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.
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.
CGA vs. Donor-Advised Funds (DAF): Choosing the Right Path for Your Giving
Understanding the Split: Income vs. Flexibility
As you plan your 2026 legacy, you may be torn between two of the most popular charitable vehicles: the Charitable Gift Annuity (CGA) and the Donor-Advised Fund (DAF). While both offer immediate tax deductions, they serve very different financial needs for Tucson donors.The choice usually depends on one question: Do you need a check, or do you want to choose the charities later?
The Charitable Gift Annuity (CGA
A CGA is a contract. You give an asset to a charity today, and they pay you a fixed income for life. It is best for retirees who want to give back but also need to ensure their own bills are paid every month.
The Donor-Advised Fund (DAF)
A DAF is like a "charitable savings account." You get a tax deduction now, but the money sits in the fund until you decide which charities should receive grants. It offers more flexibility but no personal income.
The "Bunching" Strategy for 2026
With the 2026 tax law changes, many GIS clients are "bunching" their contributions—putting a large amount into a DAF or CGA in a high-income year to surpass the new 0.5% AGI floor for deductions. This allows you to maximize your tax break while supporting the Tucson community for years to come.
CGA Planning
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Global Investment Strategies provides educational planning concepts and does not provide legal or tax advice. All concepts should be reviewed with your qualified attorney, CPA, or tax professional
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