer floats were served one very hot steamy afternoon.

Page 8 August 2012

Nick Taylor

“Blessed are those who mourn, for they will be

comforted.” – Jesus

Our hearts are troubled with the passing of Nick Taylor. It feels a bit like the story when the disciples found themselves in a boat and the rough waters and wind were tossing them up and down and side to side. The disciples were troubled, maybe even fearful. Yet when they invited Jesus to join them in the boat, the seas calmed and they were taken safely home. The Swiss Village family extends our condolences to the Taylor Family. It is our prayer that they will know Jesus’ presence during these days and that indeed they will be comforted by His love.

Swiss Village Residents and Guest enjoyed a special performance of the Jay Fox Polka Band on Friday of Swiss Days. With over 42 years of experience, Jay Fox tours regularly with his Bavarian Band to the Midwest and South. Jay and Patrice Fox regale audiences with the accordion, vocals, yodeling, cowbells, and schuhplatting.

Pictured are the winners of the 2012 Swiss Days Big Wheel Race sponsored by Kinder Haus.

KINDER HAUS BIG WHEEL RACE CHAMPS

Swiss Village’s Kinder Haus Day Care sponsored a Big Wheel Race downtown Berne, on Baltimore Street during Swiss Days. Approximately 66 children ages 3 - 6 participated in the race. All participants received a special treat bag that included coupons for Pizza Hut, East of Chicago Pizza, McDonalds and the White Cottage. The top three winners in each age group received monetary prizes.

Page 9 August 2012

Pictured is

Kalle Trausch

competing in

the 5 year old

heat at this

years Big

Wheel Race.

JAY FOX POLKA BAND

Art & Gloria Muselman Wellness Pavilion — Andrea Miller

and Water Toning. Stop by and let us see if you qualify for this valuable benefit! If you have any questions, please feel free to contact us at 260-589-4496 or stop by for a tour. Have a great summer!!

qualifies you for a free fitness membership. Just a few amenities that are included with a membership are Fitness C l a s s e s s u ch a s t h e SilverSneakers Muscular S t rength & Range o f Movement, Water Walking,

Just a little over one year ago, the Arthur & Gloria Muselman Wellness Pavilion introduced the SilverSneakers Fitness Program for our area senior citizens. SilverSneakers is a benefit offered on some

insurance plans that

Page 10 August 2012

the summer was taking a trip to the 4-H fair. They got to decorate a cookie, tour the barns, make a craft and learn about heart healthy activities. It was so much fun to see all the animals and the projects. The kids have also been swimming at the wellness pavilion 2 times a week. But, they have to walk a half mile to the pavilion to swim and then walk a half mile back when they are done swimming. Several of the kids have walked at least 10

Summer is winding down for our school age kids and they will soon be going back to school. Can you believe they start school on August 14th already? They have been having a good time here at Kinder Haus for the summer. They have been responsible for helping water the flowers in the courtyard. They have been tracking the temperature and the amount of water they used each day. One day they used 44 gallons of water! One highlight of

Kinder Haus — Heidi Schoeneman

“The exercise program has improved my walking, balance, muscle tone and energy. I like the way the instructors explain the way certain exercises affect certain muscles. It is a good and fun program.” Howard Flueckiger, South Campus Wellness Class Participant

In November 2011, Howard and Eleanor started exercising at least two days a week in the strength and balance 10:15 classes. They were initially assessed. After six months, Howard gained 35% in upper body flexibility, measured by the back scratch test and increased his endurance by 85%, measured by the two-minute step test.

SOUTH CAMPUS WELLNESS — Emily Arnold & Rachel Rosswurm

miles for the summer… we ride the bus if the temperature is too hot! It will be sad to see all the kids go back to school.

Page 11 August 2012

HAPPY BIRTHDAY STAFF

NEW EMPLOYEES

Swiss Village welcomes a new staff member this month. Hannah Luginbill is a new CNA in Healthcare.

