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MSU Home :: Gifts That Protect Your Assets

Gifts That Protect Your Assets

Increased income may not be your primary objective. Instead, you may be wondering how you will deal with some highly appreciated property or a growing family business as your needs and lifestyle change. Will taxes consume much of the value that you have worked so hard to grow? Will anything be left for you and your family?

We have several plans that help you keep control of your assets, or transfer them, at less cost to you and to make a gift at the same time.

Popular Giving Arrangements

Charitable Bargain Sale

You sell your residence or other property to Morehead State University for a price below the appraised market value -- a transaction that is part charitable gift and part sale. MSU may use the property, but usually elects to sell it and use the proceeds of the sale for the gift purposes you specified.

You receive an immediate income tax deduction for the discount you took from the appraised market value of your property. You pay no capital gains tax on the donated portion of the property. You can receive payment from us in a lump sum, or in fixed installments. 

Retained Life Estate

You transfer the title to your residence, farm, or vacation home to Morehead State University and live there for the rest of your life. As you continue to live in the property for life or a specified term of years, and continue to be responsible for all taxes and upkeep. The property passes to MSU when your life estate ends.

You can give us a significant asset but retain the security of using it for the rest of your life. You receive an immediate income tax deduction for a portion of the appraised value of your property. You can terminate your life estate at any time and may receive an additional income tax deduction. 

Charitable Lead Trust

You contribute securities or other appreciating assets to a charitable lead trust. The trust makes annual payments to Morehead State University for a period of time. When the trust terminates, the remaining principal is paid to your heirs.

Income payments to us for a term reduce the ultimate tax cost of transferring an asset to your heirs. The amount and term of the payments to MSU can be set so as to reduce or even eliminate transfer taxes due when the principal reverts to your heirs. All appreciation that takes place in the trust goes tax-free to the individuals named in your trust.

Contact us if you have any questions on gifts that protect your assets.
 

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