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Housing Opportunities offers a number of planned giving options for you to consider;


      Gifts of Cash are most popular for many people who make contributions to the Endowment Fund. Whether your gift is to meet your personal charitable wishes or in honor or in memory of a friend or loved one, cash gifts help the Endowment Fund grow and expand support of Housing Opportunities.

      Appreciated Securities are an attractive gift for people who have held stocks or bonds for a long period of time, especially when the appreciation is so great that the capital gains tax would take a significant portion of the proceeds upon liquidation. Gifts of appreciated securities enable you to make a larger contribution to Housing Opportunities at reduced cost to you, benefitting you, Housing Opportunities and ultimately the community.

      Gift Annuities are a simple way to make a charitable gift. Cash or appreciated securities are given to Housing Opportunities and the donor receives income for life. In addition to qualifying for an immediate tax deduction, a portion of the income received is tax free.

      Life Insurance Policies that you no longer need can make a significant gift while you receive a current income tax deduction for the cash value and any premiums you pay in the future. You may also use a new policy to create the Endowment Fund to endow your annual giving to Housing Opportunities upon death.

      Bequests are an easy way to provide support to Housing Opportunities. Specific bequests in your will or testamentary trust are exempt from estate tax.

      Charitable Remainder Trusts offer a triple advantage. You receive an immediate tax deduction for a charitable gift; the assets are removed from your estate avoiding future estate taxes; and you, or someone named by you, can receive a lifetime of income from your gift to Housing Opportunities.

      Charitable Lead Trusts can be established naming Housing Opportunities as beneficiary of a specified percentage of income from a trust for a specific number of years. Ultimately, the residual value of the trust reverts to other named beneficiaries, such as children or grandchildren.

      Retirement Plan Assets may be a particularly effective way to fund a charitable bequest. Depending on the size of your estate, income and estate taxes may consume a large portion of this asset. Naming Housing Opportunities or a Charitable Remainder Trust as the beneficiary for all or some of the assets remaining in your plan at your death can substantially reduce or eliminate your tax liability.

      Charitable IRA - Through 2013, retirement assets may become a preferred charitable gift for seniors. IRA distributions to charity can now receive new tax advantages. Americans age 70½ and up can make tax-free IRA contributions to Housing Opportunities.

To learn more about Planned Gifts, contact Caroline Shook at 219-548-2800 x 209 or This email address is being protected from spambots. You need JavaScript enabled to view it.  

For sample bequest language click here

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