You can secure an income for life and eliminate the hassle of managing your investments.  And you can do all of this while providing much needed support for our organization. How is this triple benefit possible? It is possible with a Charitable Remainder Annuity Trust.

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Bequest (Charitable)
Leave your legacy by making a gift in your Will to the Pueblo Community College Foundation. A bequest is one of the simplest ways to remember those you care about most.

• Specific bequest.  This is a gift of a specific item to a specific beneficiary
• General bequest.  This is usaully a gift of a stated sum of money.
• Contingent bequest.  This is a bequest made on condition that a certain event must occur before distribution to the beneficiary.
• Residuary bequest.  This is a gift of all the "rest, residue and remainder" of your estate after all other bequests, debts and taxes have been paid.
• Unrestricted bequest.  This is a gift for our general purposes, to be used at the discretion of our governing board.
• Restricted bequest.  This type of gift allows you to specify how the funds are to be used.
• Honorary or memorial bequest.  This is a gift given "in honor of" or "in memory of" someone.
• Endowment bequest.  This bequest allows you to restrict the principal of your gift, requiring us to hold the funds permanently and use only the investment income they generate.

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Cash (Gifts of)
It's the simplest way to give, however, you can deduct a cash gift for income tax purposes only in the year in which you contribute it. Your cash gifts are deductible up to 50 percent of your adjusted gross income for the taxable year with any excess deductible over the next five years.

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Charitable Gift Annuities
A gift annuity is a simple, contractual agreement between one or two donors and the Pueblo Community College Foundation in which you transfer assets to the College in exchange for our promise to pay you an annuity.  By donating through a gift annuity, you can accomplish two things:  contract for a fixed payment for yourself or, for yourself and another individual and make a gift to the Pueblo Community College Foundation. If you itemize deductions on your tax return, you will get a charitable deduction.

Establishing a charitable gift annuity is a safe way to produce secure, steady payments for yourself while providing significant benefits to us.

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Charitable Gift Annuities (Deferred)
Can your gift that we will receive years from now still be deductible on your tax return this year? If you make a gift through a charitable gift annuity, it can!

Deferred charitable gift annuities allow you to defer payments until a time when you may need the payments more and when you may be in a lower income tax bracket.

If you wish, with a gift annuity plan, your payments can start right away. But instead of receiving an immediate payment, you migh want to defer it until a later date, such as when you retire.

Many of our friends who have been discouraged, or even hurt, by low earnings on their cash investments are discovering that they can help our organization and help themselves by the same means -- a chartiable gift annuity contract.

Establishing a charitable gift annuity is a safe way to produce secure, steady payments for yourself while providing significant benefit to us.

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Charitable Lead Trusts
If your goal is to provide an inheritance for your children but you would also like to make a significant charitable gift through your estate, find out how a charitable lead trust can help you satisfy both objectives. A charitable lead trust can provide a significant charitable gift through your estate and provide an inheritance to your children.

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Charitable Remainder Trusts
What are your plans for the future? While there is no single way to achieve all of your personal and financial goals, here is one strategy that can meet many of your needs. It's called a charitable remainder trust. If you are looking for a way to boost your retirement income and save income taxes, look into what a Charitable Remainder Trust can do for you and our Foundation. This plan can increase your income, reduce your taxes, unlock appreciated investments, rid you of investment worries and ultimately provide very important support.

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Closely Held Stock (Gifts of)
See how one simple plan -- a plan that you may never have even conceived of -- can help you make a donation and receive something in return. At first, it may sound a bit strange, but if you learn about the many benefits of donating closely held stock, you will discover that it isn't a strange plan, but a plan that works.

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Endowments
If you want to provide permanent financial support for the programs and services of our organization, consider an endowment. Endowments are the springboards from which charitable organizations start new and better programs. An endowment is truly a way to make your philanthropic vision and gift last forever. Establishing an endowment fund not only offers ongoing support for our charitable organization, it also provides tax benefits and a public memorial for the donor.

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Estate Planning (In General)
A solid charitable giving plan could be the best way to circumvent those taxes that can eat up your estate.

