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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Annuities vs. CDs: Navigating Safety and Yield in 2026

For conservative investors in Tucson, the choice often comes down to two options: Certificates of Deposit (CDs) or Fixed Annuities. Both offer principal protection, but in the 2026 economic landscape, the "hidden" differences in tax treatment and interest compounding can significantly impact your spendable income.

The Core Differences at a Glance

Feature	CDs (Bank)	Fixed Annuities
Taxation	Taxed annually	Tax-deferred until withdrawal
Interest Rates	Market-driven (Short term)	Often higher (Long term)
Protection	FDIC Insured	State Guaranty Association

Why Retirees are Moving Toward Annuities in 2026

While CDs are excellent for short-term "parking" of cash (12 months or less), fixed annuities offer Triple Compounding: you earn interest on your principal, interest on your interest, and interest on the money you would have otherwise paid in taxes.

Retirement Planning

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Move from Uncertainty to Financial Clarity

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