2019 Legacy Magazine

Living

GENEROUSLY LEGACY EDITION 2019

IN THIS ISSUE

Carol Rivchun: Her Heart Is in Cleveland PAGE 6

Danielle and Jeff Wild: The Impact of Together PAGE 8

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Permanent Endowment Funds: Let Your Passions Outlive You PAGE 10

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CREATE YOUR JEWISH LEGACY R V’D O

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You can create a lasting legacy with the Jewish Federation of Cleveland to benefit your children, grandchildren, and future generations, while supporting the causes you care about. Using a current or deferred endowment gift, you can become part of Federation’s Legacy Society.

www.jewishclevelandgifts.org

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Your Partners in Philanthropy Our team of Development Professionals can help you achieve your philanthopic goals.

ERIKA B. RUDIN-LURIA 216-593-2867

CAROL WOLF 216-593-2805

MATTHEW KALIFF 216-593-2831

HEDY MILGROM 216-593-2850

JANET SHAPIRO 216-593-2875

ANN GARSON 216-593-2814

JENNIFER SCHWARZ 216-593-2816

MICHAEL COLE 216-593-2795

LISA HACKER 216-593-2792

In This Issue 4 5 6 8

A Message from Our Board Chair and President Meet the New President of the Federation Carol Rivchun: Her Heart Is in Cleveland Danielle and Jeff Wild: The Impact of Together

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Permanent Endowment Funds: Let Your Passions Outlive You

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Bonnie Marks and Carol Paull: Our Pleasure and Our Privilege

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Your Guide to Participatory Philanthropy

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Endowment Book of Life: Celebrating 20 Years

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Federation’s Unrestricted Endowment Fund: Our Community’s Safety Net

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Hebrew Shelter Home: Helping the Most Vulnerable Legacy Society

If every person created an endowment fund during his or her lifetime, our Jewish community would be guaranteed to have what every individual needs, whatever that may be, for generations to come. We are forever grateful to the hundreds of donors who have created endowment funds to support what they are most passionate about protecting in our community.

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“The Impact of Together,” the theme of our 2019 Campaign for Jewish Needs, reminds us of our community’s collective strength when we work with one another. This is not a new idea, as the Jewish Federation of Cleveland has helped to place our community in a position of strength for more than a century. In addition to the annual Campaign, the Federation’s endowment funds are the community’s safety net in challenging times and provide funding for innovative programs that could not be funded by annual giving alone.

A MESSAGE FROM GARY GROSS AND ERIKA RUDIN-LURIA

It is an exciting time in Jewish Cleveland. Over the past year, our diverse community has come together to celebrate Israel’s 70th anniversary of independence, stand up against hate, and raise critical funds to make an impact that is changing and improving lives in our neighborhoods, in Israel, and around the world.

None of this would be possible without the generosity of our donors. Because of you, we are able to care for one another, prepare for the future, share our perspectives, and repair our world. If you have questions about how you can Create Your Jewish Legacy, please give us a call.

We are here for you. Together we can help keep Jewish Cleveland vibrant for future generations.

Gary L. Gross Board Chair

Erika B. Rudin-Luria President

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Introducing

Erika B. Rudin-Luria

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or Jewish Federation of Cleveland President Erika B. Rudin-Luria, planning for our community’s future is a passion that has become her life’s work.

In her previous role as the Federation’s Senior Vice President and Chief Strategy Officer, she oversaw the organization’s strategic planning, community development, allocations, governance, and marketing functions. In this capacity, she provided the vision and direction necessary to drive the organization’s planning and research agendas, and developed solutions for evolving community needs.

“There is no greater honor or privilege than serving as the president of the Jewish Federation of Cleveland,” she said. “Cleveland is one of the strongest and most passionate Jewish communities in the world.”

According to Erika, one of the many reasons why Cleveland is such a vibrant Jewish community is the generosity of those who came before us. It is because of their foresight more than a century ago that the Federation’s Endowment Fund is keeping Jewish Cleveland strong to this day.

The Endowment Fund helps our community plan for its future and allows us to support innovative initiatives such as jHUB, a new way for interfaith couples and families to explore Jewish culture in the modern world. Similarly, the Fund helps to advance impactful new programs that address critical community issues like hunger and poverty.

The Endowment Fund is also there for us in times of crisis, making emergency grants to assist victims of natural disasters and terror attacks, and providing humanitarian aid in the United States, Israel, and around the world. In the face of the growing threat from anti-Semitism and in light of the attack on the Tree of Life Synagogue in Pittsburgh, increased security throughout Jewish Cleveland is no longer an option. Our Endowment Fund is critical to the current and future health of our community, and helps us live Jewishly in a safe and welcoming environment.

“Our community’s commitment to each other is a testament to our parents, grandparents, and ancestors who made it a priority to ensure that our people will go from strength to strength,” she added.

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The World Is Her Oyster, But Her Heart Is in Cleveland

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rowing up, Carol Rivchun spent many hours at her family’s jewelry store – Chas. S. Rivchun & Sons Jewelers. Her mother worked alongside her father. Her grandfather, her uncle, and their wives worked there as well. The family business

gave Carol front row seats to some very special customers such as George Szell, the conductor of the Cleveland Orchestra, Don Effler, the pioneering Cleveland Clinic heart surgeon, and even the Crown Prince of Arabia! It was through the store that Carol got to know the Cleveland general and the Jewish community alike.