Careful estate and financial planning can help you solve the challenges of paying for your child's education, caring for your aging parents, securing your financial future and helping your grandchildren.

An important but often overlooked motive for creating an estate plan is to transfer your values to the next generation.

If you're looking for a good way to make a charitable donation to an organization you care greatly about, like our organization, but don't have large estate assets, look into using an insurance policy.

Talking with loved ones about your estate planning documents relieves them of the burden of making decisions at what will be a trying time in their lives.

Every individual has his or her own unique situation, and those unique situations call for unique estate planning.

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For Older Adults
If you are looking for a way to boost your retirement income and save income taxes, look into what a charitable remainder trust can do for you and our organization.

There are many alternatives to home ownership when you're concerned with leaving more to your heirs.

A Charitable Remainder Unitrust can be an effective way to protect your retirement income from the effects of inflation and ultimately benefit our organization.

Important but often overlooked motives for creating an estate plan are: to transfer your values to the next generation; if you want to make sure your family is provided for; or hope to minimize taxes on your estate.

If you have put off making your Will or if you have an old Will that's out of date, it's time to make some changes. 

If you've given consideration to what would happen if you became terminally ill or permanently unconsicous, then you should consider looking into a Living Will and a Health Care Proxy.

If you're looking for a good way to make a charitable donation to an organization you care greatly about, like our organization, but don't have large estate assets, look into using an insurance policy.

The stock market is a game you can play -- and win -- at any age. Sound financial advisors suggest that the closer to retirement you are, the less risk you should be taking in your portfolio. However, being too conservative can also be risky. Learn how to design a financial plan that is smart and that meets your needs.

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For Physicians
As physicians plan for retirement, an irreovcable Charitable Remainder Trust can be an important tool for supporting our organization, gaining additional retirement income and earning tax deductions.

Consider one of the many ways you can use your real estate to help our organization meet its critical needs.

An important estate planning goal is to reduce estate taxes to the lawful minimum permitted by Congress, and Trusts are key to accomplishing this.

Have you experienced changes in your life but not changed your Will to reflect those changes? Find out more about circumstances that affect your Will and what you may need or want to change.

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For Professional Advisors
Improve income for yourself and others, make an income tax charitable deduction and avoid capital gain taxes with an irrevocable Charitable Remainder Trust.

Several types of charitable techniques are available to donors whose planning goals are two-fold: one, to provide benefits to the donor's favorite charitable organizations, and two, to financially assist the donor's children and grandchildren.

Become educated on the many plans that fall under the three main groups of gift planning.

Whether direct or indirect, if you're looking for a way to benefit yourself with possible increased cash flow and tax savings and benefit a charitable organization, consider a gift of life insurance.

Every individual has his or her own unique situation, and those unique situations call for unique estate planning.

Cash may not always be the best option for making a charitable gift to a charitable organization like ours. Even when cash is available for a gift, consider a gift of appreciated property first. A gift of appreciated property can offer maximum benefits to the charitable recipient at a minimum cost to the donor, thanks to tax savings.

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Health
If you've given consideration to what would happen if you became terminally ill or permanenly unconsicious, then you should consider looking into a Living Will and a Health Care Proxy.

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Life Insurance (Gifts of)
Whether direct or indirect, if you're looking for a way to benefit yourself with possible increased cash flow and tax savings and benefit a charitable organization, consider a gift of life insurance.

If you're looking for a good way to make a charitable donation to an organization you care greatly about, like our organization, but don't have large estate assets, look into using an insurance policy.

Ways to donate life insurance:

• Let it go.  An outright gift of a paid-up life insurance policy makes an excellent charitable gift.
• Start a new.  You can take out a new policy with us as owner and beneficiary.  Your continuing premium payments, gifted directly to the Pueblo Community College Foundation, are income tax deductible.
• Pay the premiums.  You can also donate a current policy and keep up the premiums.

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Living Trusts
If you would like to receive income from your assets during your lifetime and have asset management under control after your death, look into a plan that offers great flexibility, such as a Living Trust.

