Other ways to contribute to SVCHC

Donaciones Planificadas para SVCHC

Creemos en el poder de la filantropía para cambiar vidas de manera positiva. Conozca más sobre las muchas formas en que puede invertir en la gente del Valle de Sonoma, mientras cumple sus objetivos personales a largo plazo de planificación financiera y donaciones benéficas. Estamos aquí para ayudarle a marcar la diferencia.

Testamentos y Fideicomisos en Vida

¿Le interesa apoyar SVCHC con nuestra misión, pero se siente abrumado por la idea de escribir otro cheque o desprenderse de sus bienes hoy?Una forma sencilla, flexible y versátil de asegurarse de que podamos continuar con nuestro trabajo durante muchos años es incluir un regalo en su testamento o fideicomiso en vida, conocido como legado benéfico.Un legado benéfico consiste en una o dos frases en su testamento o fideicomiso en vida que designan una cantidad de dinero, un regalo condicionado a ciertos eventos, o un porcentaje de su patrimonio de SVCHC.

Al incluir un legado de SVCHC en su testamento o fideicomiso en vida, usted está asegurando que podamos continuar con nuestra misión durante muchos años más.

La Historia de un Donante como Usted
Cuando Tom y Martha se casaron, decidieron redactar un testamento para proteger sus bienes. Ambos sentían un gran aprecio por SVCHC  y decidieron incluir un legado de $75,000 en su testamento.A medida que su familia creció y tuvieron tres hijos, Tom y Martha decidieron revisar su donación para asegurar el bienestar financiero de sus hijos. Se reunieron con su abogado y simplemente modificaron el lenguaje del testamento para que su regalo a SVCHC fuera ahora un porcentaje de su patrimonio en lugar de una cantidad específica.Hoy, Tom y Martha viven tranquilos sabiendo que, al fallecer, sus planes cuidarán tanto a las personas como a las causas que más aman.

Designaciones de Beneficiarios 

¿Le apasiona apoyar al SVCHC incluso después de su vida? Esto es posible y fácil de hacer mediante una designación de beneficiario. Solo tiene que nombrar al SVCHC como beneficiario de sus bienes, como planes de jubilación o pólizas de seguro de vida. Puede completar este regalo simplemente llenando un formulario (separado de su testamento).Esta es una forma fácil y flexible de donar: no está atado a las decisiones que tome hoy. Puede revisar y ajustar sus designaciones de beneficiarios en cualquier momento. Una designación de beneficiario identifica claramente cómo se distribuirán ciertos bienes después de su fallecimiento.

La Historia de un Donante como Usted
Robert y Carol valoran profundamente la ayuda financiera que han podido brindar a sus hijos y al Centro de Salud Comunitario del Valle de Sonoma a lo largo de los años.Ahora que sus hijos ya son adultos, Robert y Carol modificaron su plan patrimonial para que trabaje aún más a favor de las personas y causas que aman. La pareja actualizó su testamento para dejar acciones y bienes raíces a sus hijos. Además, donaron una cuenta IRA de $75,000 para ser transferida al Centro de Salud Comunitario del Valle de Sonoma tras su fallecimiento. Como el Centro de Salud Comunitario del Valle de Sonoma está exento de impuestos, los $75,000 completos apoyarán nuestra misión. Si Robert y Carol hubieran dejado la IRA a sus hijos, aproximadamente $18,000* se habrían destinado al pago de impuestos federales sobre la renta, dejando solo $57,000 para el uso de su familia. Robert y Carol se sienten tranquilos sabiendo que, gracias a su plan patrimonial actualizado, están aprovechando al máximo el fruto de su esfuerzo.

*Basado en una suposición de una tasa impositiva marginal del 24% sobre la renta

Anualidades de Donaciones Caritativas

When you are looking for ways to support Sonoma Valley Community Health Center you shouldn’t feel like you are choosing between your philanthropic goals and financial security. One gift that allows you to support Sonoma Valley Community Health Center’s work while receiving fixed payments for life is a charitable gift annuity. Not only does this gift provide you with regular payments and allow us to further our work, but when you create a charitable gift annuity with Sonoma Valley Community Health Center, you can receive a variety of tax benefits, including a federal income tax charitable deduction when you itemize. A charitable gift annuity involves a simple contract between you and Sonoma Valley Community Health Center where you agree to make a gift to Sonoma Valley Community Health Center and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

