Now’s the Time to Walk In Their Shoes

Now’s the Time to Walk In Their Shoes

More than six million people in the United States are affected by dementia and this number is growing quickly. With this notable rise, Sagepoint Senior Living Services has been working hard to help spread awareness of the needs and challenges of people with dementia and other cognitive diseases. One of the ways Sagepoint does this is by hosting a “Walk In Their Shoes” event that walked board members and others in the community through a small glimpse of the challenges of dementia.

This was accomplished by our team explaining how our memory care service offers a nurturing, home-like environment that sets a new standard of care for people with memory loss. We went on to further describe how our team listens, watches and learns to tailor individual programs for each resident and deliver our professional care and services with a personal touch.

“Sagepoint has hosted the dementia experience for other community organizations like the Rotary Club of La Plata and Leadership Southern Maryland. “We feel it is important to educate caregivers and family members on dementia and other cognitive issues.” says Denise McCann, Sagepoint’s Chief Nursing Officer. “Empowering them with knowledge and resources gives the extended caregivers tools to navigate care.”

While we work towards accomplishing this mission of spreading dementia awareness, you can help us by donating to our “Remember These Moments” campaign. With your donation, you are helping those affected by dementia, and members of our community have access to resources needed to care for their loved one. We could not provide care and educate the community without your help, so please consider donating today.

Remember These Moments

We all have special moments that live in our hearts. The first time meeting your best friend. Saying I do. Watching your granddaughter receive her diploma. We remember these moments because they bring us so much joy, help us stay forever young and keep us connected to loved ones passed. 


These moments are magical, and they’re worth more than gold. But for too many in our community, these moments are slipping away. There are currently 13.5 million people living with dementia in the U.S. In Maryland, the number of people with Alzheimer’s is expected to increase by nearly 20% in the coming years. 


As 2022 comes to an end, we are asking you to please donate and support our year-end fundraising campaign, “Remember These Moments.” The focus of this campaign is to raise funds to help grow awareness of dementia and Alzheimer’s and the effects it has on the person, the family and the community as a whole. However, we believe it to also be important to know who you’ll be directly supporting with your donation and how much it means.


 Valerie Neal and Annette Miles are sisters who wanted their mother to stay at home as long as she could but knew they needed professional care to help with her dementia. Having a previous connection to Sagepoint due to one of their sisters being a longtime employee, Valerie and Annette trusted Sagepoint to take care of her mother and found the staff treated her with respect and “were very personable with great people skills”. The sisters also noted how much calmer she has been since being a part of our memory care residence and praised our organization as being outstanding. This is just one of many stories that demonstrate Sagepoint’s commitment to helping those who need us in a caring and compassionate way. 


By donating to this campaign, you’ll be helping people like Valerie and Annette’s mother receive the care she deserves as well as numerous others in our community. We truly couldn’t do this without you so please consider donating to “Remember These Moments” today.

Tax-Free Charitable Giving From An IRA

Seniors age 70 ½ or older can make tax-free charitable donation from IRAs that count toward satisfying required minimum distribution and reduce taxable income.

What is a Qualified Charitable Distribution (QCD)?

A QCD is a tax-free charitable distribution of funds directly from the IRA trustee (custodian) of an eligible IRA account payable to a qualified charitable organization that can receive a tax-deductible contribution. A tax-free QCD is defined in IRS Publication 17 – Your Federal Income Tax for Individuals on page 126.

Normal distribution from an IRA of deductible contributions and earning is included in income and taxed as ordinary income. The tax-free QCD removes the distribution from taxable income. QCDs are recorded on Form 1040, U.S. Individual Tax Return 2018 – the sum total QCD distribution is included on line 4 a – IRA distribution, and the abbreviation ‘QCD’ is written on line 4 b – taxable amount.

Who is Eligible to Make a tax-free QCD?

IRA account owners and beneficiaries age 70 ½ or older on the date the tax-free QCD is made to one or more qualified charitable organizations.
Taxpayers who now claim the standard deduction can still make tax-free QCDs.

What type of IRA accounts are eligible for a QCD?

