When Darcy Howe's children were 12 and 10, she and her husband, John Black, planted a seed of giving. Hoping to give the kids perspective on the world outside of their comfortable upbringing, they set up the Katie and Andrew Fund at the Greater Kansas City Community Foundation in 2000. "The idea was to put structure around our parenting on financial issues and the kids' social education," Darcy said.

Each year Katie and Andrew review the fund's returns and get involved by going on site visits to their favorite charities. Darcy says making a financial donation is only part of the fund's benefit. "It's not just about the money. The fund has had a ripple effect in getting the kids more involved in volunteer efforts. They're discovering which causes mean the most to them, like their support of Ronald McDonald House. This philanthropic self discovery is important for their future and the future of our community."