Community service and caring for others was an important value in Carol’s family – with an emphasis on giving of your time and helping people. Carol’s father served on various community boards, and also showed Carol the value of helping one individual, one family. When Soviet Jews first arrived in Cleveland in the 1970s, Carol’s father created a position for a jeweler at the store and hired Sima, who worked there for decades.

The value of helping one person is clearly deeply rooted in Carol. She recently retired after 20 years as President and CEO of the non-profit Youth Opportunities Unlimited (Y.O.U.). After a job at the Council of Smaller Enterprises (COSE), where she managed the small business education program, she heard about an opening at Y.O.U. and realized she could really make an impact there by leveraging all of the connections she had made at COSE.

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During her tenure, she expanded and enriched the program exponentially. Y.O.U. became a United Way agency, and collaborated with the City of Cleveland and Cuyahoga County. Under Carol’s leadership, Y.O.U. helped over 150,000 young people.

Carol didn’t let her busy professional life get in the way of participating in the community. She has served on the boards of the Ohio Chamber Orchestra, Mt. Sinai Health Care Foundation, the Cleveland Jewish News, the Jewish Agency For Israel, and the Jewish Federation of Cleveland.

In fact, it was during a board meeting at the Federation that Carol first got the idea to make a Legacy gift. She was listening to a presentation about the different ways to fund a gift, and realized she could join the Legacy Society simply by making the Federation the beneficiary of her IRA. What inspired her to leave this gift? Carol explains, “As you get older, you realize that you don’t need all the money that you think you will. Once you are comfortable, what more do you need?” Carol wanted to be able to support Jewish Cleveland – and is gratified to know that her gift will help her community even when she is no longer around.

“My parents raised me to think of the world as my oyster.

I could go anywhere and do anything. I consider myself a citizen of the world, but

Cleveland is my home base.”

As an experienced non-profit professional, Carol was impressed with the Federation – “they are good at making money with money and they know how to spend money well.” She was inclined to leave her gift to the Unrestricted Endowment Fund. “I feel very comfortable that Federation will scrutinize how to spend the money even better than I would have. They are rational and never react in a kneejerk way.” According to Carol, programs like jHUB – which connects interfaith families and couples to Jewish life in Greater Cleveland – demonstrate the Federation’s strategic planning at its best.

Carol has loved to travel ever since she was a child, “My parents raised me to think of the world as my oyster. I could go anywhere and do anything.” She is excited to have the time, now that she is retired, to go on even more adventures. “I consider myself a citizen of the world, but Cleveland is my home base.” A home base that will be made better by her decision to make a Legacy gift.

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Together The Impact of

Although Danielle and Jeff Wild grew up hundreds of miles apart, they had similar upbringings and were raised with similar values. They both attended Jewish Day School – Danielle the Hebrew Academy in Cleveland and Jeff the Frisch School and SAR Academy in New York. The importance of tzedakah was something they learned about in school and was reinforced at home. Jeff was taught that it doesn’t matter what you have – there are always people who need more than you and you must always be generous. Danielle remembers the knocks on the door at her family’s University Heights home looking for donations and that her father always gave.

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“My family has been in Cleveland for over 120 years. It is important to me to make my own gift and

speak with my own voice. My name will keep going, and I will be able to contribute to the community in perpetuity.”

Andrew Duany Photography Inc.

These shared values drew them together when they first met in New York City. And when they decided to relocate from New York to Cleveland as a young married couple, it was the Fuchs Mizrachi School (Danielle’s father was the first Chairman of the Board) that enticed them back to her hometown.

They knew that they wanted their children to attend Jewish Day School – just as they had. Camp Stone provided the ideal summer camp for their three boys. Being familiar with the many studies linking day school and Jewish summer camp to leadership and continuity in the Jewish community, they were thrilled that Cleveland offered what they were looking for to nurture their growing family.

Danielle’s family had been involved with the Jewish Federation of Cleveland for over a century – her great grandparents were donors. Danielle’s parents, Esther and Bernard z”l Rutman were involved in Federation as well – her father chaired the Food Division for the Campaign and her mother was active in Women’s Philanthropy. Danielle and Jeff’s first experience together with the Federation was with the Young Leadership Division (YLD). Through YLD they met many of their closest friends who share a passion for Cleveland’s Jewish community and a commitment to the good work of the Federation.

Their appreciation for the work of the Federation increased as they became even more involved – Jeff through his roles as the Board President of Fuchs and then as the Chair of the Federation’s Allocations Committee, and Danielle through Women’s Philanthropy. They saw first-hand that the support provided by the Federation to its agencies was unwavering. Whether it was financial support or a problem that needed guidance, the Federation was there. And during his tenure as the Allocations Chair, Jeff saw how each and every dollar was utilized by beneficiary agencies to serve the community.

Danielle and Jeff had been thinking about making a Legacy gift for many years, but their leadership roles for the Campaign for Jewish Needs – Danielle as the Chair of Women’s Philanthropy and Jeff as the General Chair of the Campaign – solidified their desire to give back and create a Legacy gift that supports the Campaign. “We are the beneficiaries of smart planning and incredible philanthropy,” said Danielle. “We have witnessed how the annual Campaign provides for the basic needs of the community – health, education, and providing food, shelter and medicine for those who can’t provide for themselves.”

The process of creating their Legacy gift was an easy one. They met with Federation staff and with their financial advisors and found a vehicle for making their gift that worked for them.

