Frank Stein and Paul S. May: Building a Legacy

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8Frank Stein and 1 Paul S. May: Building a Legacy

8Family Matters 2 Endowment Campaign: Our Strategic Plan

8In Memoriam 28Eva Lokey Ensured 4

That Families Get Help During Difficult Times

8Because of Their 6 Bequests, Future Generations Will Benefit

8Enjoy Stable, 8 Secure Payments for Life

Frank Stein understands what it’s like to grow up with hardship. So did his partner in life and business, the late Paul May. That’s why building their legacy through a bequest to support Jewish Family and Children’s Services resonates so deeply with Frank. He believes hard work is the key to his and Paul’s successes, but family guidance and tradition gave them the support they needed to be strong. The two saw JFCS as a place for families facing difficult challenges to seek that needed support. And, through their bequest, they want to inspire in others a tradition of supporting community.

Growing up in a poor but observant Jewish home in Brooklyn, Frank began working

THE JFCS PERMANENT ENDOWMENT FUND UPDATE

CONTINUED ON PAGE 3

Through a generous donation to Parent’s Place, Frank Stein honors the memory of his late partner Paul S. May andinspires others to leave their own legacy of compassion and community. Proposed new Frank Stein and Paul S. MayJewish Family and Children’s Services Building facade pictured above.

In MemoriamWe remember those endowment donors who have died since spring 2014. Their names will live on through their generous gifts to JFCS.Rosalie AnixterEdith ArrickRon CapeGeorge FernbacherOscar GarnerWilliam GreenPaul HoffmanCharles IzmirianErnest LampertMarvin LangsamElizabeth MillerMarc MonheimerLee PerlmanEsther RubinPaul SpitzIrving TapperJerrie WacholderBernard WerthPhyllis Zale

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Family Matters Endowment Campaign: Our Strategic Plan

This spring JFCS embarked on a strategic planning process for the next three years. Through the Program and Planning Committee, and other committees across the agency, we have taken a hard look at the programs JFCS offers to see where we need to deepen, broaden, or streamline services to help those most in need in our community. Our Development Committee has also looked at our priorities to make sure that we are raising the annual funds necessary to continue providing the highest level of support.

As we plan for the 2015-18 period we recognize the importance of building a strong endowment to ensure our enduring ability to offer homecare for seniors, services for children and adults with special needs, emergency services, and many other programs. Our goal is to raise $100 million by 2020 for our Family Matters Campaign. To date we have raised $58 million in realized and unrealized gifts. Our endowment makes it possible to face future uncertainty and challenges.

We are grateful to all who make legacy gifts to JFCS. This issue of Generations focuses on a few of the many individuals who have chosen to make a difference. We honor and celebrate those who have already demonstrated their enduring commitment to the well-being of our community, and we invite those who haven’t yet done so to join us!

Thank you for your support and caring.

Lynn Ganz Nancy GoldbergCo-Chair, Co-Chair, JFCS Endowment Committee JFCS Endowment Committee

P.S. If you have made JFCS a beneficiary in your will or trust, we encourage you to sign a Letter of Intent. Contact Barbara Farber at 415-449-3858 or BarbaraF@jfcs.org for any planning advice regarding Named Funds, Donor Advised Funds, Charitable Gift Annuities, Charitable Trusts, or Bequests.

hard at an early age to succeed in both school and business. By the time he was a young adult, he was ascending the corporate ladder in retail management at a major department store in New York. Fortuitously, Paul, who fled Nazi Germany as a young child with his family, was working on a parallel track at the same Manhattan retailer. When they met, it was like beshert, destiny. In addition to their common backgrounds and professional interests, they shared a similar trait: personal drive.

“We were young, persistent, and ambitious,” recalls Frank. The men caught the attention of executive management at the

Manhattan retailer where they worked. But they had other ideas: going into business for themselves. They relocated to California and began selling hotel supplies—towels, soap, and bedding—to innkeepers across the western states.

“Paul and I staked out our own territories and would be on the road all week, selling items out of our cars,” Frank recounts. “Many times the hotel managers would show us to the door, but we kept coming back—and we ultimately opened many new accounts.”

