{"id":7284,"date":"2026-06-10T12:22:20","date_gmt":"2026-06-10T12:22:20","guid":{"rendered":"https:\/\/hcfm.org\/?page_id=7284"},"modified":"2026-09-24T09:31:26","modified_gmt":"2026-09-24T09:31:26","slug":"%e0%ae%b5%e0%ae%be%e0%ae%b4%e0%af%8d%e0%ae%a8%e0%ae%be%e0%ae%b3%e0%af%8d-%e0%ae%93%e0%ae%af%e0%af%8d%e0%ae%b5%e0%af%81%e0%ae%95%e0%af%8d%e0%ae%95%e0%ae%be%e0%ae%a9-%e0%ae%9a%e0%af%8a%e0%ae%a4%e0%af%8d","status":"publish","type":"page","link":"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%89%e0%ae%ae%e0%af%8d-%e0%ae%8e%e0%ae%a9%e0%af%8d%e0%ae%a9-%e0%ae%95%e0%af%8a%e0%ae%9f%e0%af%81%e0%ae%95%e0%af%8d%e0%ae%95%e0%ae%b2%e0%ae%be%e0%ae%ae%e0%af%8d\/%e0%ae%b5%e0%ae%be%e0%ae%b4%e0%af%8d%e0%ae%a8%e0%ae%be%e0%ae%b3%e0%af%8d-%e0%ae%93%e0%ae%af%e0%af%8d%e0%ae%b5%e0%af%81%e0%ae%95%e0%af%8d%e0%ae%95%e0%ae%be%e0%ae%a9-%e0%ae%9a%e0%af%8a%e0%ae%a4%e0%af%8d\/","title":{"rendered":"\u0bb5\u0bbe\u0bb4\u0bcd\u0ba8\u0bbe\u0bb3\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0ba9 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd"},"content":{"rendered":"<style>@media(max-width:1024px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}@media(max-width:767px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}<\/style>\n<div class=\"wp-block-cover has-base-color has-text-color has-link-color wp-elements-1 cbmi-d0dd36c0\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;min-height:70vh;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"622\" class=\"wp-block-cover__image-background wp-image-6621 size-full\" alt=\"\" src=\"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg\" data-object-fit=\"cover\"\/ data-desktop=\"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg\" srcset=\"https:\/\/hcfm.org\/ta\/wp-content\/uploads\/sites\/32\/2026\/06\/Planned-Giving.jpg 900w, https:\/\/hcfm.org\/ta\/wp-content\/uploads\/sites\/32\/2026\/06\/Planned-Giving-300x207.jpg 300w, https:\/\/hcfm.org\/ta\/wp-content\/uploads\/sites\/32\/2026\/06\/Planned-Giving-768x531.jpg 768w, https:\/\/hcfm.org\/ta\/wp-content\/uploads\/sites\/32\/2026\/06\/Planned-Giving-600x415.jpg 600w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-b12131f3 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-6820f5d6 wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:8.44rem;padding-right:0rem;padding-bottom:2.5rem;padding-left:0rem\">\n<h1 class=\"wp-block-heading has-text-align-center animated fadeInUp slow has-whitney-font-family is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left\" style=\"margin-bottom:1rem;text-transform:capitalize\">\u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bcd\u0b9f \u0b85\u0bb3\u0bb5\u0bc0\u0b9f\u0bc1\u0bae\u0bcd<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull max-781:!mt-5 max-781:!mb-5 is-layout-constrained wp-container-core-group-is-layout-8ec45f02 wp-block-group-is-layout-constrained\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:3.75rem;padding-right:1.25rem;padding-bottom:3.75rem;padding-left:1.25rem\">\n<div class=\"wp-block-columns are-vertically-aligned-top columns-layout is-layout-flex wp-container-core-columns-is-layout-6f9e0450 wp-block-columns-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-column is-vertically-aligned-top text-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-tertiary-color has-text-color has-link-color has-whitney-font-family has-x-large-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-2\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bcd<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">\u0b89\u0ba9\u0bcd IRA, 401(k), 403(b), \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0baf\u0bbe\u0b95\u0bcd\u0b95\u0bb3\u0bcd \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b89\u0ba9\u0bcd \u0b86\u0baf\u0bc1\u0bb3\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bbf\u0bb2\u0bcd Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0baa\u0b9f\u0bbf\u0bb5\u0bae\u0ba4\u0bc1 \u0bae\u0bbe\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bb4\u0bbf\u0baf\u0bbe\u0b95 \u0ba4\u0bbe\u0b95\u0bcd\u0b95\u0bae\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0bb5\u0bb0\u0bbf \u0b85\u0bb1\u0bbf\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bc2\u0bb0\u0bcd\u0bae\u0bc8\u0baf\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0bb5\u0bb4\u0b99\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd. \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 QCD (\u0b9a\u0bbf\u0bb2 \u0ba8\u0bc7\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u201cIRA \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0bc1 \u0bae\u0bbe\u0bb1\u0bc1\u0ba4\u0bb2\u0bcd\u201d \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b85\u0bb4\u0bc8\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1) Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0bb1\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bb5\u0b9a \u0baa\u0bb0\u0bbf\u0b9a\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0b92\u0bb0\u0bc1 \u0b9a\u0bbf\u0bb1\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb4\u0bbf\u0baf\u0bbe\u0b95\u0bc1\u0bae\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbe\u0ba9 \u0b95\u0bc1\u0bb1\u0bc8\u0ba8\u0bcd\u0ba4\u0baa\u0b9f\u0bcd\u0b9a\u0baa\u0bcd \u0bb5\u0bbf\u0ba8\u0bbf\u0baf\u0bcb\u0b95\u0bae\u0bcd (RMD) \u0ba8\u0bbf\u0bb1\u0bc8\u0bb5\u0bc7\u0bb1\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0b89\u0ba3\u0bcd\u0b9f\u0bc1.