Traditional IRA, Rollover IRA, Inherited IRA accounts and non-active SEP and Simple IRA accounts are eligible for a tax free QCD. Active SEP or Simple IRA account currently receiving employee or employer contributions is not eligible.

Roth IRA accounts are eligible but a tax-free QCD will not lower income tax because distributions from Roth IRAs are already tax-free and not included in income.

What type of retirement savings accounts are ineligible for a QCD?

Employer-sponsored retirement plans, such as 401(k)s, 403(b)s and 457(b)s are not eligible for tax-free QCD. A normal or tax-free QCD distribution to satisfy the IRA RMD requirement in a given tax year cannot count toward satisfying the RMD requirement for employer-sponsored requirement plans.

However, an employer-sponsored plan account owner may consider a direct transfer rollover to an IRA Rollover account that would then be eligible for tax-free QCDs. RMD calculations for tax-deferred IRAs and employer-sponsored retirement plans for the current tax year will be based upon the fair market value of the account at the close of business on December 31 of the prior year, factored by your age and life expectancy. Therefore, before implementing a rollover strategy the time and suitability should be taken into consideration.

What is the tax-free QCD distribution limit?

Seniors age 70 ½ or older may make tax-free charitable donations and exclude up to $100,000 from gross income per tax year by making tax-free QCD’s directly from an IRA. There is no carry-over from year to year. Your spouse may also make a tax-free charitable donation and exclude up to $100,000 from gross income per tax year for a combined total of $200,000.

Does a tax-free QCD distribution count towards Requirement Minimum Distribution (RMD)?

Yes. A tax-free QCD may be an appropriate strategy for individuals who are charitable inclined and do not need RMDs for living expenses. A tax-free QCD can potentially reduce income tax liability on RMDs to zero. A tax-free QCD can be counted toward satisfying your RMD requirements for IRA accounts.

Here is an example of a normal IRA distribution of $5,000 at ordinary income tax rates:
22% 24% 32% 35% 37%

22% 24% 32% 35% 37%
IRA Distribution $5,000 $5,000 $5,000 $5,000 $5,000
Income tax 1,100 1,200 1,600 1,750 1,850
Net Distribution 3,900 3,800 3,400 3,250 3,150


Assume you are in the 24 percent income tax bracket – you make a tax-free QCD of $5,000 to count towards satisfying your RMD requirement, provide an income tax break of $1,200, lower taxable income, and help fulfil your philanthropic goals.

The annual RMD must be calculated by you or your custodian for each IRA account, but the sum RMD may be aggregated and distributed from one or more IRA accounts. Note – RMD for employer sponsored retirement accounts cannot be aggregated and distributed from IRAs.

The first distributions from an IRA are consider to satisfy the annual IRA RMD requirement. If you have already taken a portion of your RMD requirement earlier this year, you may consider a tax-free QCD for the remaining balance of the RMD requirement that needs to be distributed before the year-end deadline. The only exception to the year-end RMD requirement deadline is in the first year an IRA account owner turns age 70 ½.

What charities qualify to receive a tax-free QCD?

As defined by IRS Publication 590-B Distributions from Individual Retirement Arrangements (IRAs,) a charity eligible to receive a QCD is a “qualified 501(c)(3) organization (a charitable organization eligible to receive tax-deductible contributions.)” Donor advised funds and private foundations are not eligible to receive tax-free QCDs. Upon request a charity can provide you their IRS issued ‘Letter of Determination’ verifying tax-exempt status. Additionally, please find information about a tax-exempt organization’s federal tax filing status on the IRS web site at

How to set up direct payment to the charitable organization?

To make a tax-free QCD, there must be direct payment by the IRA trustee (custodian) on behalf of the IRA account owner to the charitable organization. You may call your IRA trustee (custodian) and request a check made payable to a charitable organization and delivered to you so that you may forward to the charity. (IRS Notice 2007-7, Q&A-41). Consider including a ‘Letter of Intent’ with the check to describe your wishes and purpose of the charitable gift. Check with you IRA trustee (custodian) for year-end processing deadlines for issuing checks. As normal, you will need to keep records to include written acknowledge from the charitable organization for your tax-exempt charitable donation.

