Are you looking for a way to provide yourself or a loved one a fixed payment for life and leave a lasting gift to United Way?

If so, a charitable gift annuity might be the right gift for you. A charitable gift annuity is a contract between you and United Way, in which you transfer cash or appreciated assets in exchange for a guaranteed, fixed payment for life. The annuity payments can be quite high (relative to CDs and money market accounts) depending on your age, and a portion of the payment stream may event be tax-free. Best of all, you receive a charitable deduction for the value of the future gift and the satisfaction of supporting your community through United Way.

Charitable gift annuities can be set up with one or two income beneficiaries. The minimum age is 60 and the minimum amount to fund an annuity is $10,000. Payments can be made on a quarterly, semi-annual or annual basis.

RATES FOR A CHARITABLE GIFT ANNUITY*

^{*As of February 2009. Rates for two lives are available upon request}

Current Gift Annuity

You can transfer cash or securities for a fixed payment beginning as soon as possible.

EXAMPLE: Sarah purchased stock several years agofor $2,000 and the stock appreciated to $20,000.She was about to retire and waslooking for a securesource of future income. Because of the fluctuatingmarkets, she wanted to sell her stock but avoidpaying highcapital gains tax. Sarah decided totransfer her stock in exchange for the 5.3% fixedannuity payments, because of her age (65 yrs).Sarah will receive income now, take a currentcharitible deduction and avoid some capital gains taxon the gift and a portion of herincome would be tax-free.

"A Charitable Gift Annuity makes the best sense in the world to me. It provides me with a secure income I can count on through the years and allows me to give a gift to an organization I believe in" "No better way of investing and giving than a Charitible Gift Annuity with United Way, it just makes sense." Jane Ritter

Deferred Gift Annuity

If you are not ready to receive payments until retirement you can establish a deferred gift annuity, take the charitable deduction now and receive payments at a designated furture date.

EXAMPLE: Matt was a VP with a large corporation. He recently sold a rental property and was looking to invest the $75,000 cash from the sale. He wasn't ready to retire, but was interested in investment options that would provide income for the future. A gift planner at United Way told Matt that a deferred gift annuity would meet his goals. He could fund a deferred gift annuity and receive an immediate charitable tax deduction. He could begin taking payments at a fixed date in the future or be flexible with his retirement date.

For more information on Charitable Gift Annuities or a customized illustration please contact:

Susan Kenyon
Director of Major Gifts
941-366-2686 ext. 307
susank@uwsrq.com