More Ways to Give: Strategic Giving Options
Cash gifts are powerful, but they’re not always the most tax-efficient way to support the mission of reaching men with the Gospel. When you give appreciated assets like stock, make qualified distributions from your IRA, or contribute through your donor-advised fund, you can often reduce your tax burden – allowing you to maximizing your impact for the Kingdom. These strategic giving options allow you to be a better steward of the resources God has entrusted to you while fueling the rescue and restoration of men’s hearts.
Gifts of Stock and Securities
Donating appreciated stock, bonds, or mutual funds directly to Reclaim can provide significant tax advantages while supporting our mission to reach men with the Gospel.
Benefits of Giving Stock:
Avoid Capital Gains Tax: When you donate appreciated securities held for more than one year, you avoid paying capital gains tax on the appreciation—savings that can be substantial.
Full Fair Market Value Deduction: You can claim a charitable deduction for the full fair market value of the securities on the date of the gift.
Double Tax Benefit: You receive a charitable deduction AND avoid capital gains tax, effectively increasing your giving power.
Real-World Examples:
Example 1 – Simple Stock Gift: John purchased stock for $5,000 that is now worth $15,000. If he sells the stock, he’ll pay capital gains tax on the $10,000 appreciation. Instead, John donates the stock directly to Reclaim. He avoids the capital gains tax AND receives a $15,000 charitable deduction—maximizing both his tax savings and his impact for the ministry.
Example 2 – Strategic “Give & Replace”: Sarah owns stock worth $10,000 that she purchased for $3,000, and she was planning to give $10,000 cash to Reclaim. Instead, she gives the appreciated stock to Reclaim and uses her planned $10,000 cash gift to repurchase the same stock. Result: Reclaim receives the same $10,000 impact, Sarah gets the same $10,000 charitable deduction, but now she owns the stock with a $10,000 basis instead of $3,000—eliminating $7,000 in future capital gains exposure. It’s a win-win strategy that costs her nothing extra but provides significant future tax savings.
Ready to give stock?
Download our Stock Gift Instructions PDF for step-by-step guidance on transferring your securities.
IRA Charitable Rollover (Qualified Charitable Distribution)
If you’re 70½ or older, you can make tax-free charitable gifts directly from your traditional IRA to Reclaim through a Qualified Charitable Distribution (QCD).
Gift Parameters & Requirements:
- Must be 70½ or older at the time of distribution
- Maximum of $108,000 per individual per year (as of 2025)
- Must be made directly from your IRA trustee to Reclaim
- Only applies to traditional IRAs and Roth IRAs (not 401(k)s, 403(b)s, etc.)
- Distribution must be otherwise taxable (excluding non-deductible contributions)
Key Advantages:
Tax-Free Distribution: The distribution is not included in your adjusted gross income, providing immediate tax savings.
Satisfies Required Minimum Distribution: If you’re subject to RMDs, your QCD counts toward satisfying your annual requirement.
Reduces Taxable Income: Lower AGI can help you avoid higher Medicare premiums and reduce the taxation of Social Security benefits.
No Itemization Required: You benefit even if you don’t itemize deductions.
How to Make Your IRA Gift:
- Contact your IRA custodian and request a Qualified Charitable Distribution
- Provide Reclaim’s information:
Organization: Reclaim Ministries, Inc.
Address: 25587 Conifer Road, Suite 105 – 311, Conifer, CO 80433
Federal Tax ID: 47-1215089
- Request the check be made payable to “Reclaim Ministries”
- Ensure the distribution goes directly to Reclaim—funds cannot pass through your hands
- Keep documentation of the distribution for your tax records
Donor-Advised Fund Gifts
Already have a donor-advised fund (DAF)? It’s one of the simplest ways to support Reclaim’s mission. Most DAF providers offer online platforms where you can recommend grants to qualified nonprofits like Reclaim with just a few clicks. You’ve already received the tax deduction when you funded your DAF, and now you can direct those dollars toward the battle for men’s hearts. Simply log into your DAF account, search for “Reclaim Ministries,” and recommend your grant amount. Please confirm our Tax ID when distributing a grant from your DAF! Federal Tax ID: 47-1215089
Estate Planning: Creating a Legacy of Freedom
Including Reclaim in your estate plan is a powerful way to extend your impact beyond your lifetime. Whether through a bequest in your will, naming Reclaim as a beneficiary of retirement accounts or life insurance, or establishing a charitable remainder trust, you can ensure that the mission to see all men fully alive continues for generations to come. Estate gifts can also provide significant tax benefits for your heirs while creating a lasting legacy that reflects your values and commitment to the Gospel.
Explore More Tax-Smart Giving Options
Every donor’s situation is unique, and there may be additional strategic giving opportunities that align with your financial goals and Kingdom priorities. Our strategic giving expert would love to have a conversation with you to explore options like:
- Charitable remainder trusts
- Charitable gift annuities
- Gifts of real estate or other appreciated property
- Life insurance beneficiary designations
- Legacy planning strategies
Ready to discuss your strategic giving options?
Contact: Patrick Furey, CLU, RICP, CLTC
Phone: 330-668-6176
Email: [email protected]
Federal Tax ID: 47-1215089
Please consult with your tax advisor or financial planner before making any charitable gifts to understand the specific tax implications for your situation.