Gifts That Give You Income

You want secure, stable income at a high payout rate. Your gift can be in cash or stock. Learn more about a Charitable Gift Annuity.

How it works:

1. You transfer cash or security to the La Crosse Symphony Orchestra. Our minimum gift requirement is $10,000.
2. The LSO pays you, yourself and a spouse, or any two beneficiaries you name, fixed payment for life.
3. Beneficiaries are recommended to be at least 60 years of age at the time of the gift.
4. The remaining balance passes to the LSO when the contract ends.

Benefits:

1. Receive dependable, cash-flow for life, regardless of fluctuations in the market.
2. In many cases, receive payments at a rate higher than the interest you are currently receiving on investments.
3. Receive an immediate income tax deduction for a portion of your gift.
4. A portion of your annuity payment will be tax-free.

As a younger donor still in high-earnings years, you are still saving for retirement and also trying to lower your taxable income. Learn more about a Deferred Gift Annuity.

How it works:

1. You transfer cash or securities to the La Crosse Symphony Orchestra. Our minimum gift is $10,000.
2. Beginning on a specified date in the future, the LSO begins to pay you, or up to two annuitants you name, fixed annuity payments for life.
3. Beneficiaries are recommended to be at least 60 to begin receiving payments and must be at least 40 to fund the gift.
4. The remaining balance passes to the LSO when the contract ends.

Benefits:

1. Deferral of payments permits a higher annuity rate and generates a larger charitable deduction.
2. You can schedule your annuity payments to begin when you need extra cash flow, such as retirement years.
3. Payments are guaranteed and fixed, regardless of fluctuations in the market.
4. The longer you elect to defer payments, the higher the payment will be.

You want maximum flexibility with regards to the investment and benefits of your gift plan. Learn more about a Charitable Remainder Unitrust.

How it works:

1. You transfer cash, securities, or other appreciated property into a trust. The required minimum for this type of gift is $100,000.
2. The trust pays a percentage of the value of its principal, which is valued annually, to you or beneficiaries you name.
3. Then the trust terminates, the remainder passes to the La Crosse Symphony Orchestra to be used as you have directed.

Benefits:

1. Receive income for life or a term of years in return for your gift.
2. Receive an immediate income tax deduction for a portion of your contribution.
3. Pay no up front capital gains tax on appreciated assets you give.
4. You can make additional gifts to the trust as your circumstances allow for additional income and tax benefits.

You want the flexibility to invest and manage your gift plan, and also the security of stable income. Learn more about a Charitable Remainder Annuity Trust.

How it works:

1. Your transfer cash, securities, or other appreciated property into a trust. The required minimum for this type of gift is $100,000.
2. The trust makes fixed annual payments to you or to beneficiaries you name.
3. When the trust terminates, the remainder passes to the La Crosse Symphony Orchestra to be used as you have directed.

Benefits:

1. Receive income for life or a term of years in return for your gift.
2. receive an immediate income tax deduction for a portion of your contribution.
3. Pay no up front capital gains tax on appreciated assets you donate.
4. Use the trust to meet needs that are tied to a specific time frame, such as college tuition payments.