It wasn’t long before the men opened their own showroom in South San Francisco, which was a smashing success. “Paul was always on the floor, helping customers,” Frank says. “No job was too big or small for us.”

With hopes of building upon the success of their business, Frank and Paul were soon investing in commercial real

estate. As they began to enjoy the fruits of their labors, they resolved to give back to their communities. Philanthropy had always played an important part in their lives, Frank says. “Even though I grew up poor,” he notes, “we always had a pushke—a tzedakah box—at home.” Paul’s charitable giving stemmed from his profound gratitude to

the American Jewish

community, particularly the family that sponsored his when they came over from Germany. Both agreed they wanted to leave a legacy that would inspire others to strive for success.

Over many decades Frank and Paul became known throughout the Bay Area for their generous support of medical research and the arts. Both had close family members suffer from pancreatic cancer, and they wanted to help others avert the same pain. But the couple also demonstrated their commitment to their heritage through gifts to major Bay Area Jewish institutions, including JFCS. After Paul died of leukemia in September 2013, Frank decided to honor his memory through a significant giving opportunity at JFCS’ Parents Place in San Francisco. “We have always given back,” says Frank, “and JFCS is such an outstanding organization. They do so much good for families, seniors, and children.”

“We deeply appreciate this legacy gift from Frank Stein and the late Paul May,” says Dr. Anita Friedman, JFCS’ executive director. “They are allowing us to continue our good work on behalf of thousands of Bay Area families and children in need of expert clinical and consultative services. Theirs is a gift that will have a positive impact for decades to come.” H

8FRANK STEIN AND PAUL S. MAY LEGACY

Frank Stein and Paul S. May: Building a Legacy CONTINUED FROM COVER

A G I F T T H A T W I L L H A V E A P O S I T I V E I M P A C T F O R D E C A D E S T O C O M E .

3Frank Stein and Paul S. May

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When she made her first donation to JFCS decades ago, she encouraged us to “Think Big”—writing those exact words on the letter she sent in with her check for $5,000. As Eva’s daughters, Ann Lokey and Miriam Khalsa, attest, their mother was a big thinker herself. “She gave a lot of thought to things,” recalls Miriam. “She thought about what her life could mean in a positive way, and she worked to achieve it.”

One of the first major donors to JFCS, she created the Eva Chernov Lokey Endowment Fund in 1991 in order to make a significant impact. She had just gone through a divorce and she recognized the need for families to have access to emergency funding and counseling during tumultuous times. Through the fund she wanted to ensure that children would receive guidance and support when there’s a divorce, a parent loses a job, or the child has trouble coping with the demands of our complex world.

“Her bequest will help children and families who are struggling with life’s challenges today and for generations to come,” says Dr. Anita Friedman, executive director of JFCS.

Eva’s interest in JFCS initially stemmed from her Jewish roots. Raised Orthodox by her Russian immigrant parents in a tight-knit community in Vancouver, British Columbia, she

Eva Lokey Ensured That Families Get Help During Difficult Times

8EVA CHERNOV LOKEY ENDOWMENT FUND

Eva Lokey (above) established the

Eva Chernov Lokey Endowment Fund in

1991; her philanthropy influenced her daughters,

Ann and Miriam (right).

Eva Lokey was a quiet, modest woman who did

not make a fuss, but the ripples she created from

her generous giving will be felt by thousands of

people throughout the Bay Area—and beyond—for

many generations.

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Eva Lokey Ensured That Families Get Help During Difficult Times

8EVA CHERNOV LOKEY ENDOWMENT FUND

A D E T E R M I N A T I O N T O M A K E T H E W O R L D A B E T T E R P L A C E .

honored Judaism, family, and education most in life. She even kept an extensive Judaica collection on display at home.

These core values and a determination to make the world a better place would inform her philanthropy throughout her lifetime. She was president of her local Hadassah chapter and

volunteered through JFCS to help emigre families learn English.