What are key benefits of lowering taxable income, Adjusted Gross Income (AGI) for seniors?

A tax-free QCD can count towards satisfying your RMD requirement but does not add to your taxable income, AGI. You may benefit from lowering your taxable income to lower Medicare Part B premium and prescription drug premium for high income earners, lower taxable percentage of Social Security benefits, and larger deductions for medical expenses; among other benefits.

Medicare Premium for High Income Beneficiaries – Potential lower AGI to qualify for lower income threshold to lower income related monthly adjustment amounts for Medicare Part B and Prescription Drugs premiums. For more information, please view Social Security Administration publication – Medicare Premiums: Rules for Higher-Income Beneficiaries.

Itemized Deduction for Medical Expense – Potential lower AGI to reduce threshold for claiming unreimbursed medical and dental expenses you paid. The Tax Cuts and Jobs Act of 2017 (TCJA) lowered the AGI threshold for medical expenses from 10 percent to 7.5 percent for 2017 and 2018 for all taxpayers and reverts back to 10 percent in 2019.

Percentage of Social Security Benefits to be Taxed – Potential lower ‘combined income’ to qualify for a lesser portion of your Social Security benefits to be taxed. For more information, please visit Social Security Administration web page – Benefits Planner | Income Taxes and Your Social Security Benefits.


Tax-free QCDs may be an effective strategy to fulfill your philanthropic goals and make a lasting charitable impact in your community. Before implementing any strategy, please consult your professional tax accountant, estate planning attorney and/or investment adviser.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Any investments and strategies mentioned here may not be suitable for everyone. While every attempt is made to provide accurate information, we cannot guarantee the accuracy and completeness of this content. Christine does not provide legal or tax advice.

Written by Christine Parker, CPF®, president of Parker Financial, LLC and member of Sagepoint Senior Services Foundation Board of Officers and Directors.

Caretaker and Resident

Sagepoint’s Respite Services-A Critical Service for Caretakers and Family Members Alike

Caretaker and Resident


Sagepoint’s philosophy is that assisted living is about more than services or a facility. It’s about a true sense of place, of fulfillment, of community and making the patient feel like they are a part of our family.  


To ensure we live this philosophy for Assisted Living patients, Sagepoint began offering respite services nearly a decade ago. Respite services are a critical component of a patient’s long-term care. It gives dedicated caregivers or family members a much-needed opportunity to rest and recharge while ensuring the patient receives the highest level of care. 


Our respite offerings are flexible and take the form of a wide variety of services, including Home Care, Adult Day Services and Assisted Living.


While under a respite stay, we have a nurse and care staff on hand that are able to assist with the coordination and implementation of all aspects of care. Our devoted team takes great pride in providing quality care while your patient or loved one is under our care.


With the summer quickly approaching and vacations coming up, our respite services are a popular option for families to ensure their loved ones receive the highest level of care possible. 


To learn more about Sagepoint’s respite services, please call 301-934-0222 to arrange a personal consultation.

Mae celebrating her birthday

105?! Now That’s A Lot Of Candles!

Mae celebrating her birthday


While every resident’s birthday is cause for celebration at Sagepoint, we couldn’t let this one pass by without making a little fuss over it. We would love to, again, wish Miss Mae Bowie a very happy 105th birthday! She turned 105 years young on Sunday, May 1, and celebrated with her family and friends and was even joined by the Mayor of La Plata.


A lifelong resident of Charles County, Mae was married for 70 years and has been blessed with three children, six grandchildren, eight great-grandchildren and four great-great-grandchildren!


Once she raised her family, Mae started as an aid and teacher at the Head Start Center in Marshall’s Corner, La Plata. After working for 10 years in the program, she retired as the Director of the Head Start Center in Newburg, MD.


She became a member of the Sagepoint family back in 2012. An avid morning exerciser, gardener and bingo player, Mae is definitely one of the staff’s favorite residents, thanks to her happy demeanor and kind words. 


Please join all of us in wishing Miss Mae a very happy 105th!

