In 50 years, 972 billion is expected to pass from one generation to the next in Michigan . In just 10 years, 140.6 billion, will have transferred.

National research projects a $53 trillion transfer of wealth across the United States . But while the average transfer nationwide will peak after 50 years, wealth transfer in many Michigan counties will crest in twenty to thirty years. In Hillsdale County , the greatest wealth transfer will likely begin to occur in the year 2025.

Much of this wealth is currently invested in family homes and farms, retirement accounts and other appreciated assets-some of which may be heavily taxed if given to heirs.

A one-time opportunity to create permanent benefits for Hillsdale County

If only 5% of local wealth was earmarked for charitable endowment, the resulting $28.85 million fund would generate millions every year for community projects and priorities in Hillsdale County -forever.

The Hillsdale County Community Foundation invites you to secure our future by building the Hillsdale County Community Foundation Endowment Fund-an endowment dedicated to improving quality of life in Hillsdale County .

When you give through the Hillsdale County Community Foundation, we can establish a fund in your family name, in the name of a loved one, or the name of a cause that's important to you. Endowed funds last forever and grow over time because the principal is never spent. Earnings are used to make grants in the name of your fund-creating a legacy of giving in Hillsdale County .

Ways to give

If you are retired, a planned gift from your estate may be more attractive to you and your family than a large gift today. You can leave a permanent legacy of giving, be a source of pride to your family and join others like you-building a stronger community.

Three easy ways to make a planned gift to your Community Legacy Fund include:

• Designate the Hillsdale County Community Foundation as the beneficiary of your IRA, 401(k) or other retirement account

These assets can lose up to 70% of their value when passed to heirs; changing the beneficiary designation does not involve modifying your estate plan.

• Designate the Hillsdale County Community Foundation as the beneficiary of a life insurance policy

There is no need to modify your estate plan.

• Ask your attorney to add the Hillsdale County Community Foundation to your estate plan

Talk to us and your professional advisor to learn about all of your giving options and choose the one that's right for you and your community.

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