Overview
Not a trust but a contract between you and a charity: you transfer cash or assets, and in return the charity pays you (and optionally a second person) a fixed amount for life. Part of the transfer is a deductible charitable gift and part is an annuity, with a portion of each payment often returned tax-free. The simplest way to combine guaranteed lifetime income with charitable support.
Best For
- Older donors wanting guaranteed, simple lifetime income
- Givers who want a deduction without trust administration
- Those making a meaningful one-time gift to a single charity
📊 Key Tax & Giving Advantage
Partial charitable deduction up front, with a portion of each payment treated as a tax-free return of principal during life expectancy.
Considerations
- Payments are an obligation of the charity, backed by its assets
- Rates are typically based on published ACGA schedules
- Irrevocable once funded
Interested in Charitable Gift Annuity?
Every philanthropic structure should be tailored to your assets, goals, and state law. Request a private consultation and we'll help you choose and establish the right vehicle.
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