CHARITABLE REMAINDER TRUSTS

This gift is for you if.../images/upload/9Ba.jpg

Unitrusts and Annuity Trusts

Click here to Picture a Unitrust! or
Click here to Picture an Annuity Trust!

If you are interested in maximum flexibility and effectiveness from your gift, consider the charitable remainder trusts (CRT's) of .

  • Our unitrust pays you and/or other beneficiaries income as a fixed percentage of the principal. The unitrust is revalued annually, and income in excess of the percentage payout is reinvested.
  • Our annuity trust pays you and your beneficiaries a fixed income.

CRT's may pay income to multiple beneficiaries, for life or a term or years. A unitrust may be structured to invest solely for growth for a term of years, an attractive way to help provide for future retirement or tuition needs while also making a substantial gift to . An annuity trust may hold tax-free securities and pass tax-free income through to the beneficiaries.

You, your financial institution, or may serve as the trustee of a CRT. We presently ask for a minimum gift of $ to establish a unitrust that we will trustee.

Example*

Comparison of Benefits: Unitrust and Annuity Trust

*This example is based on a factor that changes monthly. Contact our office for a personal illustration based on the latest rates.

Assumptions:

> Beneficiaries aged 72 and 70
> 28% income tax bracket
> Holding $100,000 in stock with $50,000 cost basis

.

Unitrust

Annuity Trust

Contribution

$100,000

$100,000

Income Rate

5%

5%

First Year's Income

$5,000

$5,000

Future Income

Variable

$5,000/year

Charitable Deduction*

$43,764

$43,367

*Based on a Federal Discount Rate of 5.0%.

To learn more about gifts of charitable remainder trusts, Email us, complete the Information Request form, or call us at so that we can assist you.

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