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Outright gifts of cash are the most common type of gift received by Messiah Lifeways. Cash gifts are typically made from the giver’s discretionary income. All gifts to Messiah Lifeways, Messiah Lifeways at Messiah Village, Messiah Lifeways Community Support Services, and Messiah Lifeways at Mount Joy Country Homes are tax-deductible to the extent allowed by law.
Your gift of appreciated securities, closely held bonds, or mutual fund shares qualifies you for charitable tax deductions and allows you to avoid the long-term capital gains tax on the appreciated value of the asset.
Stocks or bonds held for more than one year and that have increased in value qualify for a deduction equal to the full market value of the gift.
If you own stocks or bonds that are now worth less than the price you paid for them, the wisest course is to sell them and give the cash proceeds. The sale will establish a loss that can offset other capital gains income.
Gifts of securities are deductible up to 30% of your adjusted gross income, with a five-year carry over of any unused deduction. This makes your gift twice as beneficial. First, you receive an income tax charitable contribution deduction for the full fair market value of the securities and second, you avoid capital gains tax on the securities’ increased value.
To give a gift of appreciated securities, please contact Rachel Pease to obtain transfer instructions.
If you are 70 ½ or older and have a Required Minimum Distribution that you must take from your IRA each year, you may wish to make a tax-free transfer to Messiah Lifeways in order to lower your tax burden. These tax-free transfers are called Qualified Charitable Distributions, and they count toward your Required Minimum Distribution. You may transfer up to $100,000 per year to qualified charities such as Messiah Lifeways.
To qualify, the funds must be transferred directly by the IRA custodian to Messiah Lifeways at Messiah Village. Distributed amounts may be excluded from your income – resulting in lower taxable income (however, no charitable deduction may be taken).
Bequest in Will with Sample Language
Including a bequest in your will for Messiah Lifeways is a wonderful way to leave a legacy and help provide for the future needs of our ministry – all without any current impact to your financial situation. Donors may choose to designate a specific dollar amount to Messiah or specify that Messiah receives a percentage of the estate.
All assets, including cash, securities, real estate, and tangible personal property, may be transferred to Messiah at the end of your life.
Including the following statement is all it takes to include Messiah Lifeways in your will.
I, [name], of [city, state, ZIP] give, devise and bequeath to Messiah Lifeways, situated in Mechanicsburg, Pennsylvania [specified amount, description of property, or percentage of the estate]. I request that my gift be used for [please specify desired designation along with the corresponding entity and Tax ID# as seen below].
|If Your Designation is…||Then the Corresponding Entity is…||Tax ID #|
|Endowment Fund for Benevolent Care||Messiah Lifeways at Messiah Village||23-1458000|
|Current Use - Benevolent Care||Messiah Lifeways at Messiah Village||23-1458000|
|Undesignated for Messiah Village||Messiah Lifeways at Messiah Village||23-1458000|
|Pathways Institute for Lifelong Learning||Messiah Lifeways at Messiah Village||23-1458000|
|Undesignated for Messiah Lifeways||Messiah Lifeways||35-2443724|
|Adult Day Program||Messiah Lifeways Community Support Services||32-0375859|
|Mechanicsburg Place||Messiah Lifeways Community Support Services||32-0375859|
|Undesignated for Community Support Services||Messiah Lifeways Community Support Services|
|Good Samaritan Fund at Mount Joy Country Homes||Messiah Lifeways at Mount Joy Country Homes||23-1484171|
|Undesignated at Mount Joy Country Homes||Messiah Lifeways at Mount Joy Country Homes||23-1484171|
Please contact Rachel Pease to inform us of your intentions so we can recognize you appropriately.
Life Income Gifts
Many donors find that by utilizing a life income gift vehicle, they are able to make a substantial gift to Messiah Lifeways while also retaining income security. Life income gifts include charitable gift annuities, charitable unitrusts, and annuity trusts. The principal of the gift is invested, and income is paid to the donor or beneficiary for life or for a specified period.
A charitable gift annuity provides fixed payments to you for life in exchange for your gift of cash or securities. Messiah Lifeways partners with Everence to offer charitable gift annuity options.
A charitable gift annuity could be right for you if:
To learn more about Charitable Gift Annuities or other life income gift options, please contact Rachel Pease for a personalized conversation.
An easy step to take to provide for Messiah Lifeways is to name us as the beneficiary of your retirement plan or your life insurance policy. This is easily achieved by filling out a simple form obtained from your plan administrator. There is no need to change your will or living trust to make this provision.
A gift of retirement assets also comes with these added benefits:
Life Insurance policies can also be used to make a gift to Messiah Lifeways; simply request and fill out the beneficiary form from your insurance company naming us as a primary or secondary beneficiary. As an alternative to naming Messiah as the beneficiary, you can also transfer ownership of the policy. Transferring ownership results in an immediate income tax charitable deduction and potential income tax savings in the year of the gift.
Volunteerism at Messiah Lifeways is a vital part of Messiah Lifeways’ mission and vision. More than 400 volunteers give of their time and talents to further Messiah Lifeways’ mission of responsibly enhancing the lives of older adults with Christ-like love. Many people are surprised to learn that hundreds of volunteers come from the surrounding community. Volunteers help to bring our dream of re-imagining the journey of aging as a time of purpose, zest, and faith-filled living to fruition. By matching the talents and passions of residents and community volunteers with the needs of our community, we see volunteers make a positive, lasting difference every single day.