<\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong><strong>\u0b92\u0bb0\u0bc1&nbsp;<\/strong><em><strong>\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd<\/strong><\/em><strong>&nbsp;\u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc7 \u0b8f\u0bb1\u0bcd\u0bb1\u0bae\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd:<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc1 IRA \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 401(k) \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 403(b) \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba4\u0bc1.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0ba9\u0bcd \u0bb5\u0bbe\u0bb4\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bc8 \u0bae\u0bc1\u0bb4\u0bc1\u0bae\u0bc8\u0baf\u0bbe\u0b95 \u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0baf\u0bcb\u0b9f\u0bc1 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd \u0b85\u0ba4\u0bcb\u0b9f\u0bc1 \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bc6\u0ba9 \u0ba8\u0bc0 \u0ba8\u0bbf\u0ba9\u0bc8\u0baf\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc1 \u0b85\u0bb1\u0bbf\u0bb5\u0bbf\u0baf\u0bb2\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba8\u0bbf\u0bb2\u0bae\u0bcd \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0baa\u0bbf\u0bb1 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba9, \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0baa\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bbe\u0b95\u0bcd\u0b95\u0bbf \u0bb5\u0bbf\u0bb0\u0bc1\u0bae\u0bcd\u0baa\u0bc1\u0b95\u0bbf\u0bb1\u0bbe\u0baf\u0bcd.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0ba9\u0bcd\u0ba9\u0bc1\u0b9f\u0bc8\u0baf \u0b9a\u0bca\u0ba8\u0bcd\u0ba4\u0bae\u0bbe\u0b95 Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0b85\u0bb1\u0b95\u0bcd\u0b95\u0b9f\u0bcd\u0b9f\u0bb3\u0bc8 \u0b87\u0b9f\u0bae\u0bc1\u0b95\u0bae\u0bbe\u0b95 \u0baa\u0ba3\u0bbf\u0bb5\u0ba4\u0bc1 \u0bae\u0bc7\u0bb2\u0bbe\u0ba3\u0bcd\u0bae\u0bc8 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0bc1 \u0b95\u0bca\u0bb3\u0bcd\u0bb3 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bbf\u0bb3\u0bbf\u0baf\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-primary-to-secondary-gradient-background has-background is-layout-constrained wp-container-core-group-is-layout-81ed83c8 wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:1.25rem;border-top-right-radius:1.25rem;border-bottom-left-radius:1.25rem;border-bottom-right-radius:1.25rem;margin-top:0px;margin-bottom:1.25rem;padding-top:1.25rem;padding-right:1.25rem;padding-bottom:1.25rem;padding-left:1.25rem\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-base-color has-text-color has-link-color has-whitney-font-family has-x-medium-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-3\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">\u0b8e\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b9f\u0ba9\u0bcd \u0baa\u0bc7\u0b9a\u0bc1<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-4 wp-block-paragraph\"><a href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\">\u0bb5\u0bbf\u0bb0\u0bcb\u0ba4 \u0bae\u0bc7\u0bb2\u0bbe\u0ba3\u0bcd\u0bae\u0bc8 \u00bb<\/a><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-5 wp-block-paragraph\"><a href=\"tel:508-238-4095\" type=\"tel\" id=\"tel:508-238-4095\">\u0b85\u0bb4\u0bc8\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd 508-238-4095<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:1rem;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-secondary-background-color has-background wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%b5%e0%ae%b3%e0%ae%99%e0%ae%95%e0%ae%b3\/%e0%ae%89%e0%ae%a4%e0%af%8d%e0%ae%a4%e0%ae%ae%e0%ae%ae%e0%ae%be%e0%ae%a9-%e0%ae%aa%e0%ae%b0%e0%ae%bf%e0%ae%9a%e0%af%81%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%87%e0%ae%9f%e0%af%81%e0%ae%99%e0%af%8d\/\" rel=\"noreferrer\">\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bcd \u0baa\u0bb1\u0bcd\u0bb1\u0bbf \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd&nbsp;<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong><strong>\u0bb5\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bae\u0bcd 1: \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc8\u0baf\u0bbf\u0ba9\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bb5\u0b9a \u0baa\u0bb0\u0bbf\u0b9a\u0bc8 \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd (\u0b92\u0bb0\u0bc1 \u201cIRA \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc8 \u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0bae\u0bcd\u201d).