THE Y FOR

YOUTH DEVELOPMENT

We focus our work in three key areas, because nurturing the potential of kids, helping people live healthier, and supporting our neighbors are fundamental to strengthening communities.

Does Your Gift Work as Hard as You Do?

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Calculate Your Benefits
Steady Your Income and Make a Contribution
With the following two gift solutions, you can lock in a fixed income that's immune to market fluctuations and also ensure that your assets are used to benefit your community.

1. Charitable Gift Annuity
With a charitable gift annuity, you make a donation to YMCA of San Diego County that, in turn, provides you with fixed payments for life. After your lifetime, the remaining amount of your gift supports our needs. Through this arrangement, you can increase your income now and receive numerous tax advantages, including:
  • A partial income tax charitable deduction.
  • Partially income tax–free payments for your estimated life expectancy.
  • Capital gains tax spread throughout your estimated life expectancy.
Gift Calculator Calculate the benefits you can receive with a charitable gift annuity.


2. Charitable Remainder Annuity Trust
With a charitable remainder annuity trust, you use cash or other assets to fund a charitable trust and decide on the size of the payments (within IRS limits) to yourself and others you choose. The trust assets remaining at the end of the beneficiaries' lifetimes go to YMCA of San Diego County. You also receive tax advantages, such as:
  • A partial income tax charitable deduction based in part on the amount you contribute to the trust.
  • Elimination of any up-front capital gains tax when you fund the trust.
eBrochures
 Find out more about this trust option in our free guide.


Make a Cash-Free Contribution
The following three options allow you to make a gift that will have no impact on your cash reserves.

3. Retirement Plan Assets
When you name YMCA of San Diego County as the beneficiary of your retirement plan assets, you don't part with a single penny today, and you protect your beneficiary from taxes later. If a charitable organization like ours receives your retirement funds, income taxes are eliminated. If, instead, you leave these assets to your family, up to 35 percent of their value could be eroded by income taxes.

4. Life Insurance Policy
You have two options when making a gift of a life insurance policy. First, you could name YMCA of San Diego County as the beneficiary of the policy's death benefit. Second, you could instead sign over ownership of the policy to us. This allows you to receive an income tax deduction equal to the policy's fair market value or the total premium paid, whichever is lower.

5. A Gift in Your Will
Including a gift to YMCA in your will or revocable living trust allows you to feel good about your contribution now and part with your assets later, after your lifetime.

The official bequest language for YMCA of San Diego County is: "I, [name], of [city, state, ZIP], give, devise and bequeath to YMCA of San Diego County [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."

Please contact Steve Totten at 858-292-9622x105 or stotten@ymca.org with questions you may have about any of these smart ways to provide support.

Copyright © The Stelter Company, All rights reserved.

The information on this website is not intended as legal or tax advice. For legal or tax advice, please consult an attorney. Figures cited in examples are for hypothetical purposes only and are subject to change. References to estate and income taxes apply to federal taxes only. State income/estate taxes or state law may impact your results.