She raised her children on the Peninsula, where she instilled in them both Jewish tradition and the importance of caring for others. The family attended Peninsula Temple Sholom in Burlingame and Peninsula Temple Beth El in San Mateo and gathered for Shabbat dinner every

Friday night. “I remember being taught that you always can give, no matter how little you may have, because there is always someone with even less. When I was a child, my parents almost always made their donations anonymously which still resonates with me and my style of giving today,” says Ann.

A former teacher of speech communications who attended college in Vancouver and San Francisco, Eva used her skills to link Jewish leaders to educational programs. She brought the brightest minds in Judaic scholarship together with fresh approaches to create innovative programs for both seniors and youth groups through day schools and synagogues.

Petite and soft-spoken, Eva is often described as having exuded a quiet dignity. “She was a really good listener. She said very little but led you in the right direction,” says Ann. It was with quiet dignity that she supported the people around her. Whether she was helping friends and family with college tuition or inviting her emigre students over for Passover, she did so with a subtlety and gracefulness that left an impression on all who befriended her. H

Eva Lokey’s bequest will help families overcome life’s challenges for generations to come.

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Bequest Commitments

ROLAND TREGO ANDBERNIE KATZMANNKEEPING JFCS AT THE FOREFRONT

Raised in Johannesburg, South Africa by European-Jewish immigrant parents who sent him to Hebrew School, Bernie Katzmann to this day keeps a kosher home with his partner of 32 years, Roland Trego.

His father migrated from Germany to South Africa in 1937; his mother came from Latvia. Growing up, Bernie learned the importance of philanthropy from his parents who gave to two local senior homes.

After Bernie attended medical school, he immigrated to the United States and did his residency at Boston University. He moved to San Francisco in 1981 to practice medicine and saw how JFCS was at the forefront of helping clients with HIV.

Bernie eventually transitioned to a career in real estate in 1988. He also met Roland (the two were married at City Hall in 2013 by their friend, Supervisor Scott Wiener) and kept apprised of JFCS’ progress. “I really liked the broad work JFCS was doing not only for the Jewish community but for the community at large, too,” he explained.

Bernie and Roland have decided on a generous bequest to JFCS. They also opened a Donor Advised Fund this year. Thanks to their contributions, JFCS is better able to stay at the forefront of providing community services.

GLORIA HOLLANDER LYONCOMMITTED TO HOLOCAUST EDUCATION

Gloria experienced a vibrant Jewish life in a large Orthodox family while growing up in a village on the shifting border of Czechoslovakia and Hungary. When the Nazis came in, the family was transported in a cattle car to Auschwitz.

Amazingly, Gloria and most of her family survived. In the oral history she recorded for the JFCS Holocaust Center, she recounts her harrowing journey through seven concentration camps until her rescue by the Swedish Red Cross five days before the end of the war.

Gloria was one of the first people in the Bay Area to speak about the atrocities of the Nazis, and she began sharing her personal experiences in 1977 after she saw a pamphlet denying the Holocaust. “I couldn’t rest unless I told my story; we need to teach the world what went on. The Holocaust can happen again, anywhere, anytime, and to any person,” she said.

In the 1980s she served on the Holocaust Center of Northern California’s board for seven years and was instrumental in establishing the first Holocaust Survivor Speakers Bureau. She also worked to include Holocaust education in California’s public schools.

To this day Gloria continues to serve on the Speakers Bureau (now part of JFCS’ Holocaust Center), as well as working with youth through our Next Chapter program. Her bequest to the center will eventually help JFCS continue to teach the lessons of the Holocaust to future generations.

PAUL AND VALERIE CRANE DORFMANAMBASSADORS OF GOOD WORK

Since 2002 Paul Crane Dorfman has been on a leadership track with JFCS. That was the year he and his new bride, Valerie, made a major contribution in honor of their wedding. The couple also requested that guests direct donations to JFCS in lieu of presents.

A tour of the Rhoda Goldman Center in 2003 prompted Paul’s involvement with JFCS’ San Francisco Tzedakah Committee, followed by six years of board service. “I was impressed that the programs were so well run,” he said.

Married under a chupah in Grace Cathedral, where his wife volunteers, Paul values interfaith dialogue and was the first board member to recruit JFCS’ first non-Jewish board member. “It’s critical that JFCS serves everyone,” he says as he points out that the agency has been there for his friends of other faiths.

