Annual magazine for Cleveland nonprofit to promote endowment giving

1. OF CLEVELAND
Jewish Federation
LIVING GENEROUSLY
L E G A C Y E D I T I O N / 2 0 1 5
JUSTICE.
KINDNESS.
JEWISH PEOPLEHOOD.
LET IT LIVE ON.
WHAT WILL
YOUR JEWISH
LEGACY BE?

2. 2 3
Creating your Jewish legacy is a personal
journey – for each person the reason for
doing so is different. What ultimately led
me to a decision to endow my Lion of
Judah gift took root in my childhood.
My journey began with the strong values
that my parents instilled in me. As a young
adult, my late husband and I became
Jews by choice. I learned that those same
values taught to me growing up were
the foundations of Jewish life – hesed,
tzedakah, and tikkun olam.
Years later, on a Federation mission to
St. Petersburg with my husband Kerry,
I realized how fortunate I was to have
chosen to be Jewish in Cleveland, where
I found support from an established
community. The Jews of St. Petersburg
were building identity from scratch.
I endowed my gift so that future
generations of Jewish Clevelanders will
always have a community to support their
identity and Jewish journey.
BOARD CHAIR OF THE JEWISH
FEDERATION OF CLEVELAND
Meet our Chairs
Top Five Ways to
Create a Jewish Legacy
A Special Evening
of Thanks
10
8
6
4
This is My Legacy
Ensuring a
Jewish Future
CONTENTS
Donor-Advised Funds
Bring Families Together
How One Man’s Bequest
Will Keep Many Smiling
18
16
14
12
How Federation’s
Endowment Fund is
Helping Change the World
A MESSAGE FROM
RENEÉ CHELM
Seasons change, but your legacy is eternal.
You can create a lasting legacy with the
Jewish Federation of Cleveland to benefit
your children, grandchildren, and future
generations, while supporting the causes
you care about. Using a current or deferred
endowment gift, you can become part of
Federation’s Legacy Society.
L’dor v’dor - from generation to generation
CREATE YOUR
JEWISH LEGACY

3. 4 5
CO-CHAIRS, CREATE YOUR JEWISH LEGACYMEET OUR CHAIRS
“We feel that it is important to help
perpetuate the key things we have charitably
and personally dedicated ourselves to
during our lifetime. The Federation certainly
falls into that category which is why we are
participating in this gift making”
“There is no other organization like the Jewish
Federation. Every gift to the campaign has
the potential to impact thousands of Jewish
lives. It feels wonderful knowing that I have
chosen to leave my legacy as a Campaign
Endowment to the Jewish Federation of
Cleveland. I know that after I am no longer
here to make my own gift to the Campaign
For Jewish Needs, my endowment will ensure
my gift will continue in perpetuity.”
BOB REITMAN
MAR C IA WEXBERG TOM ADLER
SANDY WULIGER
“As individuals who have devoted time and
treasure to the wellbeing of others, a legacy
commitment to the Jewish Federation of
Cleveland will support in perpetuity the
values that have guided our action. What
better way to underwrite the security of our
community for future generations and to
memorialize our good name.”
“I invite you to join me in creating a legacy gift
for Federation. All of us support the mission
and vision of Federation. All of us support
the annual campaign. A Legacy gift will make
sure that our lifetime commitments will live
beyond us.”

