by Jason Krautkramer, J.D. Eckert & Krautkramer, LLC 325 N. 1st Ave., Suite 1 Wausau, WI 54401 715-842-0907 jason@eckertlawllc.com How Does My Annuity Fit Into My Estate Plan? In addition to being a financial tool for you, annuities can have a positive impact after you’re gone, but you need to complete the beneficiary paperwork so the annuity goes to the people you want to leave it to. There are different ways you can build death benefits into your annuity. With a standard death benefit, the value of the annuity at the time of your death is passed to your beneficiary. With a return of premium death benefit, either the current value or the initial premium (whichever is greater) is distributed to your beneficiary. With a stepped-up death benefit, the highest anniversary value is distributed to your beneficiary. Taxes are a fact of life. After your death, the annuity will be taxed to your beneficiary as ordinary income. Give us a call today so we can review your current annuities and explore ways to get more out of them for you and your family in the long run. 83284

Dorothy E. Hartman, age 103, of Marshfield passed away early Sunday, Dec. 22, 2019 at Wells Nature View in Marshfield, where she has been a resident for the last 14 months. Before moving to Nature View, Dorothy lived at her home on Felker Avenue. A memorial service was held at 11 a.m. Friday, Dec. 27, 2019, at Immanuel Lutheran Church, (604 Chestnut Ave.) in Marshfield. Visitation was from 10 a.m. until the time of service on Friday at the church. Burial will take place in the spring at Dorchester Cemetery. Dorothy was born July 29, 1916, the daughter of Arthur and Nora (Krackenberger) Herman in Dorchester. She graduated from Dorchester High School in 1934. Dorothy was united in marriage to Fredrick H. Hartman at Dorchester on July 9, 1946, two years after Fred returned home from serving seven years in the U.S. Navy. After graduation Dorothy worked as a retail clerk for the Dorchester Co-Op, and after moving to Marshfield in 1953 she worked for the next 37 years at McClellans which later became McCrory’s Variety store. On her 100th birthday the Hub City Times asked her what she did to reach such a milestone. She answered “I never had a driver’s license so I walked a mile each day to work and back for 37 years-no wonder I can’t walk anymore,” she laughed. On her 100th birthday she received greetings from State Representative Bob Kulp, Congressman Sean Duffy and presidential candidate, Donald J. Trump. Dorothy was a member of Immanuel Lutheran Church in Marshfield. Dorothy was an avid Packer fan. She knew the names of all the players and watched or listened to every game. The famous Packer receiver, Max McGee, visited Dorothy at her home and autographed a picture of himself which she proudly displayed. Dorothy never had any children of her own but was always proud of her nieces and nephews, who remained close to her throughout her life. We will miss her: Russell (Gloria) Sebold, Duane “Dewey” David (Danielle) Sebold, Joseph (Carole) Herman, Kim (Steve) Rixen, Lynn (Bill) Ricker, Kenneth (Julie) Herman and Brian (Tammy) Herman. Dorothy is preceded in death by her parents: Arthur and Nora; husband, Fred; brother, Kenneth; niece, Gwen Sebold; and all other siblings and spouses: Clifford (Mildred) Herman, Geraldine (Louis) Sebold, Myrtle (Tom) Glasbrenner and James (Eldrid) Herman. The family of Dorothy want to sincerely thank friend, Carole Luepke; and caregivers, Darlene Regele, Helen Stockheimer and Jan Hertel for the wonderful care and friendship they shared with Dorothy for many years. Those wishing to express their sympathies may do so toward the “Gwen D. Sebold Fellowship for Outstanding Research” through the Marshfield Health System Research Institute at 1000 N. Oak Avenue, Marshfield, WI 54449 Online condolences may be made at www. hansenschillingfuneralhome.com. Paid obituary 83155