Want to give without depleting cash?

Non-cash strategies that can maximize your year-end giving

3 ways to save cash and give more

With so many charities struggling to meet new challenges this year, you probably have a heart to keep pace with the need and honor your giving commitments. At the same time, you may be hesitant to deplete your cash reserves because there is so much uncertainty right now.

Give appreciated assets

By gifting real estate holdings, business interests, or other appreciated assets directly to a Giving Fund at NCF, you’ll most likely be able to receive a charitable deduction and pay less capital gains tax.

Give from deferred income accounts

If you have more than you need in deferred income such as retirement accounts, restricted stock units (RSUs), non-qualified stock options, or commercial annuities, these might be smart assets for giving instead of cash.

Give life insurance

Givers who have life insurance policies with significant cash value can withdraw from the policy’s cash value (once they have discussed their personal financial needs) and give to charity up to 100% of AGI this year.

How it works

This table shows the impact of giving a $1,000,000 piece of land with a $100,000 cost basis and no debt. It assumes a 42% ordinary income tax rate, 25% capital gains tax rate, and a 3.8% Medicare surcharge. To learn more about this type of gift, contact your local NCF team.

Resources to help you give without depleting your cash

If you’d like to hang on to your cash, there are many ways to give. Here are some resources we’ve curated to help you learn more.

Save your cash: Give real estate instead

If you’ve made giving commitments you’d like to keep or are stretching yourself to do more this year, gifting real estate may be a tax-effective way for you to fund your giving dreams.

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How the CARES Act helped Amy Carson give $600k more

If you have non-qualified stock options, you know there’s some sophisticated strategy involved in exercising them, and timing is everything. Because of the CARES Act, this may be your year.

Read her story

How to plan your giving when you feel uncertain

Is your giving in a holding pattern? It’s hard to know what to do when nothing is sure, but don’t wait to ask for help. Planning now can prepare you for when you’re ready to give.

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