Family Honors Ralph's Love for People and Pets

Benny, the dog

Ralph Lowenbaum’s beloved companion, Benny, inspired Barbara Lowenbaum to establish a fund for animals at HSMO.

Ralph Lowenbaum loved people—almost as much as he loved his faithful canine companion, Benny. This love of people and pets made it easy for Barbara Lowenbaum, Ralph's wife of more than six decades, to honor Ralph's life by establishing the Lowenbaum Pets for Seniors Fund at the Humane Society of Missouri.

HSMO's adoption fees are established to cover part of the investment HSMO makes in each animal, including spaying/neutering, microchipping, vaccinations and treatment of any existing medical condition. On average, HSMO adoption fees cover less than half the total investment that HSMO makes in each animal. Still, for seniors, often on limited incomes, adoption fees can be significant.

When Ralph died unexpectedly, Barbara knew the best way to celebrate his legacy was to make animal adoptions by senior citizens more accessible. The Lowenbaum Pets for Seniors Fund offers discounts to senior citizens on certain pets. Details on the program can be found at HSMO's three companion animal centers (Macklind Avenue, the Kuehner Center in Chesterfield Valley and Maryland Heights).

Barbara and her family and friends provided the first infusion of funding for the Lowenbaum Pets for Seniors Fund. The Lowenbaum family continues to support the fund, and encourages others to join them. It's a fitting way to honor not only Ralph, but all animals in need of loving, human companionship.

Invest in Changed Lives

You, too, can make a difference in the lives of senior citizens and animals by making a tax-deductible contribution to the Lowenbaum Pets for Seniors Fund. To learn about including HSMO in your future plans, please contact Tim Henry at 314-951-1584 or thenry@hsmo.org.

A charitable bequest is one or two sentences in your will or living trust that leave to Humane Society of Missouri a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

"I give to Humane Society of Missouri, a nonprofit corporation currently located at 1201 Macklind Avenue, St. Louis, Missouri 63110, or its successor thereto, ______________* [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to HSMO or other charities. You cannot direct the gifts.

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Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

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You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to HSMO as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to HSMO as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and HSMO where you agree to make a gift to HSMO and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

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