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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Tax-Deferred Growth: The Strategic Alternative to Taxable Brokerage Accounts

For many GIS clients in Tucson, the biggest hurdle to a successful retirement isn't just saving—it's tax drag. If you have already maxed out your 401(k) and IRA for 2026, putting additional wealth into a standard brokerage account means paying taxes on every dividend, interest payment, and capital gain year after year.

The Power of "Triple Compounding"

Non-qualified annuities offer a "safety valve" for tax-efficient growth. Because these accounts are tax-deferred, your money benefits from three layers of growth:

Interest on your principal: Your original investment earns a return.
Interest on your interest: Your earnings stay in the account and grow.
Interest on the tax savings: Money that would have gone to the IRS stays in the account, compounding for your benefit.

No IRS Contribution Limits

Unlike an IRA or 401(k), non-qualified annuities have no IRS-mandated annual contribution limits. Whether you have $50,000 or $5,000,000 to protect from annual taxes, the annuity structure provides a limitless umbrella for deferral. This is particularly valuable for those who have recently sold a business or received an inheritance.

Optimize Your Tax Bracket

By deferring taxes now while you are in a high bracket, you can choose to take distributions later in retirement when your effective tax rate may be lower. Explore our full framework in the Comprehensive Guide to Income for Life.

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.