Golfers walking on the course

Sagepoint Senior Services Foundation Ready to Tee It Up for 2022 Golf Tournament

Golfers walking on the course


Ask any golfer, and they’ll tell you that the only thing better than a round of golf is another round of golf! After an incredibly successful Second-Annual Sagepoint Tournament, we’re teeing it back up and hitting the links again this year. The Third-Annual Sagepoint Tournament is set for Wednesday, September 21, at Swan Point Yacht & Country Club. This is the perfect opportunity to connect with community leaders and make a difference in senior care in Southern Maryland.


The tournament will include a full day of golf with a captain’s choice scramble format, putting contests and exciting raffle opportunities. Once again this year, we will be raffling limited chances for an exclusive opportunity for a round of golf on members-only Pinehurst Course No.2 with a caddie.


If you are new to golf or have never played the game, try out our Sip and Swing event! You’ll get a taste of golf with a short instructional clinic, but most of the event is fully dedicated to fun. During the day, you’ll also be able to participate in a crafting activity where you can create a beautiful gift to take home with you. Plus, at the end of the day, you’ll enjoy a delicious food and wine pairing from the Chef at Swan Point. 


Sagepoint is a nonprofit organization caring for seniors and people with disabilities in southern Maryland for nearly 50 years. The goal of the funds raised for the golf tournament is to help Sagepoint raise awareness of dementia and the effects it has on the individual, their family and the community. These funds will allow us to expand our community outreach efforts and develop caregiver support and training programs for those who care for loved ones with dementia and other long-term cognitive illnesses.


Sponsorship opportunities have been selling quickly. With different levels available, sponsors make the tournament possible with their contributions and enjoy benefits such as logos on tournament signage and presence on digital and social media. If you’re interested in becoming an event sponsor, please contact Joyce Riggs at

LEADERSHIP SOUTHERN MARYLAND EDUCATES LEADERS: Class of 2022 Experiences Healthcare in Southern Maryland

LEONARDTOWN, Md. – May 27, 2022: On May 19, 2022, the Leadership Southern Maryland (LSM) Class of 2022 participated in the last of nine educational sessions for the 2021-22 LSM Executive Program – Healthcare.

Sponsored by the Chesapeake-Potomac Healthcare Alliance, this one-day event began with a presentation by Sagepoint Senior Living Services on the memory care services they offer to seniors. Sagepoint representatives also provided the class with the unique opportunity to participate in a dementia exercise that demonstrated the challenges faced by those coping with memory loss and sensory issues.

Next, the class took part in a mental health first aid exercise followed by an exploration of dental health in Southern Maryland. This portion of the day included tours of the Health Partners dental site in Waldorf and a visit from the CalvertHealth Mobile Health Center. The morning wrapped up with the Southern Maryland Hospitals Panel during which class members had the opportunity to ask questions of leadership from CalvertHealth System, University of Maryland Charles Regional Medical Center, and MedStar St. Mary’s Hospital.

Following lunch, the class walked through a health fair where they had the opportunity to explore numerous services and wellness-related topics including nutrition, meditation, chronic disease prevention, and many others.

The afternoon portion of the day kicked off with a discussion on public and community health issues where panelists from the three Southern Maryland county health departments fielded questions about their programs along with the challenges they face in the public health sector. The session rounded out with a focus on behavioral health featuring small-group presentations by the St. Mary’s County Health Department Harm Reduction Program Office, Maryland Coalition of Families, the Calvert County Healthy Beginnings Program, and a tour of the Charles County Sheriff’s Office’s HOPE Trailer.

LSM Executive Program Class of 2022 participants explore the CalvertHealth Mobile Health CenterClass members Rob Vest and Pat Hickey participate in a dementia exercise during the Healthcare session on May 19, 2022.
Top: LSM Executive Program Class of 2022 participants explore the CalvertHealth Mobile Health Center. Bottom: Class members Rob Vest and Pat Hickey participate in a dementia exercise during the Healthcare session on May 19, 2022.

Together We Overcome: Despite All Challenges, Our Community Lifts Us Up



These past months have been a stressful time not only for our local community but also the world. COVID-19 has dramatically changed the way we live day-to-day, and this is especially true for us here at Sagepoint.

