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			<p><strong>WaterStone&reg;</strong><br />
			2925 Professional Place, Suite 201<br />
			Colorado Springs, CO 80904-8136
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			<h1>Stewardship...as a way of life</h1>
			
        <p>
            Imagine a world where giving is not just a response to the latest crisis, but rather a continual outpouring of hearts to causes that reflect deeply
            held values—where generosity is not as much about carrying out others’ wishes after they’re gone, as it is about seeing dreams planted, growing and
            spreading in this life.
        </p>
        <p>
            You may have completed your estate planning many years ago, or just last year. At that time your plan incorporated a Donor Advised Fund at
            Christian Community Foundation or National Foundation, both now known as WaterStone, with further grant distributions to your favorite charities
            after you pass on.
        </p>
        <p>
            On the Stewardship Questionnaire you recently returned to our office, you indicated interest in various opportunities for <em>significant</em>
            giving through your Donor Advised Fund.
        </p>
        <ul>
            <li>
                <strong><a href="#support">Support favorite ministries in a more significant and personal way</a></strong>
            </li>
            <li>
                <strong><a href="#capital">Save on capital gains taxes</a></strong>
            </li>
            <li>
                <strong><a href="#scholarship">Establish a scholarship program</a></strong>
            </li>
            <li>
                <strong><a href="#deduction">Receive yearly tax deduction and pass wealth to heirs</a></strong>
            </li>
            <li>
                <strong><a href="#unexpected">Unexpected inheritance</a></strong>
            </li>
            <li>
                <strong><a href="#donorfund">Reassess ministries and charities named in your Donor Advised Fund</a></strong>
            </li>
            <li>
                <strong><a href="#estateplan">Update your estate plan</a></strong>
            </li>
        </ul>
        <p>
            In the following paragraphs, we will introduce you to the various giving approaches available to you at WaterStone utilizing your Donor Advised
            Fund. We invite you to view an Online Presentation to discuss these possibilities, or you may prefer a Phone Call with a WaterStone professional. <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">Click HERE to reserve a time.</a></strong>
        </p>
<a name="support"></a>
        <h2>Support favorite ministries in a more significant and personal way.</h2>
        <p>
            Consider the possibility of consecrating a portion of your accumulated wealth with which God has blessed you; discovering where He is already
            moving; and using those funds to support His ways—something beyond what you normally give, something beyond your checkbook. WaterStone makes this
            possible. Envision lending a hand in painting the walls of the orphanage you helped build or holding a parentless child while whispering a prayer
            over him. Experience fresh joy as you discover new passions for your giving. We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a></strong> to discuss how you can support your favorite ministries in a more significant and personal way.
        </p>
<a name="capital"></a>
        <h2>Save on capital gains taxes. </h2>
        <p>
            When you begin thinking about the sale of non-cash property such as stock, mutual funds, a business, commercial property or a second home, it is
            possible to reduce the capital gains tax you would normally incur by donating an undivided interest in your property to your WaterStone Donor
            Advised Fund. When the sale takes place, the portion within your DAF may be reinvested with your own investment advisor and
distributed later when God has revealed His vision for you and your family. Just imagine! We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a> </strong>to discuss saving capital gains tax on sales of appreciated assets.
        </p>
<a name="scholarship"></a>
        <h2>Establish a scholarship program.</h2>
        <p>
            Perhaps you have experienced the benefits of a higher education only because you received scholarship funds. It is possible for you to pass the benefits of
            an advanced education to others with the WaterStone Scholarship Program. You will be blessed as you hand a scholarship
certificate to the student winner at graduation. We will help you do it! We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a></strong>.
        </p>
<a name="deduction"></a>
        <h2>Yearly tax deductions, yet still pass wealth on to family.</h2>
        <p>
            A terrific estate planning tool for our current economy is the Charitable Lead Trust (CLT). The CLT provides for an opportunity to effectively plan
            wealth shifting to the next generation by transferring property to children or other heirs at a low or zero estate or gift tax. The CLT is the
            perfect tool for you if you desire to steward assets well, give charitably and give tax-free to your children.
        </p>
        <p>
            The CLT can be funded with non-liquid assets, allowing you to take advantage of depressed prices on assets. All types of assets can be transferred
            to a CLT and once they are contributed to the CLT, they are immediately removed from your taxable estate. Each year, income payments may be made to
            your Donor Advised Fund, held, invested with further distribution to favorite charities and urgent needs. After a term of years, the CLT terminates
            and the remaining assets held by the CLT are distributed to your heirs. All assets that pass to your children may avoid estate taxation
            completely. We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time.</a></strong>
        </p>
<a name="unexpected"></a>
        <h2>Unexpected inheritance. </h2>
        <p>
            When someone close to you has passed on, you can use this opportunity to fund your Donor Advised Fund with newly acquired funds from an inheritance
            or insurance. Many people experience great joy in honoring a loved one with regular grants from their Donor Advised Fund in support of ministries
            or charities of special interest to the deceased. You are invited to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a> </strong>to discuss funding your Donor
            Advised Fund as a memorial to your loved one.
        </p>
<a name="donorfund"></a>
        <h2>Reassess the ministries and charities named to benefit from your family Donor Advised Fund.</h2>
        <p>
            Have you changed churches because of a move, or have you become interested in other ministries? It is easy to make changes or additions to your
            WaterStone Donor Advised Fund Proposed Purpose. We want to make sure your records accurately reflect your family’s legacy objectives. Let us help
            you. We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a> </strong>to discuss your purpose changes.
        </p>
<a name="estateplan"></a>
        <h2>Update your estate plan.</h2>
        <p>
            As children become adults and as family dynamics change, it is important to review your estate plan on a regular basis. May we refer you to an
            estate planning specialist? We invite you to <strong><a href="http://www.genbook.com/bookings/slot/reservation/30077983?bookingSourceId=1000" target="_blank">click HERE to reserve a time</a> </strong>to discuss your objectives with a WaterStone
            professional.<strong></strong>
        </p>
        <p>
            We hope to walk alongside you to help discover new ways of transforming assets into living water—water that refreshes replenishes and cleanses,
            yielding eternal life.
        </p>
		
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