Village News compiled by: Tammy Seffernick

AUGUST

17 Howard & Phyllis Baumgartner (65 Years)

23 Clyde & Shirley Augsburger (64 Years)

27 Brice & DeLora Fennig (62 Years)

27 Jerry & Bonnie Flueckiger (52 Years)

29 Don & Berneta Yager (59 Years)

30 Ernest & Dorothy Steiner (59 Years)

WEDDING ANNIVERSARIES

AUGUST

1 Christine R. Zimmerman

2 Kendra J. Hamrick

3 Jenifer L. Hirschy

4 Karen J. Rowell

5 Nicholas P. Kohne & Rebecca L Zerby

6 Jenny M. Muhlenkamp

7 Crystal A. Cook

8 Hannah M Luginbill, Sarah M. Conrad, &

8 Mia C. Engle

12 Heather M. Eichhorn

13 Alma Ahmetovic & Beverly S. Zimmerman

16 Breanna M. Emberlin

19 Dana R Hines & Joyce A. Hamilton

20 Kathy M. Strombach

21 Tonya S. Smith

23 Nancy J. Steiner

25 Marisa G. Dyment & Gloria J. Thornton

28 Charles E. Habegger, Thomas T. Thompson, &

28 Isaac B. Akins

29 Theresa C. Inman, Linda J. Bunch, &

29 Brianna L. Skramstad

30 Rebecca R. Moore & Frederick D. Gilbert

31 Carolyn S. Patch

Saturday Night Saturday Night Saturday Night Saturday Night

at The Villageat The Villageat The Villageat The Village

Swiss Village presents Saturday Night at the Village. Fun free entertainment will be provided the second Saturday of every month from 7:00 p.m. – 8:00p.m. August 11, 2012 residents and guests will enjoy entertainment by the 3rd Row Boys. The 3rd Row Boys are from Indianapolis, and are driven by the passion to spread the message of God’s love through gospel music. It is their prayer that hearts will be uplifted and lost souls will find redemption through the powerful message of the love and grace that God extends to each of us. Saturday Night at the Village is open to the public and everyone is invited to attend. For more information about Saturday Night at the Village contact Michelle McIntosh, Marketing Director at 260.589.3173 or visit www.swissvillage.org. See you at Saturday Night at the Village, August 11, in Swiss Village’s Auditorium.

Swiss Village, Inc.Swiss Village, Inc.Swiss Village, Inc.Swiss Village, Inc. 1350 W. Main St. Berne, IN 46711

Non-Profit Organization U.S. Postage Paid Berne, IN 46711 Permit No 71

Be sure to check the Swiss Village Website at www.swissvillage.org for the complete listing of this

months Residential and Healthcare Activities.

UPCOMING EVENTS

Aug. Event

2 Duplex 1375 Open House 1-3 pm

9 Duplex 1375 Open House 5-7 pm

11 Saturday Night at the Village-7pm

will and testament gives you the opportunity to determine how you r a s s e t s a r e distributed. You can specify how your property is allotted among family members. Just as importantly you can specify charitable not-for-prof it organizations as beneficiaries. Your will provides you an opportunity to leave a gift that will be used to help others! Swiss Village has established the Samaritan’s Endowment to help persons who are in need of care but who do not have the financial means to pay for that care. By designating the Samaritan’s Endowment as a beneficiary in your estate plan, you can help others who are less fortunate. Use your will as an opportunity to help others!

Costly Procrastination

Dying without a will can be very costly. Costly in terms of dollars and also in terms of lost opportunity. When there are no named beneficiaries the government gets to decide how your property is distributed. Did you know that the failure to do good estate planning can result in the government taking a big bite out of your estate? Dying without a will is known as dying intestate. Under intestate succession laws the state determines how your assets will be distributed. If there are no heirs that fit the state’s succession criteria, the assets could become the property of the state. The plans set forth in your last

CHARITABLE GIVING NEWS — Daryl L. Martin, Executive Director

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