SCCAD Says Farewell To Four FriendsOn August 29, St. Charles County Ambulance District bid a fond farewell to four long-time Paramedics who have seen the District evolve substantially during their combined 90+ years of service. Blaise Felder (27 years), Chris Niebruegge (25 years), Laurie Hill (23 years) and Todd Brown (17 years) will be greatly missed, and we wish them the best for retirement!

SCCADNew Transfer Division Paramedics

August not only brought the heat and humidity for which St. Louis is infamious, but also an awesome new group of Transfer Division Paramedics, who have already completed orientation and are learning the ropes on our non-emergency ambulances. Several SCCAD Paramedic Program graduates are in the group, and we’re thrilled to welcome the group of eleven to our team!

Please join us in giving a warm welcome to Tiffany Barr, Drew Brockelmann, Josh Buehrig, Danielle Carroll, Brandon Hogan, Amber Johnson, Morgan Luter, Jennifer Martin-Huighe, Lauren McClure, Ryan Nadler and John Rains.

Part-Time Transfer Paramedics ‘Stack Up’ Great

Danielle

Ryan

Jennifer

Lauren

Tiffany

Josh

Drew

Morgan

John

Amber

Brandon

Ice Bucket ChallengeTakes SCCAD By Storm;Raises $1,500 For ALSIn mid-August, the ALS Ice Bucket Challenge took over everyone’s Facebook News Feed seemingly overnight. Everywhere you looked, friends and family members were pouring buckets of freezing water over their heads in the name of Amyotrophic Lateral Sclerosis (ALS). The challenge is simple - donate $100 to the ALS Association, or take the plunge to bring awareness to the disease and make a smaller contribution. Regardless of whether you opt for the frigid bath or the larger contribution, you in turn get to nominate three addi-tional individuals to take the challenge, each of whom have 24 hours to act.

Within days, entire organizations were getting in on the fun. SCCAD was first challenged by O’Fallon Fire Protection District. Paramedic Todd Ferring took the lead, organizing not only a coordinated ‘pour’, but a major fundraising effort as well. SCCAD employees were more than up to the challenge, contributing $1,500 to the association for research!

Because we didnt meet the 24-hour goal, Todd braved the cold and got doused!

Monthly Totals Annual Totals

Medic July-14 July-13 2014 2013

1 108 126 876 862 2 168 176 1220 1234 3 202 221 1307 1345 4 181 179 1142 1143 5 155 166 1172 1070

205 167 165 1184 1068 6 178 148 1218 1083 7 124 116 901 883 8 165 155 1205 1156

208 0 0 7 55 9 132 129 1034 987

14 172 115 1017 860 15 123 171 1166 988

215 123 171 598 842 17 115 100 685 662 30 53 53 315 289

703 79 104 536 642 804 89 98 573 618 715 83 107 532 614 815 79 82 536 622 821 87 81 592 594 822 82 80 602 529

Other 9 8 35 71

June Property Cost Report

Base / Building July-14 Cost

1 100.48 2 984.00 3 804.95 4 1681.56 5 1472.31 6 1283.97 7 1200.80 8 1157.32 9 1424.45 10 909.35 14 979.98 15 1014.01 17 1064.42 30 920.45 20 172.01 40 397.13 HQ 4951.23

Training 792.54 Maintenance 1883.29

July Fuel Consumption

Business Breakdown

Truck Number

July-14 Usage (gal.)

Chief 11.78

Spcl Ops 18.88

Ops Coord 86.41

Shift Off 0

PIO 32.50

South Sup 257.93

West Sup 238.94

East Sup 244.83

Lead 18.63

9611 22.59

9612 11.72

9619 0

9620 213.03

9621 0

9623 253.30

9625 316.39

9626 0

9627 157.06

9628 347.29

9629 157.83

9630 283.99

9631 352.00

9633 0

9636 152.12

9637 273.67

9638 281.25

9639 157.85

9640 484.37

9641 247.53

9642 229.95

9644 124.21

Truck Number

July-14 Usage (gal.)

9645 253.83

9346 203.44

9347 288.67

9648 233.87

9649 347.19

9650 232.46

9651 265.72

9670 0

9671 13.68

9672 169.58

9673 0

9674 0

9675 59.90

9676 24.44

9678 56.96

Prop Mgr 109.76

Maint Van 101.84 Maint Truck

77.50

Porter 0

Porter Van 86.75

Prtr. Truck 49.58

Veh Tech 0

Veh Tech 0 9690 –

Trng. Trk. 0

9691 – Trng. SUV

7.89

9697 – USAR tow

0

9698 – Adm. SUV

18.94

July Overall Call Summary

2014 2013 Variance Transports 1,948 1,942 +0.3% Non-Transports 359 300 +19.7% Other (disregard, etc.) 452 484 -6.6% TOTALS 2,759 2,726 +1.2%

Year To Date Overall Summary

2014 2013 Variance Transports 13,449 13,520 -0.5% Non-Transports 2,243 2,077 +8.0% Other (disregard, etc.) 3,296 3,168 +4.0% TOTALS 18,988 18,765 +1.2%

Oh, Baby!SCCAD Families welcome new additions

Jennifer & Kyle Longinette welcomed daughter Claire Elizabeth on July 3.

On August 9, Beau & Amy Lewis were joined by daughter Samantha Ann.

Ramona & Jeremy Leiling welcomed daughter Margo on August 14.

On August 17, Ned & Amanda Dolan were joined by son Landon.

Blake & Brianna Gabbard welcomed son Eli Cash on August 21.

