Planned Giving

Provide for Your Loved Ones and Saint Mary's

Charitable Lead Trusts

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Discover which type of charitable trust best fits your estate plan with the FREE guide Trusts: Choose From 2 Win-Win Ways to Donate.

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Do you want to benefit from the tax savings that result from supporting Saint Mary's, yet you don't want to give up any assets that you'd like your family to receive someday? You can have it both ways with a charitable lead trust.

There are two ways charitable lead trusts make payments:
A charitable lead annuity trust pays a fixed amount each year to Saint Mary's and is more attractive when interest rates are low.

A charitable lead unitrust pays a variable amount each year based on the value of the assets in the trust. With a unitrust, if the trust's assets go up in value, for example, the payments to Saint Mary's go up as well.

Learn How to Fund It

You can use the following assets to fund a charitable lead trust:

Check Out This Potential Scenario

Man smilingGeorge would like to support Saint Mary's and provide for his children. Following his advisor's recommendation, George funds a charitable lead annuity trust with assets valued at $800,000. George's trust pays $56,000 (7 percent of the initial fair market value) to Saint Mary's each year for 15 years, which will total $840,000. After that, the balance in the trust goes to his children. His gift tax deduction is $698,488* against the $800,000 of assets. Therefore only the difference ($101,512) is subject to gift tax, which is offset against his lifetime gift tax exclusion. After that, the remaining trust assets and all of their growth will pass to his family at zero additional cost in gift and estate taxes. Had George given the $800,000 outright to his children, it would have been a taxable gift.

*Assuming annual payments and a 2.4 percent charitable midterm federal rate.

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Next Steps

  1. Contact Douglas D. Hansen at (925) 631-4218 or ddh3@stmarys-ca.edu to talk about supporting Saint Mary's by setting up a charitable lead trust.
  2. Seek the advice of your financial or legal advisor.
  3. If you include Saint Mary's in your plans, please use our legal name and federal tax ID.

Legal Name: Saint Mary's College of California
Address: 1928 Saint Mary's Road, Moraga, CA 94575
Federal Tax ID Number: 94-1156599