Planned Giving Opportunities

While cash gifts are always needed, there are several creative ways to give as part of your financial and estate plan, and some approaches offer significant tax savings. Planned gifts require advance planning to execute the gift.

Expand Your Giving Beyond Cash

• Stocks and Bonds. Donating appreciated stock or bonds often can be more advantageous to you than giving cash. If you give appreciated securities held longer than one year, you can deduct their full fair market value, regardless of what you originally paid for them.
  
  
• Real Estate. Gifts of real estate – including personal residences, commercial buildings, farms, and parcels of land can be an excellent way to contribute. These types of gifts qualify for a charitable income tax deduction based on the appraised fair market value of the property.
  
  
• Business Shares. If you own shares in a business, it may be advantageous to donate some of those shares. As a donor, you will receive a charitable income tax deduction for their appraised value.

Make a Gift that Costs Nothing During Your Lifetime

• Wills and Trusts. An easy and low-cost way to make a planned gift if to include All God’s Children in your will or revocable trust. Individual legacy gifts contribute to our financial strength and our ability to meet the needs of our mother and babies.
  
  
• Retirement Plans. Qualified retirement plans may be the most tax-burdened asset you own. If you die before you have taken all of your distributions from your IRA, 401 (k), Keogh, SEP, or other qualified plan, the balance remaining in your plan can be subject to multiple taxes that can claim up to 75% of its value, leaving as little as 25 cents on the dollar for your heirs.
  
• Life Insurance. If you are carrying more life insurance coverage than your family obligations now require, you may want to consider donating an unneeded, paid policy.

Make Giving Part of your Investing Strategy

• Charitable gift annuity. A charitable gift annuity returns guaranteed income. In exchange for your irrevocable gift of cash, securities, or other assets, All God’s Children will agree to pay one or two people you name a fixed sum each year for life.
  
  
• Deferred gift annuity. If you are younger than 65, a deferred gift annuity can boost your income when you retire. The deferral gives you both a larger charitable deduction now and a higher income rate at retirement than you could receive from an annuity that pays you immediately. Many donors set payments to begin at a future date when they or their spouse will need additional income.
  
  
• Charitable remainder unitrust. A charitable remainder unitrust is a separately invested and managed charitable trust that pays a percentage of the principal, re-valued annually, to you, your spouse, or other income beneficiaries for life or a maximum term of 20 years. You receive a charitable income tax deduction for a portion of any gift you make to the trust. After the unitrust terminates, the accumulated principal or “remainder interest” goes to All God’s Children.
  
  
• Charitable remainder annuity trust. Charitable remainder annuity trust is similar to the charitable remainder trust and pays you, your spouse, and/or other beneficiaries a fixed annuity income for life or a maximum term of 20 years.
  
• Charitable lead trust. If you have a large estate and are looking for ways to pass more on to your heirs, a charitable lead trust may be an excellent plan for you. It is a gift plan that allows you to transfer assets to future generations at a significantly reduced gift or estate tax cost, while providing a stream of income to All God’s Children for a term of years.
  

The method by which you contribute can determine the tax benefits. Since each situation is unique, we urge you to consult with your legal and financial advisors for the most comprehensive and up to date information. We would be happy to meet with you and your financial consultants to help you fulfill your wishes and arrange the legacy you desire.

To discuss how planned giving benefits you, your family and All God’s Children contact the Development Department at 859.881.5010 to help you leave the legacy you desire.