Planned Giving

"The mass of men worry themselves into nameless graves while here and there a great unselfish soul forgets himself into immortality."- Ralph Waldo Emerson –

If You Want to Plan Today to Give Tomorrow

A planned gift is a charitable donation created during your lifetime but in most cases not available to the Foundation until sometime in the future. Types of planned gifts include:

Bequest by Will

An outright bequest to the Foundation is the simplest means for providing for your community.

Life Insurance

Life insurance policies can be used to create a fund, or the Foundation can be named as the owner of a new policy for a fund to be created at a future time.

IRA or Qualified Plan

Funding a charitable bequest with an IRA or retirement plan can be a very effective way of making a gift with estate tax benefits.

Charitable Remainder Trust

A charitable remainder trust offers a gift to the Foundation. It provides a current income tax deduction for a future gift.

Charitable Lead Trust

Assets transferred to this trust are eventually returned to the donor or, more typically, to the donor’s children. Income is paid to the Foundation annually while the assets are in the trust.

What Can I Give?

A variety of assets can be used to make charitable gifts, including:


Cash gifts are an easy way to make an impact in your community and allow you to give at any time.


Securities, both publicly traded and closely held, can be used to set up a fund.

Real and Personal Property

Gifting real and personal property often allows an individual to contribute more than they may have thought possible.

IRA/Retirement Fund Assets

Retirement assets are most often used as testamentary gifts, creating charitable funds as part of an overall estate plan.

Life Insurance

Life insurance makes it possible to make meaningful gifts to the community and to create a fund.

How Do I Decide?

You have a number of options when it comes to your charitable giving. Our staff will work closely with you and your professional advisors to identify a gift that meets your needs.

Charitable Giving Scenarios


Make a quick and easy gift

Make a gift with other existing sources

Defer a gift until after your lifetime

Make a gift while minimizing the impact on taxes and capital gains

Minimize the two-fold taxation on IRA or other employee benefit plans

Receive income today while creating a permanent philanthropic legacy for the future


Contribute a gift in cash or by check

Example: Donate a life insurance policy you no longer need

Bequeath cash, property, or a portion of your estate

Contribute long-term appreciated stock or other securities

Designate a fund at the foundation as one of your beneficiaries

Create a charitable remainder trust that pays income to you during your lifetime for a designated time period


An income tax deduction and immediate benefit for the community

Current and possible future income tax deductions

An estate tax deduction

A charitable deduction that may reduce capital gains tax

May reduce tax liability on assets left to heirs

At maturity, assets benefit the fund you establish to meet the community needs important to you


For a document containing suggested language for use in estate planning: Click here

Help us build the community's endowed fund through your estate plans. You can also endow funds for your favorite local charity and place them under the stewardship of the Community Foundation. (It's easy and can be done by adding a single paragraph to your will). Please call us at (912) 268-4442 for a confidential discussion.