Donate
MarketSmart, LLC Logo

Gifts That Pay You Income

An individual may transfer up to a total of 105,000 per year and a married couple may give up to 210,000. An individual may transfer up to a total of 105,000 per year and a married couple may give up to 210,000. An individual may transfer up to a total of 105,000 per year and a married couple may give up to 210,000. An individual may transfer up to a total of 105,000 per year and a married couple may give up to 210,000. An individual may transfer up to a total of 105,000 per year and a married couple may give up to 210,000.

You can support the creation of rich content and experiences that cultivate understanding and a joy of learning while earning an income from your gift.

Charitable Gift Annuities

Charitable gift annuities (CGAs) offer a secure, fixed payment stream for yourself and/or a loved one for your lifetime(s). You will also receive tax benefits and the satisfaction of creating a lasting legacy through GBH.

How it works:

  • You donate cash or appreciated securities worth $10,000 minimum or more to GBH. In return, you and/or another beneficiary will receive fixed payments for life.
  • Your payment rate is based on your age (payments start at age 60 for deferred; 65 for immediate payment or later) and will never change.
  • A portion of your payments will be tax-free.
  • The older you are — or the longer you defer starting your payment — the higher your payments will be.

Benefits to you include:

Lifetime payments that will never change.

Capital gains tax savings when you fund your CGA using appreciated stock.

You are eligible for an immediate charitable income tax deduction.

Your gift passes to GBH outside of the estate process.

You create your legacy of enriching programs and services for generations to come.

Feel free to call or email us with any questions you have, or fill out the form on this page.

