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EPQ Test

What's Your EPQ (Estate Planning Quotient)?


1)    If you die without a will or living trust, who decides what happens to your money?

       a)  The U.S. government

       b)  Your state government

       c)  Your oldest relative


2)    A living trust can save estate taxes that a will cannot.

       a)  True

       b)  False


3)    Life insurance and retirement plans should be considered as part of your estate plan.

       a)  True

       b)  False


4)    Can Five Acres benefit from your good intentions if you die before making a will or living trust that includes Five Acres as a beneficiary?

       a)  Yes

       b)  No


For more information about planned giving, please contact Cynthia Nickell, at (626) 798-6793 or email her at: cnickell@5acres.org.  Results of the E.P.Q. test are:





1)    b.  State law determines who inherits through the law of intestacy.


2)    b.  False. Both a will and a living trust can save taxes.  A living trust also allows your estate to avoid probate, which can be costly. A living trust provides other benefits but not necessarily tax savings.


3)    a. True  These are ideal means for providing charitable gifts with significant tax savings.


4)    b.  No. That's why it's important to act on your intentions now.


“Where’s Scott?”

Debi and Scott Kroman's Story:

The young girls in Lark Cottage eagerly anticipate the monthly evenings with their Special Angels of the Five Acres Children’s Guild.  Debi Kroman wanted to share the experience with her husband Scott but needed to figure out how to entice him to join this group of women.

Debi and Scott are successful professionals whose parents “came from nothing” in Kansas and Europe.  They share solid values and high principles that were passed on by two very different heritages.  The Kormans consider themselves fortunate and want to pass on to the Lark girls the guidance and help they know is crucial.  Debi says, “When you look at our society, you see that life isn’t as simple anymore.  It is not as easy for kids.”  

Without children of their own, Debi and Scott decided to become involved in the lives of children who live in their own community of Altadena.  Debi became a “special friend” to one of Five Acres’ boys but found dealing with separation when he moved on after two years emotionally difficult.  When one of Debi’s clients suggested she join the Guild, she knew she’d found the ideal way to “give back.”   

Scott agreed to come to the Guild’s annual summer barbecue for the Lark girls and “flip the burgers.”  The girls eyed him warily at first but soon decided they liked having a man around the house.  So much so that at the next Guild gathering the girls asked, “Where’s Scott?”  He’s been a regular ever since.

When asked, “Why Five Acres?” Debi and Scott agree that observing up close how their donations are used, the stability of staff who stay for decades, and the stories of “hopeless” cases turning into successes confirm that there’s no better place for them to invest their time and resources.

Debi and Scott have wisely created an estate plan that relieves their families of difficult end-of-life decisions and also ensures that their legacy at Five Acres will live on. 

For information about how you can provide for your loved ones as well as the causes you care about, please contact Cynthia Nickell at (626) 798-6793 Ext. 2250 or email her.