How to Setup Planned Giving

Contact your legal or financial advisor(s) for assistance in developing planned gifts. Thank you for your interest in ensuring that SDCB will continue offering the highest level of service to those in need.

For more information please contact the San Diego Center for the Blind at 619.583.1542, email donate@sdcb.org or fill out and submit the online form for more information.  The San Diego Center for the Blind is a 501 (c) 3 organization.
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Joint and Survivor Annuities

Gift annuities can be arranged to make payments for the lifetimes of two people, such as a husband and wife, brothers and sisters, parents and children or close friends. The rates for two lives are less than rates for one life because the period of payment may be longer. (Again check with your tax advisor and or financial planner for current applicable rates).

Two-life gift annuities also provide charitable deductions and payments to the recipients that are partly tax-free.

For example, Mr. Edwards is 75 and his wife is 70. They transfer $20,000 to San Diego Center for the Blind for a gift annuity and receive $1,400 annually for life ($20,000 x 7.0% -- the annuity rate for their combined ages). The full guaranteed payments continue for the survivor's life.

If you wish, you may defer charitable gift annuity. You can make the gift now, and San Diego Center for the Blind will pay you (and another beneficiary, if you wish) life income starting at any date you specify. This is a great option if you are concerned about retirement income. Also, you receive the income tax deduction in the year you make the gift. The amount you receive each year depends on the amount transferred, your age now, and your age when the payments are to start.

For example, Miss Baker, age 50, transfers $10,000 to San Diego Center for the Blind for a deferred gift annuity with payments to start at age 65. Her rate of return will be 16.3 percent, and she will receive $1,630 per year for life ($10,000 x 16.3%).

Note that the charitable deduction is available to donors who 'itemize' deductions and in some cases may not be wholly deductible in one year. Excess deductions, however, can be carried over and deducted for up to five carryover years. Remember that the charitable gift annuity is an irrevocable gift commitment, but one with excellent tax and financial benefits.

The San Diego Center for the Blind makes no claims regarding the accuracy of the above information or the tax consequences stemming from your use of it. Please consult with your own tax, legal, or financial planning advisor.