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Regina Foundation

MISSION: To enhance the long-term financial strength of the Regina Catholic Education Center.

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MISSION: To enhance the long-term financial strength of the Regina Catholic Education Center
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Securities

Gifts of marketable stocks, bonds, or mutual fund shares may be the best way for you to make a gift to Regina. Stocks, which have appreciated in value, can be given outright, usually for a larger tax savings than an equivalent cash gift would bring. Stocks, which have lost value, can be sold by the owner, who claims the capital loss and takes the gift deduction. Your gift of appreciated securities makes it possible for you to give more to the school at no greater cost to you.

The Power of a Gift of Stock

If you have securities that have increased in value since their purchase, you might want to consider using these assets to fund your charitable gifts. Then use the cash that you would have used for your charitable gifts to replace the stock with a new cost basis. The table below is based on stock worth $10,000 today and at a $2,500 cost basis. If sold, the stock would generate a $7,500 capital gain.

  Option A
Give $10,000
in Cash
Option B
Sell Securities
& Give Cash
Option C
Give Securities
Outright
Gift Value $10,000 $10,000 $10,000
Ordinary income
tax savings
$3,960 $3,960 $3,960
Capital Gains and
MCT tax saved or
paid, assuming
20% tax rate
**
N/A $1,785
paid
$1,785
saved
Net tax
savings
$3,960 $2,175 $5,745

**Total of 20% capital gains tax and 3.8% Medicare contributions tax (MCT).  Additional state taxes may apply as well.

By giving securities, cash is preserved, current income tax savings generated, and the donor is relieved of capital gains and other tax that would have been due on a sale, all while making a significant charitable gift! Now the donor can use the cash to replace the stock with a cost basis equal to today’s value.

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Regina Foundation
2140 Rochester Ave, Iowa City, IA 52245
Phone: (319) 354 5866

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