Your Contributions At WorkThe CDC estimates that more than 29 million people (9.3% of the US population) have diagnosed or undiagnosed diabetes. In addition, they estimate that 86 million US adults, more than 1 in 3, have prediabetes, which can increase the risk of developing type 2 diabetes, heart disease, and stroke. The cost to the US of this growing trend is estimated at $245 billion in 2012.* Through the YMCA's Diabetes Prevention Program, the Y is working hard to reduce the number of people at risk of developing Type 2 diabetes.

“The day that [my doctor] suggested I consider the Diabetes Prevention Program sponsored by the YMCA was the beginning of a year that changed my life.” —Kathy, Stevens Point

With the help of the DPP, Kathy has lowered her blood pressure and her triglycerides and reduced her weight. After struggling several years with back and hip problems, she is now able to walk 30 minutes 5 days a week. Kathy said the program has truly made a difference in how she feels and she is so glad she decided to take this journey.

In 2015, the YMCA Foundation provided a $3,000 grant to help offset the cost to participate in important chronic disease prevention programs such as the DPP.

*Centers for Disease Control and Prevention. Diabetes Report Card 2014. Atlanta, GA: Centers for Disease Control and Prevention, US Dept of Health and Human Services; 2015.

INVESTING IN OUR FUTURE

What is the YMCA

Heritage Club?The YMCA Heritage Club is a group of very special people who have committed to the future of our YMCA by making an outright gift or including the Y in their wills, trusts or as a beneficiary of their estate plans. Gifts to the YMCA Foundation are invested, and the earned income is used annually to enhance YMCA programs and services.

With your gift, you become part of the YMCA Heritage Club and build long-range financial stability for the YMCA. Membership in the YMCA Heritage Club includes distinguished recognition and special invitations to YMCA and YMCA Foundation events and activities. Make your gift last longer than the here and now by investing in the future of the children, adults and families right here in your community.

To become a Heritage Club member, contact Kelly Caughlan - Foundation Director, P 715 342 2980 ext. 320 E yfoundation@spymca.org or return the enclosed Notice of Commitment.

YMCA HERITAGE CLUBStevens Point Area YMCA

Newsletter • Fall/Winter 2015

Our world is starving for a transformational approach to money that bridges our means with our sense of meaning. Gone are the days where a person takes a job for life, works hard and earns a good living, then retires in comfort and modest financial security. People are living longer and realizing that being a certain age need not preclude you from contributing to society. Today, men and women in their 60s, 70s, and beyond are still making an impact with their actions and their assets.

While many in our society chase the latest trend for realizing an incremental return on investment, those who invest in and on purpose are looking to utilize themselves and their resources in ways that will bring them a more substantial Return on Life™ (ROL).

Can I have a fulfilling retirement? Here are some questions to ask when seeking a more fruitful ROL harvest from your money: 1. How much is enough? 2. If I had all I ever needed, what would I do differently? 3. How can I use my surplus to bring more joy into my life (and the lives of others)?

How much is enough? A bit more than you think if you factor in the potential for longevity and inflation rates over time. But this question is most appropriate for those who have diminished debt, reduced living expenses, and more coming in each month than they spend. Why build bigger and broader storehouses, only to have them go to other parties when you pass away? There are only four things we can do with our money: 1. Owe it (taxes, debt) 2. Grow it (investments, savings) 3. Live with it (monthly expenses) 4. Give with it (causes and charities)

If I had all I ever needed, what would I do differently? Every so often we read the story of a lottery winner who goes back to his or her job on Monday. Why? Because for many of us, there is more to work than just collecting a paycheck. It’s the value we bring to our work. It’s the good we do. It’s the sense of relevance that work brings to our lives that matters more. Let’s not be fooled into thinking that money can bring lasting relevance, meaning, or purpose.

How can I use my surplus to bring more joy into my life? It’s more important to have goals to look forward to than to have balance sheets to read. Abundance with goals helps you make your share of difference in the world. This kind of thinking is a cornerstone of the life lived with and invested on purpose. Seeking abundance without goals robs us of joy and has the potential to open our lives to anxiety, parsimony, and cynicism.

Life’s two great anxieties: health and money If your doctor told you that you have a chronic disease, you probably wouldn’t sleep well tonight. That’s anxiety, brought on by a lack of confidence or clarity about the future. Health is one of the two greatest anxieties in life. Money is the other. Most people know that basic financial knowledge and actions like regular saving, managing expenses, prudent use of debt, and living within your means, can help provide financial security. But anxiety and uncertainty keep many from setting goals and making plans. They become easily distracted by hype and the latest investment fads. Studies have shown that having a plan for accomplishing a goal makes it more likely that the goal will be reached. Writing down the desired outcome and then measuring progress on a periodic basis can reduce money anxiety significantly.

Where can you sow your wealth for the greatest return of joy? This is a question to embrace as we move forward on the path of investing in and on purpose. One thing we know for sure –– having met so many people who are extracting a great Return on Life –– is that being a person with substance and a person of substance need not be mutually exclusive.

Tony Hallada, CEO, CliftonLarsonAllen Wealth Advisors tony.hallada@CLAconnect.com or 612-376-4529

Mitch Anthony, President, Advisor Insights Inc. and Financial Life Planning Institute. Author of 'The New Retirementality' mitch@mitchanthony.com or 507-282-2723

Published: 5/19/2015

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The Benefits of Investing In and On Purpose This article is a collaboration between Mitch Anthony, renowned author and motivational speaker, and Tony Hallada, the CEO of the Wealth Advisory practice at CliftonLarsonAllen. Please enjoy and feel free to contact me.

