When you donate appreciated securities or mutual funds you have held more than one year to us in support of our mission, you can reduce or even eliminate federal capital gains taxes on the transfer. You may also be entitled to a federal income tax charitable deduction based on the fair market value of the securities at the time of the transfer.

A donor advised fund (DAF), which is like a charitable savings account, gives you the flexibility to recommend how much and how often money is granted to the Seeds of Learning and other qualified charities. You can recommend a grant or recurring grants now to make an immediate impact or use your fund as a tool for future charitable gifts.

A Special Opportunity for Those 70½ Years Old and Older

This popular gift option allows you to give any amount (up to a maximum of $100,000) per year from your IRA directly to a qualified charity without having to pay income taxes on the money. You can feel good knowing that you are making an instant impact for the children at Seeds of Learning.

Real property (also called real estate or realty) is land, its natural resources, and any permanent buildings on it.

Donors may make an outright gift of a policy by irrevocably transferring all incidents of ownership in a policy to Seeds.

This popular planned gift can provide you with secure lifetime payments and allow us to further our work on behalf of the children of Pagosa Springs. You qualify for a partial income tax charitable deduction, and a portion of your payments are tax-free throughout your life expectancy.

An annuity is a retirement financial tool. Unlike many retirement tools, though, annuities are contracts between you and an insurance company, rather than with banks or investment companies.

If you have built a sizable estate and are looking for ways to receive reliable payments, consider a charitable remainder trust (CRT). A (CRT) is an irrevocable trust that generates a potential income stream for you or your heirs with the remainder of the donated assets going to Seeds upon the beneficiary’s death.

These types of gifts offer you immediate tax benefits and the option for income. There are two ways to receive payments, and each has its own benefits:

A fixed amount pays you, each year, the same dollar amount you choose at the start. Your payments stay the same, regardless of fluctuations in trust investments.

A variable amount is based on a fixed percentage of the fair market value of the trust assets. The amount of your payments is redetermined annually. If the value of the trust increases, so do your payments. If the value decreases, however, so will your payments.

*These transactions take patience and time to set up. Please consult with your tax advisor and lawyer.

A charitable lead trust (CLT) works by donating payments out of the trust to Seeds, for a set amount of time. After that period expires, the balance of the trust is then paid out to you, your estate, or heirs. (It is the reverse of a CRT)

You and your heirs can benefit significantly by reducing gift or estate taxes that would normally apply.

There are two ways that charitable lead trusts make payments to Seeds:

A fixed amount each year to Seeds and is more attractive when interest rates are low.

A variable amount each year based on the value of the assets in the trust. If the trust’s assets go up in value, the payments to Seeds go up as well.

*These transactions take patience and time to set up. Please consult with your tax advisor and lawyer.