the BEACON Newspaper, Indiana beacon12-18 | Page 19

December 2018 O Pumpkin Girls Callie Barrett, Natalie Stenger, Jenna Wei- ler, and Ellie Hayes. By Debbie A. Zimmer Community Correspondent [email protected] A big thank you goes out to everyone who helped to make the St. Joseph American Legion Oktoberfest a great success. The weather was hot and humid, but no rain fell. A record crowd attended. Many awesome volunteers are needed to put on this huge event, and all of the help was greatly appreciated. That is the wonderful thing about our town- all of the community volunteers who pitch in to help make a large event like this happen and be successful! A year has passed since we lost our good friend and neighbor, Tina Weigel. We think of her often and all of the fun times we had together. We had a very interest- ing vacation over fall break. The Inman and Zimmer families scheduled a vaca- tion to Panama City Beach, Florida. We left on Oct. 7 and stayed in Clanton, Alabama that evening. We headed out for Panama City on Monday morning. As we neared our destina- tion, the interstate message board flashed a hurricane warning!! We proceeded to our condo on the beach and turned on the weather chan- nel to find that we were in the direct path of Hurricane Michael. We spent part of Monday evening visiting with my brother and sister-in-law, Ron and Jane Andres, at their condo in Panama City Beach. Ron didn’t seem too con- cerned about the approaching storm – he was going to sit on his porch and watch the wind blow!!! We spent the night at our condo and packed up to head back to Clanton on Tuesday morning. Most of the gas stations were out of gaso- line, and the few that were open had very long lines. We spent Tuesday and Wednes- day in Clanton, waiting and watching the TV. Hurricane Michael’s eye did not pass directly over Panama City but instead hit Mexico Beach, devastating that area. Panama City had a lot of damage. When we spoke with our condo owner, he said that they would be without power and water for some time. Ron and Jane’s home had water damage, so headed to Texas to stay with Jane’s sister. We learned that Pensacola Beach did not have any dam- age, so we packed up the van and headed south once again. Our hotel was on the beach and was wonderful. Ryan and Brianna got to spend the rest of our vacation on the beach playing in the sand. The ocean’s big waves were great. The trip was an adventure to be sure. We were glad to get back to St. Leon after a lot of traveling south, north, then south again, in the van. What a memorable vacation! Several local children par- ticipated in the recent Bates- ville Casket Cup Soccer Tour- nament. The 8U Champions were the team – Dem Little Guys comprised of Hunter Smith, Henry Stenger, Cooper Barrett, and Griffin Wilhelm. The 10U Champi- ons were the Pumpkin Girls comprised of Callie Bar- rett, Natalie Stenger, Jenna Common Financial Mistakes A Five-Part Series on Common Financial Mistakes Made by Pre-Retirees & Retirees PART FIVE: LEGACY It is difficult to contemplate your own mortality. However, as difficult as it may be, it is an important piece of a comprehensive retirement plan. Most retirees have a goal of leaving an inheritance to their family or charity. With this goal comes essential questions which need to be answered such as, “How will the inheritance be distributed and to whom?” These are big decisions which require taking the time to put a plan in place. Failure to plan in this area may result in having your inheritance distributed not according to your wishes, and it could also mean that Uncle Sam becomes a much larger beneficiary. Common Mistake #5: Not Having a Comprehensive Legacy Plan Creating a comprehensive legacy plan starts with a discussion and answers some very important questions. “Where and to whom do you want your assets to go when you pass? How much are you hoping to leave behind? How would you like them to receive those assets?” Those questions are all financially related and are a vital key to a successful plan, but a comprehensive legacy plan isn’t just about finances. It’s also about your last moments. In addition, these questions need to be discussed, “What kind of care do you want to receive? Do you want a feeding tube Page 7B ur Communities Ed Gutzwiller and his Farmall F20 and Little Genius Plow Brianna and Ryan Inman on Pensacola Beach Little Guys Hunter Smith, Henry Stenger, Cooper Barrett, and Griffin Wilhelm. ST. LEON THE BEACON Weiler, and Ellie Hayes. The Pumpkin Girls also won for the best costumes! Get well wishes go out to Paula Rudisell and my godson Steve Kramer. Hope both of you are feeling much better. Congratulations go out to Emily Whitehead on her recent AIT Military Police Graduation, 787th Military Police Battalion at Fort Leon- ard Wood, Missouri. Way to go Emily! Joe and Martha Schuman recently celebrated their sixty- first Wedding Anniversary – here’s to many more!!! The 1st Annual Friends and Neighbors Plow Day is in the books! Even though this was the third scheduled one, and no one knew for sure it was going to happen because of the weather, it finally did. The event had a great turnout of