A native of Chicago’s north shore who earned a degree in economics from Princeton and a law degree from Yale, Paul moved out west and embarked on a career in international banking. He met Valerie through work and bonded with her efforts to help others.

Through his energetic ambassadorship of JFCS’ programs, he has cultivated many new supporters. In 2011 Paul and Valerie committed to a bequest to JFCS. Of his service Paul explained, “The deep commitment to repairing the world is so fundamental in Judaism. It is part of who we are.”

THEY COME FROM DIFFERENT WALKS OF LIFE, BUT THEY SHARE ONE COMMON INTENTION: TO CREATE A STRONGER AND BETTER COMMUNITY FOR THOSE WHO FOLLOW. WE CELEBRATE THOSE WHO HAVE DIED AND THOSE IN OUR MIDST WHO CONTINUE TO DO GOOD WORKS.

8BECAUSE OF THEIR BEQUESTS, FUTURE GENERATIONS WILL BENEFIT

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Bequests That Honor Their Memories

GEORGE FERNBACHER PUTTING FAMILY AND COMMUNITY FIRST

Because George Fernbacher lost his father and brother within months of each other—when he was a 19-year-old student attending the University of California, Berkeley—he spent the rest of his life cherishing his wife, their four children, and six grandchildren.

He married the love of his life, Barbara, in 1952, shortly after graduating from Berkeley’s business school. Working in sales for The Emporium in San Francisco and later setting up his own business in Emeryville, he devoted his free time to his wife and children. “Family was everything to him,” said his son, John Fernbacher, “but his idea of family encompassed more than blood relations.”

To George, who died last April at 84, “family” also included his synagogue family at Marin County’s Congregation Rodef Sholom, where he was a longtime member and coached the basketball team. It also extended to Jewish Family and Children’s Services, to which he was a loyal donor, leaving a generous bequest.

“My dad was not a lavish guy,” continued John. “He drove an old station wagon around Marin County, carpooling us kids to and from school and sports practice, and he had very simple tastes.” But what he was exuberant about was his community—his family and friends. He cared about them deeply and bent over backwards to help them.

ADELE PERLMANPERPETUALLY PROVIDING FOR SENIORS

Because Adele Perlman was able to live out her golden years independently, she wanted to give back to seniors in her community so that they could do the same. She also wanted to make sure she provided financial security for her sons, Lee and Michael.

Before Adele passed away in 1998 she created the Perlman Endowment Fund to provide assistance to elderly Peninsula residents in need. The widow of Alfred Perlman (aka “Mr. Railroad” for his work as a top executive with Penn Central, New York Central, and Denver & Rio Grande), Adele worked out an estate plan with her attorney. By establishing two Charitable Remainder Trusts through the JFCS Permanent Endowment Fund to benefit each of her sons, she provided for them during their lifetimes while simultaneously helping her community through the annual distributions from her Named Fund.

JFCS is grateful for Adele Perlman’s foresight and generosity and pays tribute to Lee, who passed away on March 5, 2015 in Ashland, Oregon. Through the Perlman endowed fund and Lee’s trust’s residual value, JFCS’ ability to continue to provide seniors with critical services such as short-term home care is ensured far into the future.

WILLIAM AND JOYCE REMAKHONORING THEIR HERITAGE

Joyce Remak (née Ursel Mosenthal) lost everything to the Nazis, but she considered herself one of the lucky ones. Her father’s hardware supply business was seized on Kristallnacht, November 9, 1938, and her father was taken to the Buchenwald concentration camp. Once he signed over all of the family’s property he was released, and the family used what little they had left to escape Germany.

The Kindertransport helped Joyce and her brother, Hans, get to England, and her parents, William and Anne, followed. Eventually the family was able to immigrate to the United States. Joyce settled in California after visiting on vacation in 1954. She fell in love with Sausalito and then Bill, who had also fled Nazi Germany. They married and became intimately involved with local politics and art.

