Appreciated Assets
Donating stocks, bonds, and retirement assets can be an easy and tax-effective way for you to provide hope, healing and resilience to Idaho's youth and families.
Retirement Assets
You may be looking for a way to make a big difference to help further our mission. If you are 70½ or older, you may also be interested in a way to lower the income and taxes from your IRA withdrawals. An IRA charitable rollover is a way you can help continue our work and benefit this year.
Benefits of an IRA charitable rollover
- Avoid taxes on transfers of up to $105,000 from your IRA to our organization
- May satisfy your required minimum distribution (RMD) for the year
- Reduce your taxable income, even if you do not itemize deductions
- Make a gift that is not subject to the deduction limits on charitable gifts
- Help further the work and mission of our organization
Simply tell your IRA account custodian that you want to make a "qualified charitable distribution" to Idaho Youth Ranch. You can give up to $105,000 per year. With the IRA rollover gift, you may satisfy all or part of your RMD without paying tax on the distribution to charity. A portion or all of your required minimum distribution is met, and the money goes to work providing life-changing programs to vulnerable kids and families.
Remember matching gift opportunities! Take advantage of any employer-matching gift opportunities you have available. Your gift can grow and make a bigger difference.
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How to donate retirement assets to Idaho Youth Ranch
To leave your retirement assets to Idaho Youth Ranch, you will need to complete a beneficiary designation form provided by your retirement plan custodian. If you designate Idaho Youth Ranch as the beneficiary, we will benefit from the full value of your gift because your IRA assets will not be taxed at your death. Your estate will benefit from an estate tax charitable deduction for the gift.
Did you know that 60%-70% of your retirement assets may be taxed if you leave them to your heirs at your death? Another option is to leave your heirs assets that receive a step up in basis, such as real estate and stock, and give the retirement assets to Idaho Youth Ranch. As a charity, we are not taxed upon receiving an IRA or other retirement plan assets.
Stocks & Bonds
Donating appreciated securities, including stocks or bonds, is an easy and tax-effective way for you to make a gift to Idaho Youth Ranch.
Benefits of gifts of stocks and bonds
- Avoid paying capital gains tax on the sale of appreciated stock
- Receive a charitable income tax deduction
- Further our mission today
How to make a gift of stocks and bonds
By electronic transfer—Please contact us for instructions on how to transfer stock or bonds from your brokerage or investment account to Idaho Youth Ranch.
By certified mail - If you hold securities in certificate form, you will need to mail two envelopes separately to complete your gift. In the first envelope, place the unsigned stock certificate(s). In the other envelope, include a signed stock power for each certificate. You may obtain this power from your broker or bank. Please remember to use certified mail.
More on gifts of stocks and bonds
There are special rules for valuing a stock gift. The value of a charitable stock gift is determined by taking the mean between the high and low stock prices on the date of the gift. Mutual fund shares are valued using the closing price for the fund on the date of the gift.