tractors and plows! What a way for Melanie and Ed Gutzwiller to celebrate their fortieth anniversary too! Next year’s event and a different location are already being planned. December Birthdays– Dec. 1 Blain Werner, Dec. 2 Emma Hoog, Dec. 3 my brother-in-law Steve Kramer, Alex Wilhelm and Erin Wilhelm, Dec. 4 my grandson Carter Barrett, nephew Keegan Haag, niece Michelle Andres, Andrew Deddens and Mary Jayne Cull, Dec. 5 my lovely sister Karen Fox, Sheila Hoog and Emily Vonderheide, Dec. 6 Doris Baker and Ruth Stenger, Dec. 7 my niece Chelsea Whitt, Jen- nifer Schwegman, Nolan Stenger, Tyler Wilgenbusch and Linda Borgman, Dec. 8 Martha Schuman and Chris Bader, Dec. 9 Terri Gardner and Judy Stenger, Dec. 10 Jerry Bulach, Dec. 11 Claire Stenger, Mary Schuman and Tristan Kamos, Dec. 13 Marlene Werner and cousin Kasey Andres, Dec. 14 Addy Prifogle and Car- men Fischer, Dec. 15 Dar- ren Callahan, Dec. 16 Shelli Bulach, Dec. 17 Betty Bruns and Becky Estridge, Dec. 18 Troy Wilhelm, Mary Schuman, Steve Stenger and or not? Do you want extraordinary measures taken?” Most often a good comprehensive legacy plan involves a financial professional, attorney, and Certified Public Accountant all working together to fulfill your plan. To legally state your final wishes, there are four legal documents I recommend my clients have as part “Creating a comprehensive of their comprehensive legacy plan. legacy plan starts with a The first document is a will. A will discussion and answers some provides instructions to the probate court concerning how you want your very important questions.” — Roger Ford assets to be divided. Dying without a will in place can be a disaster because, without a will, the probate court will appoint an administrator to the estate. Multiple people can petition to be the administrator of your estate meaning that the administrator may or may not be the person you had in mind to carry out your final wishes. 1 The second legal document I recommend is a durable power of attorney. A durable power of attorney allows someone to act on your behalf if you become incapacitated. This person can write and cash checks on your behalf and pay your bills. This document is in place until you pass at which point the person appointed as your durable power of attorney loses their privileges. 2 The third legal document is a living will. A living will states your desires regarding medical treatment in the event you are incapacitated. This is where those questions about whether you want a feeding tube or extraordinary measures to be taken are answered. The most important my niece Dede Miller, Dec. 20 Alice Wuestefeld, Ken Schuman, and my son-in-law Brad Inman, Dec. 21 Nicole Farrow, Dec. 24 Merrilynn Hertel, Jerry Stenger and Janet Bischoff , Dec. 25 Shar Bischoff , Marvin Schuman and Joey Ritzi, Dec. 26 Cor- nie Hoffman, Dec. 28 Ryan Stenger, Jenny Lindsey and Putt Bischoff, Dec. 30 De- nise French. Get in touch with me with any news items for the column at stleon@gobeacon- news.com FRANKLIN COUNTY By Alice Priessman Community Correspondent [email protected] Franklin correspondent Alice Priessman will be back next month with all of the exciting things happening in Franklin County. Send news to franklin@goBEACON- news.com thing this document does is it relieves your loved ones from having to make tough decisions for you. 3 The fourth document is a durable power of attorney for healthcare. This healthcare document appoints someone to act in your best interest regarding medical treatment should you become unable to make those decisions on your own. This person is for filling in the gaps that your living will does not cover. This person would not be able to supersede what you have written in your living will, they are tasked with fulfilling your wishes. It is difficult to contemplate your own mortality, but it is essential to start the discussion and answer the tough questions now, to leave the legacy you wish for. These four documents are the beginning documents needed for a comprehensive legacy plan, and it is important to keep in mind that the more complicated the estate, family dynamics, and assets that are owned, the more planning needs to be done. Speaking from personal experience, take the time to plan your legacy, it is the best gift you can give to your loved ones. https://www.investopedia.com/articles/pf/08/what-is-a-will.asp https://www.legalzoom.com/articles/what-is-a-durable-power-of-attorney http://www.alllaw.com/articles/wills_and_trusts/article7.asp 1 2 3 Conservative Financial Solutions | Roger L. Ford 10403 Harrison Ave. | Harrison, OH 45030 513.367.1113 | ConservativeFinancialSolutions.com Securities offered through Madison Avenue Securities, LLC (MAS), member of FINRA & SIPC. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. MAS and Conservative Financial Solutions are not affiliated companies. AEWM and Conservative Financial Solutions are not affiliated companies. Investing involves risk, including the potential loss of principal. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 628418 OUR ADVERTISERS ARE YOUR NEIGHBORS. SHOP LOCAL AND TELL THEM YOU SAW THEIR ADS IN THE BEACON.