Planned Giving

Planned giving means arranging a donation now so the IPPF benefits from your kindness during your life — and after you have passed away. Planned gifts include bequests, life insurance policies, charitable gift annuities, charitable lead trusts, charitable remainder trusts, and other options.

A planned gift can help with tax and financial goals today — and after your death. You can make a larger gift to the IPPF that may not have been possible in your lifetime. In some cases, taxes may be owed on these funds unless they are left to a charity. To taxes, or to the IPPF?

There are tremendous income tax benefits available for you right now against current income for a future commitment to the IPPF.

For more information, contact the IPPF or speak with your financial planner today.

Through a will or living trust, you can leave assets to loved ones and include the IPPF. It’s not “all or nothing” and you can give in a way you are comfortable with. For example:

• a specific amount or percentage of your estate
• what remains after other bequests are made
• a conditional gift if your beneficiaries pre-decease you

Charitable Remainder Trusts and Charitable Lead Trusts can blend your estate planning needs and your charitable wishes.

Charitable Remainder Trust

This popular type of trust can be customized in many ways to provide income to you or others for life or for a specified term. When the trust ends, the remaining assets are gifted to charitable beneficiaries. A charitable remainder trust offers many benefits:

• An income tax deduction when the trust is created
• Capital gains tax benefits if funded with appreciated assets
• Flexibility because you select the rate, term, income recipients, and charitable beneficiaries
• Fixed or variable payments to income beneficiaries
• Federal estate tax savings and reduced estate settlement costs

Charitable Lead Trust

Donors who are not seeking additional current income but are concerned about preserving the value of an estate when passing assets to heirs might find benefits in a charitable lead trust.

A charitable lead trust is the reverse of the remainder trust. A lead trust pays income to charities. The remainder goes to individuals that you name. A lead trust may offer these benefits:

• Flexibility because you select the rate, term, income recipients, and charitable beneficiaries
• Fixed or variable payments to income beneficiaries
• Accelerated income tax deduction for future charitable gifts into the current year
• Family beneficiaries receive assets when the trust terminates free of gift or estate taxes on any growth that occurs within the trust.

Retirement Plans

Most retirement plans – such as an IRA, 401(k) or 403(b) – are tax deferred until funds are withdrawn. If passed on to loved ones, the tax burden can be significant. Consider leaving other assets to heirs and use tax-deferred accounts for charitable causes like the IPPF. The benefits of this are:

• You maintain control of accounts as long as you live.
• Beneficiary designations are easy to add and cost nothing to arrange.
• You can name one beneficiary, or several.
• You can change your mind at any time.
• Because the IPPF is tax-exempt, the entire remaining balance (not an after-tax portion) helps those affected by P/P.

Contact your bank or plan administrators for a beneficiary designation form. Sometimes these forms can be found online, or requested using the contact information on your monthly statement.

Life Insurance

Life insurance can be used for charitable giving in several ways:

• Designate the IPPF as a beneficiary of an existing life policy or insurance annuity. Although there is no immediate tax benefit, it is easy, involves no fees, and can be changed any time.
• Donate a paid-up whole-life policy. Name the IPPF as policy owner and beneficiary to receive a tax deduction equal to the cash surrender value or cost basis, whichever is less.

We understand  the passing of a loved one is a difficult time for any family. It is also a time to celebrate their life. Through Memorial Gifts, friends and family can support the IPPF in your loved one’s name. A donation to the IPPF is a thoughtful way to honor someone whose life has been impacted by pemphigus or pemphigoid.

The IPPF will create a customized page for your loved one. We will work with you to develop wording, include images, and ways to share it with friends and family. You will be notified of each gift made in their memory, and donors receive an automated email from you expressing your gratitude.