Donaciones planificadas

One of the easiest ways to benefit Montefiore Einstein and reduce estate taxes is to include a bequest provision in your will or revocable trust. Such bequests allow you the most flexibility and security should your circumstances or plans change.

A beneficiary designation on your IRA, 401(k), or 403(b) is a tax-savvy way to support Montefiore Einstein. After age 59½, withdrawals avoid early-withdrawal penalties. If you or your spouse is 73 or older and must take minimum distributions, you can donate some or all directly to Montefiore Einstein without federal or state income tax liability.

If you have stocks, bonds, mutual funds, or treasuries, you can take advantage of extra tax benefits with a gift to a charitable organization. Donating long-term, appreciated securities directly to Montefiore Einstein—rather than selling the assets and donating the cash proceeds—is an effective way to give, and give more.

With a donor-advised fund, you can create a charitable giving account that allows you to contribute money or assets, receive an immediate tax deduction, and then distribute those funds to Montefiore Einstein as part of a deferred estate plan.

If the original purpose of your life insurance policy—such as caring for grown children or ensuring a spouse’s financial security—no longer applies, your whole-life or term policy can be transformed into a powerful, straightforward way to support Montefiore Einstein.

Life-income gifts, such as those from charitable remainder or annuity trusts, let you convert appreciated assets into lifetime income while supporting Montefiore Einstein’s mission. Donors who choose this option can receive fixed or variable payments and enjoy potential income and capital gains tax benefits. At the trust’s end, the remaining assets fund vital care, research, and programs that benefit our patients and community.