PLANNED GIVING

留下一個持久影響嘅遺產，亦可以增加你同你嘅家人嘅好處。透過計劃好嘅禮物，你對支持同收養有關嘅兒童、婦女同家庭嘅承諾將會喺後世呼應。進一步了解 Spence-Chapin 提供嘅禮物選擇，嚟確定邊個計劃最適合你同你嘅家人去達成你嘅財務同慈善目標。.

Bequests and gifts by will

One of the most popular types of planned giving is a bequest, otherwise known as a gift made through your will. There are many reasons why bequests are one of the most common forms of giving: you retain full use and control of your assets and are not subject to any out-of-pocket costs during your lifetime, you may be entitled to reductions in your loved ones’ estate tax burden, and your bequest is an opportunity to leave a legacy.

A bequest also allows you the flexibility of designating a specific asset, sum of money, percentage of an estate, or a remainder after you provide for other beneficiaries, to go to Spence-Chapin. If you want to support a specific program, like the Granny Program or the Special Needs Adoption Program, you can designate how you want your bequest to be used. Alternatively, an unrestricted bequest will be used where it is needed the most. Reach out to a financial professional to learn more, and request information from Spence-Chapin by emailing us at [email protected].

Retirement Assets and Life insurance

You can designate a portion or all of your retirement plan or life insurance policy to a charitable beneficiary like Spence-Chapin, allowing you to grow your legacy while helping alleviate the potential tax burden on your heirs.

If you believe your retirement savings plan is more than sufficient to meet the needs of your family, allocating some of those assets for charitable purposes can help ensure a lasting legacy. Another option to consider is giving a life insurance policy to a charitable organization, which can be a powerful way to amplify the size of your gift. Ask your financial planner or a tax professional about retirement assets and charitable gift planning to help guide your way. Email us at [email protected] for more on how this gift could help children and their families as well as request information about our process.

Charitable Remainder Trusts

A charitable remainder trust (CRT) allows you to fulfill your philanthropic goals, receive an income stream for you and your family, and benefit from immediate tax deductions.

A CRT can be set up with assets from a variety of sources, including cash, publicly traded securities, real state, and more. You or your stated beneficiaries would then receive income on an annual, semi-annual, quarterly or monthly basis until the end of the trust’s terms, at which point the remainder of the assets would be distributed to Spence-Chapin as part of your legacy.

Talk with your financial advisor to determine if a charitable remainder trust works well with your estate plan. You can also request more information from us at [email protected].