<\/strong><\/strong><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"> \u0ba8\u0bc0\u0ba9\u0bcd IRA-\u0b87\u0bb2\u0bcd \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0b92\u0bb0\u0bc1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc8\u0baf\u0bc1\u0b9f\u0ba9\u0bcd \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bb5\u0b9a \u0baa\u0bb0\u0bbf\u0b9a\u0bc8 \u0b9a\u0bc6\u0baf\u0bb2\u0bbe\u0bae\u0bcd (401(k) \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd 403(b) \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4\u0bc1). \u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc8\u0baa\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bc7\u0b8e\u0ba9\u0b95\u0bcd\u0b95\u0bc1 70\u00bd \u0bb5\u0baf\u0ba4\u0bc1 \u0bae\u0bc1\u0b9f\u0bbf\u0baf \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. \u0b89\u0ba9\u0bcd\u0ba9\u0bc1\u0b9f\u0bc8\u0baf QCD HCFM-\u0b95\u0bcd\u0b95\u0bbe\u0b95 \u0b89\u0ba9\u0bcd IRA \u0ba8\u0bbf\u0bb0\u0bcd\u0bb5\u0bbe\u0b95\u0bbf\u0baf\u0bbf\u0b9f\u0bae\u0bcd \u0ba8\u0bc7\u0bb0\u0b9f\u0bbf\u0baf\u0bbe\u0b95 \u0b9a\u0bc6\u0bb2\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. 2026-\u0b87\u0bb2\u0bcd \u0b89\u0ba9\u0bcd \u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 QCD \u0baa\u0bb0\u0bbf\u0b9a\u0bc1\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0bae\u0bca\u0ba4\u0bcd\u0ba4\u0bae\u0bcd \u0b92\u0bb0\u0bc1\u0bb5\u0bb0\u0bbf\u0ba9\u0bcd \u0bae\u0bc0\u0ba4\u0bbe\u0ba9 $111,000-\u0b90 \u0bae\u0bbf\u0b95\u0bc1\u0bae\u0bbe\u0bb1\u0bc1 \u0b95\u0b9f\u0ba8\u0bcd\u0ba4\u0bc1 \u0b9a\u0bc6\u0bb2\u0bcd\u0bb2 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1, \u0b8e\u0ba9\u0bbf\u0ba9\u0bc1\u0bae\u0bcd, \u0b89\u0ba9\u0bcd \u0b95\u0ba3\u0bb5\u0ba9\u0bcd \u0baa\u0bbf\u0bb0\u0bbf\u0ba4\u0bcd\u0ba4 IRA \u0b89\u0b9f\u0bc8\u0baf\u0bb5\u0bb0\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd $111,000 \u0bb5\u0bb0\u0bc8 QCD \u0b95\u0bc2\u0bb1\u0b95\u0bb2\u0bbe\u0bae\u0bcd, \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0bbf\u0bb1\u0b95\u0bc1 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bb2\u0bbe\u0bae\u0bcd \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd.<\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">QCD \u0baa\u0bb0\u0bbf\u0b9a\u0bbf\u0ba9\u0bcd \u0ba8\u0ba9\u0bcd\u0bae\u0bc8\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba9:<\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0bb5\u0bbe\u0baf\u0bcd \u0d28\u0bc1\u0b95\u0bb0\u0bcd\u0bb5\u0bc1 \u0b95\u0bc1\u0bb1\u0bc8\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bc8 \u0baa\u0b9f\u0bcd\u0b9f\u0bbf\u0baf\u0bb2\u0bbf\u0b9f\u0bc1\u0baa\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb2\u0bcd\u0bb2, QCD \u0bb5\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bb1\u0bbf\u0baf\u0bc0\u0b9f\u0bc1 \u0bb5\u0bb0\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9 \u0bb5\u0bb0\u0bbf \u0ba8\u0ba9\u0bcd\u0bae\u0bc8\u0b95\u0bb3\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bae\u0bcd.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">&nbsp;\u0ba8\u0bc0 73 \u0bb5\u0baf\u0ba4\u0bbf\u0bb2\u0bcd \u0bb5\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbe\u0ba9 \u0b95\u0bc1\u0bb1\u0bc8\u0ba8\u0bcd\u0ba4\u0baa\u0b9f\u0bcd\u0b9a \u0bb5\u0bbf\u0ba8\u0bbf\u0baf\u0bcb\u0b95\u0bae\u0bcd (RMD) \u0b8e\u0b9f\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd, \u0b89\u0ba9\u0bcd QCD \u0baa\u0bb0\u0bbf\u0b9a\u0bc1 \u0bb5\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0b85\u0ba4\u0bbf\u0b95\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9 \u0bb5\u0bb0\u0bbf\u0b95\u0bb3\u0bc8 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bbe\u0bae\u0bb2\u0bcd RMD-\u0b90 \u0ba8\u0bbf\u0bb1\u0bc8\u0bb5\u0bc7\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bcb\u0ba4\u0bc1 \u0baa\u0bca\u0bb1\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0b9f\u0ba9\u0bcd \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0ba4 \u0baa\u0bb0\u0bbf\u0b9a\u0bbe\u0baf\u0bcd \u0b85\u0ba4\u0bbf\u0b95 \u0baa\u0ba3\u0bbf\u0baf\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bc8 \u0b89\u0bb1\u0bc1\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bae\u0bcd \u0bae\u0bc6\u0ba9\u0bcd\u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd \u0baa\u0bbe\u0ba4\u0bc1\u0b95\u0bbe\u0baa\u0bcd\u0baa\u0bbe\u0ba9\u0ba4\u0bc1.<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong><strong><strong>\u0bb5\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bae\u0bcd 2: \u0b89\u0ba9\u0ba4\u0bc1 \u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0baf\u0bc8 Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9\u0bae\u0bbe\u0b95 \u0bae\u0bbe\u0bb1\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd.<\/strong><\/strong><\/strong><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">\u0bb5\u0bc7\u0bb1\u0bc1 \u0b92\u0bb0\u0bc1 \u0b88\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1, \u0b89\u0ba8\u0bcd\u0ba4\u0bb2\u0bbf\u0bb2\u0bcd \u0b89\u0ba9\u0bcd IRA, 401(k), 403(b) \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b9a\u0bc0\u0bb0\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0b89\u0ba9\u0ba4\u0bc1 \u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b95\u0bca\u0bb2\u0bcd\u0bb2\u0bc8\u0baf\u0bc8 Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b95\u0bbf\u0b9f\u0bcd\u0b9f\u0bb5\u0bbe\u0bb1\u0bc1 \u0b95\u0bca\u0b9f\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">\u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc1 Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bbe\u0ba9 \u0bb5\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0b95\u0ba4\u0bcd\u0ba4\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bc8\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0baa\u0bc1\u0ba4\u0bbf\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0bbe\u0baf\u0bcd, \u0b89\u0bae\u0bcd \u0b95\u0bae\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0b95\u0bc2\u0bb1\u0bbf \u0baa\u0bca\u0ba4\u0bbf \u0b89\u0bb3\u0bcd\u0bb3\u0ba9:<\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b89\u0ba9\u0bcd \u0b89\u0baf\u0bbf\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0b95\u0bb0\u0bcd \u0b95\u0bb4\u0bbf\u0bb5\u0bc1\u0b95\u0bb3\u0bbf\u0bb2\u0bcd HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b95\u0bca\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bcd \u0baa\u0baf\u0ba9\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0ba8\u0bc0 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b95\u0bc2\u0b9f\u0bbf\u0baf\u0ba4\u0bbe\u0b95 0.62% \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bbf\u0b95\u0bc8 \u0b89\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bc1\u0b9f\u0ba9\u0bcd HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b85\u0ba9\u0bc1\u0baa\u0bb5\u0bbf\u0b95\u0bcd\u0b95 \u0bae\u0bbe\u0b9f\u0bcd\u0b9f\u0bbe\u0baf\u0bcd, \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba8\u0bbf\u0bb2\u0bc1\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd\u0bb2\u0bbe\u0b95 \u0b89\u0bb4\u0bc8\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0b95 \u0baa\u0ba4\u049b\u0430\u0440 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf \u0b85\u0bb1\u0bbf\u0bb5\u0bc1\u0b95\u0bcd \u0b95\u0bc1\u0bb4\u0bc1 \u0b86\u0b95 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b9a\u0bc7\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0baa\u0b9f\u0bcd\u0b9f\u0bc1 \u0b95\u0ba3\u0bcd\u0b9f\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0bb2\u0bcd \u0b95\u0bc1\u0bb1\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1\u0bb3\u0bcd\u0bb3\u0bcd\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba4\u0bc1.<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><em><strong>\u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bc1:<\/strong>&nbsp;\u0b89\u0ba9\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc8\u0baa\u0bcd \u0baa\u0ba3\u0bbf \u0b85\u0ba9\u0bc1\u0baa\u0bcd\u0baa\u0bc1\u0bb5\u0bcb\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba8\u0bc7\u0bb0\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0b95\u0bc8\u0baf\u0bbf\u0bb2\u0bc1\u0bae\u0bcd \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b86\u0bb3\u0bcd\u0bae\u0bc1\u0b9f\u0bbf \u0b9a\u0bc6\u0baf\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9\u0bb0\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b86\u0bb2\u0bcb\u0b9a\u0ba9\u0bc8\u0baf\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0bb4\u0bc1\u0bae\u0baf\u0bbf\u0bb2\u0bcd \u0b95\u0bb5\u0ba9\u0bae\u0bbe\u0b95 \u0b86\u0bb0\u0bbe\u0baf\u0bcd\u0ba8\u0bcd\u0ba4\u0bc1 \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bb1\u0bcd\u0bb1\u0bbf\u0baf \u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0bb4\u0b95\u0bc1\u0bae\u0bcd\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0baf\u0bc1\u0bae\u0bcd \u0b95\u0bc2\u0bb1\u0bbf\u0baf\u0ba4\u0bc8.<\/em><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-b8487f01 wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1.5rem;padding-left:0rem\"><div class=\"wp-block-hcfm-faq-block\">\n    <div class=\"accordion shadow\">\n                        <div class=\"accordion-item\">\n                    <h3 class=\"accordion-title\">\u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd \u0bb5\u0bbf\u0bb5\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bcd<\/h3>\n                    <div class=\"accordion-content\">\n                        \n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>IRAs \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd<\/strong><br>\u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0baf\u0bbf\u0ba9\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd \u0baa\u0bb2 \u0bae\u0bc1\u0ba9\u0bcd\u0ba9\u0ba3\u0bbf \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0bb5\u0bb3\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0b86\u0ba4\u0bbe\u0bb0\u0bae\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb0\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b89\u0ba4\u0bbe\u0bb0\u0ba3\u0bae\u0bbe\u0b95, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd IRA, 401(k), 403(b) \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bbf\u0baa\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc1\u0bae\u0bbe\u0bb0\u0bcd \u0ba8\u0bbe\u0ba9\u0bcd\u0b95\u0bc1 \u0b86\u0baf\u0bbf\u0bb0\u0bae\u0bcd \u0b9f\u0bca\u0bb2\u0bb0\u0bcd\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0bc6\u0bb1\u0bb2\u0bbe\u0bae\u0bcd. \u0b87\u0ba4\u0bc1\u0bb5\u0bc7, \u0b89\u0ba3\u0bcd\u0b9f\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0baf\u0bbf\u0bb2\u0bcd \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bc8, \u0ba8\u0b9f\u0ba4\u0bcd\u0ba4\u0bc8\u0baf\u0bbf\u0bb2\u0bc1\u0bb3\u0bcd\u0bb3\u0bbf\u0bb2\u0bcd \u0bb5\u0bc7\u0bb2\u0bc8\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. \u0b87\u0ba4\u0ba9\u0bbe\u0bb2\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bc8 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc7\u0bb1\u0bcd\u0baa \u0bb5\u0bbf\u0bb3\u0bc8\u0baf\u0bbe\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0ba8\u0bcd\u0ba4\u0ba9\u0bb0\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">\u0b89\u0ba9\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0baf\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0ba4\u0ba9\u0bcd\u0bae\u0bc8\u0baf\u0bbe\u0ba9 \u0b95\u0bc1\u0bb1\u0bbf\u0b95\u0bcd\u0b95\u0bcb\u0bb3\u0bc8 \u0b89\u0b9f\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bb5\u0bc1\u0bb3\u0bcd\u0bb3 \u0bb5\u0bb0\u0bae\u0bcd\u0baa\u0bbf\u0bb2\u0bcd \u0b89\u0ba9\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0b95, \u0b86\u0ba9\u0bbe\u0bb2\u0bcd \u0b85\u0ba4\u0bc1 \u0b89\u0ba9\u0bcd \u0b89\u0baf\u0bbf\u0bb0\u0bbf\u0bb2\u0bcd \u0bb5\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0ba9\u0bc1\u0b9f\u0bc8\u0baf \u0baa\u0bb0\u0bbf\u0b9a\u0bc1\u0b95\u0bb3\u0bc8 \u0b85\u0bb3\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0b92\u0bb0\u0bc1 \u0b85\u0ba4\u0bbf\u0bb0\u0bcd\u0bb7\u0bcd\u0b9f\u0bae\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>\u0baa\u0bc6\u0bb1\u0bcd\u0bb1\u0bc1 \u0baa\u0bb4\u0b95\u0bcd\u0b95\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf\u0bb5\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bb2\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0bcb\u0b9f\u0bcd\u0b9f\u0bc1\u0bb3\u0bcd\u0bb3\u0ba9<\/strong><br>Roth IRA-\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bbf\u0ba4\u0bae\u0bbe\u0b95\u0bb5\u0bca\u0ba9\u0bcd\u0bb1\u0bc1, \u0b92\u0bb5\u0bcd\u0bb5\u0bca\u0bb0\u0bc1 \u0b89\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd \u0b87\u0baf\u0bb1\u0bcd\u0b95\u0bc8\u0baf\u0bbf\u0bb2\u0bbe\u0ba9 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0bb5\u0bbe\u0bb4\u0bcd\u0bb5\u0bbf\u0bb2\u0bcd \u0b87\u0bb2\u0bcd\u0bb2\u0bc8. \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd, \u0b89\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bc1\u0bb5\u0bc8 \u0b85\u0bb3\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8\u0baf\u0bc7 \u0b89\u0bb3\u0bcd\u0bb3\u0ba4\u0bc1. \u0b8e\u0ba9\u0bb5\u0bc7, \u0b87\u0bb5\u0bcd\u0bb5\u0bbe\u0bb1\u0bc1 \u0b85\u0bae\u0bc8\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0bb5\u0bc7\u0bb2\u0bc8\u0baa\u0bcd \u0baa\u0bb0\u0bbf\u0b9a\u0bc1\u0b95\u0bb3\u0bcd \u0ba4\u0bc1\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bbf\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0ba4\u0bbf\u0ba9\u0bcd\u0bb1\u0bc1 \u0b87\u0bb1\u0bb1\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0bae\u0bc1\u0ba9\u0bcd\u0bae\u0bbf \u0baa\u0bb2 \u0b86\u0bb2\u0bcb\u0b9a\u0ba9\u0bc8\u0b95\u0bb3\u0bc8 \u0b9a\u0baa\u0bbe \u0bae\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0bb1\u0bc8\u0b95\u0bb3\u0bbe\u0bb2\u0bcd \u0bae\u0bbe\u0bb1\u0bc1\u0baa\u0b9f\u0bcd\u0b9f\u0bc1\u0bb5\u0bbf\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bb0\u0bb5\u0bc1 \u0b9a\u0bc6\u0bb2\u0bb5\u0bbe\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bbe\u0ba4\u0bc1.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>73 \u0bb5\u0baf\u0ba4\u0bbf\u0bb2\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bb4\u0bbf\u0bb5\u0bc1\u0b95\u0bb3\u0bc8 \u0b8e\u0b9f\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd<\/strong><br>73 \u0bb5\u0baf\u0ba4\u0bc1 \u0bb5\u0ba8\u0bcd\u0ba4\u0bb5\u0bc1\u0b9f\u0ba9\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf \u0b8e\u0b9f\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0b9f\u0ba8\u0bcd\u0ba4 \u0b86\u0ba3\u0bcd\u0b9f\u0bbf\u0ba9\u0bcd \u0b95\u0b9f\u0bc8\u0b9a\u0bbf \u0ba8\u0bbe\u0bb3\u0bbf\u0bb2\u0bc1\u0bae\u0bcd \u0b87\u0bb0\u0ba3\u0bcd\u0b9f\u0bc1 \u0b87\u0bb2\u0bb5\u0b9a \u0bb5\u0bbe\u0bb0\u0bbf\u0baf\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0b95\u0bc1\u0b9f\u0bbf\u0baf\u0bc6\u0ba9\u0bcd\u0baa\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0ba4\u0b95\u0bb5\u0bb2\u0bc8 \u0b85\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bae\u0bcd\u0baa\u0bbf\u0bb2\u0bcd \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd. \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0ba4\u0bcd \u0ba4\u0bc7\u0bb5\u0bc8 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd IRS \u0ba4\u0bbf\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bae\u0bbe\u0ba9\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0ba4\u0bca\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0bbe\u0bb2\u0bcd \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bc8 \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bc7 \u0bb5\u0bc7\u0bb1\u0bc1\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>\u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bbf\u0b95\u0bb3\u0bcd \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b85\u0ba4\u0bbf\u0b95\u0bae\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bc1\u0bae\u0bcd<\/strong><br>\u0b89\u0ba9\u0bcd\u0ba9\u0bc8\u0baa\u0bcd \u0baa\u0bbe\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bca\u0bb2\u0bcd\u0bb2\u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bbf\u0baf\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bbf\u0bb1 \u0b95\u0bbe\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf \u0b89\u0ba9\u0bcd\u0ba9\u0bc1\u0b9f\u0bc8\u0baf \u0bb5\u0bbf\u0bb2\u0bc8\u0baf\u0bc1\u0b9f\u0ba9\u0bcd \u0b9a\u0bc6\u0bb2\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bc1\u0baa\u0bcd \u0baa\u0bbf\u0bb1\u0b95\u0bc1, \u0b89\u0ba9\u0bcd \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc1\u0bb5\u0bc8\u0baf\u0bb1\u0bcd\u0bb1 \u0b85\u0ba9\u0bc8\u0bb5\u0bb0\u0ba4\u0bc1 \u0b95\u0bcb\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bc8 \u0b86\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b85\u0ba4\u0bc8 \u0b87\u0bb3\u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0b85\u0ba4\u0bbf\u0b95\u0bae\u0bbe\u0b95 \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1\u0bb3\u0bcd\u0bb3 \u0ba4\u0b95\u0bb5\u0bb2\u0bc8 \u0b85\u0ba4\u0bbf\u0b95\u0bb0\u0bbf\u0b95\u0bcd\u0b95 \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0bb5\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">\u0bae\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0bb0\u0bbf\u0ba9\u0bcd \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bbf\u0baf\u0bb5\u0bb0\u0bc8 \u0b89\u0bb1\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0b95 \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0bb5\u0bb0\u0bbf \u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0b92\u0bb0\u0bc7 \u0bb5\u0bb0\u0bc1\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd 37% \u0b86\u0b95\u0bc1\u0bae\u0bcd. \u0b87\u0ba4\u0bc1 \u0b9a\u0bae\u0bc2\u0b95\u0bb5\u0bbf\u0baf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0ba4\u0b9f\u0bc8\u0b95\u0bb3\u0bc8 \u0b89\u0baf\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1\u0bae\u0bcd \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0ba9 62% \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb2\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0bcb\u0b95\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bc8 \u0b85\u0bb3\u0bbf\u0ba4\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb0\u0bbf\u0b95\u0bb3\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd<\/strong><br>\u0b89\u0ba9\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0b9a\u0bc6\u0baf\u0bb2\u0bbf\u0ba9\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bc8 \u0baa\u0bca\u0bb2\u0bbf\u0bb5\u0bbe\u0b95 \u0b89\u0ba3\u0bcd\u0b9f\u0bc1  \u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bc8 \u0bb5\u0bc0\u0bb4\u0bcd\u0ba4\u0bcd\u0ba4\u0bbe\u0ba4\u0bc1 \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8 \u0b89\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0b9f\u0bbf\u0b95\u0bb3\u0bcd \u0b85\u0bb4\u0b95\u0bcd\u0b95\u0bbf \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bc7 \u0b87\u0bb5\u0bb1\u0bcd\u0bb1\u0bbf\u0ba9\u0bcd \u0b95\u0ba3\u0bcd\u0ba3\u0bc8 \u0baa\u0bb1\u0bcd\u0bb1\u0bbf \u0b8e\u0bb2\u0bcd\u0bb2\u0bbe \u0baa\u0b99\u0bcd\u0b95\u0bc1 \u0b85\u0b9f\u0bc8\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1 \u0b85\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd, \u0b95\u0bc1\u0b9f\u0bbf\u0baf\u0bc7\u0bb1\u0bcd\u0bb1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0ba4\u0bca\u0b95\u0bc1\u0ba4\u0bbf\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bb5\u0bc6\u0bb1\u0bcd\u0bb1\u0bbf \u0bb5\u0bb0\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0baa\u0bb4\u0b95\u0baa\u0bcd\u0baa\u0baf\u0ba8\u0bcd\u0ba4 \u0bb5\u0bbe\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd \u0ba8\u0bbf\u0ba4\u0bbf\u0ba4\u0bcd\u0ba4\u0bbf\u0baf\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0ba4\u0bc8\u0b9a\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bb5\u0b95\u0bc8\u0baf\u0bbf\u0bb2\u0bcd \u0b87\u0ba3\u0bc8\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>\u0b8e\u0baa\u0bcd\u0baa\u0b9f\u0bbf HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b85\u0ba9\u0bc1\u0baa\u0bcd\u0baa\u0bc1\u0bb5\u0ba4\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bc8?<\/strong>&nbsp;<br>\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0ba4\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bc8 \u0b85\u0ba9\u0bc1\u0baa\u0bcd\u0baa\u0bc1\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0baa\u0bb2 \u0ba8\u0bb2\u0bcd\u0bb2 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba9.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>\u0baa\u0b99\u0bcd\u0b95\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bc1&nbsp;<\/strong><br>\u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0b85\u0bb3\u0bbf\u0b95\u0bcd\u0b95 \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b8e\u0bb3\u0bbf\u0ba4\u0bbe\u0ba9 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0451\u043d\u043d\u044b\u0439\u0ba9\u0bbe\u0ba9 \u0bb5\u0bb4\u0bbf, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0bb5\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 \u0b90\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bbe\u0b95 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0baa\u0bbf\u0bb0\u0bbf\u0bb5\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0bb2\u0bbe\u0bae\u0bcd. \u0b90\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bbe\u0b95 \u0baa\u0bbf\u0bb0\u0bbf\u0ba4\u0bae\u0bcd \u0b85\u0bb3\u0bb5\u0bc0\u0b9f\u0bc1 \u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0baa\u0b99\u0bcd\u0b95\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bc1 \u0ba4\u0bae\u0bbf\u0bb4\u0bbf\u0bb2\u0bcd \u0bb5\u0bbe\u0b99\u0bcd\u0b95\u0bbf \u0baa\u0ba4\u0bbf\u0bb5\u0bc7\u0bb1\u0bcd\u0bb1\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. \u0b85\u0ba4\u0ba9\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bc7 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc7\u0bb1\u0bcd\u0baa \u0ba8\u0bbf\u0ba4\u0bbf \u0b9a\u0bc7\u0bb0\u0bcd\u0ba8\u0bcd\u0ba4\u0ba4\u0bc1\u0bae\u0bcd HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b89\u0baf\u0bbf\u0bb0\u0bc1\u0b95\u0bcd\u0b95 \u0b8f\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0ba9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-medium-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left\">\u0b89\u0ba4\u0bbe\u0bb0\u0ba3\u0bae\u0bcd<\/h2>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Leo Hogue, 75, \u0b93\u0baf\u0bcd\u0bb5\u0bbf\u0bb2\u0bcd \u0bae\u0bc1\u0ba9\u0bc8\u0baa\u0bcd\u0baa\u0bbe\u0bb3\u0bb0\u0bcd \u0b86\u0bb5\u0bbe\u0bb0\u0bcd, \u0b85\u0bb5\u0bb0\u0bcd \u0ba4\u0ba9\u0ba4\u0bc1 \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b95\u0b9f\u0ba8\u0bcd\u0ba4 \u0b86\u0ba3\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd $500,000 \u0b85\u0ba9\u0bc8\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bc1\u0bae\u0bcd \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b85\u0bb5\u0bb0\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bbe\u0ba4 \u0b85\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4 \u0baa\u0b9f\u0bbf\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0bae\u0b9f\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0b95\u0bb5\u0bc7 \u0b89\u0bb3\u0bcd\u0bb3\u0ba4\u0bb2\u0bcd\u0bb2; \u0b86\u0ba9\u0bbe\u0bb2\u0bcd \u0b85\u0ba8\u0bcd\u0ba4 \u0b8e\u0ba3\u0bcd\u0ba3\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0b85\u0bb5\u0bb0\u0bcd $500,000\u0bb1\u0bc1\u0bae\u0bcd \u0b85\u0ba4\u0bbf\u0b95\u0baa\u0b9f\u0bcd\u0b9a \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0bb2\u0bcd \u0bb5\u0bc8\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Leo&nbsp;\u0baa\u0bcb\u0ba9\u0bbe\u0bb0\u0bcd \u0bb5\u0bc7\u0bb2\u0bc8\u0b85\u0bb4\u0b95\u0bc1 \u0ba8\u0bc0\u0ba4\u0bbf\u0bae\u0ba9\u0bcd\u0bb1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b9a\u0bbf\u0b95\u0bc8\u0bb5\u0bbf\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b8e\u0ba3\u0bcd\u0ba3\u0bbf\u0b95\u0bcd\u0b95\u0bc8 \u0b95\u0ba3\u0bcd\u0b9f\u0bc1, HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b85\u0bb5\u0bb0\u0bcd \u0baa\u0b9f\u0bbf\u0b95\u0bcd\u0b95\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0b95\u0b9f\u0bbf\u0ba4\u0bae\u0bcd \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bc8 \u0b85\u0bb1\u0bbf\u0bb5\u0bbf\u0ba4\u0bcd\u0ba4\u0bbe\u0bb0\u0bcd. \u0b87\u0bb0\u0bc1\u0baa\u0bc1\u0bb1\u0bae\u0bbe\u0b95 \u0b9a\u0bca\u0bb2\u0bcd\u0bb2\u0bbf\u0ba9\u0bcd \u0ba4\u0bca\u0bb2\u0bc8\u0b95\u0bcd\u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1, \u0b85\u0bb5\u0bb0\u0bcd $500,000 \u0bb5\u0bb0\u0bc1\u0b9f\u0bae\u0bbe\u0b95 $200,000\u0b95\u0bc1 $250,000 \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0b99\u0bcd\u0b95\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd.<\/p>\n\n\n\n<ul class=\"wp-block-list has-x-medium-font-size\">\n<li>Leo- \u0b95\u0bcd\u0b95\u0bc7 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0baa\u0bca\u0bb1\u0bbf\u0bae\u0bc1\u0bb1\u0bc8 $200,000\u0b95\u0bcd\u0b95\u0bc1 $500,000 \u0b87\u0ba9\u0bcd 40% \u0bb5\u0bb0\u0bc1\u0bb7\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0bae\u0bbe\u0bb1\u0bbe\u0ba4\u0bc1 \u0baa\u0bc6\u0baf\u0bb0\u0bcd \u0bb5\u0bbf\u0bb3\u0b95\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bbf\u0bb5\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0b95\u0bcd \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd.<\/li>\n\n\n\n<li>\u0b85\u0bb5\u0bb0\u0bcd \u0baa\u0b9f\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0b85\u0bb5\u0bb0\u0bcd \u0ba4\u0ba9\u0b95\u0bcd\u0b95\u0bbe\u0ba9 \u0bae\u0bc1\u0ba9\u0bc8\u0baa\u0bcd\u0baa\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0ba4\u0bcd \u0ba4\u0bcb\u0ba9\u0bcd\u0bb1\u0bbf\u0ba4\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0ba8\u0bcd\u0ba4\u0bc1 \u0b95\u0bb2\u0ba8\u0bcd\u0ba4\u0bc1\u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd \u0b85\u0bb5\u0bb0\u0bcd \u0b92\u0bb0\u0bc1\u0bb5\u0bb0\u0bcd \u0b95\u0bc2\u0b9f \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf\u0baa\u0bcd\u0baa\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0baa\u0ba4\u0bb5\u0bbf \u0baa\u0bcb\u0b9f\u0bc1\u0bae\u0bcd; \u0b85\u0ba4\u0ba9\u0bbe\u0bb2\u0bcd 100,000 \u0b87\u0ba9\u0bcd \u0baf\u0bbe\u0bb0\u0bc7 \u0baa\u0bc6\u0bb0\u0bbf\u0baf\u0bb5\u0bb0\u0b9f\u0bbe; \u0b86\u0ba9\u0bbe\u0bb2\u0bcd \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0ba8\u0bc7\u0bb0\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8\u0b95\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf\u0bbf\u0ba9\u0bcd\u0bb1\u0bc1\u0bae\u0bcd HCFM-\u0b95\u0bbe\u0b95 \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bb5\u0bbf\u0bb2\u0bcd\u0bb2\u0bc8.