退休资产捐赠
捐赠部分或全部未使用的退休资产，如您的IRA、401(k)、403(b)、养老金或其他税收递延计划，是向ECM捐赠的绝佳方式。
如果您像大多数人一样，您可能不会在有生之年使用所有的退休资产。您可以将未使用的退休资产捐赠给ECM，以帮助推进我们的使命。
**合格慈善捐赠（QCD）**是一种免税的方式，可以从IRA向合格慈善机构捐赠资金：
如何进行退休资产捐赠
要将您的退休资产留给ECM，您需要填写您的退休计划托管人提供的受益人指定表格。
如果您指定ECM为受益人，我们将受益于您的全部捐赠价值，因为您的IRA资产在您去世时不会被征税。您的遗产将受益于遗产税慈善扣除。
更多关于退休资产捐赠的信息
您是否知道，如果您在去世时将60%-70%的退休资产留给您的继承人，这些资产可能会被征税？另一种选择是将您的继承人资产留给那些基础价值会提高的资产，如房地产和股票，并将退休资产捐赠给ECM。作为一家慈善机构，我们不会因为收到IRA或其他退休计划资产而被征税。
如果您像大多数人一样，您可能不会在有生之年使用所有的退休资产。您可以将未使用的退休资产捐赠给ECM，以帮助推进我们的使命。
**合格慈善捐赠（QCD）**是一种免税的方式，可以从IRA向合格慈善机构捐赠资金：
- 谁可以进行QCD？年龄至少70.5岁的人可以进行QCD。
- 可以捐赠多少？2024年可捐赠的最大金额为105,000美元。
- 如何进行捐赠？IRA托管人必须直接向慈善机构捐赠。
- 税收优惠: 捐赠金额不包括在捐赠者的应纳税所得额中。QCD还可以计入捐赠者当年的最低必要分配（RMD）。
- 其他好处:QCD可以降低捐赠者的调整后总收入，从而可能降低他们的税率和税单。
- 谁可以使用QCD？QCD不仅限于将扣除额逐项列出的纳税人。
如何进行退休资产捐赠
要将您的退休资产留给ECM，您需要填写您的退休计划托管人提供的受益人指定表格。
如果您指定ECM为受益人，我们将受益于您的全部捐赠价值，因为您的IRA资产在您去世时不会被征税。您的遗产将受益于遗产税慈善扣除。
更多关于退休资产捐赠的信息
您是否知道，如果您在去世时将60%-70%的退休资产留给您的继承人，这些资产可能会被征税？另一种选择是将您的继承人资产留给那些基础价值会提高的资产，如房地产和股票，并将退休资产捐赠给ECM。作为一家慈善机构，我们不会因为收到IRA或其他退休计划资产而被征税。
联系我们
如果您对退休资产捐赠有任何疑问，请与我们联系。我们很乐意为您提供帮助并回答您的任何问题。如果您已经将ECM列为您的退休资产的受益人，请让我们知道。我们想感谢您并表彰您的捐赠。
如果您对退休资产捐赠有任何疑问，请与我们联系。我们很乐意为您提供帮助并回答您的任何问题。如果您已经将ECM列为您的退休资产的受益人，请让我们知道。我们想感谢您并表彰您的捐赠。
- 电邮：[email protected]
- 电话：+1 (313)473-0633 李姐妹
Gifts of Retirement Assets
Donating part or all of your unused retirement assets, such as your IRA, 401(k), 403(b), pension or other tax-deferred plan, is an excellent way to make a gift to ECM.
If you are like most people, you probably will not use all of your retirement assets during your lifetime. You can make a gift of your unused retirement assets to help further our mission.
A Qualified Charitable Distribution (QCD) is a tax-free way to donate money from an IRA to a qualified charity:
How to make a gift of retirement assets
To leave your retirement assets to ECM, you will need to complete a beneficiary designation form provided by your retirement plan custodian.
If you designate ECM as 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.
More on gifts of retirement assets
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 ECM. As a charity, we are not taxed upon receiving an IRA or other retirement plan assets.
If you are like most people, you probably will not use all of your retirement assets during your lifetime. You can make a gift of your unused retirement assets to help further our mission.
A Qualified Charitable Distribution (QCD) is a tax-free way to donate money from an IRA to a qualified charity:
- Who can make a QCD? Individuals who are at least 70 1/2 years old can make a QCD.
- How much can be donated? The maximum amount that can be donated in 2024 is $105,000.
- How is the donation made? The IRA trustee must make the donation directly to the charity.
- Tax benefits: The donated amount is not included in the donor's taxable income. QCDs can also count toward a donor's required minimum distribution (RMD) for the year.
- Other benefits: QCDs can reduce a donor's adjusted gross income, which may lower their tax bracket and tax bill.
- Who can use QCDs? QCDs are not limited to taxpayers who itemize their deductions
How to make a gift of retirement assets
To leave your retirement assets to ECM, you will need to complete a beneficiary designation form provided by your retirement plan custodian.
If you designate ECM as 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.
More on gifts of retirement assets
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 ECM. As a charity, we are not taxed upon receiving an IRA or other retirement plan assets.
Contact Us
If you have any questions about gifts of retirement assets, please contact us. We would be happy to assist you and answer any questions that you have.
Please let us know if you have already included ECM as a beneficiary of your retirement assets. We would like to thank you and recognize you for your gifts.
If you have any questions about gifts of retirement assets, please contact us. We would be happy to assist you and answer any questions that you have.
Please let us know if you have already included ECM as a beneficiary of your retirement assets. We would like to thank you and recognize you for your gifts.
- Email：[email protected]
- Phone：+1 (313)473-0633 Ms. Li
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22888 22882 美国： Europe Campus Ministry P.O. Box 87202 Canton, MI 48187, USA [email protected] Phone: (313) 473-0633 德国： 佘明恩 传道 [email protected] Tel: +49-(0)17641670421 |
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