4. 6 7
THIS IS MY
LEGACY:
HOW SUSIE RUBIN DECIDED
TO CREATE A LION OF
JUDAH ENDOWMENT
What’s the best part of being a member of
the Jewish Cleveland community?
Being a part of the Jewish Cleveland
community is extremely important to me.
My house has always been in suburban
Cleveland, but the Jewish community has
helped make this area my home. It has given
me a sense of belonging to something much
greater than my family alone.
What are the things that motivate you to
donate your time and money?
I feel so very fortunate to be able to give
back to the community that has provided so
much for me. The incredible needs locally,
nationally, and internationally motivate me to
be both generous with my time and with my
philanthropy. I work with the Federation to
encourage others to take responsibility and
respond to those who need our help.
Tell us about becoming a Lion and then
endowing your gift.
I chose to give a Lion of Judah* level gift
($5,000) at a time when I undertook
a volunteer leadership role in another
organization. I couldn’t commit the same
amount of volunteer time to the Federation’s
Women’s Division, but I wanted to maintain my
level of involvement through my Campaign gift.
Becoming a Lion of Judah made me feel that I
was still giving all that I could to the Federation.
When I joined the Create Your Jewish Legacy
committee at the Federation, I realized how
important it was to endow my campaign gift.
How did you achieve your goal?
I talked to others who had endowed their gift
and I learned of the many ways to accomplish
creating a Jewish legacy in Cleveland. I
quickly realized that it was something that
I could facilitate rather easily. With some
guidance from Federation staff and financial
professionals, my husband, Steve, and I were
able to make certain that my gift will live on
with a gift of insurance.
What would be your advice for someone
thinking about leaving a legacy?
I would suggest contacting the very capable
endowment specialists we have here at the
Federation. They are readily available to create
the mechanism appropriate for each donor. It’s a
personal experience.
A&Q
Thank you to the women who have
perpetuated annual campaign gifts by
creating a Lion of Judah endowment.
Terry Adelman
Karen B. Altschul
Beth Wain Brandon
Loretta R. Borstein in
memory of Jerome Borstein
Marilyn B. Cagin
Florence Chelm
Reneé Chelm
Nan Cohen
Bernice Sapirstein Davis
Lois J. Davis
Jane Friedman
Mady Friedman
Beverly Gans
Peggy Garson
Eleanor Gerson*
Holly B. Gertman*
Adrienne Goldberg
Toby Goldfinger
Francine M. Gordon
Tamra F. Gould
Roe Green
Penny Greenberger
Erica Hartman-Horvitz
Anita Heller
Ann Nickman Jacobson*
Suellen Kadis
Carol Lader
Fran Lasky
Sandra Lipman
The Marianna Luxenberg
Lion of Judah Endowment
in Memory of Herbert
Luxenberg
Cookie Marcus
Lois Marcus
Barbara Meckler
Anne Miller*
Shari S. Perlmuter
Cathy Randall
Susan Rubin
Evie Safran
Eileen W. Sill
Karen Lipman Steiger
Marjorie H. Stonehill*
Peggy Gries Wager
Nina Wain*
Betty Weintraub
Judith Weiss
Trudy Wiesenberger
Judy Klein Willensky
Sandra Wuliger
Dara G. Yanowitz
Donna Yanowitz
Anonymous
L I O N O F J U D A H
ENDOWMENT
CONTACT US Interested in creating a Lion of
Judah endowment? Contact Elizabeth Klein
at 216-593-2835 or eklein@jcfcleve.org. All
inquiries are confidential.
* of blessed memory
* A Lion of Judah gift is made by a woman making
an individual gift of $5,000 or above to the annual
Campaign for Jewish Needs.

