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TAP INTO PLANNED GIVING TO HELP SECURE YOUR NONPROFIT'S FUTURE

Business Ownership // Estate & Giving // Article
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Building a long-term pipeline may deliver the confidence your organization
needs. 

For a nonprofit that relies on donors to keep it operating, wondering when the
next wave of funds will come can be stressful. This has become even more
relevant recently because according to the Giving USA 2023 report, total giving
to US charities in 2022 declined compared to the previous year.

While economic uncertainty and high inflation are partially to blame for the
decrease, there are always ebbs and flows in charitable giving. However,
focusing on a long-term planned giving strategy could help smooth the waves,
fill your nonprofit’s pipeline – and work toward securing its future.

BENEFITS OF PLANNED GIVING

In 2022, individual donations accounted for only 64% of overall contributions
received by nonprofit organizations. Although nonprofits invest a significant
amount of resources appealing to individuals for specific campaigns throughout
the year, there is a more strategic (and potentially higher value) approach that
can have a greater impact on your fundraising efforts.

Planned giving, where donors designate charitable gifts to a nonprofit for a
future date, has benefits for both parties. For nonprofits, it amounts to a
projectable, dependable source of general funding. You can count on what funds
will be coming your way and may even know when they’re coming, depending on the
type of vehicle used.

For a charity, planned giving acts as a buffer against economic uncertainty and
can counteract a drop in donations. Planned giving can also deepen relationships
between the donors and nonprofit, leading to larger or more regular gifts
outside of the commitment. One study found donors that added a charity to their
wills increased their annual gifts by more than $3,000 in the following years.

For donors, there are multiple ways to execute these planned gifts, making
giving more flexible. Planned giving widens the potential donor pool and
attracts people who may not be able to make a cash donation now but have
charitable giving in their heart.

Donors who leave significant planned gifts to their favorite charities can be
recognized for their support during their lifetime while leaving a meaningful
legacy behind. The preplanned nature of the donation allows the donor to add
requirements to their gift, giving them more control over how the funds are
used. Another advantage? These gifts usually offer tax breaks for the donor’s
heirs.

DIFFERENT TYPES OF PLANNED GIVING

The best way to approach a planned giving strategy is proactively.
Unfortunately, charities tend to set up planned giving programs in response to
donors asking for them, which leads to a haphazard approach. Be thoughtful in
the creation of your planning giving strategy, considering what would most
benefit your organization and best appeal to a broader donor audience.

Some of the most common planned giving strategies include:

 * Beneficiary designation: The simplest form of planned giving is donors naming
   your nonprofit as their beneficiary, so your organization will receive the
   funds after the donor’s passing. The donor doesn’t have to part with the
   money during their lifetime and doesn’t owe any estate taxes on the amount of
   the bequest.
 * Charitable gift annuities: A donor makes a sizeable donation to your
   organization, which is set aside and invested. The donor gets immediate tax
   savings and receives a fixed monthly or quarterly payment from you (supported
   by the investment) for the rest of their life. At the end of their life, your
   charity receives the remainder of the gift.
 * Charitable remainder annuity trust (CRAT): A CRAT allows the donor to benefit
   from immediate tax savings and provides an income stream to the donor or its
   beneficiaries for an extended period. It distributes a fixed annuity amount
   each year for the term of the CRAT, and gifts the named charity the
   remainder.
 * Charitable remainder unitrust (CRUT): A CRUT also allows the donor to take
   advantage of immediate tax savings and provides income for them or their
   beneficiaries. It differs from a CRAT only in that the annual distribution is
   a percentage of the trust, between 5% and 50%. The named charity gets the
   remainder.
 * Pooled income funds: A type of charitable trust, a pooled income fund allows
   contributors to pool their resources for investing purposes. The investment
   provides dividends for contributors during their lifetime; the remaining
   funds go to the nonprofit.
 * Donor advised fund (DAF): This type of fund, which is eligible for an
   immediate tax deduction, allows donors to recommend grants to their preferred
   charities. Donors can add to the fund as often as they like and distribute
   contributions at a later time.

HOW TO IMPLEMENT A PROGRAM

While putting together a planned giving program may feel like an overwhelming
endeavor to take on, it can be delegated to a trusted partner, like Raymond
James. While it requires time and effort to set up a giving program, the payback
on this long-term strategy could be the steady, reliable income stream your
nonprofit needs.

Once your plan is in place, market the benefits of planned giving to your
donors. Show them how they can enjoy potential tax savings on their estate now
while having full control over the legacy they want to leave once they’re gone.
Emphasize the long-term impact their commitment will have on your organization’s
mission.

Be thoughtful in your approach to creating and sharing planned giving
opportunities – and your organization will reap the reward.

NEXT STEPS:

As you consider implementing a planned giving strategy in your organization:

 * Familiarize yourself with the different types of planned giving opportunities
   you can offer.
 * Think about how you can share these planned giving options with potential
   donors.
 * Talk to your advisor and legal consultant about the strategies that would
   most benefit your nonprofit.

Sources: philanthropyroundtable.org; resources.freewill.com;
fidelitycharitable.org; nbcnews.com; trustandwill.com; keela.co; donorbox.org

The foregoing information has been obtained from sources considered to be
reliable, but we do not guarantee that it is accurate or complete, it is not a
statement of all available data necessary for making an investment decision, and
it does not constitute a recommendation.

Raymond James and its advisors do not offer tax or legal advice. You should
discuss any tax or legal matters with the appropriate professional.

Dividends are not guaranteed and must be authorized by the company’s board of
directors.

Please be aware that there may be substantial fees, charges and costs associated
with establishing a charitable remainder trust or some of the other strategies
mentioned.

Strategies mentioned may not be suitable for all investors. Prior to making an
investment decision, please consult with your financial advisor about your
individual situation.



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 * Raymond James & Associates: 5847 San Felipe St, Ste 3900 Houston, TX
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