The Pillars. Portfolio. G e n e r o u s Al u m n u s Gi v e s I n h e r i t a n c e t o Al b a n y Me d

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1 The Pillars Vlume XII Number 1 Spr i n g 2010 Financial and Gift Planning Infrmatin frm Albany Medical Cllege Prtfli G e n e r u s Al u m n u s Gi v e s I n h e r i t a n c e t Al b a n y Me d Cntents: Charitable Bequests: Giving with a Will An Outright Bequest: Simple t Make Prviding Incme fr Family Members A Testamentary Charitable Remainder Trust Can Meet Varied Objectives Next Steps Send fr ur free bklet, Planning Yur Will: Charitable Insights and Optins. A cuple f years ag Steven Gilman, M.D. 78, and his brther sat dwn with their mther t discuss her estate plans. They hadn t knwn much abut their mther s finances and were surprised by her net wrth. I never expected r planned n an inheritance frm her, Gilman explained. After talking it ver, they decided that Mrs. Gilman instead wuld leave mney as a bequest t Albany Medical Cllege. I really want AMC t d well. I want it t cme up and up in the wrld every year and be a place peple want t g t. It s a great place, explained Gilman. His mther was happy t blige. I m very pleased. We always felt that ne shuld give back sme f what ne has achieved in life, she cmmented. It s a gd feeling t be able t d it. Steven B. Gilman, M.D. 78, and his wife Frances H. Gilman meet with Albany Medical Cllege Dean Vincent P. Verdile, M.D. 84, at the Unin League Club in Philadelphia, PA, prir t a receptin held fr Philadelphia area alumni. Gilman, wh practices interventinal radilgy in suburban Philadelphia, came t Albany Medical Cllege thrugh the six-year cmbined degree prgram with RPI. After med schl, he first cnsidered internal medicine but switched t radilgy and was accepted int the Bstn University radilgy residency prgram at Bstn City Hspital. He went n t d a fellwship in interventinal radilgy at Tufts Medical Center. With its fcus n clinical medicine, Gilman thinks Albany Med prepared him well fr the burgening field f interventinal radilgy. Albany Medical Cllege was very strng in clinical medicine, s I was prepared t take advantage f the shift frm diagnstict treatment-riented radilgy, he said. Until a few years ag, Gilman never thught that much abut giving back t Albany Medical Cllege. Then he was apprached by an Albany Medical Center Fundatin staff member abut cntributing t the Pillars Campaign and agreed t make a gift. After taking a mment t reflect n his success and hw the Cllege helped him alng the way, Gilman says he desn t knw where he wuld be withut Albany Medical Cllege. Albany was very gd t me. They tk me in ut f high schl thrugh the RPI prgram and essentially tk a chance n me, he explains. Mrs. Gilman agrees but thinks there s mre t it, Steven always had a gd sense f ethics and mrals, and that s the basis fr much f his success.

2 Albany Medical Cllege C h a r i t a b l e Be q u e s t s : Gi v i n g w i t h a Wi M any f ur friends are surprised t learn that it is pssible t make a significant gift t Albany Medical Cllege withut jepardizing the ability t meet current and future financial bligatins t lved nes. These ptins all have ne thing in cmmn yu need a will t implement them. The will is the fundatin f estate planning. Albany Medical Cllege explains varius ways that yu can use yur will t supprt ur wrk and help yur heirs as well. A n Ou t r i g h t Be q u e s t : S i m p l e t Ma k e A bequest is the mst ppular type f charitable gift. Mst dnrs prefer remembering charitable rganizatins in their wills because f the simplicity f the arrangement. Yu simply direct in yur will that yur entire interest in certain mney r prperty be transferred t a designated charity, such as Albany Medical Cllege. Of curse, yur estate will be entitled t a charitable deductin fr the full fair-market value f yur gift. An utright bequest can take varius frms: The general bequest: Yu simply leave a specified dllar amunt t the designated charity. A specific bequest: Yu designate specific prperty that yu want a charity t receive. Fr example, a bequest f specified stck is a specific bequest. A residuary bequest: Yu give a charity all r a prtin f yur prperty after all debts, taxes, expenses, and all ther bequests have been paid. It may augment a general r specific bequest t the charity if the size f yur estate allws. Fr example, giving Albany Medical Cllege the rest f the prperty that I wn at my death is a residuary bequest. A percentage bequest: Yu leave t charity a percentage f yur estate r a residuary estate. Fr example, yu might leave Albany Medical Cllege 50% f the residuary estate. If frtune changes the size f the estate ver the years, this bequest will change in the same prprtin. A cntingent bequest: Yu prvide fr the situatin when a beneficiary dies befre yu r disclaims the prperty. Naming a charity such as Albany Medical Cllege as the cntingent beneficiary ensures that the prperty will pass t the designated charity rather than t unintended beneficiaries. Bequests are a great way t supprt student schlarships. P r v i d i n g In c m e f r Fa m i l y Me m b e r s Cntinuing incme may be needed t prvide fr a surviving spuse, elderly parents, r thers wh cunt n yu fr help after yur lifetime. In such a situatin, an utright bequest t a charity may nt best meet yur needs. Hwever, Albany Medical Cllege ffers a number f plans, such as a testamentary charitable remainder trust r a gift annuity, that can prvide bth a gift t further ur lifesaving wrk and a stream f incme fr life (r, with sme plans, fr a term f years) t ne r mre selected beneficiaries.