Single Life Suggested Maximum Gift Annuity Rates
Age Rate   Age Rate
5-11 3.8   69 6.2
12-24 3.9   70 6.3
25-31 4.0   71 6.4
32-37 4.1   72 6.6
38-41 4.2   73 6.7
42-44 4.3   74 6.8
45-47 4.4   75 7.0
48-49 4.5   76 7.2
50-52 4.6   77 7.4
53 4.7   78 7.6
54-55 4.8   79 7.8
56-57 4.9   80 8.1
58 5.0   81 8.3
59 5.1   82 8.5
60 5.2   83 8.7
61 5.3   84 8.9
62-63 5.4   85 9.1
64 5.6   86 9.3
65 5.7   87 9.5
66 5.8   88 9.7
67 5.9   89 9.9
68 6.1   90+ 10.1
Two Lives - Joint and Survivor Suggested Maximum Gift Annuity Rates
Younger Age Older Age Rate   Younger Age Older Age Rate
5 5 – 95+ 3.6    72 73 5.8 
6 6 – 95+ 3.6    72 74 – 75 5.9 
7 7 – 95+ 3.6    72 76 6.0 
8 8 – 95+ 3.6    72 77 – 78 6.1 
9 9 – 95+ 3.6    72 79 – 80 6.2 
10 10 – 95+ 3.6    72 81 – 83 6.3 
11 11 – 95+ 3.6    72 84 – 95+ 6.4 
12 12 – 95+ 3.7    73 73 5.9 
13 13 – 95+ 3.7    73 74 – 75 6.0 
14 14 – 95+ 3.7    73 76 6.1 
15 15 – 95+ 3.7    73 77 – 78 6.2 
16 16 – 95+ 3.7    73 79 – 80 6.3 
17 17 – 95+ 3.7    73 81 – 83 6.4 
18 18 – 95+ 3.7    73 84 – 95+ 6.5 
19 19 – 95+ 3.7    74 74 6.0 
20 20 – 95+ 3.7    74 75 6.1 
21 21 – 95+ 3.7    74 76 6.2 
22 22 – 95+ 3.7    74 77 – 78 6.3 
23 23 – 95+ 3.7    74 79 – 80 6.4 
24 24 – 95+ 3.7    74 81 – 83 6.5 
25 25 – 95+ 3.8    74 84 – 95+ 6.6 
26 26 – 95+ 3.8    75 75 6.2 
27 27 – 95+ 3.8    75 76 – 77 6.3 
28 28 – 95+ 3.8    75 78 – 79 6.4 
29 29 – 95+ 3.8    75 80 – 81 6.5 
30 30 – 95+ 3.8    75 82 – 83 6.6 
31 31 – 95+ 3.8    75 84 – 86 6.7 
32 32 – 95+ 3.9    75 87 – 95+ 6.8 
33 33 – 95+ 3.9    76 76 – 77 6.4 
34 34 – 95+ 3.9    76 78 – 79 6.5 
35 35 – 95+ 3.9    76 80 – 81 6.6 
36 36 – 95+ 3.9    76 82 – 83 6.7 
37 37 – 95+ 3.9    76 84 – 85 6.8 
38 38 – 95+ 4.0    76 86 – 88 6.9 
39 39 – 95+ 4.0    76 89 – 95+ 7.0 
40 40 – 95+ 4.0    77 77 – 78 6.5 
41 41 – 95+ 4.0    77 79 6.6 
42 42 – 95+ 4.1    77 80 – 81 6.7 
43 43 – 95+ 4.1    77 82 – 83 6.8 
44 44 – 95+ 4.1    77 84 – 85 6.9 
45 45 – 46 4.1    77 86 – 87 7.0 
45 47 – 95+ 4.2    77 88 – 90 7.1 
46 46 – 95+ 4.2    77 91 – 95+ 7.2 
47 47 – 95+ 4.2    78 78 6.6 
48 48 – 51 4.2    78 79 6.7 
48 52 – 95+ 4.3    78 80 – 81 6.8 
49 49 – 50 4.2    78 82 6.9 
49 51 – 95+ 4.3    78 83 – 84 7.0 
50 50 – 56 4.3    78 85 – 86 7.1 
50 57 – 95+ 4.4    78 87 – 88 7.2 
51 51 – 54 4.3    78 89 – 91 7.3 
51 55 – 95+ 4.4    78 92 – 95+ 7.4 
52 52 – 53 4.3    79 79 6.8 
52 54 – 95+ 4.4    79 80 – 81 6.9 
53 53 – 58 4.4    79 82 7.0 
53 59 – 95+ 4.5    79 83 – 84 7.1 
54 54 – 56 4.4    79 85 7.2 
54 57 – 63 4.5    79 86 – 87 7.3 
54 64 – 95+ 4.6    79 88 – 89 7.4 
55 55 4.4    79 90 – 92 7.5 
55 56 – 60 4.5    79 93 – 95+ 7.6 
55 61 – 95+ 4.6    80 80 6.9 
56 56 – 59 4.5    80 81 7.0 
56 60 – 64 4.6    80 82 7.1 
56 65 – 95+ 4.7    80 83 7.2 
57 57 – 58 4.5    80 84 – 85 7.3 
57 59 – 62 4.6    80 86 7.4 
57 63 – 95+ 4.7    80 87 – 88 7.5 
58 58 – 61 4.6    80 89 7.6 
58 62 – 66 4.7    80 90 – 92 7.7 
58 67 – 95+ 4.8    80 93 – 95+ 7.8 
59 59 4.6    81 81 7.1 
59 60 – 64 4.7    81 82 7.2 
59 65 – 68 4.8    81 83 7.3 
59 69 – 95+ 4.9    81 84 7.4 
60 60 – 62 4.7    81 85 7.5 
60 63- 66 4.8    81 86 – 87 7.6 
60 67 – 71 4.9    81 88 7.7 
60 72 – 95+ 5.0    81 89 – 90 7.8 
61 61 4.7    81 91 7.9 
61 62 – 64 4.8    81 92 – 94 8.0 
61 65 – 68 4.9    81 95+ 8.1 
61 69 – 73 5.0    82 82 7.3 
61 74 – 95+ 5.1    82 83 7.4 
62 62 – 63 4.8    82 84 7.5 
62 64 – 66 4.9    82 85 7.6 
62 67 – 70 5.0    82 86 7.7 
62 71 – 75 5.1    82 87 7.8 
62 76 – 95+ 5.2    82 88 7.9 
63 63 – 65 4.9    82 89 – 90 8.0 
63 66 – 68 5.0    82 91 8.1 
63 69 – 72 5.1    82 92 – 93 8.2 
63 73 – 95+ 5.2    82 94 – 95+ 8.3 
64 64 4.9    83 83 7.5 
64 65 – 67 5.0    83 84 7.7 
64 68 – 70 5.1    83 85 7.8 
64 71 – 73 5.2    83 86 7.9 
64 74 – 78 5.3    83 87 8.0 
64 79 – 95+ 5.4    83 88 8.1 
65 65 5.0    83 89 8.2 
65 66 – 68 5.1    83 90 – 91 8.3 
65 69 – 71 5.2    83 92 8.4 
65 72 – 74 5.3    83 93 – 95+ 8.5 
65 75 – 78 5.4    84 84 7.8 
65 79 – 95+ 5.5    84 85 7.9 
66 66 – 67 5.1    84 86 8.0 
66 68 – 69 5.2    84 87 8.2 
66 70 – 72 5.3    84 88 8.3 
66 73 – 75 5.4    84 89 8.4 
66 76 – 79 5.5    84 90 8.5 
66 80 – 95+ 5.6    84 91 – 92 8.6 
67 67 – 68 5.2    84 93 – 95+ 8.7 
67 69 – 70 5.3    85 85 8.1 
67 71 – 73 5.4    85 86 8.2 
67 74 – 75 5.5    85 87 8.3 
67 76 – 79 5.6    85 88 8.5 
67 80 – 95+ 5.7    85 89 8.6 
68 68 – 69 5.3    85 90 8.7 
68 70 – 71 5.4    85 91 8.8 
68 72 – 73 5.5    85 92 – 95+ 8.9 
68 74 – 76 5.6    86 86 8.3 
68 77 – 79 5.7    86 87 8.5 
68 80 – 82 5.8    86 88 8.6 
68 83 – 95+ 5.9    86 89 8.8 
69 69 – 70 5.4    86 90 8.9 
69 71 – 72 5.5    86 91 9.0 
69 73 – 74 5.6    86 92 – 95+ 9.1 
69 75 – 76 5.7    87 87 8.7 
69 77 – 79 5.8    87 88 8.8 
69 80 – 82 5.9    87 89 9.0 
69 83 – 95+ 6.0    87 90 9.1 
70 70 5.5    87 91 – 95+ 9.3 
70 71 – 72 5.6    88 88 9.0 
70 73 – 74 5.7    88 89 9.2 
70 75 – 76 5.8    88 90 9.4 
70 77 – 78 5.9    88 91 – 95+ 9.5 
70 79 – 81 6.0    89 89 9.4 
70 82 – 95+ 6.1    89 90 9.6 
71 71 5.6    89 91 – 95+ 9.7 
71 72 – 73 5.7    90 90 9.8 
71 74 5.8    90 91 – 95+ 9.9 
71 75 – 76 5.9    91 91 – 95+ 9.9 
71 77 – 78 6.0    92 92 – 95+ 9.9 
71 79 – 80 6.1    93 93 – 95+ 9.9 
71 81 – 95+ 6.2    94 94 – 95+ 9.9 
72 72 5.7    95+ 95+ 9.9 

