Charitable Giving & Estate Planning: Support the work of the Homeless Children’s Education Fund while meeting your own financial and charitable goals. Gifts can help avoid or reduce capital gains and estate taxes; provide annual income for you or a beneficiary while preserving the principal assets for HCEF; involve property or insurance; or be deferred as part of a will or living trust. Below are some of the many options available. Let us help you through your generosity to HCEF.
- Outright Gifts & Appreciated Securities: A gift of cash is fully tax-deductible up to 50% of your adjusted gross income. Gifts of long-term, appreciated securities held for over one year are exempt from capital gains taxes and tax-deductible for the market value of the donated securities at the time of transfer for up to 30% of your adjusted gross income. Any deductible excess of cash or appreciated securities gifts above the adjusted gross income maximum can be carried forward for up to five additional years.
- Life Income Gifts: You can make a gift to HCEF and receive direct financial benefits; an income for life for yourself, your spouse, and/or your children; and a charitable income tax deduction. Capital gains taxes can also be reduced or avoided when using long-term appreciated securities to fund the annuity or trust.
- Gifts Through Your Will: Making a gift through your will or “living trust” could be the most realistic way to provide a substantial contribution to HCEF and obtain major benefits for yourself and your estate. A gift through your estate may reduce or even eliminate federal estate taxes. Most states provide estate or inheritance tax benefits for gifts through an estate to non-profit organizations such as HCEF.
- Gifts of Life Insurance: You can name HCEF as a primary, secondary, final, or remainder beneficiary of your current policy. You can also assign your yearly dividends to HCEF. You can give a fully paid policy or one on which you are still paying premiums, or obtain a new policy.
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