It takes about 15 years for our perceptions to catch up with reality. Americans are just beginning to understand that the majority of elderly people are living well into their 80s and 90s -- rather than the “three score and ten” we were once told to expect out of life. So how does Americans’ increasing longevity affect major giving? By focusing on bequests and planned gifts, many charitable organizations will actually bring in more money from a broader base of supporters than they can through a focus on currents gifts. A recent Merrill Lynch survey revealed that adults ages 45 to 64 are

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