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· 1.800.761.9899 | · pomonaplan@pomona.edu | |
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Tip of the Day There is a powerful way to pass assets to your heirs at a significantly reduced gift and estate tax cost, and provide years of income to Pomona College. It's called a charitable lead trust, and if estate preservation is a planning priority for you it is definitely worth looking into. How does it work? You transfer appreciating assets into the lead trust; the trust pays Pomona College income for a term of years; at the end of the term the balance of the lead trust passes to your heirs. Gift/estate tax on the transfer is reduced by the value of our income interest. The trust can even be set up to reduce your gift or estate tax liability to zero. Best of all, your heirs pay nothing in capital gains tax on any appreciation in the assets that occurs during the term of the lead trust. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day If you have no spouse and you leave assets in your IRA, 401(k), 403(b), Keogh or other qualified retirement plan when you die, your estate may have to pay combined taxes of up to 70% on those assets before your heirs can receive them! The problem is "IRD" -- Income in Respect of a Decedent -- and there is a creative charitable solution you may want to consider. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You can give your residence or vacation home to Pomona College, take an immediate income tax deduction, and retain the right to live there for the rest of your life. A retained life estate allows you to use what may be your most valuable asset to make a gift to us without disturbing the security of your living arrangements. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Your gift to Pomona College can return payments to you for life. In exchange for your gift, you can receive:
Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You can give many kinds of marketable, appreciated property -- closely-held stock, real estate, or partnership interests -- to a charitable remainder unitrust and receive significant tax and income benefits. You will receive income for life plus an immediate charitable deduction, avoid the capital gains tax, and benefit Pomona College at the same time. You can even arrange for your assets to grow tax-free until you turn the "income spigot" on at retirement or some other future event, such as the start of your child's education. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You you tap one of your biggest assets to make a gift, while protecting your capital and facilitating the move to your next home or a retirement facility. Does your home represent a large proportion of your assets? Will you need to sell it to finance your move to a retirement facility? The charitable bargain sale is a unique gift plan in which we pay you cash for your home -- cash that you can use for the move to your next residence. The purchase price will be less than the home's market value, and that difference will produce a charitable deduction for you. In addition, your capital gains on the sale of the house, if any, are reduced in proportion to the discount you took on the sale price. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Charitable Gift Annuities offer a stable alternative to the fluctuations of the market. Current stresses in the market have reduced interest rates on bonds and savings instruments to lows not seen in many years. Investors looking for ways to capture the remaining gains in their stock portfolios enjoy few reinvestment options. One strategy is our charitable gift annuity. This simple gift plan makes fixed lifetime payments to up to two beneficiaries at rates higher than those of most bonds and CDs. While our gift annuity is not meant to be competitive with a commercial annuity, it does share the feature of paying part of the donor's contribution back as a tax-free return of principal. That, plus careful investment management, allows Pomona College to offer a gift plan that is increasingly attractive to donors. It allows you to make a significant gift while securing hard-to-find income and tax benefits. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day The balance remaining in your retirement plan after your death is subject not only to federal estate tax, but also to income tax – and, if you name a grandchild as beneficiary, to the generation-skipping tax. The result can be that only 20 to 25 cents on the dollar may be left for your family. Why give so much of your hard-earned retirement assets to the government when you can give them to Pomona College instead? Direct the balance of your plan to Pomona College, and use other assets – not subject to all the taxes applied to retirement assets – to make gifts to your family. Recent IRS regulations make it easier to make Pomona College a beneficiary. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You don't have to use cash to make a gift! You can give us appreciated stocks, bonds or mutual fund shares instead. Your charitable deduction will be the full, fair market value of the securities, with no capital gains liability on their appreciation. Buy low and give high, and use a gift asset that cost you less than the tax deduction you'll get for it today. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day A "hidden asset" can make you a significant donor to Pomona College. If you are maintaining life insurance coverage that your family no longer needs, consider giving the (paid-up) policy to us. You'll receive an immediate charitable deduction and deliver a substantial gift to Pomona College, without affecting your investment portfolio or cash flow. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You may be holding assets that would benefit Pomona College more than they do you. Do you have artwork that would enrich our facilities? Books and collectibles that are relevant to our history and mission? Equipment or supplies that we could use in our operations? Gifts like these can provide direct benefit to us and an immediate tax deduction for you. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You can make a gift to Pomona College that costs you nothing during your lifetime. Make us a beneficiary of your will or revocable trust -- and help to guarantee our future financial strength without affecting your current asset balance or cash flow. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You don't have to be wealthy to make a significant gift to Pomona College. We offer techniques that stretch your giving ability. Give appreciated assets instead of cash; make us a beneficiary of your will or revocable trust; use life insurance to give from income rather than capital; receive income back from us in return for your contribution. We want to help you make a gift that makes a difference. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Did you know that there is a family of gifts you can make to Pomona College that pay you income back? Here's a technique to stretch your giving ability: give us an asset, yet retain (or increase) its income payments to you. We can guide you through every step of these creative gift plans. When you click on "Read more..." below, read items #3 and #4 for details. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day If you want maximum flexibility and maximum effectiveness in your giving, consider a Charitable Remainder Unitrust benefiting Pomona College. Unitrusts offer you more planning options than any other life-income gift:
Read more..., email us, or contact us at (909) 621-8143 or (800) 761-9899 for more information. Tip of the Day Did you know you can lock in the remaining gains on your appreciated securities, and receive income based on their market value for the rest of your life? In exchange for your gift of appreciated stock, you can receive:
Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day "I can't make a gift to Pomona College -- I'm saving for retirement." We offer a gift plan that can help you do both. The deferred gift annuity begins lifetime payments when you want them -- and most donors choose retirement as the starting point.
