You’ve worked hard for decades – and it’s about time to enter the next phase of your life. You’ll have time to catch up on those books you’ve been meaning to read, travel to places you’ve dreamed of visiting and perhaps volunteer for that charity you’ve always admired.
But a pleasurable retirement requires sound financial planning. How can you be sure you’ll continue receiving the lifetime income you need and not have to worry that you’ll have enough?
There are many answers to that question, and we strongly recommend you seek the guidance of a professional financial advisor to explore your options. One of them, which will also help you establish a legacy at the Arthritis Foundation, is called a Charitable Gift Annuity.
ACharitable Gift Annuitycan be a great retirement planning tool for several reasons. Among them:
- Receive a fixed income for life.
A Charitable Gift Annuity is a contract where, in exchange for a gift to the Arthritis Foundation, we agree to pay you (and/or a loved one, such as a spouse, child or friend) a fixed income for the rest of your (or their) life. You could also receive an income tax deduction for a portion of your gift. After you pass away, the Foundation would use the remainder of your gift as you’ve directed.
The fixed income can be paid to you annually, semiannually or quarterly, and can even be deposited directly into your bank account. You can use cash, stocks, bonds and mutual funds to fund your annuity. Charitable Gift Annuities funded with long-term appreciated assets may receive certain additional tax advantages.
- Take a deduction now and pay later.
有了“延期”赠予年金，你可以现在就赠予，并可能实现即时的所得税减免，但你的支付将在未来开始。如果你还没有完全退休，而且还在领工资，现在拿所得税减免可能特别有价值，因为它可以抵消一些你本来要支付的税。把你的付款安排在较晚的一年可能是省税的，因为你可能在较低的税收等级或生活在一个较低(或没有)的州所得税。
- Make a difference in the lives of others.
Perhaps the best thing about a Charitable Gift Annuity is the positive impact it can have on the vital work of the Arthritis Foundation. For example, many donors who have established a gift annuity with us have directed that their gift ultimately be used to provide funds for research. Others wish toassist with our advocacy effortsor helpthose who suffer from juvenile arthritisand their families.
If you’re interested in exploring how to establish aCharitable Gift Annuityat the Arthritis Foundation, please visit ourplanned giving webpage.You can also contact us toll-free at866-528-8687or atlegacy@arthritis.org. We can provide information to answer the questions you have, including a personalized illustration.