When the Remaks received restitution money from the German government from the sale of the Mosenthal property, they used the proceeds to establish the Remak-Mosenthal Endowment Fund in 1995 in loving memory of Joyce’s parents. Upon making the donation Joyce told JFCS, “We have no children. This way the money can do some good and help people who really need it.”

Bill died in 2005 and Joyce in the fall of 2013. However, their spirit of giving lives on through their endowed fund and the proceeds from the Remaks’ trust, which have been generously directed to JFCS.

THEY COME FROM DIFFERENT WALKS OF LIFE, BUT THEY SHARE ONE COMMON INTENTION: TO CREATE A STRONGER AND BETTER COMMUNITY FOR THOSE WHO FOLLOW. WE CELEBRATE THOSE WHO HAVE DIED AND THOSE IN OUR MIDST WHO CONTINUE TO DO GOOD WORKS.

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Enjoy Stable, Secure Payments for LifeCharitable giving doesn’t have to be a one-way proposition. It is possible to make a generous gift and receive a stream of payments to you and/or a loved one—all while enjoying valuable tax benefits. Life income gifts such as a Charitable Gift Annuity (CGA) or a Charitable Remainder Trust (CRT) are gifts that pay you back and provide for our collective future.

Charitable Gift Annuities are established through a simple contract and a gift of $10,000 or more to JFCS. In return, you receive a tax deduction in the year that you make the gift and quarterly income payments which are partially tax-free for the rest of your life. At termination of the annuity the remainder passes to JFCS.

Charitable Remainder Trusts offer income for you or a loved one for life or a term of years, with the remainder transferred to JFCS upon termination of the trust. Assets that have substantially appreciated in value but are providing a low return are well-suited as gifts. You may avoid capital gains taxes, lower your income taxes, and earn higher returns with a Charitable Remainder Trust.

8JFCS PERMANENT ENDOWMENT FUND

ANNUITANT’S AGE ANNUITY RATE*

65 4.7% 70 5.1% 75 5.8% 80 6.8% 85 7.8% 90+ 9%

*Two-life rates are also available. Younger donors may consider deferred gift annuities as a retirement planning option.

*Rates are even higher after tax savings. Rates as of 4/30/15.

JFCS gift-planning professionals are happy to work with you to determine if a CGA or CRT is right for you. We provide a personalized and confidential illustration of your payout rates and tax advantages, with no obligation on your part. To learn more contact: Barbara Farber, Director, JFCS Permanent Endowment Fund, at415-449-3858 or BarbaraF@jfcs.org.

JFCS BOARD OF DIRECTORS PRESIDENTSusan KolbVICE PRESIDENTSIan H. AltmanScott C. KayJames ShapiroMarina TikhmanTREASURERRichard SegalVICE TREASURERDouglas A. WinthropSECRETARYLuba TroyanovskyDIRECTORSJoseph AloufLisa BardinTammy CrownMarci Dollinger David DossetterMarc FagelRob FramNancy GoldbergDeborah HoffmanAlex IngersollMichael JanisDavid KremerKerri LehmannJan Maisel, MDMark MenellJoyce NewstatJohn F. SampsonLela Sarnat, PhDAnn SchillingZoe SchwartzMiriam SparrowStephen SwireRobert TandlerEXECUTIVE DIRECTORDr. Anita FriedmanENDOWMENT COMMITTEECO-CHAIRSLynn GanzNancy GoldbergCarole BreenHarry CohnPaul Crane DorfmanNancy EpsteinDeborah HoffmanJudy HuretAlex IngersollMichael J. KaplanSusan KolbSiesel MaibachDaryl MessingerDr. Raquel NewmanCindy Gilman RedburnJoyce RifkindAlison RossJohn F. SampsonLela Sarnat, PhDHarvey SchlossStephen J. SchwartzVera SteinBonnie Tenenbaum, PhDLuba Troyanovsky JFCS PERMANENT ENDOWMENT FUNDBarbara Farber, DirectorDESIGN: SF Art Department JEWISH FAMILY AND CHILDREN’S SERVICES of San Francisco, the Peninsula, Marin and Sonoma Counties2150 Post Street P.O. Box 159004San Francisco, CA 94115415-449-1200

www.jfcs.org