3 l l A Te s t a m e n t a r y Ch a r i t a b l e R e m a i n d e r Tr u s t Ca n Me e t V a r i e d Ob j e c t i v e s Under a trust, prperty is transferred t a trustee t be held fr the benefit f specified beneficiaries while the trust lasts. The beneficiaries receive the trust payment, which prvides depending n the type f trust a hedge against inflatin r the security f a specific amunt f incme. When the trust ends, the remaining trust prperty passes t anther beneficiary. While the charitable remainder trust is essentially similar t ther types f trusts, a distinguishing feature is that the amunt distributed at its terminatin the remainder is paid t a charitable beneficiary such as Albany Medical Cllege. T qualify fr special tax cnsideratin, the trust must be in ne f tw frms: a unitrust r an annuity trust. Unitrusts. The charitable remainder unitrust prvides fr payment t the beneficiary(ies) f an amunt that may vary. The payment must equal a fixed percentage (at least 5%) f the net fair-market value f the trust assets as valued annually. Example: A 6% unitrust valued at $100,000 its first year will pay ut $6,000. If the trust assets are valued at $120,000 in its secnd year, the payut will be $7,200. The variable nature f the unitrust payments may prvide yur beneficiary with a hedge against inflatin assuming the assets grw in value. Annuity trusts. The annuity trust prvides fr a fixed payut. This amunt must equal a specified amunt f nt less than 5% f the initial fair-market value f the gift in the trust. Example: If an annuity trust has a 6% payut and its initial fair-market value is $100,000, the payment fr the first year will be $6,000. If the value f the trust assets increases t $120,000 in the secnd year the payment will still be $6,000. The fixed-payut feature f the annuity trust may make it particularly suitable fr a beneficiary wh needs the security f a specific amunt f incme. Hw can yu establish a testamentary charitable remainder trust? Yu must specify in yur will: the assets which will be placed in the trust; the type f vehicle t be used; the term f the trust (a perid f years r the lifetime f the beneficiary); Yur gifts help prepare tmrrw s physicians. the payments t be made and their frequency; the beneficiary f the trust; and the prvisins fr the eventual distributin f the principal. Charitable estate-tax deductin. Yur estate will be entitled t a charitable deductin equal t the present value as f the date f death f the remainder interest that will pass t the charity. If yur surviving spuse is the nly nncharitable beneficiary f the trust, yur estate will als be allwed a marital deductin fr the M r e t h a n 70% f a d u l t s d i e w i t h u t v a l i d w i l l s. value f yur spuse s incme interest. Example: Mr. M. s will directs that $200,000 be placed in a charitable remainder unitrust with Albany Medical Cllege, which will pay his wife 6% f the annual value f the trust. Upn Mrs. M. s death, the trust principal will pass t us. Mr. M. s estate will be allwed a marital estate-tax deductin fr the value f Mrs. M. s incme interest and a charitable deductin fr the value f the remainder interest. At Mrs. M. s death, the full value f the unitrust will pass t us, free f federal estate tax.

4 The Pillars Prtfli Nn e x t St e p s : Are yu wndering what yur next best step is? Maybe yu d like mre infrmatin, r maybe yu d like t speak with us directly. Here are a few ptins: 1 Visit us nline at t learn mre abut hw yu can prvide incme fr yur beneficiary and supprt Albany Medical Cllege. ALBANY MEDICAL COLLEGE ATTN: LAURA AMY HAVENS-O BRIEN T. JOHNSTON P.O. BOX 8928 ALBANY, NY POSTAGE WILL BE PAID BY ADDRESSEE Business Reply Mail FIRST-CLASS MAIL PERMIT NO ALBANY NY Return the reply card t receive a free cpy f ur new bklet, Planning Yur Will: Charitable Insights and Optins. Call Laura Havens-O Brien at (518) t find ut abut hw a gift t Albany Medical Cllege will further ur missin and accmplish yur charitable and family bjectives. Laura Havens-O Brien at edu. Laura is happy t answer any questins yu might have r send yu mre infrmatin. Scre NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES 5 6 Jin us at the Pillars Sciety Estate Planning Wrkshp n April 24 t learn hw t create successful estateplanning strategies. Jin the Pillars Sciety. Cntact us t learn mre abut being recgnized fr yur genersity t Albany Medical Cllege. F r m r e i d e a s, p l e a s e v i s i t u r We b s i t e The infrmatin cntained herein is ffered fr general infrmatinal and educatinal purpses. The figures cited in the examples and illustratins are accurate at the time f writing and are based n federal law as well as IRS discunt rates that change mnthly. State law may affect the results illustrated. Yu shuld seek the advice f an attrney fr applicability t yur wn situatin. Cpyright Pentera, Inc., All rights reserved.

