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Design Your Gifts for Maximum Benefit

Below is a list of gift ideas, options and benefits that can make the most of your support for ProLiteracy while maximizing your tax and financial rewards.  Select your objective(s), then check the option(s) that fit your situation.  Click the "Compare Options" button for a summary of your gift opportunities. We encourage you, of course, to call our office with any questions.

Your gift
objective is to:

Your options include:

Your benefits usually include:

Make a gift this year

Gifts of appreciated securities

Enhanced deductions plus capital gains tax avoidance

Gifts of appreciated real estate

Enhanced deductions plus capital gains tax avoidance

Gifts of a fraction or percentage of property

Partial deductions plus capital gains tax avoidance

Gifts of a share of your business

Large deductions plus capital gains tax avoidance and continued control of your business

Gifts of unneeded life insurance policies

Charitable deduction for policy’s value; future premiums deductible

Gifts by check or credit card

Maximum deductibility

Make a gift this year but retain lifetime income

Charitable gift annuities

Fixed payments for life, for you and/or another recipient, plus deductions and other tax benefits

Charitable remainder annuity trusts

Fixed payments for life for you and/or others, plus a current deduction

Charitable remainder unitrusts

Variable lifetime payments for you and/or others, with extra planning flexibility in achieving your goals

Make a gift this year of a personal residence or farmland while retaining lifetime use

Gifts of “remainder interests” in property

Charitable deduction this year plus future federal estate tax savings

Make a gift this year that helps build your retirement nest egg

Deferred charitable gift annuities or “flip” unitrusts

Current charitable deductions, with large payments starting in a future year

Make a gift this year that pays income to charities for a limited number of years

Charitable lead trusts

Reduced gift taxes, estate taxes and/or income taxes; trust assets eventually return to you or family members

Make an important gift after death

Bequests from wills or living trusts

Control of all your resources during life; potential federal estate tax savings plus income tax savings if you leave tax-burdened assets

Beneficiary designations on financial accounts

Control of financial resources during life; potential federal estate tax savings

Beneficiary designations on life insurance

Financial security from policy during life; potential federal estate tax savings

Beneficiary designations on IRAs or other retirement accounts

Future income tax and estate tax savings; lifetime use of accounts

Bequests for charitable gift annuities or charitable remainder trusts

Lifetime income for a surviving spouse or other heirs; potential estate tax savings

Charitable lead trusts that pay income to charities after death

Large estate tax savings; heirs later receive all trust assets


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