Charitable Remainder Trusts

A Charitable Remainder Trust (CRT) is a tax-free trust that pays you and/or other beneficiaries an annual distribution. This payment is either a percentage of the annual value of the trust, or a percentage of the original gift amount.

How it works:

  • You transfer cash or an appreciated asset* into an irrevocable trust.
  • The trustee then sells the asset, paying no capital gains tax, and reinvests the proceeds.
  • For the rest of your life (or a term of years), you and/or another beneficiary receive payments from the trust.
  • After your lifetime, the remaining principal is used to support the mission of GBH.
* While donating real estate is the most common way to fund a charitable trust, a wide variety of assets can be used, including cash, appreciated publicly traded or closely held stock, as well as oil, gas or mineral interests.

Benefits to you include:

You receive income for life for you or your heirs.

You receive a charitable income tax credit for the charitable portion of the trust.

You create your legacy of enriching people’s lives through media.

Our Team is Here to Help

Our experienced team is here to help you…

  • Learn about special projects that align with your interests.
  • Structure a donation that maximizes benefits for you and your loved ones.
  • Stay up to date on how your gift is used.
  • And more!
Request a Meeting
Julie Hallowell

Julie Hallowell
Director of Gift Planning and Endowment

Christine Russo headshot

Christine Russo
Planned Giving Specialist

Complimentary Gift Planning Resources are Just a Click Away!

Get Free Resources
Collage of GBH resource covers
© 2024 MarketSmart. All rights reserved.