Gifts That Pay You Income

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

Charitable Gift Annuities

Charitable Gift Annuities (CGAs) are a great way to make a lasting difference for ministries while receiving tax-favorable income for you, your spouse and your children. Many supporters prefer charitable gift annuities because of their attractive payout rates and their significant impact.

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Charitable Remainder Trusts

Income for life for you and your family while reducing your taxes. By using assets or cash to fund the trust, you receive income and an income tax credit the year in which you transfer your assets. The remaining portion of the trust, after all payments have been made, comes to you.

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Annuity Fees Decoded: Building a Strategy on Transparency

At Global Investment Strategies, we believe the biggest barrier to a successful retirement plan is a lack of clarity. In the world of annuities, fees are often misunderstood. While some "swarm" of fees can erode value, a properly structured modern annuity can actually be more cost-effective than a traditional managed brokerage account.

The Four Main Types of Annuity Costs

Administrative Fees: Usually around 0.3%, these cover record-keeping and customer service.
Mortality & Expense (M&E) Charges: Typically 1.25%, these pay for the insurance guarantees—ensuring you don't outlive your money.
Rider Fees: Optional charges (0.25% - 1.0%) for extra benefits like enhanced death benefits or inflation protection.
Surrender Charges: A declining fee if you withdraw too much money too early (usually over the first 7–10 years).

The GIS Difference: Focus on Value

Many "commission-free" or fee-based annuities are now available for RIAs in 2026, allowing us to integrate these tools into your holistic plan without the high upfront costs associated with older products. Our goal is to ensure the benefit of the guarantee far outweighs the cost of the contract.

Retirement Planning

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Move from Uncertainty to Financial Clarity

Complex financial decisions benefit from experienced and thoughtful execution Schedule a brief date and time to discuss your goals and how we will help.