Danielle is proud that she created a Lion of Judah Endowment in her name. “My family has been in Cleveland for over 120 years,” she said. “It is important to me to make my own gift and speak with my own voice. My name will keep going, and I will be able to contribute to the community in perpetuity.” Jeff’s FOREVER Fund will ensure that he can make a gift to the annual Campaign to ensure a strong Cleveland Jewish community for generations to come. “We want Cleveland to continue to be a strong Jewish community so that our children will want to raise their families here, just as we did,” he said.

Danielle and Jeff hope that their gift will inspire others who are thinking about making a Legacy commitment to do so. For them, “The Impact of Together” is lived each and every day in the generous and caring Jewish community that they are so proud to be a part of.

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Let Your Passions Outlive You WITH A FOREVER FUND or LION OF JUDAH ENDOWMENT (LOJE)

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OREVER Funds & Lion of Judah* Endowments (LOJE)** are permanent endowment funds of the Jewish Federation of Cleveland that perpetuate your gift to the Campaign for Jewish Needs.

How does it work?

• The annual spendable portion of the FOREVER Fund/LOJE is used each year to make a grant to the Federation’s Campaign for Jewish Needs – the grant will be made in perpetuity in your name or that of the person you have chosen to honor or memorialize.

• You can create a FOREVER Fund in any amount or a LOJE with a minimum of $125,000 during your lifetime or after your death.

• You can make an irrevocable gift of cash, securities, or other property.

• You may also use life insurance, charitable remainder trusts, retirement accounts, and donor advised fund recommendations.

Benefits of creating a FOREVER Fund/ LOJE

• If you make the gift during your lifetime, you may receive a charitable income tax deduction.

• You provide a permanent source of funding for the Federation’s annual Campaign for Jewish Needs, ensuring that the vital operating needs of the community continue to be met long after you are gone.

This material is presented for informative purposes only and should not be construed as legal, tax or financial advice. When considering gift planning strategies and year-end gift opportunities, you should always consult with your own legal, tax or financial advisors.

LOJE25 Campaign

In partnership with Jewish Federations of North America (JFNA) and National Women’s Philanthropy (NWP), the Jewish Federation of Cleveland is participating in the LOJE25 Campaign to celebrate the 25 years of the LOJE program. Across the Federation system, Women’s Philanthropy is the fastest growing segment to benefit the annual campaign, representing 25% of the dollars raised.

Here in Cleveland we are committed to securing at least 25 new LOJEs by 2020!

Special thanks to the LOJE25 Campaign Committee: Sandra Wuliger, Chair; Peggy Garson, Adrienne Goldberg, Penny Greenberger, Shari Perlmuter, Susan Rubin, Steve Weinberg, Danielle Wild, Jeffrey J. Wild, Dara Yanowitz, and Dan Zelman *Lions of Judah are women who make individual gifts of $5,000 or more to the annual Campaign for Jewish Needs. **A Lion of Judah Endowment (LOJE) perpetuates a Lion of Judah gift to the annual Campaign for Jewish Needs.

For more information about Lion of Judah Endowment Funds, please contact Lisa Hacker, Director of Women’s Philanthropy at 216-593-2792 or lhacker@jcfcleve.org. All inquiries are confidential.

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The Jewish Federation of Cleveland and Women’s Philanthropy would like to recognize the following women for perpetuating their annual campaign gifts by creating a Lion of Judah Endowment.

Terry Adelman

Penny Greenberger

Evie Safran

Karen B. Altschul

Erica Hartman-Horvitz

Eleanor Schwartz

Nancy Wilkoff Bell

Anita Heller

Eileen W. Sill

Loretta Borstein* in Memory of Jerome Borstein

Rebecca C. Heller

Karen Lipman Steiger

Michelle Hirsch

Peggy Gries Wager

Ann Nickman Jacobson*

Amy L. Wain

Suellen Kadis

Nina Wain*

Andrea Katz

Judith Weidenthal*

Carol Lader

Penni Mandel Weinberg

Fran Lasky

Betty Weintraub*

Sharon Effron Lebovitz

Judith Weiss

Sandra Lipman*

Trudy Wiesenberger

Marianna Luxenberg* in Memory of Herbert Luxenberg

Danielle Wild

Tamar Maltz

Elissa Wuliger

Cookie Marcus

Sandra Wuliger

Lois Marcus

Dara G. Yanowitz

Shelley Milin Marcus

Donna Yanowitz

Barbara J. Meckler

Paula Zeisler

Anne Miller*

Ellen Potiker Zelman

Shari S. Perlmuter

Anonymous (2)

Beth Wain Brandon Marilyn B. Cagin Florence Chelm ReneĂŠ Chelm Nan Cohen Lois J. Davis Carol Franklin Feig* Margaret Richards Frankel Beatrice Franklin Jane L. Friedman Mady Friedman Beverly Gans Peggy Garson Norma C. Geller Eleanor Gerson* Holly B. Gertman* Adrienne Goldberg Toby Goldfinger Francine M. Gordon Tamra F. Gould Roe Green

Judy Klein Willensky

Cathy Randall Enid Baum Rosenberg

*of blessed memory

Barbara Rosskamm Susan Rubin

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Our Pleasure and Our Privilege

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or Bonnie Marks and Carol Paull, generosity and community involvement are part of their DNA. Their parents, Elmer and Eudese Paull z”l, set the example – they always involved their children in acts of tzedakah such as “adopting” a family resettled from Egypt and cooking dinners for them or collecting items for the food bank.

