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Smart Giving

Smart Giving is when you learn how to leverage your financial resources to benefit your favorite nonprofit organization(s). By talking to a financial planning specialist with special expertise in charitable giving, you might well discover that you can do much more than you thought possible to further the causes close to your heart, while at the same time strengthening your own fiscal position. The benefits of Smart Giving may include:

Sound good to you? Let’s make it a win-win! 

Please use our legal name, “Alum Rock Counseling Center, Inc.” if you are interested in naming us as a beneficiary of your will, charitable trust, retirement account, or life insurance policy.

We deeply appreciate your investment in the long-term health and well-being of our agency.

NOTE: Please be aware that the information presented here is general in nature and does not constitute legal, financial, or tax advice. Individuals considering their charitable giving options should contact their professional advisors for information pertaining to their specific financial and tax situations.

Types of Smart Giving

Stocks/Securities

Donating stock is highly tax-efficient and makes your contribution to ARCC more impactful compared to selling the stock and donating the cash proceeds.

If you wish to transfer stock or other securities to Alum Rock Counseling Center, please complete our Online Form

Our Development Team will follow up with you to complete the paperwork.

Charitable Gift Annuity

A charitable gift annuity is a simple contract between you and ARCC that allows you to make a significant gift to our benefit while receiving fixed payments for life, regardless of the economic climate. The annuities simultaneously provide a charitable donation, a partial income tax deduction for the donation and a guaranteed lifetime income stream to the annuitant and sometimes a spouse or other beneficiary.

Information can be found at American Council on Gift Annuities

Charitable Remainder Trust

With a Charitable Remainder Trust, you irrevocably transfer assets to a trust and arrange for payments to be made to you as the donor or your beneficiaries for a maximum of 20 of years or until the end of your (or another’s) life. Income is payable either in fixed or variable amounts depending upon the type of remainder trust that you establish (i.e., Annuity Trust or Unitrust). The amount of income you or your beneficiaries are able to receive depends, in part, upon your age or the age of your beneficiaries. Upon the termination of the trust, ARCC receives the remainder of the assets.

Information can be found at Charitable Remainder Trusts

Charitable Lead Trust

With a Charitable Lead Trust, you irrevocably transfer assets to a trustee and arrange for payments to be made to ARCC at an agreed upon rate for a certain term of years or until the end of your (or another’s) life. At the end of the term of the trust, the assets are transferred back to the donor or to a designated beneficiary or beneficiaries.

Information can be found at Charitable Lead Trusts

Life Insurance

Here are three ways you can donate a life insurance policy to ARCC:

Information can be found at DAFgiving360™

Retained Life Estates

For many donors, their home is their most valuable asset. They most likely plan to live there for many years and it might never occur to them that they could use their home to make a charitable gift during their lifetime. Likewise, there are many donors with a valuable second home that they continue to use regularly and have never considered giving to charity. In both cases, the retained life estate may offer the key to unlocking just such a gift. A retained life estate allows you to deed property to ARCC and reserve the right to live in or use the property for a term of years or life.

Information can be found at Renaissance Financial

Retirement Accounts

Leveraging your individual retirement account (IRA), 401(k), 403(b), Keogh plan, employer retirement plan, or other qualified pension plan to give to a charitable cause either during or after your lifetime can result in significant benefits to you, your heirs, and ARCC.

Tax laws are frequently changing; please contact a professional advisor for information regarding up-to-date rules and what might be best for you financially.

Wills and Bequests

For many youth and families, the support they receive through ARCC’s programs and services is a gift that lasts a lifetime. The skills they learn, the life paths they choose, and who they ultimately become often benefits not only them, but their families, their children, their friends, and the communities in which they work and live.

Designating ARCC as a beneficiary of your will or trust is a beautiful way to honor the value of that experience. Through your bequest in the form of cash, securities, or personal property, you can help make it possible for future generations of youth to continue to “pay it forward” and embrace life-giving cycles of abundance, academic success, and emotional, physical, and financial well-being.

Click here for sample will and bequest language.

If you are interested in designating your bequest towards a specific purpose, please contact the Director of Development & Communications in order to ensure that we will be able use your gift as specified. ARCC kindly requests that you notify the Development Office of your intention to include us in your estate plans so that we may include you in our Legacy Society as well as on associated invitations and announcements.