Lizz Schneider, CFP®, Senior Wealth Advisor, CliftonLarsonAllen Wealth Advisors, LLCPhone: 715-344-4984 • E-mail: lizz.schneider@claconnect.com

YMCA Heritage Club • Stevens Point Area YMCA

Recognition That Lasts

Leaving a LegacyThrough the estate of Ruth E. Salzmann, the Stevens Point Area YMCA Foundation was one of four community organizations that received a gift in the amount of $300,000.

The Y has invested Salzmann’s gift in their program enhancement, annual campaign and Y camp trust funds. The income generated from these three invested funds will be used to increase the impact of Y programs and services in our community, provide financial assistance to those in need and ensure that every camper has enriching experiences in an outdoor, fun and safe environment.

Kelly Caughlan, Y Foundation Director said, “Ruth was a great lady. Her stories about being a professional woman during a time when very few women were in leadership roles were always interesting and sometimes hard to believe. She was very accomplished, and truly a remarkable woman. We will be forever grateful for her generosity.”

Salzmann, an executive vice president and actuary when she retired from Sentry Insurance in 1984, was the first woman vice president at Sentry and the first woman to serve on the Sentry Board of Directors. She was also the first woman president of the Casualty Actuarial Society and a distinguished alumnus of the University of Wisconsin-Madison School of Business. In 2000, she was named one of the “100 Leading Women” by Business Insurance. An accomplished cornet/trumpet player as well as tennis player, she was also well known for her sense of humor. She annually celebrated Old Maid’s Day—a national holiday on June 4—by creating and sending cards to her friends and family. Salzmann passed away on July 24, 2014 at the age of 95.

The Y Foundation, with great appreciation and fond memories, has dedicated 58 etched bricks in their memorial garden since 2004. The contributions of these individuals, along with others, help perpetuate the work of the Y and establish the foundation on which we grow. The memorial garden is located near the front entrance of the YMCA.

YMCA Foundation Golf Outing 2015It was a rainy but successful fun-filled day at the 13th Annual YMCA Foundation Golf Outing. The event sold out with 148 golfers at the beautiful and newly renovated SentryWorld. All proceeds from the event (over $20,000) will be used to enhance YMCA programs and services. Thank you to all of the sponsors, volunteers and participants who made this event possible. A special thank you to our presenting sponsor, Skyward, for their continued support.

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YMCA Heritage Club • Stevens Point Area YMCA

Tell your loved ones how much you care about the Y! Memorial gifts and gifts made in your honor can have a huge impact on the children, adults and families who love the Y as much as you!

3Actions You Can Take Today

Stevens Point Area YMCA Foundation 2015-16 Board of Trustees and Officers

Fritz Schierl2015-16 Ex Officio Member YMCA Board of Directors President

Keith PilgerGerry O’BrienMarg Coker Nelson

Sue KoehlLizz SchneiderKris FirminhacBen MartinsenDale WarnerDave Marie

Carol PringleLiz KammerDan RevaiJerry KingJoe Kinsella Jr.

Sue KoehlChairperson

Lizz SchneiderChairperson-Elect

Ben MartinsenTreasurer

Keith PilgerPast Chair

Kelly CaughlanEx Officio, Staff

Dave MorganEx Officio, Staff

Director Emeritus: Bob Taylor, Jay Warner, Sr., Edie Kraus (In Memoriam), Joan Joerns (In Memoriam) and Helen Godfrey (In Memoriam).

Consider a planned gift by naming the Y as a beneficiary of appreciated stock, your IRA (including your employer retirement plan), life insurance policy or through a bequest in your will. Even designating 10% of your estate to the Y can have a lasting impact!

2Make an outright gift to one of the three YMCA Foundation Trust Funds.Whether your passion is making sure no one is turned away from the Y due to inability to pay, Y Camp or enhancements to Y programs, your outright gift is invested to ensure it’s a gift that continues to give well into the future.

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YMCA Heritage Club • Stevens Point Area YMCA

Contact: Kelly Caughlan, Foundation DirectorStevens Point Area YMCA 1000 Division StreetStevens Point, WI 54481

P 715 342 2980 ext. 320E yfoundation@spymca.orgF 715 342 2987

Foundation Executive Committee

SUPPORTING THE YMCA LEGACY"As children, my husband and I were members of the original Y swim team. I have many fond memories of going on Y teen ski trips and outings. As parents, the Y provided so many opportunities for personal growth and responsibility for our children, between programs, preschool, camp, teams and jobs. So when we did some estate planning, it was very important for us to make plans to give back to the organization that had partnered with us as children and as parents. We are proud to be Heritage Club members to support the future of the Y in our community."

Sue and Paul Koehl

"The Y serves a wide range of Portage County residents—people of all ages, conditions and abilities—looking to improve their health and wellness emotionally, psychologically and physically. Everyone walking in the door is treated equally with respect.

We believe in the Y’s mission and hope our planned gift adds to the viability of the Y in the future, long after we’re gone.

The Y’s commitment to supporting individuals and families, which helps make our community better and stronger, coincides with our family values. The return for our community far exceeds our investment."

Tina and Don Peters

"For our community's success, we need to invest in our children. Bob and I support the YMCA because their programs help develop the full potential of every child. We love seeing the progress our grandson has made in Y swim lessons, not only water safety and learning to swim, but self-confidence and independence. It’s important that we give back to an organization that truly makes a difference and prepares children for a brighter future."

Mary and Bob Berard