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Make a Gift That...
Consider Your Options
Contrary to popular belief, Estate Planning and Planned Giving are not just for the wealthy. Indeed, for most of us, it is particularly important that we devote our attention to estate planning to insure that our assets (however limited or substantial) are used wisely.
We invite you to explore giving options that fit your objectives: financial, personal, and philanthropic. By thoughtful will and trust arrangements you can benefit those who mean the most to you—including the charitable causes you support.
Select an option from one of the three tabs above to begin your research.
What are my giving options for a gift that costs nothing during my lifetime?
Make a gift from my estate.
Give my home now, but continue to live in it.
NextYour Decision Path
A gift that costs nothing during my lifetime.
What are my giving options?
Make a gift that pays me or my loved ones an income.
A win-win situation: a gift to us and income for you.
"Loan" an asset for some time, then pass it to family.
Give up control temporarily while preserving your estate.
Your Decision Path
A gift that gives me benefits.
What are my giving options?
Make a gift using cash.
Easy to give. Provides the largest tax deduction.
Make a gift using assets other than cash.
Receive a deduction for the full value. Avoid capital gains tax too.
"Loan" an asset for some time, then take it back.
Give up control temporarily and receive generous tax benefits.
Your Decision Path
Immediate tax benefits.
How does it work?
Gifts of cash provide you with the maximum allowable charitable deduction - more than gifts made using assets other than cash. The IRS allows you to claim a charitable deduction for gifts of cash up to 50% of your adjusted gross income each year. Gifts made using checks and credit cards are considered gifts of cash and receive the same tax benefit.
Your Decision Path
Cash gift.
"Loan" an asset, then take it back.
It's called a charitable lead trust.
- You place assets in trust for a number of years. You select the time frame.
- During that period, we receive income from the trust. You select the payout percentage. You receive an income tax deduction.
- At the end of the trust, control of the assets reverts back to you.
This arrangement may be right for you if:
- You have a large amount of income in one year, or
- You are in a high income tax bracket and can afford to give up control of an asset temporarily.
Your Decision Path
"Loan" an asset, then take it back.
How does it work?
By using an asset other than cash to make a gift, you can double your benefit.
- Avoid or delay capital gains if the asset has appreciated.
- Receive a deduction for the full value of the asset.
- And you provide vital support for our mission.
Your Decision Path
Make a gift using assets other than cash.
What can I use to make a gift?
Appreciated Securities
Take stock by giving it. Avoid capital gains and deduct the full value.
Real Estate
Rising values mean a substantial deduction for your gift of real estate.
Personal Property
Share your passion for collecting with us.
Other assets you can use for making a gift.
Your Decision Path
Make a gift using assets other than cash.
What can I use to make a gift?
Other assets you can use:
Business Interests
Closely-held stock can provide vital support.
Partnership Interests
Cement your partnership with us and receive a tax deduction.
Life Insurance
Convert excess coverage into a significant gift.
Your Decision Path
Make a gift using assets other than cash.
What can I use to make a gift?
Other assets for making a gift.
It's true! You can even get a deduction. It's called a retained life estate.
Make a significant gift with the most valuable asset you hold, without disturbing your income or your lifestyle.
Your Decision Path
A gift that costs nothing during my lifetime.
Give my home now, but continue to live in it.
How does it work?
It's called a charitable bargain sale.
- You sell us your residence or other property for substantially less than the appraised market value. We pay you in cash.
- This results in a transaction that is part sale, part gift.
- You receive an immediate income tax deduction for the value of the gift portion.
- You pay no capital gains tax on the gift portion.
- You receive cash to retire a mortgage or for other purposes.
Your Decision Path
A gift that gives me benefits.
A gift that pays me a sum of cash.
What assets can I use?
Most of the gift arrangements shown can be funded with any of the following assets.
- Cash: Universally accepted. The easiest way to fund a gift.
- Appreciated Securities: The more appreciation, the more you can save on capital gains.
- Real Estate: Free and clear is best, but all properties will be considered.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
First choose a payment option.
I prefer fixed payments. My income will never change.
I am comfortable with variable payments. My income may increase over time.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Payment options.
When would you like payments to begin?
I would like income payments to begin immediately.
I can wait to receive income payments until some point in the future.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Fixed payments.
When would you like payments to begin?
I would like income payments to begin immediately.
I can wait to receive income payments until some point in the future.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Variable payments.
Your giving options:
Variable payment, immediate income.
Charitable Remainder Unitrust
As the trust grows, so do your income payments.
Pooled Income Fund
This gift plan works like a mutual fund.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Immediate income.
Your giving options:
Variable payment, immediate income.
Charitable Remainder Unitrust
Can be structured to defer income payments until you decide. For example, use as a secondary retirement account. Start receiving payments at retirement.
Flip Unitrust
Got property? Convert it into income with this flexible arrangement.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Income in the future.
Your giving options:
Deferred Charitable Gift Annuity
Give now, receive later. Easy to establish. Attractive tax benefits. Note: to qualify, a donor must have reached age 65 by the time payments begin.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Immediate income.
Your giving options:
Charitable Gift Annuity
Simple and reliable. Significant tax benefits too. Note: must be 55 or above to qualify.
Charitable Remainder Annuity Trust
A powerful tool that gives you hands-on involvement in your plan.
Your Decision Path
A gift that gives me benefits.
A gift that provides an income.
Income in the future.
"Loan" an asset, then pass to family.
It's called a charitable lead trust.
- You place assets in a trust for a number of years. You select the time frame.
- During that period, we receive income from the trust. You select the payout percentage.
- At the end of the trust, control of the assets passes to your family.
- Although you do not receive an income tax deduction, you are able to preserve your estate and minimize transfer taxes.
This arrangement may be right for you if:
- You have assets you wish to pass to family, and you expect those assets to appreciate in the future.
- You have a taxable estate and wish to maximize your available exemptions.
Your Decision Path
A gift that gives me benefits..
"Loan" an asset, then pass to family.
How do you want to structure your gift?
Give from my assets and support your mission.
Plan for my family while making a gift.
Your Decision Path
Make a gift that costs you little or nothing during your lifetime.
Make a gift from my estate.
These can provide estate tax benefits.
Bequest
Flexible for your planning, essential for our future. Use your will or living trust.
Retirement Account
Deliver more benefit to us than to your heirs. Avoid double taxation.
Life Insurance
Large gift, little cost.
Your Decision Path
Make a gift that costs you little or nothing during your lifetime.
Make a gift from my estate.
Give from my assets and support your mission.
Provide future benefits to you and us.
Gifts from my estate that provide an income
Choose from several options to deliver income to your heirs and a gift to us.
Gift-Replacement Life Insurance
Make a gift to us and replace the asset with life insurance that benefits your family. Same amount, two recipients.
Your Decision Path
Make a gift that costs you little or nothing during your lifetime.
Make a gift from my estate.
Plan for my family while making a gift.
Gift Calculator
It's a quick and easy way to find out how you might benefit from a planned gift to The College of New Jersey. There is no obligation and the information you enter is completely secure and private.
Online Gift Calculator
Please call The College of New Jersey Gift Planning Office at 609-771-2393, or e-mail manetas@tcnj.edu for more information.