For many investors, a large percentage of their assets are held in tax-advantaged accounts such as 401(k)s and IRAs. While these accounts can be ideal for sheltering retirement savings from taxes pre- and post-retirement, because these assets are included in the account holder's gross estate, they can be highly exposed to tax issues in an estate if managed improperly. In short, the combined estate and income taxes owed by beneficiaries could potentially erode the lion's share of the value of these assets.

Proper Naming of BeneficiariesMany problems that arise when transferring retirement plan assets occur around the naming of beneficiaries. Consider these tips to help avoid problems in this area:•Be sure to have a named beneficiary. Naming the account holder's estate as the beneficiary will trigger the "five-year rule," which states that retirement plan assets must be paid out immediately or by the end of the five years following the account holder's death.•Review and update beneficiary designations. Life situations change frequently and those changes can affect your benefi-ciary designations. For example, many times after a divorce, participants forget to update their beneficiary designations.•Make sure one or more contingent beneficiaries are named. Without contingent beneficiaries you may face the same consequence as not naming a beneficiary at all -- particularly when a primary beneficiary is no longer living.

Spousal vs. Non-Spousal BeneficiariesRetirement plan assets that pass to a surviving spouse may qualify for the unlimited estate tax marital deduction, whereas retirement plan assets that a non-spouse beneficiary inherits may be subject to estate tax upon the account holder's death.In addition, after the account holder's death, the surviving spouse may roll over retirement plan assets to an IRA in his or her own name or elect to treat the retirement plan as his or her own. If the spouse chooses the latter option, he or she may defer taking required minimum distributions (RMDs) until he or she turns age 70½ -- a distinct advantage from an asset accumulation and taxation perspective.A surviving spouse may also "disclaim" -- or refuse -- his or her interest in an IRA. Once disclaimed, the spouse will not receive any interest in the retirement plan and it will pass to contingent beneficiaries (typically children or grandchildren). Distributions to the contingent beneficiaries must then be made under the RMD rules that apply to non-spouse beneficia-ries.Tips for Non-Spouse Beneficiaries•Unlike a surviving spouse rollover, an IRA inherited by a non-spousal beneficiary must remain in the name of the deceased account holder.•Any distribution to a non-spouse beneficiary is a taxable event. Therefore, any check delivered by the deceased's retire-ment plan trustee should be made payable directly to the inherited IRA custodian or trustee.•A non-spouse beneficiary must begin taking RMDs from the inherited IRA by December 31 of the year following the year of the account holder's death.

Other ConsiderationsOther strategies to help make qualified retirement plan assets more tax efficient include:The Stretch IRA -- A distribution strategy that can extend the tax-deferred status of IRA assets across multiple generations. The strategy aims to avoid large distributions and allows only RMDs to occur for as long as possible.Retirement Plan Trust or IRA Trust -- These instruments allow for the stretching out of distributions combined with the bene-fits and protections of trusts.Charitable Remainder Trust -- This type of trust may be named as beneficiary of a retirement plan in order to obtain an estate tax deduction. The trust will provide income to the non-charitable beneficiary -- usually the surviving spouse -- during his or her lifetime, and will distribute remaining assets to the charity at the spouse's death.An Irrevocable Life Insurance Trust -- If the retirement assets are not needed, using after-tax withdrawals from the retire-ment plan to purchase life insurance owned by the life insurance trust can be a strategy that transforms a twice-taxed asset into a tax-free one.This article offers only an outline; it is not a definitive guide to all possible consequences and tax implications of any strate-gy. For this reason, be sure to seek advice from knowledgeable legal, tax, and financial professionals.

© 2014 Wealth Management Systems Inc. All rights reserved.Registered Representative, Securities offered through Cambridge Investment Research, Inc., a

Broker/Dealer, Member FINRA/SIPC.Investment Advisor Representative, advisory services offered through Retirement Plan Advisors, a

Registered Investment Advisor.Cambridge and Retirement Plan Advisors are not affiliated.

Tips For Minimizing The Tax Bite On Retirement Assets

District AnniversariesSara Stewart 30 yearsPat Galkowski 24 yearsRuss Allen 23 yearsJim Sawicki 23 yearsRick Smotherman 23 yearsCindy Dahm 16 yearsRosalba Cirami 9 yearsAmy Koeninger 9 yearsJennifer Longinette 9 yearsKelly Maull 9 yearsLori Sizer 9 yearsPatrick Slape 9 yearsAaron Carbutt 8 yearsMike Hall 8 yearsHeather Schoppenhorst 8 yearsAndrew Bone 6 yearsKim Meyer 6 yearsAshley Smith 6 yearsDeb Neville 2 years

September BirthdaysRyan Nadler September 2Donna Hopen September 3Brad Ermeling September 3Sharon Holtgraewe September 5Bill Norris September 6Jeff Hinkebein September 7Steve Neyens September 8Jen Vesely September 11Matt Schafer September 14Rick Pender September 14Steve Borgmann September 25Donna Baker September 29

Mercy Brings Trauma Care ConferenceTo St. Charles County This month, SCCAD Paramedics and other healthcare professionals will have an opportunity to earn continuing educa-tion credits right in their own backyard. On September 23, Mercy Hospital St. Louis will bring their 27th Annual Trauma Care Conference to the St. Peters Cultural Arts Centre (city hall). Paramedics will receive 9.6 continuing education units for attending the conference.

Conference objectives include: community impact from citizen misuse of drugs, Community Paramedics in trauma care, hospital preparation for active shooters, hos the EMS Field Bill could impact community healthcare in Missouri, resource availability for rural vs. metropolitan-based disasters, mechanism of injury for pediatric closed head injury, and much more.

Registration for the conference is just $35, and includes lunch. You may register online at www.mercy.net.