5 Charitable Insights and Optins W e d l i k e t h e a r f r m y u NAME Address Call us r return this reply card fr a cmplimentary cpy f ur bklet, Planning Yur Will: Charitable Insights and Optins. We wuld be happy t meet with yu r yur advisr abut a gift t Albany Medical Cllege. Please print CITY STate Zip Business Phne Hme Phne Address Planning Yur Will: Scre Please send me a free cpy f the bklet, Planning Yur Will: Charitable Insights and Optins. I am pleased t infrm yu that I: have included Albany Medical Cllege in my estate plans am cnsidering including Albany Medical Cllege in my estate plans. Tell me mre abut the Pillars Sciety. Send me mre infrmatin abut a gift f: Cash Securities A bequest Life-incme gifts Retirement assets B e q u e s t s : Re m e m b e r i n g A l b a n y Me d i c a l C l l e g e i n Y u r Wi l l One f the simplest ways t make a gift t Albany Medical Cllege is thrugh yur will. Bequests can be made in the frm f a specific gift, r as a percentage r remainder f an estate: Specific Bequest: Yu can name Albany Medical Cllege as a direct beneficiary f a specific gift r a specific percentage f yur estate. Sample Bequest Language: I give, devise, and bequeath t Albany Medical Cllege, a nnprfit crpratin lcated in Albany, NY, the sum f $ (r percent f my estate r the prperty described herein) fr its general unrestricted purpses. Residuary Bequest: Yu can designate that Albany Medical Cllege receive all r a prtin f the remainder f yur estate nce all specific bequests have been satisfied. Sample Residuary Bequest Language: All the rest, residue, and remainder f my prperty, bth real and persnal, and wheresever situated, I give, devise, and bequeath t Albany Medical Cllege, a nnprfit crpratin lcated in Albany, NY, fr its general unrestricted purpses. Cntingent Bequest: Yu can name Albany Medical Cllege as the cntingent beneficiary t receive assets if yur named individual beneficiaries d nt survive. Sample cntingent beneficiary language: I hereby name Albany Medical Cllege, a nnprfit crpratin lcated in Albany, NY, as cntingent beneficiary. I have included an unrestricted gift t the Annual Fund in the amunt f: $100 $250 $500 ther $. Please fld and tape befre mailing. Albany Medical Cllege

6 Albany Medical Cllege P.O. Bx 8928 Albany, New Yrk Nnprfit Org. U.S. Pstage PAID Indianaplis, IN Permit N D e a r Fr i e n d s, In this issue f The Pillars Prtfli, we encurage yu t slidify yur estate-planning gals by creating a will that clearly describes yur wishes. S many times peple put ff creating a will. Intentins are gd but mving the prcess frward never happens. The fact is that nce yu d it there is relief in knwing that yu are taking care f lved nes and prviding supprt t yur favrite charitable interests. While yu are creating yur plan, yu may want t ask yur advisr hw including a charitable beneficiary can actually increase what yu leave t family and friends. Give it sme thught. Ask fr mre infrmatin. I am here t help with ideas n hw t include Albany Medical Cllege in yur planning. Sincerely, Laura Havens-O Brien Directr, Planned Giving J i n La u r a, Re u n i n w e e k e n d, a t t h e Pi l l a r s S c i e t y E s t a t e -Pl a n n i n g W r k s h p F e a t u r i n g Es t a t e -Pl a n n i n g E x p e r t L u i s W. Pi e r r, J.D. Learn mre abut hw t create successful estate-planning strategies and make them wrk fr yu. Saturday, April 24 3:00-4:00 p.m. Tuhey Executive Bardrm Hiltn Garden Inn at Albany Medical Center R e u n i n Ne w s Open t all. Let us knw yu will be there by calling (518) r Yetunde A. Adesanya, M.D. 05, celebrates her graduatin day with Martha L. Lepw, M.D.

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