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Charitable Gift Annuities · Tucson, Arizona

Give It Away. And Get Paid For Life.

A charitable gift annuity lets you give to a cause you care about, take a tax deduction now, and receive fixed payments for the rest of your life — with whatever remains going to the charity at the end. For the right person, it does three jobs at once. We help you see if you’re that person.
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How it works

One gift that pays you back for life

A charitable gift annuity is a simple agreement with three moving parts. You make an irrevocable gift, you receive fixed payments for life, and whatever remains supports the cause you chose.

Step 1

You make a gift

Cash or appreciated assets go to a qualified charity as an irrevocable gift. This is what earns you an immediate partial tax deduction.

Step 2

You receive income for life

In return, you (or you and a spouse) receive fixed payments for the rest of your life — a rate set at the start and never affected by the markets.

Step 3

The cause receives the rest

When the annuity ends, whatever remains passes to the charity you named — completing a legacy gift to something you believe in.

Income you can't outlive

Fixed payments continue for life, regardless of what markets do — a stable floor under your retirement income.

Tax advantages now

A partial income-tax deduction this year, plus part of each payment may come back to you tax-free.

Capital gains, spread out

Funding with appreciated assets can spread the capital-gains impact instead of taking it all in one year.

Estimate your income

See what a gift annuity could pay you

Move the sliders to explore. These are illustrative estimates — your actual numbers depend on current rates and your specific situation.

Gift amount $100,000
$10k$500k
Your age 70
5590+

Estimated annual income

$5,200

about $433 / month for life

Annuity rate 5.2%
Est. charitable deduction $35,000
Paid to you over life expectancy $78,000

Illustrative estimates only, not a quote or an offer. Actual annuity rates are set by the American Council on Gift Annuities (ACGA) and your chosen charity, and your tax deduction depends on IRS discount rates and your circumstances. Confirm all figures with your CPA and the charity before proceeding. This is not tax or legal advice.

Is a gift annuity right for you?

A great fit for some. Not for everyone.

A charitable gift annuity is powerful in the right situation and wrong in others. Being honest about which one you’re in is the whole point of talking first.

It tends to fit when you…

  • Are age 60 or older and want reliable income you can’t outlive
  • Hold appreciated or low-yielding assets you’d like to put to work
  • Genuinely care about leaving something to a specific cause
  • Want a deduction this year and steadier income than the market gives

It usually isn’t the answer when you…

  • May need the principal back — a gift annuity is irrevocable
  • Are focused purely on maximizing returns, not income and giving
  • Have no charitable intent — other income tools fit better

How it compares to the alternatives

Three common ways to give and receive a benefit. Each fits a different goal.

Charitable Gift Annuity

This page

Income to youFixed income for life
ComplexitySimple; irrevocable gift
Best for steady lifetime income plus a gift.

Charitable Remainder Trust

 

Income to youVariable or fixed; larger gifts
ComplexityMore flexible; more complex
Best for larger, highly-appreciated assets.

Donor-Advised Fund

 

Income to youNo income to you
ComplexityYou direct grants over time
Best for flexible giving with no income need.

Gift annuity questions

Frequently asked questions

It’s a simple agreement: you make an irrevocable gift of cash or assets to a qualified charity, and in return the charity pays you (or you and another person) a fixed amount for life. When the annuity ends, the charity keeps what remains. It combines lifetime income, an immediate partial tax deduction, and a legacy gift in one arrangement.
Yes — a partial one. Because part of your gift funds your future payments and part is a true charitable gift, you can typically deduct the charitable portion in the year you fund it. A share of each payment may also come back to you tax-free for a period. The exact amounts depend on your age, the gift, and current IRS rates, so confirm them with your CPA.
In many cases, yes. Current rules allow a one-time qualified charitable distribution (QCD) from an IRA to fund a gift annuity, up to an indexed limit, once you reach the qualifying age. It can count toward your required minimum distribution. The limits and rules change, so this is worth confirming for your specific year and situation before acting.
Rates are based on your age (or both ages, for a two-life annuity) at the time you fund the annuity — older annuitants receive higher rates. Most charities follow the schedule published by the American Council on Gift Annuities (ACGA). Once your annuity is set up, your rate is fixed and never changes, regardless of the markets.
Commonly cash or appreciated assets such as publicly traded securities. Funding with appreciated assets can be especially efficient, because it may let you spread the capital-gains impact rather than realizing it all at once. The right funding asset depends on your situation and is worth reviewing with your advisor.
No — a gift annuity is irrevocable, which is part of what makes the tax benefits possible. That’s exactly why it should only be funded with assets you won’t need back, and why it’s worth walking through the numbers carefully before you commit. We’re glad to do that with you and your CPA.

See your real numbers, not estimates

Run your actual numbers with us

The estimator gives you a feel for it. A conversation gives you the real figures — your rate, your deduction, and how a gift annuity would fit alongside your income and your giving. No pressure, and we coordinate it with your CPA and the cause you choose.

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No obligation · Coordinated with your CPA · Tucson, Arizona