Life Stage Gift Planner™

Ages 22-44

At this stage in life, some of the financial issues donors may find themselves dealing with are:

• Increasing income
• Managing debt
• Accumulating assets
• Starting discretionary savings programs
• Long-range planning for retirement and emergencies
• Establishing a growth strategy for investments
• Creating a simple will and estate plan providing for heirs and bequests to charity

For the charitably inclined, certain types of gifts can provide solutions to taxing problems:

Cash, check, and credit card
A gift of cash is easy to make, and the gift is not subject to gift or estate tax. A contribution of cash or by a check that is postmarked in December is deductible for that tax year—even if UJA-Federation receives it in January—provided the account against which the check was written had sufficient funds to cover it in December. A contribution by credit card must be made by December 31 in order to be deductible for that tax year.

Gifts of appreciated securities
A charitable gift of long-term appreciated securities can provide a double benefit—an immediate income-tax deduction for the full fair-market value of the securities and the avoidance of capital-gain tax.

Life insurance
A gift of life insurance can be an excellent way to make a substantial gift on the installment plan, and if donor irrevocably transfers full ownership of the policy to UJA-Federation, donor is entitled to an income-tax deduction for each premium payment.

Charitable bequest
If donor would like to make a substantial gift to charity but does not have the current disposable income or assets to do so now, consider a charitable bequest.

Retirement-plan benefits
It is quite likely that your retirement-plan benefits will be your single largest asset, and naming us a beneficiary can benefit family and support charitable intentions.

Please contact us for more information!