年终慈善礼物与你

你会在年底进行慈善捐赠吗? 如果是这样的话, you should know about some of the financial "fine print" involved, as the right moves could potentially bring more of a benefit to both you and your chosen charity.

记住, this article is for informational purposes only and is not a replacement for real-life advice. 一定要咨询你的税务, 法律, or accounting professionals before modifying your charitable gifting strategy.

评估影响

你如何能最大限度地发挥你的捐献的影响力? First, consider giving to a qualified charity with 501(c)(3) nonprofit status. 也, “慈善导航, 慈善机构表, and Give Well have websites that offer information to help you evaluate a charity and learn about how effectively it utilizes donations. 如果你想捐一大笔钱, it is often wise to ask the charity involved how it will use your gift.

If you're still working, you may want to check with your employer. Some companies match charitable contributions made by their employees, 一个经常被忽视的回报的机会.

逐项优化

To deduct charitable donations, you must itemize them on 国税局 Schedule A. 所以，你需要记录每笔捐款. Ideally, the charity will provide you with a form to document proof of your contribution. If the charity does not have such a form handy (and some do not), 收据, 信用卡或借记卡对账单, 银行对账单, 或者作废支票也可以. The 国税局 may want to know three things: the name of the charity, 赠与的金额, 还有你送礼物的日期.¹

还记得, itemized deductions may only have tax benefits when they exceed the standard income tax deduction, so be sure to check on the standard deduction amount for your tax filing year.

表达你的感激

许多慈善机构欢迎非现金捐赠. In fact, donating an appreciated asset can be a tax-savvy move. You may wish to explore a gift of highly appreciated securities. 出售证券可能导致应税事件. 作为一种选择, you or a financial professional can write a letter of instruction to a bank or brokerage, which can facilitate authorizing a transfer of shares to a charity.

这种转移可以完成三件事:

• You can manage paying the tax you would normally pay upon selling the shares.
• You may be able to take a current-year tax deduction for the full fair market value of the shares.
• The charity gets the full value of the shares, not their after-tax net value. 这在任何情况下都是一个成功的策略.¹

回馈政策

你有人寿保险吗? If you make an irrevocable gift of that policy to a qualified charity, 你可以获得当年的所得税减免. If you keep paying the policy premiums, each payment may become a deductible charitable donation. (可适用扣除限额.) If you pay premiums for at least three years after the gift, 这样可以减少你应税财产的规模. The death benefit may be transferred out of your taxable estate, in any case.²

You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments. Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. Life insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications.

无论你的情况如何, getting advice from a tax or financial professional can help you give wisely as the year comes to a close. We're here to help find a strategy that works for your situation.

1. 国税局.政府,2023
2. Investopedia.2023年3月2日

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or 法律 advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 手机赌博软件下载 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.