While the past year has been challenging in many ways, there is hope for brighter days ahead as we continue to work together and help one another.

One key to withstanding the difficulties we may face is to be prepared.  Whether you are married or not, raising a family or have no heirs, planning for or enjoying retirement, your financial security and the well-being of those you care about most, including your charities you hold dear to your heart, can be shaped by the plans you make today.

Click here for ideas that may help you make the most of your charitable gifts at year-end.