5. 8 9
You may designate the Jewish
Federation of Cleveland in your
estate planning documents. You
may specify a dollar amount, a
percentage of your estate or the
residue of your estate.
You invest in the future of the
Jewish community. All gifts entitle
you to membership in Federation’s
Legacy Society.
TOP FIVE WAYS
RETIREMENT
ASSETS
DONOR
ADVISED
FUNDS
CHARITABLE
BEQUEST
You notify you plan administrator
of your desire to name the
Jewish Federation of Cleveland
as a full or partial beneficiary
of your retirement assets and
complete a change of beneficiary
form.
Your retirement assets are a tax-
wise asset to use for charitable
giving as they could be subject
to both estate tax at the time of
your death and income tax when
distributed to beneficiaries.
21 3 54
You donate cash, securities or
other property to the Federation
to establish th fund. You may
recommend grants to qualified
public charities at any time.
The Federation invests the fund,
allowing you to make grants
from principal and income. You
may receive charitable income
tax deduction for all donations
to the fund.
LIFE
INSURANCE
Life insurance can be used to
fund a charitable gift to the
Jewish Federation of Cleveland,
permitting you to make a
substantial legacy gift for a
relatively modest outlay.
A gift of life insurance is easy
to arrange and administer. You
may be able to make a more
significant gift than might
otherwise have been possible.
CHARITABLE
GIFT ANNUITY
A charitable gift annuity is a
contract between you and the
Jewish Federation of Cleveland
that provides you and/or your
designated beneficiary with a
guaranteed annual income for
life, while creating a permanent
legacy.
You can provide immediate and
guaranteed income for yourself, a
spouse, child or other individual.
(Gift annuities for persons other
than you or your spouse may
have gift tax and capital gains
tax consequences.)
How does
it work?
JEWISH LEGACY
MEET THE TEAM
TO CREATE ATHE
CAROL
WOLF
216-593-2805
ALAN
GROSS
216-593-2818
ELIZABETH
KLEIN
216-593-2835
MICHAEL
COLE
216-593-2795
MATT
KALIFF
216-593-2831
HEDY
MILGROM
216-593-2850
ANN
GARSON
216-593-2814
Your trust or will is an important
element of your estate plan;
it enables you to protect the
people you love, create a
lasting partnership with the
Jewish Federation of Cleveland
and ensure the future of the
community.
When you designate the Jewish
Federation of Cleveland as a
beneficiary of your retirement
assets, you create a legacy
that enables the Federation to
support the Jewish future in
Cleveland and around the world.
A named endowment fund
creates a permanent legacy,
perpetuating your ideals and
your name while ensuring the
future of the Jewish community.
Life insurance – an innovative
way to perpetuate your legacy
for the Jewish community.
A charitable gift annuity enables
you to contribute to the Jewish
Federation of Cleveland and the
community, and at the same time
enjoy a fixed annual income.
Contact any member of our team for a confidential conversation about these or other vehicles.
What
are the
benefits?

6. 10 11
CLOCKWISE FROM LEFT:
Lori Compton handles an artifact
from the Jewish Archives.
A group gathers to examine
documents.
Erica Hartman-Horvitz and
Richard Horvitz sign their
Endowment Book of Life
statement.
Susan Hurwitz, event co-chair,
connects with other Legacy
Society members.
Annette Lusher greets Stanley
Blum with a smile.
Orry & Sheila Jacobs show
their Endowment Book of Life
statement.
ABOVE: Allan Morris discusses
a collection of patches from
the Cleveland Overall Company
with Sean Martin, Associate
Curator of Jewish History.
AT RIGHT: Maury Feren, Will
Sukenik, and Irv Fine say hello.
T
he Jewish Federation of Cleveland’s
endowment donors celebrated
Cleveland’s rich Jewish history
this summer, at a special event
recognizing their contribution to
our community’s future.
Featured guest speaker John J.
Grabowski, Ph. D., Senior Vice
President of Western Reserve
Historical Society, shared
historical events and artifacts
from The Cleveland Jewish
Archives at the Western Reserve
Historical Society, which preserves
the history of Northeast Ohio’s Jewish
community and helps others understand
how this history contributes to life today.
Guests explored items from the extensive
collections of the Cleveland Jewish Archives,
which is supported by a Federation
endowment fund, ensuring the Jewish
Archives will continue and flourish for years
to come.
A SPECIAL
EVENING OF
CELEBRATING OUR
RICH JEWISH HISTORY
John J. Grabowski,
Ph.D., is a professor,
author, and noted
Cleveland historian,
jointly appointed
at Case Western
Reserve University
and the Western
Reserve Historical
Society. Thank you
for joining us, John!
THE ENDOWMENT BOOK OF LIFE
is a collection of personal statements
written by donors who have made
commitments of $100,000 or more
to the Federation’s Endowment Fund.
Donors are given the opportunity
to sign their statements during the
Legacy event. The Endowment Book
of Life is on permanent display at the
Federation’s Mandel Building.