Some of the groups at greatest risk for COVID-19 are older adults and immunocompromised people. In our facilities we serve seniors and people with disabilities — most of whom have preexisting health conditions or complications. Because of this it’s no surprise that the pandemic has had such a large effect on long-term care centers.

While we have always worked closely with our larger community, we must rely on these connections now more than ever. Because it truly takes a village to support our most vulnerable neighbors.

Sagepoint has always taken the safety of our seniors seriously, and COVID-19 was no different. We were quick to implement preventative protocol, many times even before it was mandated at the state or national level. This includes practices like ample PPE and regular testing.

Especially at the height of the pandemic, these measures represented a significant financial cost that Sagepoint was not anticipating. To date, we have spent nearly $1 million on routine COVID-19 testing for staff and residents alone.

This is no small expense, but we continue to utilize these techniques because we understand that it is the only way to keep our seniors safe — which has always been our top priority. Due to the early adoption of this protocol, Sagepoint went 16 months without a COVID-19 positive resident.

The theme for our 2021 end-of-year giving campaign is “Together We Overcome.” This pays tribute to all of our recent challenges while still recognizing the triumphs we can have when we come together as a community.

Your contributions will be making a direct impact on our Sagepoint seniors. Funds will be used for offsetting staggering COVID-19 costs and also help launch new initiatives within our facilities.

All year-end gifts are tax deductible. You also may be able to do charitable giving through your IRA, which can reduce taxable income. If you’d like you can also set up a recurring donation to support Sagepoint.

However you are able to contribute this year, we couldn’t be more grateful for the continued love and support from our community. We truly couldn’t do this without you.

Donate Now>> 

Man golfing

Our Second Annual Golf Tournament Brings Even More Success


Man golfing


Returning for its second year, our Sagepoint Golf Tournament was held on Wednesday, September 22 at Swan Point Yacht & Country Club. The tournament has quickly become one of our most popular — and successful — fundraising events.

We are so grateful for such an incredible turnout again this year, and have been blown away by the continued generosity of our community. With the contributions of our tournament sponsors and participants we were able to surpass our fundraising total from last year raising more than $57,000!

Event attendees were able to enjoy an exciting day on the course. Food and drink from our sponsors only added to the festivities. Even those who don’t golf still had a fun-filled day at our Sip & Swing event, where they had an itinerary complete with crafts and activities.

It was amazing to see our Sagepoint community out in full swing, but the best part of the tournament isn’t even what happened on the day of the event. The true reason for the event was to rally in support of our Sagepoint seniors and continue to provide them with the best care possible.

The funds from the event will help support both programs and operations as well as new initiatives at Sagepoint. Our residents deserve nothing less. And at a time when the world is still recovering from the impact of COVID-19, every contribution will make an even greater impact.

Because the Golf Tournament always brings happiness to both our seniors and the larger Sagepoint community, we’re excited to announce that the date is already set for next year’s event. Mark your calendars now for September 21, 2022!

Family enjoying time together

Giving Tuesday is Coming and Sagepoint Would Love Your Support



As we get closer to the holiday season, one very important global event is also approaching. Every year, Giving Tuesday marks a chance to come together and celebrate the generosity of communities across the world. 

Giving Tuesday is not exclusive to any one particular cause or charity, instead allowing all to coexist without competition. Since its inception in 2012, the event has inspired millions of people to step up and make a difference in thousands of communities in different places. 

It’s also important to note that not every donation has to be monetary. Giving Tuesday started with the simple idea that everyone has something to give. This can mean making financial contributions to a cause that’s close to your heart, but it can also mean showing up to events or using your voice to advocate. 

Even if you just give an extra hand to a neighbor in need or smile at someone who’s having a bad day, you’re making a difference for that person. Every act of generosity is important, and it starts with you. 

If you’re a part of our Sagepoint community and show support for our seniors this Giving Tuesday, we would be so grateful. For your safety and convenience, there are countless ways to contribute online. 

In fact, we are launching our annual year-end giving campaign, called “Together We Overcome.” Our seniors have shown so much resilience over the past few years, and the funds raised from this campaign will ensure they continue to receive the best possible care. 

To make a tax-deductible gift, please visit our secure campaign website. Thank you so much for your generosity and continued support.