Ways of Giving

This information is provided only for the purpose of further inquiry by the donor.  It should in no way be considered to be tax advice.  It is expected that donors will consult with their own financial advisor before finalizing a gift.

The Society of St. Vincent de Paul of the Archdiocese of San Antonio (SVDP) is a 501(c)(3) nonprofit corporation. All donations are tax deductible to the extent allowed by law. Our Federal Tax ID  number is  74-1200125.

Cash Gifts

  The Society of St. Vincent de Paul accepts gifts of cash, check, and credit cards
  Tax deductible if donor itemizes deductions.
  Up to 50 percent of adjusted gross income can be deducted in any one year.
  Excess can be deducted over the next five years.
  Actual savings depend on tax rate.
  The higher the tax rate, the greater the savings.

Pledges

  The Society of St. Vincent de Paul annual pledges are payable over a one fiscal-year period. 
  Capital pledges are payable over a three-to five-year period.
  Pledge payments are deductible in the calendar year a payment is made.

Matching Gifts

  Takes advantage of programs offered by many employers.
  Leverages donor’s gift to a higher level.

Appreciated Assets (like stocks, bonds, etc.)

  If qualified as a long-term capital asset (held a year and a day), property should be given outright.
  Avoids payment of capital gains tax due, if property were sold by donor.
  Deduction given for full value of property, limited to 30 percent of adjusted gross income.
  Excess beyond 30 percent can be carried forward for five years.

Assets that have Lost Value

  Donor sells the property, takes loss for tax purposes, then contributes the cash received from sale.
  Deduction given for both the loss and the charitable gift.

Real Estate

  Possible for donor to make gift of residence, farm, or vacation home, reserving right of occupancy  

       as long as donor and spouse live.
  Irrevocable gift qualifies for immediate tax deduction based on present value of remainder interest.
  Assign directly to your organization or, preferably, transfer through broker.
  Amount of contribution is fair market value on the date of transfer.

Closely Held Stock (private or family owned)

  Produces a current tax deduction equal to fair market value of the stock. 
  Could reduce liability for accumulated earnings tax.

Deferred Gifts 

  Provides a fixed income for the lifetime(s) of one or two annuitants.
  Amount paid determined by the rates recommended by the American Council on Gift Annuities.
  The older the annuitant, the higher the level of income.
  Portion of gift and income are tax deductible

Deferred Gift Annuity

  Offers increased income and tax benefits.
  All basic features and benefits of a gift annuity.
  Income delayed until a future date chosen by donor.
  Rate of return and tax deduction dependent on length of income delay.

Life Income Trusts

  Trust assets are funds or property contributed by donor (usually $100,000 or more).
  Flexibility in type of property that can be donated.
  Real estate and municipal bonds may be used.
  Provides a fixed amount of income. (Charitable Remainder Annuity Trust)
  Provides a variable level of income. (Charitable Remainder Unitrust)

Charitable Lead Trust

  Donor provides assets for use for a limited period of time.
  Funds are invested to provide income to The Society of St. Vincent de Paul of the Archdiocese of

       San Antonio.
  Assets returned to donor or to estate at the end of designated period.
  Can fulfill a pledge while reducing estate and gift taxes that might otherwise be due on assets given    

       outright to heirs.

Wealth Replacement Trust

  Protects inheritance interests of heirs.
  Contributes assets to your organization either outright or through planned giving vehicles.
  Using resulting tax savings, donor purchases a life insurance policy with heirs as beneficiaries.
  Make the Society of St. Vincent de Paul of the Archdiocese of San Antonio the sole owner and

       beneficiary of paid-up policy.
  Receive income tax deduction for the cash surrender value of policy.
  If policy not fully paid, continue to pay premiums.
  Receive tax deduction for annual premium amounts.
  Outright bequests, as well as certain bequests in trust, are not subject to estate taxes.
  Actual cost is less than face value of gift because of tax benefits to estate.
  Bequest can take any of following forms:
     -Bequest of a dollar amount of particular securities or other property.
     -Residual bequest of all or portion of estate after payment of specific amounts to other beneficiaries.
     -Contingent bequest to take effect if other beneficiaries die before the donor.
  A bequest can often be arranged simply with the addition of a codicil amending an existing will.

  Up to 50 percent of adjusted gross income can be deducted in any one year.
  Excess can be deducted over the next five years.
  Actual savings depend on tax rate.
  A bequest can often be arranged simply with the addition of a codicil amending an existing will.            

       The higher the tax rate, the greater the savings.

Pledges

  Saint Vincent de Paul of San Antonio Annual Fund pledges are payable over a one fiscal year period.