7. 12 13
JEWISH PHILANTHROPISTS ENDOW
SUMMER CAMP PROGRAM
TODAY’S JEWISH CAMPER
IS TOMORROW’S JEWISH
LEADER, which is why Jewish
philanthropists Michael and
Anita Siegal are investing in the
next generation and endowing a
Jewish summer camp program:
it’s important to the future of the
Jewish community.
ENSURING
A JEWISH
FUTURE:
W
orking with the Jewish Federation of
Cleveland, the Siegal’s $1.25 million
dollar endowment establishes The
Michael and Anita Siegal One Happy Camper
Program, with the goal to recruit Jewish
children to overnight camp who might not
attend without incentive.
“Anita and I are both committed to sustaining
and growing a vibrant Jewish community in
North America,” said Michael Siegal.
“Data has proven that overnight camping can
make a substantive difference toward a child’s
$1.25 million
endowment
establishes
The Michael
and Anita Siegal
One Happy
Camper Program
Siegal Family will ensure that
many more children will be able
to experience joyous Judaism
at Jewish camp for years to
come.”
To date, nearly 50% of
Cleveland families who
participated in an incentive
program may not have
attended Jewish summer
camp otherwise; but, believed
their participation “very
positively” affected their
families overall connection to
the Jewish community. One
mother reported, “This is the
best chance for my kids to
feel connected to the Jewish
community of Cleveland.”
The Michael and Anita Siegal
One Happy Camper Program
is a program of the Jewish
Federation of Cleveland and
operates in partnership with
the Jewish Education Center of
Cleveland and Foundation for
Jewish Camp.
not just for Cleveland but for
the national Jewish community
as well.”
Mr. Siegal, who is current Board
Chair of Jewish Federations
of North America (JFNA) and
former Board Chair of Jewish
Federation of Cleveland, is
committed to perpetuating
Jewish life in his hometown of
Cleveland and throughout the
United States. Cleveland was
one of the first communities to
develop a campership incentive
program to reduce the cost of
living Jewishly. In recent years,
the Federation has partnered
with the Foundation for Jewish
Camp to increase the number
of Jewish youth who attend
Jewish summer camp.
“Through our partnership, we
have doubled the number of
children attending Jewish camp
from the Cleveland area,” said
Jeremy J. Fingerman, CEO of
Foundation for Jewish Camp.
“The leadership gift from the
journey toward this goal. We
are delighted in partnering
with the Foundation for
Jewish Camp and the Jewish
Federation of Cleveland to
make it possible for more
young people to consider
participating in the joy and fun
of Jewish camping.”
Research shows that when
children return home from
Jewish summer camp they
have a deepened connection
to Jewish life and culture and
they have developed new
friendships that will last their
lifetime. These connections,
to people and community, are
transformational. For example,
7 out of 10 young
Jewish leaders who
are active in the
Jewish community
went to Jewish
summer camp while 1
out of 3 Jewish professionals
such as rabbis, cantors, and
teachers were counselors at
Jewish summer camp.
“The Siegals’ gift
advances two
community priorities,
the creative
development of
Jewish identity in
young people and
the cost of living
Jewishly,” said Steve
Hoffman, President of
the Jewish Federation of
Cleveland. “It’s an example

8. 14 15
Bringing respite to victims of
terror attacks in Israel
Upgrading security for
our community
Transforming young lives
through mentorship Caring for our aging
Holocaust survivors
LEARN MORE about what the Federation does 365 days a year at www.jewishcleveland.org.
RESPONDING IN
TIMES OF CRISIS
FUNDING
INNOVATIVE IDEAS
PROVIDING A
SAFETY NET
SUPPORTING
OUR COMMUNITY
...and more!
Offering shelter from
domestic abuse
Scholarships for
higher education
Supplementing the
Campaign for Jewish Needs
during economic downturn
HOW THE FEDERATION’S
ENDOWMENT FUND CHANGE THE WORLD
IS HELPING
Building lifelong
connections with Israel

