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Planned Giving

Planned Giving and Endowments

There are many ways to contribute to creating lasting local social change, and each are as unique as the person or family making the gift:

Memorial & Tribute Gifts: A thoughtful way to honor your friends or loved ones.

Outright Gifts: Make your annual gift last forever by endowing your support.

Stocks, Bonds & Securities: Alternatives to cash donations that are a win-win for you and United Way if you’ve held highly appreciated stock for one year or longer. Download more information about how to make a gift of stock.

IRA or Retirement Funds: If you are 70 1/2 and own a IRA or Roth IRA, you may make tax free donations up to $100,000 in calendar year 2014.

Bequests: Name United Way of Northwest Vermont as a beneficiary of your will, in your trust or 401K or 503B Retirement plan.

Charitable Gift Annuities (CGA): Make a charitable gift with you and/or loved ones receiving fixed payments for life. A CGA can also be deferred until some time in the future.

Charitable Remainder Trusts (CRT): Name United Way of Northwest Vermont as a beneficiary of the income stream of your trust assets.

Life Insurance Policies: Naming United Way of Northwest Vermont as a beneficiary of a life insurance policy allows individuals and families to make a larger gifts than they would have otherwise thought possible.

Gifts of Stock

Giving long-term appreciated securities may provide greater benefits to both you and us. By donating stock, your gift does not reduce your daily cash flow and you may save on taxes by reducing Income tax, Capital Gains tax, and Medicare surtax. Use the United Way World Wide stock calculator to find out how you can save and download instructions on how to make a gift of stock.

Here’s an illustration of potential benefits of donating appreciated stock: let’s say an individual contributes $10,000 in stock with a basis of $2,000. They are in the 33% Federal Tax bracket and also subject to the Medicare surtax.

 

Cash

Stock

Size of Gift
$10,000
$10,000
Income Tax Savings*
$3,300
$3,300
Capital Gains Tax Savings
$ - 0 -
$1,200
Medicare Surtax
$ - 0 -
$304
“Cost” After Tax Savings
$6,700
$5,196

A gift of stock would result in an additional tax $1,504 savings over the same size gift of cash.

*Does not include the impact of a percentage reduction in itemized deductions that may impact some taxpayers. Always consult your personal financial or tax advisor to see how a gift of securities can benefit you. The stock must be held for more than a year. Illustrated for tax laws as of 01/01/2013.

LEARN MORE

For more information about gifts of stock, endowments and planned giving, connect with Ruthann Hackett at ruthann@unitedwaynwvt.org or (802) 861-7831.

DOWNLOADS


2015 Case for Leadership (United Way of Chittenden County) -- DownloadbuttonDownload-0001.png
How to make a gift of Stock -- DownloadbuttonDownload-0001.png
 

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