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Self-Determination: A Way to Give Regional Center Clients More Choice and Con...
CO State bi-annual Spring 2012
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2 Colorado State University
5/24/12 11 Jon Sigmund
22,000 Publications Package
100 Brochures
2. 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
3. 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 Giving
Remember Colorado State University in Your Will or Living Trust
deduction for gifts to qualified charitable
organizations like Colorado State University.
How a Bequest Works
Your 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.
4. 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.
6. Even with a rather simple estate, hire a lawyer
experienced in drafting wills. Paying a lawyer to
guide you through the maze of legalese is more of
an investment than an expense.
Do-it-yourself will kits that provide computer-
generated forms and fill-in-the-blank templates,
while inexpensive and tempting to use, can’t
provide the expert legal advice you need to properly
plan your estate.
How do I leave a charitable gift to my
favorite charity in my will?
A. When you leave gifts to us by will, your estate
enjoys the benefits of the “unlimited charitable estate
tax deduction,” and you continue your generous
support of our mission even after you’re gone.
The first step toward leaving a bequest to us is
to make sure you have an up-to-date will and estate
plan. You will need to add specific language to
your will to create a bequest; the following sample
language could be used by your attorney when
making a bequest to our organization:
“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.”
You can also leave a charitable gift to us by creating
a charitable trust through your will. Charitable
remainder trusts and charitable lead trusts are
tax-smart ways to care for children and grandchildren
INB19-D
and your favorite charitable organization, but there are
many other options. Ask us for details.
Can I revoke my will?
A. Yes. You are free to work with your attorney to
alter your will with a codicil (an amendment). You may
also change your will entirely at any time. Note that a
section of your will is called “Revocation of Prior Wills
and Codicils.” It is a good idea to keep your old will but
to mark it with the date of the new will and write on
its pages that it has been revoked and replaced by the
new will. This may be very useful in situations where
disgruntled individuals want to challenge new wills.
Going Forward
When you have finished making your will, you
can leave the original documents with your attorney
or, in some states, with the probate court. You keep
a photocopy for yourself. (Many people put that
photocopy in a safe-deposit box or some special
place at home.) Inform your executor or personal
representative of the location of your original will.
There may be no better time than now, while the
information is fresh in your mind, to plan for your will.
If you would like to learn more about including us in
your will, we would be happy to answer any questions
and assist you in your planning—please give us a call.
6 7
Q
Q
E printed on recycled paper
The 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 Planning
University Advancement
521 University Services Center
601 South Howes Street
Fort Collins, Colorado 80523-7115
(970) 491-7862
FAX: (970) 491-5732
Marianne Blackwell
Director of Gift Planning
mblackwell@ua.colostate.edu
www.plannedgiving.colostate.edu
8. 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 Planning
University Advancement
521 University Services Center
601 South Howes Street
Fort Collins, Colorado 80523-7115
FAX: (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) 491-4679
bsheets@ua.colostate.edu
10. ❍ 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.