Gifts That Pay You Income
Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.
Charitable Gift Annuities
Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.
Charitable Remainder Trusts
Income for life for you and your family while reducing your taxes. By using assets or cash to fund the trust, you receive income and an income tax credit the year in which you transfer your assets. The remaining portion of the trust, after all payments have been made, comes to you.
The Comprehensive Guide to Charitable Gift Annuities: Secure Your Income and Your Legacy
In an era of market volatility, finding a balance between personal financial security and the desire to give back can be challenging. At Global Investment Strategies (GIS), we specialize in advanced philanthropic tools that provide "Income for Life" while empowering your charitable vision.
What is a Charitable Gift Annuity (CGA)?
A Charitable Gift Annuity is a simple contract between you and a qualified organization. In exchange for an irrevocable gift of cash, securities, or other assets, you receive a fixed, guaranteed payment for the rest of your life.
How a CGA Works: The Financial Mechanics
The Initial Gift: You transfer assets (typically $10,000 or more) to a chosen charity
Fixed Payouts: Based on your age at the time of the gift, you receive a set annual amount. These rates are often guided by the American Council on Gift Annuities (ACGA).
The Charitable Remainder: Upon the passing of the last beneficiary, the remaining funds go directly to the organization to support their mission.
The 2026 Tax Benefits of Gift Annuities
One of the primary reasons clients choose GIS to facilitate their CGA is the significant tax advantage:
Immediate Deduction: You may be eligible for a federal income tax charitable deduction in the year you make the gift.
Capital Gains Savings: If you fund your CGA with appreciated stock, you can often minimize or spread out capital gains taxes.
Tax-Free Income: A portion of your annual payment may be considered a tax-free return of principal for a period of time.
Is a Charitable Gift Annuity Right for You?
A CGA is often ideal for individuals aged 60+ who have low-yielding assets and want to increase their cash flow without the risks associated with the stock market.
CGA Planning
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Global Investment Strategies provides educational planning concepts and does not provide legal or tax advice. All concepts should be reviewed with your qualified attorney, CPA, or tax professional
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