Elmer and Eudie were both also leaders in the community. Elmer held leadership positions at Jewish Family Service Association (JFSA), Park Synagogue, and Montefiore. After retiring from teaching and running the Sunday School at Park, Eudie volunteered with YouthAbility – a program that offers disabled and at-risk youth volunteer service, vocational activities, and social enrichment opportunities.

The legacy of Jewish community involvement handed down by Elmer and Eudie to their children Carol and Bonnie influenced every aspect of their lives – including their professional careers. Carol, a social worker, worked at JFSA, Bellefaire JCB’s JDN Early Childhood Center, and the Mandel JCC. Bonnie’s career included roles at ORT and the Mandel JCC.

Leadership Division, Bonnie was the Campaign Chair for the Women’s Philanthropy Division. They have also traveled on many meaningful Federation missions. Bonnie is currently the Chair of IMPACT! – Federation’s volunteer program for adults 50+.

After Eudie passed away in 2013 and Elmer in 2015, Bonnie and Carol decided that they wanted to create an endowment fund at the Federation to honor their parents. When they first began brainstorming about their gift, they had not yet decided where they wanted to direct the funds. Before they met with Federation staff, they assumed that their gift would be designated to helping children.

However, during their first conversation about creating the endowment, they learned about the Cemetery Preservation Campaign that would honor and safeguard the dignity of previous generations by caring for Jewish cemeteries that are no longer connected to synagogues. They were moved by the idea that they could help fulfill a need that was identified by the larger Jewish community. They structured their endowment so that the first 10 years of fund distributions go to the Commission on Cemetery Preservation, and thereafter to the Unrestricted Endowment Fund.

The Jewish Federation of Cleveland was central to the Paull family. Carol was the head of the Young

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THE CEMETERY PRESERVATION CAMPAIGN

“Our father, a financial planner,

ensure the stability of agencies helped

like the Federation, JFSA, Montefiore, and Park Synagogue as they helped provide ever increasing programs and safe spaces for the vulnerable in our community. We are proud to be their children and hope that we have been a credit to them in continuing to ensure the family legacy.”

Bonnie Marks and Carol Paull

In 2015, the Jewish Federation of Cleveland set out to raise $3.5 million to support local Jewish cemeteries that could no longer sustain themselves properly. There was an immediate need for funding to ensure the dignified maintenance of our Jewish cemeteries, as many of them were plagued with overgrown trees and grass, missing fences, and overturned headstones.

Because of the generosity of our community, we were able to reach our fundraising goal which allows our community to honor and safeguard the dignity of those buried in Jewish cemeteries throughout Greater Cleveland. This support has ensured that 15,000+ graves under the management of the Jewish Federation of Cleveland’s Commission on Cemetery Preservation will be cared for in perpetuity. The full-time Cemetery Operations Manager oversees the properties and has made necessary physical improvements, identified and marked graves, added signage and increased security.

Our deepest gratitude to those who made this possible.

They describe the process of establishing the endowment as “very simple.” Creating the gift was “literally two or three conversations.” The first meeting was about setting the priorities. The next was about how it would work, and the third meeting was signing the paperwork.

Carol shared that she was surprised that “something that is so fulfilling is so simple. It’s easy, it’s fun, and it’s important.” The sisters are filled with pride when they think about their gift and how it honors their mother and father and keeps their connection to them. In fact, they named it the Eudese and Elmer I. Paull Memorial Endowment Fund. When asked about their gift, Bonnie said, “It is our pleasure and our privilege.” Carol added, “It’s a core value – it’s part of our core.”

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Donor Advised Funds Component fund of the Federation.

YOUR GUIDE TO PARTICIPATORY PHILANTHROPY Our trained professionals partner with you to bring the generations together in conversation and action around shared values

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he Jewish Federation of Cleveland is a trusted name in Jewish philanthropy in Northeast Ohio. Its wide range of charitable gift planning vehicles provides attractive solutions for individuals to actively participate in the philanthropic process and ensure our community’s future.

The Federation is especially adept at working with generations of families to design philanthropic programs that reflect donor values and desires for the future. The Federation’s Donor Advised Fund and Supporting Foundation programs engage donors and their families in effective and strategic grantmaking to benefit organizations in the Jewish and general communities in Northeast Ohio and around the world.

Thoughtful philanthropic planning reflects the natural integration of a donor’s beliefs and financial objectives. Judaism teaches the importance of providing for those unable to provide for themselves, as well as each individual’s responsibility to make the world a better place.

Separately identified fund on the Federation books in a name chosen by the donor.

Donors and/or other designees may recommend, but may not control, charitable distributions from the fund. The Federation has exclusive legal control of assets contributed to the fund.

Charitable distributions may be made to appropriate 501(c)(3) public charities (not inconsistent with the Federation’s purposes), approved by the Federation.

Investment income of the fund is also available for distribution.

Deductibility of cash gifts is subject to 60% of adjusted gross income ceiling with five-year carryover for unused deduction.

Gifts of appreciated property qualifying as long-term capital gain property are deductible at fair market value subject to 30% of adjusted gross income ceiling with five-year carryover for unused deduction.

May tie in to a donor’s planned giving program and/or estate plan.

