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 St. Bonaventure University 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 by check or credit card   Maximum deductibility

    Gifts of unneeded life insurance policies   Charitable deduction for policy’s value; future premiums deductible

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

    Gifts of a fraction or percentage of property   Partial deductions plus capital gains tax avoidance

    Gifts of appreciated real estate   Enhanced deductions plus capital gains tax avoidance

    Gifts of appreciated securities   Enhanced deductions plus capital gains tax avoidance

 
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 “death tax” savings plus income tax savings if you leave “tax-burdened assets”

    Beneficiary designations on financial accounts   Control of financial resources during life; potential “death tax” savings

    Beneficiary designations on life insurance   Financial security from policy during life; potential “death 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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