Do you worry about what will happen to your assets after your death? If you are looking to keep control of your property during your lifetime, have professional management of those assets and possibilities.

A Trust is basically an arrangement in which you transfer assets to a Trustee to hold and manage for one or more beneficiaries. By placing property into a Living Trust, you and another beneficiary, if you choose, can receive a stream of income during your lifetime.  When you die, your chosen beneficiaries, such as family members are charitable organizations. Living trusts are advantageous because they are:

• Revocable
• Private
• Continuous
• Financially efficient
• Professionally managed

If avoiding probate costs and delays, enjoying lifetime benefits, asset management and providing for your heirs sounds appealing to you, look into setting up a Living Trust.

If you're considering a joint Trust, something to look at is whether the state you reside in is a community or non-community property state, and work from that point forward.

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Memorial Gifts
Establishing a memorial is a two-fold gesture. First, you honor a loved one or yourself.  Second, your charitable gift serves as an endorsement of our good works.

You can also receive significant financial benefits from your contribution, including:

• Income and capital gains tax savings
• Reduced estate taxes
• Increased income

Many methods can be used to create memorials. Common methods include outright gifts and a gift made through a Will. But other alternatives, such as endowing an annual gift now or through your Will, are also effective.

Charitable institutions like ours honor memorial gifts in many ways. The honoree might be named in a report or program, or the name might be inscribed on a plaque. Grants, scholarships and prizes to deserving individuals or causes could be awarded in memory of the person. For a larger gift, the name might be placed on a room, auditorium or even a building. Many organizations recognize their donors through memberships in honor societies and annual luncheons or dinners. What better gift can there be than making a lasting tribute to a loved one? Look into making an honorary gift in memory of someone you know. Honor that person and receive financial benefits for yourself.

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Planned Giving (In General)
Have you made a Will and planned your estate? Look into some planned giving options that help you, your heirs and our organization.

Take the time to outline a philanthropic strategy that could lead to real fulfillment.

Become educated on the many plans that fall under the three main groups of gift planning.

If you worry about taxes, your estate and your heirs, estate planning strategies can soothe your soul.  Read about some basics on how to get started and how to take care of yourself and your loved ones.

Does receiving an income for the rest of your lifetime sound appealing? Look into making a planned gift and find out how you can benefit.

What are your reasons for giving to our organization and other worthy causes? Is it for financial reasons, personal reasons, or both? Look into the many ways you can give and benefits you can receive.

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Real Estate (Gifts of)
If you would like to avoid substantial capital gains tax on the sale of a property, find out about the many options for donating that property to a charitable organization. It may seem like a big move to make, but you will be amazed by all the benefits. It could be the best move you ever make!

Learn how you can use your home to create income, save taxes, reduce probate costs for your estate and serve a charitable purpose.

Consider one of the many ways you can use your real estate to help our organization meet its critical needs.

• Outright gift
• Retention of your home
• Charitable Remainder Trust
• Vacation home
• Farms

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Retained Life Estate
One of your valued possessions -- your home -- can become a valued gift to us even while you are still living in it and even if you want your spouse or other survivor to live there for life.  This arrangement is called a Retained Life Estate.

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Retirement Income Plans
Many people don't realize that well over half of their retirement assets will be forfeited to taxes if left to an individual heir.

If you have concerns about outliving your retirement money, there are different strategies that can help ease your fears:

• Diversify your investments
• Shelter tax-deferred funds as long as you can
• Boost income and unlock gains
• Calculate how a Charitable Remainder Unitrust or Annuity Trust can benefit you

If you would like to increase your retirement income and decrease your current income tax while helping the mission of our organization, consider one of the various types of unitrusts.

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Retirement Plan Assets (Gifts of)
Retirement plan assets can be the most heavily taxed of all your assets if left to heirs.  Following your death, these assets may, in fact, generate income and subject family members to both income and estate taxes. In some situations, there's an option that will let you better provide for your family while also meeting your charitable goals.

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Securities/Stock (Gifts of)
Stock -- whether or not publicly traded can also be used as a charitable gift and still allow you to maintain a controlling position.