Minimum grant amount is $100.

All recordkeeping done by the Federation.

No tax on the fund’s income.

No separate annual filing with IRS or state.

To learn more about Participatory Philanthropy, please contact:

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y

Supporting Foundations

Private Foundations

Separate non-profit corporation.

Separate non-profit entity.

Qualifies as a public charity because of affiliation with and oversight by the Federation.

Not a public charity; subject to private foundation penalty taxes.

Administered by a board of trustees – majority appointed by the Federation/minority by the donor.

Donor administers and can direct grants to 501(c)(3) charitable organizations and to other organizations for a charitable purpose.

Charitable distributions may be made to appropriate 501(c)(3) public charities.

Charitable distributions may be made to appropriate 501(c)(3) organizations.

Investment income of the foundation is also available for distribution.

Investment income of the foundation is also available for distribution.

Deductibility of cash gifts – same as gifts to the Federation for donor advised funds.

Deductibility of cash gifts subject to 30% of adjusted gross income ceiling with five-year carryover for unused deduction.

Deductibility of gifts of appreciated property – same as gifts to the Federation for donor advised funds.

Deductibility of all property gifts limited to cost basis; subject to overall 20% adjusted gross income ceiling with five-year carryover.

EXCEPTION: Gift of appreciated publicly-traded stock (long-term) deductible at fair market value; subject to 20% adjusted gross income ceiling with five-year carryover and aggregate contributions limited to 10% of outstanding stock of corporation.

May tie in to a donor’s planned giving program and/or estate plan.

May tie in to a donor’s planned giving program and/or estate plan.

No minimum grant amount or annual distribution requirement.

Minimum annual distribution 5% of investment assets.

All recordkeeping done by the Federation.

Foundation is responsible for recordkeeping.

No tax on the foundation’s income.

Excise tax of 2% or 1% on investment income.

Required IRS and state filings done by the Federation.

Required IRS and state filings done by donor, foundation manager or advisor.

Ann Garson

Matthew A. Kaliff

Janet Shapiro

216-593-2814 agarson@jcfcleve.org

216-593-2831 mkaliff@jcfcleve.org

216-593-2875 jshapiro@jcfcleve.org

Information current as of November 2018. This material is presented for informational purposes only and is not intended to be a complete description of all technical requirements and should not be construed as legal, tax or financial advice, or covering all technical aspects. When considering gift planning strategies, you should always consult with your own legal and tax advisors.

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Morry Weiss

ENDOWMENT BOOK OF LIFE

Eleanor Schwartz, Bob & Penny Greenberger

20th Anniversary Celebration Members of the Jewish Federation of Cleveland’s Endowment Book of Life Society celebrated the 20th Anniversary of the Federation’s Endowment Book of Life. The festive dessert reception featured Stephen H. Hoffman, the recently retired President of the Jewish Federation of Cleveland, who shared “Reflections on my 44 years at Federation.” Each attendee was given a copy of the newly published bound edition of the Endowment Book of Life, which was updated with statements from new members and also included many beautiful archived photos of our Cleveland Jewish community.

Stanley & Sally Wertheim

Helen & David Nagusky

The Endowment Book of Life is a collection of personal statements written by donors who have made commitments of $100,000 or more to the Federation’s Endowment Funds. The Endowment Book of Life is on permanent display at the Federation’s Jack, Joseph and Morton Mandel Building. Video statements may be viewed online at www.jewishclevelandgifts.org.

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Lois Goodman and Bruce Goodman

1/22/2019 2:06:56 PM

Rina & Sam Frankel Lexi Perlmuter, Eileen Sill, and Shari Perlmuter

Robert & Susan Hurwitz

Stephen H. Hoffman Iris November, Norma Geller

Howard Epstein and Natalie Epstein

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THE JEWISH FEDERATION OF CLEVELAND’S UNRESTRICTED ENDOWMENT FUND

A Safety Net for Our Jewish Community

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hen the Jewish Federation of Cleveland published the 2011 Greater Cleveland Jewish Population Study, one of the key findings was that there was significant economic vulnerability in the Cleveland Jewish community. 36% of Jewish households reported that they were “just managing.” 50% of Jewish households reported that they were negatively impacted by the economic downturn – baby boomers experiencing the worst of the effects. These findings, among others, led the Federation to create the Task Force on Financial Distress.

The Task Force brought together community member experts across multiple disciplines and beneficiary agency professionals who are on the front lines of meeting the needs of the most vulnerable in our community. Together, they investigated and studied the issues raised by the findings of the population study as they related to financial distress. This multi-year process led to many recommendations to improve the lives of our Jewish Cleveland community – two of which included the creation of the Forward Focus program at the Jewish Family Services Association, and the Cleveland Chesed Center in Cleveland Heights.

FORWARD FOCUS Forward Focus is an intensive financial literacy and personal budgeting program with housing stabilization and employment components. The main goal of Forward Focus is to break the cycle of poverty. The program serves families and individuals whose heads of households are primarily age 50 and over, long-term unemployed or underemployed, non-disabled, and facing housing instability. Within the first two years of the pilot, Forward Focus reported high percentage improvements in housing self-sufficiency, earned income, food sufficiency, and transportation sufficiency.

