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Discover tax-efficient and flexible giving strategies that help you meet your charitable and financial goals.

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Gift Annuity

Charitable Gift Annuities & the Montana Tax Credit

A Smart Way to Give, a Lasting Way to Care

If you're looking to make a meaningful gift that also makes financial sense, planned giving through a Charitable Gift Annuity (CGA) is one of the smartest, tax-wise ways to leave a legacy.

With a minimum gift of $10,000 you can establish a CGA with St. Peter's Health Foundation, Your gift not only helps secure the future of local health care — it also offers you lifetime income, a federal tax deduction, and may qualify for the Montana Endowment Tax Credit, which provides up to 40% in state income tax savings.

It's a win-win: you receive valuable financial benefits today while creating a lasting impact that will benefit our community for generations to come. Whether you're passionate about ensuring access to quality care, establishing a scholarship for health care education, or supporting innovations in health and wellness, your legacy gift becomes a powerful investment in the future of Helena.

Become a member of the St. Peter's Health Legacy Society — we honor our donors who establish planned gifts to ensure the future of local health care in Helena. Members receive special invitations to tours, updates, events and more.

Booklet

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Calculate Benefits

The charitable gift annuity calculator generates a printable presentation that shows how you can benefit from fixed payouts that may be partly tax free plus a charitable tax deduction.

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Number of Beneficiaries

One Two

Click the appropriate button for a presentation of one or two beneficiaries. Selecting one beneficiary will cause the second beneficiary and the associated name and birthdate fields to be hidden from view.

First Beneficiary

Enter the name of the person. You may use such titles as "Mr.", "Mrs.", "Dr.", "Rev.", "Jr.", "Sr.", etc. For the remainder unitrust the first person is the first income recipient or beneficiary of the agreement.

First beneficiary is required

Birthdate

Month:

Day:

Year:

Please enter a valid birthdate for the first beneficiary

Birth month of the first beneficiary is required

Birth day of the first beneficiary is required

Birth year of the first beneficiary is required

You may enter the age of the person instead of the birth date. However, if the birth date is known, enter the birth date. Since ages are to be rounded up if the gift date is within six months of the next birth date, entering the birth date is the most accurate method.

Second Beneficiary

Second beneficiary is required

Birthdate

Month:

Day:

Year:

Please enter a valid birthdate for the second beneficiary

Birth month of the second beneficiary is required

Birth day of the second beneficiary is required

Birth year of the second beneficiary is required

Income Tax Rate

Select the current federal income tax rate of the donor. This will be used to project possible income tax savings. If you are uncertain about the correct rate, you may choose one of the middle rates. For many people, this will be close to their actual income tax rate.

Property Value $

Please enter a valid property value

Property value is required

Enter the amount of cash or the fair market value (FMV) of the asset(s) used to fund the CGA. For assets such as real estate, closely-held stock and other hard to value assets, the FMV is the appraised value of the property on the date of the gift.

Cost Basis $

Please enter a valid cost basis

Cost basis is required

Enter the cost basis of the asset being used to fund the trust or annuity. If the asset is cash, the cost basis is equal to the gift amount. If it is appreciated property, the cost basis will most likely be the amount you originally paid for the property. The cost basis is used to determine the capital gains tax which will be bypassed as a result of selling the asset. If the cost basis is not known or cannot be proven, the IRS assumes the cost basis to be $0. If cash funds the gift annuity, enter the same value as "Value of Property."

Payment Frequency

Select either monthly, quarterly, semiannual, or annual income payments to the beneficiary(ies) of the income. The choice of payment frequency does affect the amount of the charitable deduction as the more frequent the payment (i.e. monthly as opposed to annually), the smaller the donor's tax deduction.

Under the Internal Revenue Code, the charitable income tax deduction must be at least 10% of the initial value. The payout amount has been lowered to qualify under the IRS 10% deduction test. This calculation includes a safety factor of 0.04%. The deduction factor will be 0.10040 or greater. The Maximum Payout Rate by Crescendo 10% Deduction Test: cres_calc_maxrate10

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Make your gift go further

Gift Annuity

A Smart Way to Give, a Lasting Way to Care

Make your gift
go further