La Historia de un Donante como Usted
Por ejemplo, Justin, de 66 años, y Mary, de 65, desean hacer una contribución al Centro de Salud Comunitario del Valle de Sonoma que respalde nuestro trabajo por generaciones, pero también quieren asegurarse de tener ingresos confiables durante sus años de jubilación.Establecen una anualidad benéfica de $20,000 con el Centro de Salud Comunitario del Valle de Sonoma. Según sus edades, recibirán una tasa de pago del 4.5%, lo que significa que recibirán $900 cada año por el resto de sus vidas.También fueron elegibles para una deducción caritativa del impuesto federal sobre la renta de $6,129* al detallar sus deducciones. Finalmente, saben que, después de su fallecimiento, el monto restante se utilizará para apoyar nuestra misión.

*Based on annual payments and a 3.2 percent charitable midterm federal rate. Deductions and calculations will vary depending on your personal circumstances.

Charitable Remainder Trusts

Looking for a way to give Sonoma Valley Community Health Center a significant gift? If you have built up a sizeable estate and are also looking for ways to receive reliable payments, you may want to check out the advantages of setting up a charitable remainder trust. A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

Benefits of a charitable remainder trust include:

• Potential for a partial charitable income tax deduction
• Potential for increased income
• Up-front capital gains tax avoidance

There are two ways to receive payments with charitable remainder trusts:

The annuity trust pays you, each year, the same dollar amount you choose at the start. Your payments stay the same, regardless of fluctuations in trust investments.

The unitrust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. The amount of your payments is redetermined annually. If the value of the trust increases, so do your payments. If the value decreases, however, so will your payments.

Story of a Donor Like You
Susan, 75, wants to make a gift to Sonoma Valley Community Health Center but would also like more income in the future. Susan creates a charitable remainder unitrust which pays her 6 percent of the fair market value of the trust assets every year for the rest of her life. The value of the trust assets are revalued annually. She funds the trust with assets valued at $500,000.

Susan receives $30,000 the first year from the trust. Subsequent payment amounts vary each year depending on the annual valuations of the trust assets. She is eligible for a federal income tax charitable deduction of $276,880* in the year she creates and funds the trust. This deduction saves Susan $88,232 in her 32 percent tax bracket.

*Based on annual payments and a 3.2 percent charitable midterm federal rate. Deductions and calculations will vary depending on your personal circumstances.

Charitable Lead Trusts

Would you like to support Sonoma Valley Community Health Center, receive tax savings and preserve future assets for your family? You can achieve these goals by creating a charitable lead trust. A charitable lead trust is when you give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

There are two ways charitable lead trusts make payments:

A charitable lead annuity trust pays a fixed amount each year to Sonoma Valley Community Health Center and is more attractive when interest rates are low.

A charitable lead unitrust pays a variable amount each year based on the value of the assets in the trust. With a unitrust, if the trust’s assets go up in value, for example, the payments to Sonoma Valley Community Health Center go up as well.

Story of a Donor Like You
George would like to support Sonoma Valley Community Health Center and provide for his children. George received a windfall amount of income and needs a large income tax deduction to offset the income. Following his advisor’s recommendation, George funds a grantor charitable lead annuity trust with assets valued at $1,000,000. George’s trust pays $70,000 (7 percent of the initial fair market value) to Sonoma Valley Community Health Center each year for 15 years, which will total $1,050,000. After that, the balance in the trust reverts back to George. He receives an income tax charitable deduction of $854,311. Assuming the trust earns an average 6 percent annual rate of return, George receives approximately $767,240 at the end of the trust term.

Real Estate

Want to make a big gift to Sonoma Valley Community Health Center without touching your bank account? Consider giving us real estate. Real estate can be a personal residence, vacation home, farm, commercial property or undeveloped land. Such a generous gift helps us continue our work for years to come. And a gift of real estate also helps you. When you give us appreciated property you have held longer than one year, you qualify for a federal income tax charitable deduction. You avoid paying capital gains tax. And you no longer have to deal with that property’s maintenance costs, property taxes or insurance. Another benefit: you don’t even have to sell the property. You can deed the property directly to Sonoma Valley Community Health Center or ask your attorney to add a few sentences in your will or trust agreement.