One grateful client expressed the positive impact the program has had, saying, “Before Forward Focus came into our lives, we were in seriously troubled waters. No steady job, no savings, no line of credit, and our house on the line, we were out of options. Life was a constant string of stresses – financial, emotional, psychological, and physical. It was a mess and we were at the bottom. Forward Focus has been such a blessing for us. They have brought us back from the brink of disaster and put us on solid footing, advising us, helping us organize our budget, and refocus our priorities in spending.”

The Forward Focus program was able to launch due to a grant from the Federation’s Endowment Fund.

Once this funding was obtained, JFSA was not only able to immediately begin providing crucial support to families in need, but also was able to leverage this funding to receive other grants and is today at the forefront of meeting the greatest needs in our community.

“Forward Focus has been such a blessing for us.” – Forward Focus client 18 18

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“You have provided nourishment for our bodies through the pantry and nourishment for our souls through your kindness.”

- Chesed Center client

THE CLEVELAND CHESED CENTER The Chesed Center is more than a food bank – it provides monthly shopping for food, personal care and household necessities, weekly shopping for produce and other staples, gently used clothing and shoes for the whole family, furniture as available, and financial literacy education to further stabilize their clients’ financial solvency – all at no charge.

Over 450 families have been served since its inception, and 200 families are served monthly. The Chesed Center is a partner agency of the Greater Cleveland Food Bank and has improved the lives of thousands of community members.

Testimonials from clients provide a window into how the Chesed Center impacts individuals and families.

“You have been so supportive and kind and understanding and that means so much to me,” said one client. “You have provided nourishment for our bodies through the pantry and nourishment for our souls through your kindness.”

Both Forward Focus and the Chesed Center are prime examples of programs that are on the frontlines of assisting our most vulnerable community members and are made possible by the Federation’s Unrestricted Endowment Fund. The Endowment Fund was created in 1954 and has been supported with hundreds of Legacy gifts. These donors trusted the leaders of the Federation to be careful stewards of their generosity and use those resources for the highest good.

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HEBREW SHELTER HOME

Ensuring Support for Vulnerable Jewish Women and Children

H

ebrew Shelter Home (HSH) not only provides a safe haven for Jewish women and children, but also a warm Jewish home with Shabbat dinner every week. For women who have fled domestic violence or find themselves homeless for other reasons, HSH provides a big, warm community hug saying loudly, “you are not alone.” This important facility offers a supportive home for women and children in need at no cost. However, HSH requires substantial donor support on an annual basis to keep it going.

Lois Davis first learned about the HSH in 2003 when she was asked to contribute funds for improvements to the home at its former location. Before making the commitment, she asked to visit.

What she found there was upsetting to her – the home was in disrepair.

Disappointed in the conditions, but very impressed with Ginny Galili, then HSH Director, Lois expressed her hesitancy to give for the original purpose. Instead, she offered to make a more substantial gift if others could be inspired to join her in the effort to create a new, safer, more comfortable HSH. Several community members joined the effort and a newer, larger HSH was created. Once the home was completed, Lois started supporting it annually with substantial gifts that helped keep it warm and welcoming.

One year she donated the funds to create a playroom for the children, and the next, made it possible to renovate the resident manager’s suite.

Lois wanted to create a more permanent way to continue her support of the Hebrew Shelter Home to ensure that any Jewish woman in crisis would have a safe, Jewish place to go. Working with the Jewish Federation of Cleveland and JFSA, Lois established the

Lois J. and Larry Davis Endowment Fund of the Jewish Federation, which provides an annual distribution to support the home’s capital improvements and programming for families who are homeless and/or victims of domestic violence. Lois chose to honor her deceased husband, Larry, by including his name in the fund, which makes her feel great.

“In order to ensure the safety of the Hebrew Shelter Home, donors cannot visit, nor can they meet the recipients of the home’s services, making it difficult to spread the word about the needs and raise necessary funds,” Lois Davis said. Because she cannot meet the clients, Ginny, now Executive Director of Strengthening Families at JFSA, shares many stories of the clients’ successes with Lois.

The HSH’s current resident manager was herself a client several years ago. She came to HSH when she was on the brink of homelessness due to medical bills from having cancer. The support she received was beyond what she could have imagined, and once she was back on her feet, earning an income and living independently, she continued to give back to HSH donating food and other gifts to the residents. When a spot opened up for a residential manager, she gave it a try and is now employed in that position at the home. Her story is just one example of how HSH has turned lives around for the better.

Although the Davis Endowment Fund does not cover the entire HSH budget, it certainly lightens the burden on its staff for annual fundraising. This annual distribution, which should grow each year due to the invested principal, is something the HSH can count on every year in perpetuity.

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Lois & Larry z”l Davis

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“It is my responsibility and my privilege to give a gift that will endure long after I am gone. As my parents taught me, so do I hope that

this gift will inspire my family to carry on the value of tzedakah and to take care of our Jewish community for future generations.”

– Lois Davis

In 2018 alone Hebrew Shelter Home provided

1,591 nights of shelter to Jewish women and their children

4,773 home cooked kosher meals

Social services that help clients heal from trauma and begin to build safe and independent lives.

Emergency transitional housing 24 hours a day, 365 days a year.

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THE

Legacy Society

We thank and honor our living Legacy Society members who are creating their Jewish legacies by supporting the Federation’s endowments now or through their estate plans.

With your foresight, our traditions will remain bright for generations to come.

