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Giving Beyond Your Income: The Power of Non-Cash Gifts
Discover strategic giving options that maximize your stewardship and provide greater tax benefits.
Donor-Advised Funds
Gifts of Appreciated Stocks
Qualified Charitable Distributions
Real Estate Gifts
Giving Through Will or Trust
Gifts of Life Insurance
Workplace Giving
We know giving is a deeply personal journey, guided by prayer and a desire to honor the Lord with your resources. But did you know there are impactful ways to give beyond writing a check? These alternative methods can make a bigger difference for those you support while offering greater tax benefits for you. Below, you’ll find thoughtful strategies to maximize your generosity. We’ve also included simple steps to give directly to FISM, should you feel led to do so.
NON-CASH GIFTS
Marketing
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Investors
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Marketing
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Management
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Investors
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Donor Advised Funds
A donor-advised fund is a simple, tax-efficient way to manage charitable giving. Through a DAF you can include funds beyond your bankroll, including properties, securities, and other assets. When contributing to a DAF you receive an immediate tax deduction and the fund balance grows tax-free over time. Plus, there is no deadline for when fund assets must be distributed to a 501(c) organization. You can prayerfully consider which ministries or charities will be granted gifts from within this fund as long as it has a balance. This option allows you to maximize your tax benefits now while preserving future giving potential. The DAF provider may charge fees or have minimum deposit requirements, so factor those details in when choosing where to open a DAF.
Gifts of Appreciated Stocks
Donating stock is a smart way to give, especially if your investments have grown in value over time. By transferring stocks directly to a ministry or charitable organization rather than donating the proceeds from selling stock, you avoid capital gains tax and potentially receive a deduction for the full market value of the stock. To qualify, a stock must be held for over a year.
Example: If you purchased stock for $5,000 that is now worth $10,000, donating the stock directly means you won’t pay capital gains tax on the $5,000 profit. Instead, you may be eligible to deduct the full $10,000 from your taxable income, allowing you to make a larger impact with your gift.
Qualified Charitable Distributions
If you are 70½ or older, a Qualified Charitable Distribution (QCD) allows you to give up to $100,000 per year (or $200,000 for couples with separate IRAs) directly from your IRA to an organization(s) of your choosing without it being taxable income. This also counts toward your Required Minimum Distribution (RMD) if you’re 73 or older.
Real Estate Gifts
Donating real estate is a powerful way to support ministries while potentially avoiding capital gains tax and reducing your taxable estate. Whether it’s a residential, commercial, or undeveloped property, your gift can be put to work in advancing our mission by generating ongoing income.
Giving Through Will or Trust
Including a ministry or charitable organization in your will or trust is a meaningful way to leave a lasting legacy. This planned giving option allows you to support a ministry or charitable organization far into the future while providing for your loved ones.
Gifts of Life Insurance
If you have a life insurance policy that is no longer needed for its original purpose, you can name a ministry or charitable organization as a beneficiary. This is a simple way to make a significant impact without affecting your current financial situation.
Workplace Giving
Many companies offer matching gift programs or payroll deduction options to support charitable organizations. This means that your employer may match, double, or even triple your donation, allowing you to increase the impact of your gift to FISM.
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Real Estate Gifts
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Giving Through Your Will or Trust
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Gifts of Life Insurance
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Workplace Giving
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Why us
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Shaping the future
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