<\/li>\n\n\n\n<li>Leo&nbsp;\u0ba4\u0bbe\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb5\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0bb5\u0bbe\u0b9a\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd, \u0b9a\u0bae\u0bc0\u0baa\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0ba8\u0bcb\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0bae\u0bc7\u0bb1\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0bb5\u0ba4\u0bc1 HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0b8f\u0bb1\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf\u0ba4\u0bc1 \u0b8e\u0ba9\u0bcd\u0bb1\u0bbe\u0bb2\u0bcd, \u0b89\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b89\u0bb1\u0bc1\u0ba4\u0bbf \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0ba4\u0bcd\u0ba4\u0bbe\u0ba9\u0bcd \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/li>\n<\/ul>\n                    <\/div>\n                <\/div>\n                    <\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top columns-layout__left-col has-primary-to-secondary-gradient-background has-background is-layout-flow wp-container-core-column-is-layout-b9178209 wp-block-column-is-layout-flow\" style=\"border-radius:1.25rem;padding-top:1.5rem;padding-right:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;flex-basis:30%\">\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/\" rel=\"noreferrer\">\u0bae\u0bc2\u0bb2\u0bae\u0bcd \u0bb5\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bae\u0bcd<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/why-give\/\" rel=\"noreferrer\">\u0b8e\u0ba9\u0bcd\u0ba9\u0b95\u0bcd\u0b95\u0bbe\u0b95 \u0b95\u0bca\u0b9f\u0bc1\u0b95\u0bcd\u0b95\u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd?<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" 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href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%89%e0%ae%ae%e0%af%8d-%e0%ae%8e%e0%ae%a9%e0%af%8d%e0%ae%a9-%e0%ae%95%e0%af%8a%e0%ae%9f%e0%af%81%e0%ae%95%e0%af%8d%e0%ae%95%e0%ae%b2%e0%ae%be%e0%ae%ae%e0%af%8d\/%e0%ae%b5%e0%ae%be%e0%ae%b4%e0%af%8d%e0%ae%95%e0%af%8d%e0%ae%95%e0%af%88-%e0%ae%95%e0%ae%be%e0%ae%aa%e0%af%8d%e0%ae%aa%e0%af%80%e0%ae%9f%e0%af%81\/\" rel=\"noreferrer\">\u0b87\u0baf\u0bb1\u0bcd\u0b95\u0bc8 \u0b95\u0bbe\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%89%e0%ae%ae%e0%af%8d-%e0%ae%8e%e0%ae%a9%e0%af%8d%e0%ae%a9-%e0%ae%95%e0%af%8a%e0%ae%9f%e0%af%81%e0%ae%95%e0%af%8d%e0%ae%95%e0%ae%b2%e0%ae%be%e0%ae%ae%e0%af%8d\/%e0%ae%89%e0%ae%a4%e0%ae%b5%e0%ae%bf%e0%ae%af%e0%ae%be%e0%ae%b3%e0%ae%b0%e0%af%8d-%e0%ae%b5%e0%ae%b4%e0%ae%bf%e0%ae%95%e0%ae%be%e0%ae%9f%e0%af%8d%e0%ae%9f%e0%ae%bf%e0%ae%af-%e0%ae%a8%e0%ae%bf%e0%ae%a4\/\" rel=\"noreferrer\">\u0bb5\u0bbf\u0bb0\u0bc1\u0bae\u0bcd\u0baa\u0bbf\u0baf \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8\u0baf\u0bbe\u0bb3\u0bb0\u0bcd \u0ba8\u0bbf\u0ba4\u0bbf<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%b5%e0%ae%b3%e0%ae%99%e0%ae%95%e0%ae%b3\/\" rel=\"noreferrer\">\u0bae\u0bc2\u0bb2\u0bb5\u0bbe\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bb3\u0bcd<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\" rel=\"noreferrer\">\u0b8e\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0baa\u0bc1 \u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bb5\u0bc1\u0bae\u0bcd<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0b87\u0bb4\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bcd \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0ba9\u0bcd IRA, 401(k), 403(b), \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0baa\u0bbf\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0baa\u0bcd\u0baa\u0ba3\u0bbf\u0baf\u0bbe\u0b95\u0bcd\u0b95\u0bb3\u0bcd \u0b87\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b89\u0ba9\u0bcd \u0b86\u0baf\u0bc1\u0bb3\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bbf\u0bb2\u0bcd Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0b92\u0bb0\u0bc1 \u0baa\u0b9f\u0bbf\u0bb5\u0bae\u0ba4\u0bc1 \u0bae\u0bbe\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bb4\u0bbf\u0baf\u0bbe\u0b95 \u0ba4\u0bbe\u0b95\u0bcd\u0b95\u0bae\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0bb5\u0bb0\u0bbf \u0b85\u0bb1\u0bbf\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bc2\u0bb0\u0bcd\u0bae\u0bc8\u0baf\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0bb5\u0bb4\u0b99\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd. \u0ba4\u0b95\u0bc1\u0ba4\u0bbf \u0baa\u0bc6\u0bb1\u0bcd\u0bb1 \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 QCD (\u0b9a\u0bbf\u0bb2 \u0ba8\u0bc7\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u201cIRA \u0b85\u0bb1\u0bbf\u0bb5\u0bca\u0b95\u0bc1\u0baa\u0bcd\u0baa\u0bc1 \u0bae\u0bbe\u0bb1\u0bc1\u0ba4\u0bb2\u0bcd\u201d \u0b8e\u0ba9\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b85\u0bb4\u0bc8\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1) Holy Cross Family Ministries-\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0bb1\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bb5\u0b9a \u0baa\u0bb0\u0bbf\u0b9a\u0bc8 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