Anonymous (37)

Rand and Beth Curtiss

Phyllis Asquith Gary

Edith F. Hirsch

Tom Isaac and Abby Goulder Abelson

Bernice Sapirstein Davis+

Joan Gelb+

Michelle Hirsch+

Dan Abrams and Nan Cohen+

Lois Joan Davis+

Albert and Norma Geller+

Carol and Ken Hochman

Ken and Linda Dery

Stuart A. Gertman+

Reuven and Naomi Dessler

Myrna and Warren Gill

Amy and Stephen Hoffman+

Harlan Diamond

Sheldon and Lynda Gillinov

Jim and Nathalie Diener+

Adrienne Metz Goldberg and Philip N. Goldberg+

Sheldon and Terry Adelman+ Hedy and David Adler+ Joanie and Tom Adler+ Norman Adler+ Harold Agrast Karen B. Altschul+ Nate Arnold George and Roma Aronoff+

Mel and Wendy Dinner Stephen S. Douglass and Amy J. Rothenfeld Bob and Darlene Duvin+ Sheila Eckstein Larry Edelman Pepe and Mary Edelstein

Stephany and Jonathan Bass

Sibyl Eigner+

Jules and Fran Belkin+

Carol K. Eisenberg

Mike and Annie Belkin

Robert and Suzanne Englander

Nancy Wilkoff Bell+ Allan Bellin

Peggy Nathan Einstein

Natalie Epstein+

Linda Cortell Benjamin+

Sherry Stein Epstein

Dr. Brian and Nora Krasney Berman+

Marjorie Evans+ Harriet and Alfred Fader

David Biegel and Ronna Kaplan

Ralph Faigen

Louis and Jean Bloomfield+

Barry S. Feldman+

Richard J. Bogomolny and Patricia M. Kozerefski+

Gita Frankel

Michael and Susan Borstein+

Paul and Barbara Feinberg Joel and Ronna Fox Margaret Richards Frankel* Mitch and Sue Frankel+

Steven and Donna Borstein+

Samuel and Rina Frankel+

Beth Wain Brandon+

Earl R. and Barbara Corwin Franklin

Florence Brofman Jane C. Busch+ Lois L. Butler Viki and Marc Byrnes+ Marilyn Cagin+ Michael and Mimi Charnas Florence Chelm+ Reneé Chelm+ Shirley and James Chessin Victor and Ellen Cohn+ Bonnie and Michael Cole

Beatrice Franklin+

Toby and David A. Goldfinger+ Elise and Allan Goldner* Richard Goldsmith Alan Goldstine Bruce H. Goodman Henry and Lois Goodman+ Judith Goodman+ Susan and Bernard Goodman Francine M. Gordon+ Tamra F. Gould+ Joan Goulder Alvin Gray+ Roe Green+ Penny Greenberger+ Bob and Sally Gries+ Andrea Kanter Grodin Elaine Gross Joan and Alan Gross Shelley and Ronald Gross+ Toby Gross Charlotte and Armin Guggenheim Sheldon Guren Lisa Hacker*

Etty Hoffman+ Andrew and Debbie Hoffmann Lee Ann Holstein Richard Horvitz and Erica Hartman-Horvitz+ Susan and Robert Hurwitz+ Robert and Susan Immerman+ Lynda and Don Insul Ronnen Isakov and Lara Danziger Isakov+ Sally Weinberg Isenstadt Pamela and Scott Isquick Orry and Sheila Jacobs+ Judith M. Jacobson+ Dr. Jack W. Jaffe Barbara Bellin Janovitz Nina Josephs Suellen and Larry Kadis+ David and Gloria Kahan Julian and Etole Kahan+ Ida Kahn Amy and Ira Kaplan Andrea Katz*+ Dr. Richard A. and Roberta B. Katzman Family+ Jack and Judy Kaufman Lenore Golden Kessler Ita Klein

Harvey A. and Harriet D. Freiman+

Bill and Phyllis Hartstein

Jane Friedman+

Lynn and David Heiman*+

Mady Friedman+

Anita and William Heller+

Myrna z”l’ and Erwin Froman*+

Rebecca and J. David Heller

Beverly Gans+

Bruce Hennes

Lee Kohrman+

Brian K. Garson+

John E. and Laura P. Herman+

Sharon Koppelman Vivian Koppelman

Robert Hexter

Noreen KoppelmanGoldstein

Ann and Scott Garson John and Peggy Garson+

Lee and Dolores Hartzmark

Howard A. Kline+ Terri and Stuart Kline+ Malvina Klopman Maxine Koblenz+ Nancy and Rik Kohn

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Edward and Roslyn Kowit+

Jill Miller Zimon

Gordon and Evie Safran+

Lori Ellen Wald+

Milton A. and Charlotte R. Kramer Charitable Foundation

Stephen A. Monto+

Mary and Joseph Sanders

Renetta K. Waldman

Irv and Beryl Moore

Donald Sayre and Nancy R. Wurzel+

Ruth Warner

Richard Schanfarber

Muriel Weber

Joan and Byron Krantz Celine Krashin Gertrude Krause Larry and Barbara Kronick Gerald Kurland Dr. David M. Kushner and Rabbi Lucy Rebecca Kushner Dr. Irving and Enid Kushner Stephen Kushnick Sanford Kutash Elayne and Robert Kwait Marvin and Carol Lader+ Mark Landau+ Fran and Sidney Lasky+ Ellen and Jeffrey Leavitt Sharon and Jamie Lebovitz+ Jonathan Leebow Jane G. and Jordan R. Lefko Elin Leonard Allison and Les Levine Marcia Levine+ Walter Leyser Nancy and Keith Libman+ William and Sandra Lieberman Evelyn Lissauer Barry and Mary Livingston Irwin Lowenstein Lawrence Mack Milton and Tamar Maltz+ Mort and Barbara Mandel+ Cookie Marcus+ Greg and Shelley Milin Marcus+ Lois and Martin Marcus+ Jim and Kathe Mayer+ Donald and Barbara Meckler+ Stan and Bobby Meisel+ Elaine and Beno Michel M.D. Michael and Hedy Milgrom Barbara Rauch Miller David P. Miller Edith D. Miller+ Mary G. Miller

