{"id":37788,"date":"2025-03-25T08:00:00","date_gmt":"2025-03-25T08:00:00","guid":{"rendered":"https:\/\/adra.org\/?p=37788"},"modified":"2026-03-10T19:03:54","modified_gmt":"2026-03-10T19:03:54","slug":"take-your-giving-the-next-level-planned-gifts-that-provide-tax-benefits","status":"publish","type":"post","link":"https:\/\/adra.org\/de\/take-your-giving-the-next-level-planned-gifts-that-provide-tax-benefits","title":{"rendered":"Heben Sie Ihre Spende auf die n\u00e4chste Stufe: Geplante Schenkungen, die steuerliche Vorteile bieten"},"content":{"rendered":"<p>As the 2024 tax year wraps up, you may be looking for a way to save on taxes in 2025. Planned giving is a strategic way to support the causes you care about while maximizing financial benefits. These charitable contributions allow individuals to leave a meaningful legacy, often while enjoying significant tax incentives.&nbsp;<\/p>\n\n\n\n<p>Whether you&#8217;re planning your estate or looking to optimize your financial strategies, planned gifts can provide a win-win for you and the charities you support. After all, wouldn\u2019t you rather give your hard-earned funds to a worthy cause than the IRS?&nbsp;<\/p>\n\n\n\n<p>Let&#8217;s explore some of the most effective planned giving options and their associated tax advantages.<\/p>\n\n\n\n<p><strong>1. Bequests: A Timeless Legacy<\/strong><\/p>\n\n\n\n<p>A bequest is one of the simplest and most popular forms of planned giving. It involves designating a charitable organization as a beneficiary in your will or trust.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: You specify a certain amount, percentage, or asset to be given to a charity in your estate plan.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: Bequests are deductible from the value of your estate, potentially reducing estate taxes. This means your generosity can benefit both the charity and your heirs.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Charitable Gift Annuities: Income for Life<\/strong><\/p>\n\n\n\n<p>Charitable gift annuities (CGAs) allow you to support a charity while securing a steady income stream for yourself or a loved one.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: You transfer cash or assets to a charity in exchange for fixed and guaranteed lifetime payments. After your lifetime, the remaining funds support the charity.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: You may receive an immediate income tax deduction,\u00a0<strong>und<\/strong>\u00a0a portion of your annuity payments may be tax-free. Additionally, appreciated assets used to fund the annuity can reduce capital gains tax liability.<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Charitable Remainder Trusts: Giving and Receiving<\/strong><\/p>\n\n\n\n<p>A charitable remainder trust (CRT) is a versatile tool for balancing philanthropy and personal financial goals. Typically, a CRT is funded with an asset that, if sold, would produce high capital gains taxes. A CRT can help you defer, or even avoid capital gain taxes entirely, while providing you with income for life.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: Assets are placed into a trust that provides income to you or your beneficiaries for a specified period. The remaining assets go to a designated charity.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: Donors receive an immediate income tax deduction based on the charity\u2019s remainder interest, defer capital gains taxes, and reduce estate taxes.<\/li>\n<\/ul>\n\n\n\n<p><strong>4. Donor-Advised Funds: Flexible Giving<\/strong><\/p>\n\n\n\n<p>Donor-advised funds (DAFs) are a convenient and tax-efficient way to manage your charitable giving. Obtain a tax deduction immediately but spread your charitable giving over time.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: You contribute to a fund held by a sponsoring organization and recommend grants to charities over time.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: Contributions to a DAF are immediately tax-deductible. Additionally, you avoid capital gains taxes on appreciated assets contributed to the fund.<\/li>\n<\/ul>\n\n\n\n<p><strong>5. Beneficiary Designations: Simple and Effective<\/strong><\/p>\n\n\n\n<p>Naming a charity as a beneficiary of financial accounts or policies is an easy way to make a planned gift.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: Designate a charity as the beneficiary of your retirement account, life insurance policy, or other financial account.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: These assets pass directly to the charity, avoiding income and estate taxes.<\/li>\n<\/ul>\n\n\n\n<p><strong>6. Real Estate or Appreciated Securities: Smart Asset Transfers<\/strong><\/p>\n\n\n\n<p>Donating real estate or appreciated securities allows you to support a charity without liquidating valuable assets.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works<\/strong>: Transfer ownership of real estate or stocks directly to a charity.<\/li>\n\n\n\n<li><strong>Tax benefit<\/strong>: You can avoid capital gains taxes and may receive a tax deduction for the fair market value of the asset.<\/li>\n<\/ul>\n\n\n\n<p><strong>Maximizing the Impact of Planned Giving<\/strong><\/p>\n\n\n\n<p>Planned giving is more than a financial strategy; it\u2019s a way to align your legacy with your values. To ensure you maximize the benefits of your gift\u2014both for yourself and the charity\u2014consult with a financial advisor, tax professional, or estate planning attorney. These experts can guide you in selecting the right planned giving option to meet your goals.<\/p>\n\n\n\n<p>By incorporating planned gifts into your financial plans, you can make a lasting impact on the causes you care about while securing meaningful tax advantages. It\u2019s a powerful way to give back and build a legacy of generosity.<\/p>\n\n\n\n<p><em>Author: Richard Harrison, Director of Planned Giving, ADRA International<\/em><br><a href=\"https:\/\/adra.giftlegacy.com\">https:\/\/adra.giftlegacy.com<\/a><br><em><a href=\"mailto:plannedgiving@adra.org\">plannedgiving@adra.org<\/a><\/em><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Da das Steuerjahr 2024 zu Ende geht, suchen Sie vielleicht nach einer M\u00f6glichkeit, im Jahr 2025 Steuern zu sparen.<\/p>","protected":false},"author":46,"featured_media":37789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","footnotes":""},"categories":[615,619],"tags":[1137],"class_list":["post-37788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-featured-blog-room","tag-ways-to-give"],"acf":[],"_links":{"self":[{"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/posts\/37788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/comments?post=37788"}],"version-history":[{"count":3,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/posts\/37788\/revisions"}],"predecessor-version":[{"id":44993,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/posts\/37788\/revisions\/44993"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/media\/37789"}],"wp:attachment":[{"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/media?parent=37788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/categories?post=37788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adra.org\/de\/wp-json\/wp\/v2\/tags?post=37788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}