Helping Those We Serve
There are many ways to help RHF and the people we serve. Even our donation programs vary - to take into consideration the many types of items of value that can be gifted from our donors. As with any major gift, we advise you to consult your accountant or financial advisor to determine the best way for you to make your gift to RHF.
Gifts of Securities, Stocks and Bonds
Gifts of appreciated stocks or bonds have the same positive benefit to RHF as a gift of cash--however, a gift of securities is usually more beneficial to a donor, than a gift of cash.
A gift of marketable securities which has been held longer than one year entitles the donor to charitable deduction of the full fair market value (FMV) of the securities.
The FMV is determined by the average of the high and low sales prices of the stocks on the gift date. A donor may apply the gift as a deduction up to 30% of ones adjusted gross income (AGI) in the case of securities, with the same five-year carry-over provision--and avoid gift and estate taxation, as with gifts of cash.
In addition, a donor avoids paying any taxes on capital gains on the appreciation in the value of the securities. This can be a major benefit when securities are held over a number of years and if they have grown in value.