Gifts That Help Now

Many giving strategies can help your donors increase their impact on your organization immediately and its important initiatives while also building charitable tax advantages.

Charitable IRA rollover

If a donor has an Individual Retirement Arrangement, they’re likely familiar with the requirement that they must withdraw a certain percentage from their account beginning at age 72, commonly referred to as a required minimum distribution. Supporters aged 70½ and better may consider an IRA charitable rollover (up to $100,000) to a qualified charity and not have that transfer count toward their taxable income in the year that they make the charitable gift. Charitable rollover amounts could count toward the donor’s required minimum distribution.

Making a distribution from a Donor Advised Fund

A smart way to extend generosity is to establish a Donor Advised Fund. A DAF is the equivalent of a charitable investment or savings account. After donors make an initial tax-deductible contribution to the account, they can recommend distributions to your organization now or in future years. Any funds that remain in the account are invested tax-free (or fee-free) to grow charitable impact over time. If donors have a donor advised fund, now is a great time to consider a gift to your organization from their fund.

Giving an appreciated asset

Donors can multiply the impact of a charitable gift when they make the gift of appreciated assets, like stock, bonds, retirement assets and real estate. In addition to receiving an immediate charitable income tax deduction, their gift of appreciated assets may allow them to avoid or reduce capital gains taxes on the gifted asset.

Please encourage your donors to consult with their accountant or financial consultant for specific information about and potential strategies for their personal situation. We’d love to talk more with you about smart giving options and the ways they can benefit your organization’s mission. For more information, please reach out to your local Everence Charitable or Stewardship Consultant or visit our website at

Elyse Kauffman
Charitable Consultant, Everence


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