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Stock/Appreciated Property (Gifts of)
Selling long-term appreciated assets results in gains that are subject to the capital gains tax. A tax-free solution isn't out of reach. A gift of appreciated property or a Charitable Remainder Trust can help reduce your capital gains tax while advancing the work of a charitable organization you care about, like ours.

A charitable gift of appreciated property allows you to support a charitable organization and avoid paying capital gains tax on the asset. See how this unique gift idea could be of benefit to us, and how it could make a difference for you.

Cash may not always be the best option for making a charitable gift to a charitable organization like ours. Even when cash is available for a gift, consider a gift of appreciated property first. A gift of appreciated property can offer maximum benefits to the charitable recipient at a minimum cost to the donor, thanks to tax savings.

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Taxes (In General)
What does the Economic Growth and Tax Relief Reconciliation Act of 2001 mean for you?  For most Americans it means paying less taxes and having greater incentives to save for the future, but many changes are phased in over several years. There are some provisions that benefit taxpayers right away:

1. Rate reductions
2. IRA contribution levels raised
3. Other retirement plan changes
4. Child tax credit
5. Education savings accounts (also called Education IRA's)
6. Section 529 education plans (also called Qualified State Tuition Programs)
7. Estate and gift tax reduction and repeal

Even though the Economic Growth and Tax Relief Reconciliation Act of 2001 introduced several changes to tax laws, in the end it might seem that nothing is really all that different.  Many of the changes, both large and small, do not affect most of us as yet. How much of a difference these changes will make for you later will largely depend upon your individual circumstances in the years to come.

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Trusts (In General)
Trusts are versatile estate planning tools, but for maximum benefit your trust should be drafted precisely to fit your wishes and goals.

Trusts can be an important part of your estate plan, offering ways to protect your family and your money, cut estate taxes and probate costs, and possibly support the work of our organization.

An important estate planning goal is to reduce estate taxes to the lawful minimum permitted by Congress, and trusts are key to accomplishing this.

Trusts offer a remarkably versatile way to broaden your estate plan, offering the potential for increased life income for yourself and loved ones, tax benefits and a means to support a favorite charitable organization.

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Unitrusts
There are not many solutions that meet multiple goals, but here's one that does:  a Charitable Remainder Unitrust. This plan can accomplish the dual goals of supplementing retirement income and making a significant gift to a charitable organization. It is a gift that allows you to feel good about making a difference and feel financially secure -- all at the same time.

Do you hope for better returns on your investments? Are you hoping for some additional retirement income? A Charitable Remainder Unitrust can boost your retirement income while providing an eventual gift to a charitable organization of your choice, like us. Setting up a Unitrust even results in an immediate tax deduction.

A deferred gift plan called a Unitrust can unlock the income power of your investments and provide tax benefits, as well as supporting the important work of our organization after your lifetime.

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Wealth Replacement Trusts
You can give to both your family and make a donation to us without placing a financial burden on yourself. Perhaps you would like to make a sizeable contribution to our organization now to help meet our current needs, but you don't want to reduce the estate you will pass to your family. The solution? Purchase life insurance.

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Wills
If you have put off making your Will or if you have an old Will that's out of date, it's time to make some changes. If you want to make sure your family is provided for, hope to minimize taxes on your estate.

When was the last time you reviewed your Will? Has your life changed in such a way that it might affect the plans you left directives for in your Will? Rest a bit easier by learning if you need to update your Will.

We hope that you are not part of the nearly 25 percent of Americans age 65 and above that have not yet created Wills. Failure to prepare can hurt yourself and your family, as well as organizations that are important to you.

Are you looking for a way to benefit loved ones and maybe a favorite charitable organization, like us, after your death? Take a look at all the possible ways to leave your legacy through your Will.

If you die without a will, the law may make undesirable arrangements that affect your loved ones, like your children. Do you want to choose a guardian for your children or create a Trust for their benefit? Look into making a Will and learning about the oportunities one provides.

What would happen if you died tomorrow? Would your heirs be taken care of? Where would your assets go? Look into how making a current will provides for all these things and more.

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