| IF YOUR GOAL IS TO: |
ASK US ABOUT A: |
AND CONSIDER THIS: |
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- Keep control of your assets throughout your life.
- Avoid estate taxation.
- Leave a philanthropic legacy.
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Bequest |
You can create a bequest through your Will/Trust stating a specific amount or a percent of your estate; or by changing the beneficiary on a life insurance policy, annuity or retirement account. Click here for Wills & Bequests Guidelines. |
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- Exchange low yielding assets for a fixed lifetime income, partially tax-exempt.
- Generate a current income tax deduction.
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Charitable Gift Annuity |
Income can begin immediately or deferred to a later date when payments received are larger. |
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- Retain the right to live in your residence for life.
- Use the equity in your home to generate additional retirement income.
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Life Estate Agreement Plus Charitable Gift Annuity |
If your situation changes, you can rent the property to others
OR exchange your life estate for cash or annuity income. |
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- Receive lifetime income with potential for growth.
- Avoid capital gain tax at sale of appreciated asset...real estate (rental, residence, etc.) stocks and mutual funds.
- Generate a current income tax deduction.
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Charitable Remainder Unitrust |
Year to year income varies with trust performance. Flexible design allows full income distributions immediately or minimum distributions at the start and increased cash flow at a future date. |
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- Assure your philanthropic legacy lives forever.
- Fund long-term programs, carrying family name and/or causes through the generations.
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Endowment Gift |
An endowment can be funded outright; or by a multi-year pledge, bequest, or designated remainder from either a trust (CRT) or annuity (CGA). |
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- Transfer assets to children or grandchildren over time while heavily discounting gift or estate taxes.
- Provide annual support to a charity for a term of years.
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Charitable Lead Trust |
This trust avoids “all the money at once” inheritance; children/grandchildren receive lump-sums deferred for specified terms...5 years, 10 years, etc. |
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- Have a predictable, fixed income not subject to market fluctuations.
- Avoid capital gain tax at sale.
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Charitable Remainder Annuity Trust |
Fixed income for life or a set term of years (5,10,15 or 20) for short-term needs such as early retirement (first 10 years until Social Security/Pension start) or college funding for heirs. |
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- Gift a life insurance policy which is no longer needed.
- Maximize the size of your testamentary charitable legacy.
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Gift of Life Insurance |
You can gift either a paid-up insurance policy or make annual gifts to a qualified charity to fund the ongoing premiums. |
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- Avoid double taxation (income and estate tax) on your IRA balance at death.
- Fund a charitable bequest.
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Gift of IRA |
A qualified charity can be a full or part beneficiary to your IRA account. Pending legislation may make lifetime transfers work. |
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- Avoid capital gains tax on sale of stock, mutual funds or real estate.
- Generate tax deduction for full market value.
- See your philanthropy at work.
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Outright Gift of an Appreciated Asset |
Asset must be held long-term (one year + one day). |
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- Sell appreciated real estate for both cash and income.
- Generate a tax deduction to offset initial gain on cash portion.
- Defer taxation on balance using installment sale treatment.
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Installment Bargain Sale |
This technique may be the best for indebted real estate. |
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- Advise the direction of your philanthropic gifts.
- Support programs, equipment or research of your choosing.
- See your philanthropy at work.
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Donor Advised Fund |
You may involve family member(s). Your fund can span generations. |