9. 16
DONOR ADVISED FUNDS AT JEWISH FEDERATION OF CLEVELAND
have historically provided individuals with a near-perfect tool for
effective, efficient philanthropic grant making as well as maximizing
tax advantages. Donors may not realize, however, that creating a donor
advised fund may also be a first step in engaging family members in the
philanthropic process.
Donor advised funds are easy
to establish at the Jewish
Federation of Cleveland,
enabling you, the donor
advisor to retain the privilege
of making charitable grant
recommendations.
DONOR
ADVISED
FUNDS BRING FAMILIES
TOGETHER
Once in the fund, the
donor may make grant
recommendations from
the fund to qualified public
charities.
IT’S
EASY! 👤A donor advised
fund may be funded
with gifts of cash,
securities or other
property.
17
SNAPSHOT:
Donor Advised
Fund Benefits
Donor advised funds provide
an excellent tool for current
giving, but also an effective
first step to creating a
meaningful philanthropic plan
that benefits both the donor
and the community.
Online tools make
accounts accessible at all
times, providing record
of current and past
philanthropic giving.
The Federation verifies
the tax status of the
grantee organization.
 Income is earned on all
donations to the fund
 All income generated
by the fund is tax-free
 An immediate income
tax deduction is
available for the
amount of the initial gift
 May be used to create
endowments in
perpetuity
✓
A
Donor Advised Fund (DAF) is one vehicle that
encourages intergenerational conversations
about values and philanthropic priorities
between family members.
Some donors allow their children to recommend grants
of a certain amount each year, and others gather at the
dinner table to make philanthropic choices together.
Either way, the fund acts as a catalyst for family
philanthropy.
As years pass, and family members age, a DAF can also
be a valuable tool in creating a philanthropic estate plan.
Donors may recommend grants during their lifetime
through their DAF. They may also recommend grants to
be made upon their deaths – either liquidating the fund
entirely or creating an endowment fund in their names.
Donors may designate successor advisors, often
family members, giving their heirs the privilege to
make grant recommendations of their own choice. The
next generation then carries on the family’s value of
philanthropy.
CONTACT US For assistance in setting up a DAF,
contact Carol at 216-593-2805 or cwolf@jcfcleve.org.
The Federation invests and
administers the fund’s assets,
processes recommendations,
mails checks to the recipient
organizations and reports to
the donor advisor.
$