These features make the deferred gift annuity an attractive option for donors in high-earnings years, looking for a significant tax deduction now and an additional source of retirement income later. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Have the tax benefits from your limited-partnership shares run out? Investors who acquire limited-partnership shares to participate in initial tax losses can donate the shares to us when the partnership begins distributing income. The gift will provide a charitable deduction, remove partnership distributions from your taxable income, and direct a stream of income to us. We'll be happy to work with you on the details. (For the gift to work, the partnership has to approve transfers, and we have to review the transaction.) It's the creative gift for creative investors. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You Don't Have to Tap Your Nest-Egg to Build Our Nest-Egg Use life insurance to create an endowment from your income rather than your capital. Affordable premiums build coverage that will deliver a significant gift to us. Leverage modest annual gifts into the equivalent of a substantial bequest or trust distribution. Make us the irrevocable owner of the policy and receive a charitable deduction for your gifts covering our premium payments. We’ll work with you on this and other details that maximize the benefits of using life insurance to make your gift. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Why Is Endowment Important? When we receive your bequest or life insurance benefits, or when a life-income gift matures, we place the proceeds in our endowment unless you have directed us otherwise. The endowment is our savings account, and its long-term growth makes us stronger. We count on the income it returns every year to help us reach institutional goals that we could not attain using just our regular sources of revenue. In addition, a healthy endowment gives us financial muscle to meet the challenges and opportunities that the future will bring. Your annual support helps us in a different way: it allows us to meet today’s mission and expenses. We'll be happy to tell you more about both endowment and annual giving help us succeed, today and in the future. Email us or contact us at (909) 621-8143 or (800) 761-9899 for more information. Tip of the Day You can give almost any kind of highly appreciated property -- such as closely-held stock, real estate, partnership interests, or valuable art -- to a charitable remainder trust and receive major tax and income benefits. You can receive income for life, a charitable deduction, avoid all capital gains tax, and benefit Pomona College at the same time. You can even allow your assets to accumulate tax-free until you turn the "income spigot" on at retirement or some other future event, such as the start of your child's education. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Your Giving Can Go On ... We depend on the annual, unrestricted support that you and other donors provide. Annual gifts supplement our traditional sources of revenue, and help ensure that we will meet the obligations and expenses that each year brings us. Ever think about the long-term difference your support would make if it were available to us in perpetuity? It's possible -- if you endow your annual gift. How? Direct a bequest or distribution from your revocable trust to our endowment, and tell us to use the annual income it generates as your ongoing unrestricted support. We can advise you on the bequest amount that, as principal in our endowment, will produce income equal to the annual gift you're contributing today. If you believe that we will continue to make a difference long into the future, your annual support can do the same. For more information email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day "I'm Too Young to Make a Planned Gift to Pomona College." You're never too young to plan before you give. Right now you may be focused on accumulating assets and meeting the obligations of a growing family -- can you also support us significantly? Because we are so grateful for your generous interest, we offer giving techniques that fit your circumstances now and stretch your ability to give:
For more information email us or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Same Gift, Better Deduction We've told you that a donation using appreciated securities produces a charitable deduction in the amount of the full, fair market value of the stock, with no liability for capital gains -- a great tax benefit! So why give Pomona College cash if you could give stock? Because you may be able to take advantage of one tax benefit that a gift of cash offers. A $10,000 gift of cash produces the same deduction as a $10,000 gift of appreciated securities or other assets. However, the IRS allows you to claim the deduction for the cash gift up to 50 percent of your adjusted gross income ("AGI" -- the figure at the bottom of the first page of Form 1040. See Glossary for full definition). The gift of stock may only be claimed up to 30 percent of AGI.* So if this will be a high earnings year for you, you will be able to offset more taxable income with the deduction from a cash gift. We can help you determine which gift asset will work harder for you. * Deductions in excess of the percentage limits aren't wasted -- the balance may be claimed during the five years after your gift is made. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You don't have to use cash to make your gift. You can give us appreciated securities instead, and use an asset that cost you less than the tax deduction you'll get for it today. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You may be holding assets that would benefit Pomona College more than they do you. Such as a life insurance policy that you no longer need. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You may be holding assets that would benefit Pomona College more than they do you. Such as a parcel of real estate like a second home or undeveloped land. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You can make a gift to Pomona College that costs you nothing during your lifetime. Make us a beneficiary of your will or revocable trust and leave your cash flow and current financial planning uninterrupted. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day You don't have to be wealthy to make a significant gift to Pomona College. Make us a beneficiary of your will or revocable trust and leave your cash flow and current financial planning uninterrupted. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day Did you know that there is a family of gifts you can make to Pomona College that pay you income back? Read items #3 and #4 after you click on "Read more..." below. Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Tip of the Day If you want maximum flexibility and maximum effectiveness in your giving, consider a charitable remainder trust (a CRT) benefiting Pomona College. Charitable remainder trusts come in two versions:
Email us or contact us at (909) 621-8143 or (800) 761-9899 for more information. Tip of the Day Did you know you can lock in the gains of your appreciated securities and receive income (based on their present value) for the rest of your life? In exchange for your gift of appreciated stock, you can receive:
Read more... , email us, or contact us at (909) 621-8143 or (800) 761-9899. Pomona College Planned Giving content ©2008 VirtualGiving | Disclaimer & Privacy Notice |
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© Pomona College 2002 | Claremont, California 91711 webmaster@pomona.edu |
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