Ways to Give Real Estate

You can give real estate to Sonoma Valley Community Health Center in the following ways:

An outright gift. When you make a gift today of real estate you have owned longer than one year, you qualify for a federal income tax charitable deduction equal to the property’s full fair market value. This deduction lets you reduce the cost of making the gift and frees cash that otherwise would have been used to pay taxes. By donating the property to us, you also eliminate capital gains tax on its appreciation.

A gift in your will or living trust. A gift of real estate through your will or living trust allows you the flexibility to change your mind and the potential to support our work with a larger gift than you could during your lifetime. In as little as one sentence, you can ensure that your support for Sonoma Valley Community Health Center continues after your lifetime.

A retained life estate. Perhaps you like the tax advantages a gift of real estate to our organization would offer, but you want to continue living in your personal residence for your lifetime. You can transfer your personal residence or farm to Sonoma Valley Community Health Center but keep the right to occupy (or rent out) the home for the rest of your life. You continue to pay real estate taxes, maintenance fees and insurance on the property. Even though Sonoma Valley Community Health Center would not actually take possession of the residence until after your lifetime, since your gift cannot be revoked, you qualify for a federal income tax charitable deduction for a portion of your home’s value.

A deferred charitable gift annuity.  Are you tired of the hassles of maintaining your property such as paying taxes, utilities and repair bills? Consider donating the property to Sonoma Valley Community Health Center in exchange for reliable payments for life for you (and someone else, if you choose). When you arrange a charitable gift annuity, you receive a federal income tax charitable deduction in the year you set up the gift annuity when you itemize on your taxes. If you use appreciated real estate to make a gift, you can usually eliminate capital gains tax on a portion of the gift and spread the rest of the gain over your life expectancy. A gift of unmortgaged property to fund a deferred gift annuity is preferable and generates the greatest tax benefit.

A bargain sale. Want to sell us your property for less than the fair market value? A “bargain sale” may be the answer. When you make a bargain sale, you sell your property to our organization for less than what it’s worth. The difference between the actual value and the sale price is considered a gift to us. A bargain sale can be an effective way to dispose of property that has increased in value and it is the only gift vehicle that can give you a lump sum of cash and a charitable deduction (when you itemize) at the same time.

A charitable remainder unitrust. You can contribute any type of appreciated real estate you’ve owned for more than one year, provided it’s unmortgaged, in exchange for an income stream for life or a term of up to 20 years. The donated property may be a residence (a personal residence must be vacant upon contribution), undeveloped land, a farm or commercial property. Real estate works well with only certain variations of charitable remainder trusts. Your estate planning attorney, who will draft your trust, can give you more details.

A charitable lead trust. This gift can be a wonderful way for you to benefit Sonoma Valley Community Health Center and simultaneously transfer appreciated real estate to your family tax-free. You should consider funding the charitable lead trust with real estate that is income-producing and expected to increase in value over the term of the trust.

A memorial or endowed gift. A gift of real estate may be a perfect way to honor your loved one in perpetuity. When you make an endowed gift of real estate, your contribution is invested with and becomes part of our endowment. An annual distribution is made for the purpose you designate. Because the principal remains intact, the fund will generate support in perpetuity.

Story of a Donor Like You
Janet purchased a rental property years ago and has watched it grow steadily in value. Still active in her career and traveling frequently, she’s beginning to find management of the property more and more of a hassle. At this stage of her life, Janet has decided to move to a 55+ condominium development, where all exterior maintenance is provided and she doesn’t have to worry about security issues. Janet sees this as an opportunity to give her rental property to a charity that’s important to her while realizing valuable tax benefits.

Janet avoids capital gains tax on the appreciation and qualifies for a federal income tax charitable deduction of $250,000, which is the property’s fair market value today. She is able to claim 30 percent of her $200,000 adjusted gross income, or $60,000, in the year of the gift. In the five years following, she can continue to use up the remaining $190,000 deduction. Janet is happy in her new condo and loves knowing that the gift of her property will make a big difference supporting our mission.

Next Steps

1. Contact Ryan Pocock at 858-334-9259 or rpocock@svchc.org to discuss the possibility of making an estate gift to Sonoma Valley Community Health Center.
2. Seek the advice of your financial or legal advisor to make sure this gift fits your goals.
3. If you include Sonoma Valley Community Health Center in your plans, please use our legal name and federal tax ID.

Legal Name: Sonoma Valley Community Health Center
Address: 19270 Sonoma Highway, Sonoma, CA 95476
Federal Tax ID Number: 68-0286382