Planned Giving

Stocks and Bonds

• Gifts of appreciated securities provide appealing tax deductions, helping you avoid capital gains tax on the securities appreciation.
• Shares of mutual funds can be contributed just like stocks and bonds, and the same tax benefits apply.
• Stocks, bonds, and mutual funds can be used to fund popular life income plans. Among the advantages are:
  • Current income tax deductions
  • Fixed or variable income for life
  • Reducing or avoiding capital gains taxes
  • Elimination of federal and state death taxes

For more information, please request the pamphlet, The Benefits of Giving Stocks and Bonds.

Real Estate

For more information, please request the pamphlet, The benefits of giving Real Estate

Estate Planning

Good estate planning can include various instruments that benefit you and others during your lifetime and beyond.

For more information, request the pamphlet Your Guide to Basic Estate Planning.

Wills

For more information, please request the pamphlets Your Guide to a Better Will and Your Guide to Making a Will

Trusts

A trust is a sophisticated instrument used by Americans today for the prudent and flexible management of their assets. A trust enables you to create a financial plan that meets not only your own current needs but ultimately the needs of beneficiaries who survive you. It allows you to protect your assets, cut estate settlement costs and reduce taxes.

• Living trust:
  You direct the trustee (who can be yourself) to hold the principal, manage its investments, pay you the income earned, and keep you informed about all transactions. The trust can continue after your lifetime for the benefit of your family or others. The assets of a living trust avoid the costs, delays and publicity of probate.
• Testamentary trust:
  You can create a trust in your will for the benefit of your spouse, children, or other family members (family trust). You direct the trustee to pay the income to them or for their benefit. You can authorize the trustee to advance principal for the needs of the beneficiaries, an event called invading the principal.
• Charitable remainder trust:
  You can establish a trust to pay a life income to yourself or a loved one, after which the remaining principal is given to your favorite charitable organization.
• Charitable lead trust:
  You can establish a trust to pay income to the charitable organization of your choice, after which your beneficiaries receive the remaining principal.

For more information, request the pamphlet Your Guide to Trusts and Their Benefits

Charitable Giving

For more information, please request the pamphlet Your Guide to Charitable Planning Strategies

This information is not intended as specific legal advice. For legal advice when considering any legal matter, please consult an attorney.