Year End Giving

Maximize Your Tax Benefits
Year-end is a great time for giving. When you make a donation by December 31 to The College of Saint Rose, you aren't just giving money. You’re perpetuating your own values and the College’s values—committed to supporting a campus culture that fosters integrity, interdependence and mutual respect.

By supporting The Saint Rose Fund today, you can help secure the College’s vision for the future—to take its place among the very best colleges in the nation.

Here are five tips to help you make the most of your year-end giving:

1. Talk to your advisor.
   Before making any significant gift to Saint Rose, or to any other nonprofit for that matter, you should have your CPA, attorney, or other advisor help you understand the impact of your gift on your income tax return and estate.
   
   
2. Do your giving early.
   This is especially true if you want to make a gift of non-cash assets (stock, real estate, etc.). It also applies to life-income gifts (gift annuities, trust arrangements, etc.).
   
   
3. Calculate your income.
   Take the time to do some planning while you still have the opportunity to make a year-end gift. Try to get a handle on your tax liability for the year. Did your unearned income increase? Did you sell any appreciated assets? Will you owe more taxes? This alone may motivate you to increase your giving before December 31.
   
   
4. Review your stocks.
   Look at the stocks you have held for more than a year. Which ones have appreciated the most? It may be prudent for you to make your year-end gift using one or more of these stocks. Here's why: If you sell the stock, you will incur capital gains tax on the appreciation. However, if you gift the stock you get a charitable deduction for the full amount of the stock, just as you would if your gift was made with cash. And if you can't use all of the income tax charitable deduction resulting from the gift, you can carry it forward for up to an additional five years. Such gifts are deductible up to 30 percent of your adjusted gross income.
   
   Click here for Instructions for Electronic Gift Transfers of Securities
   
   
5. Consider a life-income gift.
   Saint Rose offers a variety of life-income plans to fit your needs. You can make a gift now, obtain tax benefits, and receive income for the rest of your life. Sound too good to be true? A few minutes of your time will convince you otherwise. For additional information contact Susan Warshany Ziegler, director of gift planning, at 518-454-5104 or zieglers@strose.edu or visit our planned gifts page.

To make a pledge to The Saint Rose Fund or if you have any questions about planned gifts, gifts of securities or stocks, or matching gifts please call the Office of Institutional Advancement at 1-800-637-8556 extension 5.

How to Give
Personal checks, business checks, and money orders should be mailed to:

The Office of Institutional Advancement
The College of Saint Rose
432 Western Avenue
Albany, New York 12203

Credit card donations
can be made by
calling 518-454-5105.

Make a Pledge

Instructions for Electronic Gift Transfers of Securities

For further information contact the Advancement staff.