You can increase your current income or protect your estate and provide for the needs of your loved ones through effective gift planning. Effective gift planning allows you to obtain valuable tax advantages and provide a future gift to help the Seniors that Mary Ryder Home serves. Consult your tax/financial advisor to learn what may be best for you. For more information on any of the giving opportunities below, please contact Sarah Dille (sdille@maryryderhome.org), Director of Development, (314) 531-1413 ext. 235

PLANNING A GIFT IN YOUR WILL:
By including a bequest in your will, you can leave a meaningful gift to enable Mary Ryder Home to continue providing programs and services to the fastest growing segment of the elderly population: Seniors, struggling in poverty, who can no longer live independently. A bequest in your will is one of the easiest and most common ways for you to make a gift and tax laws encourage bequests.

CHARITABLE GIFT ANNUITIES:
A gift annuity is a simple, contractual agreement between you and Mary Ryder Home in which you transfer assets to us in exchange for our promise to pay you and an additional income beneficiary (optional) a specific amount of annual income (otherwise known as an annuity). The rates are fixed at the time of the gift. You may be eligible for a sizeable contribution deduction in addition to receiving partially tax-free income. Plus, when using appreciated stock as the gift, a portion of the capital gain may also be avoided based upon life expectancy. The remainder of the gift is then used to help the Residents we serve upon the death of the final income beneficiary.

GIFTS OF LIFE INSURANCE:
Another way you can make a gift to Mary Ryder Home is by donating a life insurance policy to use or simply name us as the beneficiary. When making a gift of an insurance policy that is fully paid, you will receive an income tax deduction equal to the lesser of the cash value of the policy or the total premiums paid.

CHARITABLE REMAINDER TRUST:
A Charitable Remainder Trust (CRT) is an ideal way you can use non- or low-producing assets to provide you and an additional beneficiary (optional) increased income for life or a specific number of years. To establish a CRT, you, as the donor, transfer assets such as cash, securities and/or real estate, to a trust credited by the donor. A CRT is an ideal way for you to receive a minimum of 5% income and use appreciated assets such as stock or real estate for funding. Much, if not all, gains are avoided while you increase your income and receive a contribution deduction. Mary Ryder Home receives the remainder of the trust to provide for the needs of our Residents upon the death of the final income beneficiary.

RETAINED LIFE ESTATE:
A gift of property to Mary Ryder Home during your life can be advantageous if you are faced with trying to decide what to do with your home, vacation home or other property at the end of your life. You can obtain valuable tax savings by deeding your home to Mary Ryder Home now.

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