Individual Giving

Matching Gift

Many companies sponsor matching gift programs that can double or triple the impact of your gift. Please check with your employer to see if your company has such a program. Ask your employer to find out how your company’s matching gift program works.

Major Gift or Pledge

Our development office is ready to assist you with discussing a pledge or significant contribution. We are happy to discuss giving opportunities that will have a direct impact in the area of your choice.

A Gift of Cash

Gifts of cash, paid outright or pledged over three years, provide immediate support for Richmond Community Services Foundation. Those who itemize their income tax returns are entitled to a charitable deduction of up to 50% of adjusted gross income, with a five-year carry-over period, for the excess.

A Gift of Securities

Gifts of long-term, appreciated securities provide the same benefits as cash for Richmond and offer you the additional benefit of paying no capital gains tax. Your contribution is based on the mean value of the stock, on the day you transfer the stock to Richmond Community Services Foundation. You are entitled to a charitable contribution up to 30% of adjusted gross income (with five-year carry-over) and you avoid the capital gain which would have applied had you sold the securities.

A Gift of Real Estate

Real estate offers great potential as a gift-planning opportunity to support Richmond Community Services Foundation. We would be happy to explore the options and benefits of the gift of a home, vacation property, condominium, undeveloped land, or other real estate. Real estate contributed outright, in trust, or through a part gift/part sale arrangement provides a way to avoid or substantially reduce capital gains tax.

A Charitable Gift Annuity

In exchange for a gift of cash or securities, Richmond Community Services Foundation can provide you with income for life, through a Charitable Gift Annuity contract. The annuity rate is based on the age(s) of the annuitant(s), you and/or another person. When exchanging appreciated stock for a gift annuity, you incur no immediate capital gain tax on the transfer; part of the annuity payment will be tax-free; and you will receive an income tax deduction; based on Richmond’s remainder interest in the gift.

A Gift in Trust

We are happy to work with you and your financial advisor to explore the options and benefits of creating a charitable trust arrangement, which suits your unique circumstances and can provide you with income for life, or a term of years. For example, you may choose a fixed or fluctuating payment, the rate of such payment, as well as many other features to suit your needs. You incur no capital gains tax on the transfer of appreciated assets (securities or real estate) and you receive an immediate income tax deduction for part of the gift. As with all life income plans, the funds are distributed to Richmond Community Services Foundation upon the death of the life income beneficiary(ies).

A Gift of a Personal Residence or Farm with Retained Use

It is possible to transfer ownership of your personal residence or farm to Richmond Community Services Foundation, while retaining the enjoyment of the property for the remainder of your lifetime. This may be an excellent way to support Richmond, receive a current income tax deduction for the property’s discounted value, and continue to use the property for as long as you live.

A Gift of a New Life Insurance

You can make a magnificent commitment to Richmond through the purchase of a life insurance gift. Through relatively modest annual gifts, which are used to pay premiums on the policy, you can create a far greater gift than might otherwise be possible. By naming Richmond Community Services Foundation as the owner and beneficiary of the policy, your annual premiums will be deductible for income tax purposes.

A Gift of an Existing Life Insurance Policy

Many people own insurance policies which are no longer needed for their original purposes. Such policies can be given to Richmond and you will be entitled to an income tax deduction for the cash surrender value, and the amount of any future premiums paid.

A Gift of an Income Stream

You can provide annual payments to Richmond from a pool of assets, which later will be distributed to your heirs. Known as a Charitable Lead Trust, this plan allows you to direct income payments to Richmond Community Services Foundation for a specific number of years. At the end of the trust’s term, assets are transferred to family members at a reduced transfer tax.

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For more information, please contact foundation@richmondcommserv.org, or call 914.471.4100.

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