10. 18 19
O
n any given day
during the Campaign
for Jewish Needs,
you can find Stanley Blum
at the Federation’s Mandel
Building calling prospective
donors. Other days, he can be
found volunteering at a food
bank or at his synagogue.
In the spirit of tikkun olam,
Stanley is actively involved
in his community. Through
thoughtful estate planning,
his involvement will continue
beyond his years.
Stanley first moved to
Cleveland in 1970 with his
beloved wife Betty (z”l). The
happy couple enjoyed being
part of a vibrant Jewish
community. When local worthy
charities asked for support, the
Blums responded generously,
giving back to the community
they loved.
When Betty sadly passed
away in 2012, Stanley began
to think seriously about what
their legacy would be and how
they would leave their mark in
the Jewish community beyond
both of their lifetimes.
WILL KEEP MANY SMILING
92-year-old Stanley Blum is creating his Jewish legacy
every day and is having the time of his life doing it.
he could make larger, more
impactful gifts to the charities
closest to him with retirement
assets. In addition to the joy he
gets from leaving a legacy, this
designation will save his heirs
from income tax obligations.
“I have discussed my plans
with my children and they
are thrilled with the deep
satisfaction I’m feeling from
helping our community beyond
my lifetime,” said Stanley.
Using retirement assets to
fund a charitable gift is easy. It
does not require an attorney
to change or add a beneficiary.
So, just like a spouse or
children can be beneficiaries
of an Individual Retirement
Account (IRA) or 401K, an
organization can also be
designated as a beneficiary. A
specific amount or percentage
of retirement assets can be
designated for a charity,
helping a favorite charitable
organization thrive for years to
come.
Unfortunately, most donors do
not inform charities of their
intentions, which deprive the
charity of the opportunity to
show appreciation or recognize
the donor’s generosity. By
informing his beloved charities
of his intended bequests,
Stanley allowed the Federation
to thank him now and ensure
his wishes are known.
Stanley and donors like
him give L’dor V’dor special
meaning. When the time
comes (hopefully not for many
years) we will think of Stanley
and smile with gratitude.
HOW ONE MAN’S BEQUEST
Stanley Blum
Stanley continued to support
many charities with annual gifts,
while consulting confidentially
with the development
professionals at the Jewish
Federation of Cleveland and
his attorney about what the
future could hold. He learned
To make an unrestricted bequest to the Federation:
I give $ ______ (or specified property) to the Jewish
Federation of Cleveland, Cleveland, Ohio.
To make a specific bequest to the Federation:
I give $_____ (or specified property) to the Jewish
Federation of Cleveland, Cleveland, Ohio, to establish a
fund to be known as the “___________ Fund,” subject
to the Federation’s rules governing the operation of
endowment funds, the annual distribution from which shall
be used to support (choose one or more):
• the Federation’s annual Campaign for Jewish Needs;
• the Federation’s unrestricted endowment fund;
• a specific area of interest (e.g., Jewish education,
children at risk, homelessness);
• a particular partner agency or agencies of the
Federation.
To add a bequest to an existing fund of the Federation:
I give $_____ (or specified property) to the Jewish
Federation of Cleveland, Cleveland, Ohio, to be added
to the ________ Fund,” subject to the Federation’s rules
governing the operation of endowment funds.
EXAMPLES
Please share this
language with your
legal counsel.
A Federation
professional would be
happy to discuss the
financial, tax and legal
issues and implications
of establishing a
charitable gift plan
with you and your
professional advisor.
For more information
on Charitable
Bequests, contact
Carol F. Wolf at
216-593-2805.
All inquiries are
confidential.
A BEQUEST IS AN EASY WAY TO CREATE A LEGACY GIFT
How do I make a charitable bequest?
If you already have a will or trust in
place, your attorney can prepare
a simple amendment. Donors with
bequests of any amount are recognized
as members of the Federation’s Legacy
Society.
What is a charitable bequest?
A bequest is a legacy gift, distributed
from a donor’s estate after the end
of his or her life. A bequest can be
designated to a specified interest
or area, or can be unrestricted to
ensure the most pressing needs of the
community are met.
CHARITABLE BEQUESTS

11. 20
Mandel Building
25701 Science Park Drive
Cleveland, Ohio 44122-7302
OF CLEVELAND
Jewish Federation
MEET THE
MECKLERS
“We are very grateful to be able to establish
our endowment fund and join other
Clevelanders in signing the Endowment Book
of Life. Thankfully, the Jewish Federation of
Cleveland has given us the opportunity to help
preserve our renowned Jewish institutions and
provide help around the world for our children,
grandchildren and future generations.”
– BARBARA AND DON MECKLER
The Jewish Federation of Cleveland (license # CH22328) is registered to solicit charitable donations within Florida and provides
disclosure as required by Chapter 496 of the Florida Solicitation of Contributions Act as follows:
“A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER
SERVICES BY CALLING TOLL-FREE (800-435-7352) WITHIN THE STATE OR BY VISITING WWW.800HELPFLA.COM. REGISTRATION
DOES NOT IMPLY ENDORSEMENT, APPROVAL OR RECOMMENDATION BY THE STATE.”