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How to Give

Contact me to learn how confidential, personal financial planning can help you achieve your goals while helping to sustain our life-changing mission.

Richard Metzgar

Associate Director Planned Giving
410-507-5779
[email protected] (email)

Making an impact in your community can be done either directly or through a gift that can provide tax benefits and even income.

CHARITABLE GIFT ANNUITY

You transfer your cash, tangible assets and appreciated stock to The Salvation Army in exchange for our promise to pay you fixed payments (with rates based on your age) for the rest of your life and the life of a loved one.

You may be tired of living at the mercy of the fluctuating stock and real estate markets. A charitable gift annuity is a gift made to The Salvation Army that can provide you with a secure source of fixed payments for life.

Benefits of a charitable gift annuity

Receive fixed payments to you or another annuitant you designate for life
Receive a charitable income tax deduction for the charitable gift portion of the annuity
Benefit from payments that may be partially tax-free
Further the charitable work of The Salvation Army with your gift

How a charitable gift annuity works

A charitable gift annuity is a way to make a gift to support The Salvation Army.

You transfer cash or property to The Salvation Army.
In exchange, we promise to pay fixed payments to you for life. The payment can be quite high depending on your age, and a portion of each payment may even be tax-free.
You will receive a charitable income tax deduction for the gift portion of the annuity.
You also receive satisfaction, knowing that you will be helping further our mission.

If you decide to fund your gift annuity with cash, a significant portion of the annuity payment will be tax-free. You may also make a gift of appreciated securities to fund a gift annuity. Please contact us to inquire about other assets that you might be able to use to fund a charitable gift annuity.

CHARITABLE REMAINDER UNITRUST

You transfer your cash or appreciated assets to fund a charitable remainder unitrust. The trust sells your property tax free and provides you with income for life or a term of years.

You may be concerned about the high cost of capital gains tax with the sale of an appreciated asset. A charitable remainder unitrust might offer the solutions you need!

Minimum gift amount is $100,000

Benefits of a charitable remainder unitrust

Receive income for up to two lives and an additional 20 years
Preferential capital gains on the sale of your appreciated assets
The Trust is invested by The Salvation Army to pay you, and another beneficiary for life if you choose, and additional beneficiaries for a term of up to 20 years.
Establish a future legacy gift to The Salvation Army

How a charitable remainder unitrust works

You transfer cash or assets to fund a charitable remainder unitrust.
In the case of a trust funded with appreciated assets, the trust will then sell the assets tax-free.
The trust is invested to pay income to you or any other trust beneficiaries you select based on a life, lives, a term of up to 20 years or a life plus a term of up to 20 years.
You receive an income tax deduction in the year you transfer assets to the trust.
The Salvation Army benefits from what remains in the trust after all the trust payments have been made.

CHARITABLE REMAINDER ANNUITY TRUST

You transfer your cash or appreciated property to fund a charitable remainder annuity trust. The trust sells your property tax free and provides you with fixed income for life or a term of years.

Minimum gift amount is $100,000

Benefits of a charitable remainder annuity trust

Receive fixed income for one or two lives.
Preferential Treatment of Capital Gains tax on the sale of your appreciated assets
Receive an immediate charitable income tax deduction for the charitable remainder portion of your gift to The Salvation Army

How a charitable remainder annuity trust works

You transfer cash or assets to fund a charitable remainder annuity trust.
In the case of a trust funded with appreciated assets, the trust will then sell the assets tax-free.
The trust is invested to pay fixed income to you and another beneficiary.
You receive an income tax deduction in the year you transfer assets to the trust.
The Salvation Army benefits from what remains in the trust after all the trust payments have been made.

CHARITABLE LEAD TRUST (FOR FAMILY)

You fund a trust that makes gifts to us for a number of years. Your family receives the trust remainder at substantial tax savings.

If you are looking for a way to pass on some of your assets to your family while reducing or eliminating gift or estate taxes, a charitable lead trust is an excellent option.

Benefits of a charitable lead trust

Receive a gift or estate tax charitable deduction
Pass inheritance on to family at a reduced or zero cost
Establish a vehicle from which you can make annual gifts to charity

How a charitable lead trust works

You make a contribution of your property to fund a trust that pays The Salvation Army income for a number of years.
You receive a gift or estate tax deduction at the time of your gift.
After a period of time, your family receives the trust assets plus any additional growth in value.

SALE AND UNITRUST

You give a portion of your property to us to fund a charitable remainder trust, when the property sells you receive cash and income for life.

Are your appreciated assets, such as stock, bonds or real estate, producing little or no income?

If you sell your appreciated assets, you will pay a large capital gains tax. A sale and charitable remainder unitrust may be the solution.

Benefits of a sale and unitrust

Receive cash from the sale. You can use this cash to purchase another residence, to save for retirement, to travel, to meet your daily needs or to meet some other financial goal
Receive income from the unitrust for the rest of your life and future retirement
Obtain an income tax deduction
Further the work of The Salvation Army with your gift

How a sale and unitrust works

You establish a charitable remainder unitrust and transfer a portion of your assets to the trust.
The assets are then sold. You receive cash from the sale, and the rest of the sale's proceeds are paid to the charitable unitrust.
The trust will provide you with income for the rest of your life.
You receive a charitable deduction that may help to offset your tax on the cash proceeds that you receive from the sale.

GIVE IT TWICE TRUST (HELP FAMILY & CHARITY)

You provide your children with a stream of income while making a gift to charity.

You may be looking for a way to provide your children with income while making a gift to The Salvation Army. The "give it twice" trust is a popular option that allows you to transfer your IRA or other asset at death to fund a term of years charitable remainder unitrust. We call this kind of unitrust a give it twice trust because you can use the trust to pay income first to your family for a number of years and then distribute the balance of the trust to charity.

Benefits of a give it twice trust

Use the full value of your unused retirement account to provide income to your surviving spouse and to provide income to children or other loved ones for a specified period of time
Create an estate tax deduction and savings from the charitable gift
Support the important charitable work of The Salvation Army

How a give it twice trust works

We can help you and your attorney with the process of creating a charitable remainder unitrust.
The trust will pay income to your spouse, children or other individual beneficiaries for their life, term of years or life plus term of years.
At the conclusion of the payments, the balance of the trust will be transferred to The Salvation Army.

LIFE ESTATE RESERVED

You give your property to The Salvation Army but retain the right to use the property during your life.

You may desire to leave your home or farm to The Salvation Army but would also like to receive a current charitable income tax deduction. A life estate reserved might offer the solution you need!

Benefits of a life estate reserved

Receive a federal income tax deduction for the value of the remainder interest in your home or farm
Preserve your lifetime use and control of your home or farm
Create a life estate based on more than one life. This will preserve the use of the property for you and a loved one, such as a spouse or dependent child

DONOR ADVISED FUNDS

IMPORTANT MESSAGE:
Most Supporters who leave a legacy in their estate plans, want their future gift to be used for the local community. Please contact me for the specific wording to use in your Will, Trust or Retirement Plan to make certain that your gift supports The Salvation Army location and program that you would want to benefit.