2019 [85 x 11] Legacy Magazine CORRECTED 1-22-19.indd 23

Allan and Marguerite Morris Paul and Sylvia Morrison

Elliott and Gail Schlang

Bonnie Myers

Kyla and Mitchell Schneider+

Hal and Nora Myers David and Helen Nagusky+ Marjorie E. Newman+ Iris November+ David B. Orlean Rita Orpett Lenore Oscar Edith Merlin Paller Bonnie Marks and Carol Paull+ Shari S. Perlmuter+ Kim Meisel Pesses and Paul Pesses+ Florence K Z pollack Julia and Larry Pollock+ Terry Pollack and Barbara Gross Jill Renee Pupa Elisa and Howard Rabb Leonard and Heddy Rabe Cathy Randall+ Hal and Cindy Reisenfeld+ Sylvia and Bob Reitman+ Sidney Rheuban Bob, Eleanor and Kathy Risman+ Roger and Lynn Ritvo Carol Rivchun+ Beth and Brian Robbins Rabbi Daniel Roberts and Elaine Rembrandt Marjorie Rosenbaum+ Enid and David Rosenberg+ Frank and Beth Rosenberg

Carol Schoenewald Diane and Harvey Scholnick + Barbara Schreibman Carol and Lawrence Schreibman+ Eleanor Schwartz*+ Bob and Anita Seidemann Jane and Lee G. Seidman+ Jessica and Alan Semel* Amy Sheon and Marvin Krislov Bradley and Elisabeth Sherman+ Charna E. Sherman Michael and Anita Siegal+ Harvey and Adrienne Siegel* Eileen Sill+

Gail and Ed Weintraub+ Annabelle Weiss Helene Weiss Judith Weiss+ Stanley E. and Sally H. Wertheim+ Marcia J. Wexberg Steven and Trudy Wiesenberger+ Danielle and Jeffrey Wild*+ Steven and Judy Willensky+ Abe and Idelle Wolf+ Carol F. and Michael L. Wolf Clifford and Linda Wolf Jane and James B. Wolf, Jr.+

Alan Silverman*

Elissa Wuliger*

Harriet Simon Sidney N. Simon+

Sandra and Timothy F. Wuliger+

The Simon Family Foundation+

Dara and Alan Yanowitz+ Donna Yanowitz+

Naomi and Ed Singer+

Iris and Jerry Zahler+

Marv and Judy Solganik*

Paula D. Zeisler+

Sydelle Spero

Dan and Ellen Zelman+

Barbara Spevack+

Ruth Zilber+

Karen Lipman Steiger+ Lenny and Karen Steiger Eleanor B. Steigman Terri and Howard Steindler Lorelei Stein-Sapir

Barbara and Alan Rosskamm*+

Harold and Ellen Ticktin+ Ronna Uhrman+

Betty Rosskamm+

Seth Uhrman

Robert and Margo Roth+

Lori Schor Ulanow

Jerry and Marcia Rothschild+

Dolores Urdang

Patty Rubin

Peggy Gries Wager+

Mark J. Sack

Steve and Penni Weinberg+

Anne Marie and Renny Wolfson+

Will and Jan Sukenik+

Peter and Aliki Rzepka+

Daniel Weidenthal*+

Dan K. Silverberg

Barbara S. Rosenthal

Susan Rubin+

Connie and Neil Waxman+

Kathy Urdang Mulcahy

* New member since January 2018 + Member of Endowment Book of Life We regret the omission of any names

Amy L. Wain* Norman Wain+

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Jack, Joseph and Morton Mandel Building 25701 Science Park Drive Cleveland, Ohio 44122-7302

SC F PO

F

ROLLOVER YOUR IRA FOR GOOD An IRA Charitable Rollover Gift: • Applies toward your annual required minimum distribution, or RMD, up to the amount of your distribution.

• Allows you to give from pre-tax assets and your distribution is excluded from taxable income.

• Simplifies the giving process. It’s easy to do — just notify your IRA custodian.

• Available to those 70½ or older.

To learn more about IRA Rollover, please contact Carol Wolf at cwolf@jcfcleve.org or 216-593-2805.

This material is presented for informative purposes only and should not be construed as legal, tax or financial advice.

When considering gift planning strategies and year-end gift opportunities, you should always consult with your own legal, tax or financial advisors.

The Jewish Federation of Cleveland (license # CH22328) is registered to solicit charitable donations within Florida and provides disclosure as required by Chapter 496 of the Florida Solicitation of Contributions Act as follows: “A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE (800-435-7352) WITHIN THE STATE OR BY VISITING WWW.800HELPFLA.COM. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL OR RECOMMENDATION BY THE STATE.”

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