Generosity

Generosity – A Hallmark of Christ-followers

God loves a cheerful giver (2 Cor 9:7). When we realize that we do not own our resources, but are stewards of what has been entrusted to us by God, our hearts and minds learn to more loosely hold onto earthly things. We recognize how much we have been blessed, and we grow in our desire to be a blessing. This attitude exemplifies a heart of generosity.

Giving Funds, Annuities & Trusts, and Gifts of Securities

When you give to your church and other ministries you care about, you can easily make the most of tax incentives to direct as many resources as possible for the Lord’s work and your family. Donor-Advised Funds, Charitable Gift Annuities, and Gifts of Securities can help you do immeasurably more with your God-given resources.

Gift Planning

Make any kind of non-cash gift—stock, mutual fund, real estate, life insurance, cryptocurrency, or more—at no cost, with assistance from Orchard Alliance. Learn more about Gift and Estate Design Services.

Estate Design

Whether you have a simple circumstance or a complex situation, you can get started on a comprehensive, biblically based estate plan in just a few simple steps. In partnership with Orchard Alliance’s team of experienced estate and gift design consultants, you can design your will or trust from a Christian perspective.

Charitable Gift Annuities

A Charitable Gift Annuity (CGA) is a great way to make a gift to the ministries you care about while creating a steady income stream for life. CGAs are easy to set up and offer attractive rates, making them popular tools for people age 65 and older.

Simply make a gift of $10,000 or more in cash or securities in exchange for a non-revocable gift annuity agreement. Your payment rate will be based on your age(s) at the time you make the gift. You will receive a tax deduction for your gift, and part of your payments may be tax-free. At your death, the amount remaining in your CGA will be given to the organization(s) you chose. Click here to see what your rate would be using our online calculator.

Orchard Alliance and The Christian and Missionary Alliance follow the suggested maximum gift annuity rates published by the American Council on Gift Annuities. These rates are subject to change; however, once your gift annuity is created, the rate is locked in for the remainder of your lifetime(s). Click here to view the current rates.

• CGA rates are based on your age at the time your gift annuity is funded
• Create an income stream for one or two lifetimes
• Receive an immediate partial tax deduction and potentially tax-free income for years
• Defer or avoid capital gains tax for gifts of appreciated securities
• Bless your favorite ministry(ies) with a gift of the residuum at your death

Options

• Single-Life: Pays a fixed amount for the lifetime of one person
• Two-Life: Pays a fixed amount for the lifetime of two people
• Immediate: For current income, you may begin receiving a fixed income as early as the year in which you make your gift
• Deferred: If you desire to begin receiving income at a fixed date in the future, you may establish the gift annuity and take your charitable deduction now; then plan to receive payments beginning at a designated future date. You must be over the age of 55 to establish a Deferred CGA. Payments must be deferred until after you reach a minimum age of 65.

Get Started

1. Read the appropriate disclosure statement for your home state:

• • Disclosure Statement – CA, NY, NJ
  • Disclosure Statement – All Other States (except Hawaii)

2. Complete the Charitable Gift Annuity Application online, fax it to 719.323.6218, or mail it to Orchard Alliance at 8595 Explorer Dr., Suite 200, Colorado Springs, CO 80920. Due to privacy and security concerns, please do not email your application.
3. Mail a check to us for your initial contribution or call 833.672.4255 for instructions to transfer securities.

For more information about our CGA program, please complete the form below or call at 833.672.4255.

CGAs are issued by Orchard Alliance or as agent for The Christian and Missionary Alliance (The C&MA). The C&MA issues annuities in the states of NY, NJ, and CA; Orchard Alliance issues annuities in all other states except Hawaii. Orchard Alliance or The C&MA, respectively, is responsible for and liable for the CGAs that are issued in their individual names.

Donor Advised Funds

One of America’s most popular investment tools for charitable giving, a donor advised fund (DAF), is like your own private foundation but without any of the administrative red tape. A donor advised fund is easy to establish, inexpensive, flexible, and simple to manage with our online DAF platform.

• Recommend grants to your favorite charities
• Choose from a variety of investment options
• Receive an immediate tax deduction
• Give when you want to give
• Avoid capital gains on appreciated assets, increasing your giving potential
• Sound fiscal management

Getting Started

1. Read the Donor Advised Fund Guidelines to understand your advisory role on this account as well as requirements and restrictions from the IRS and Orchard Alliance.

• • Donor Advised Fund Guidelines

2. Complete the Donor Advised Fund Application and mail or fax it to Orchard Alliance. Due to privacy and security concerns, please do not email your application.
3. Mail a check for your initial contribution to the address below or call 833.672.4255 for instructions to transfer securities.

Fax: 719-323-6218
Mail: Orchard Alliance, 8595 Explorer Dr., Suite 200, Colorado Springs, CO 80920

For more information, or to get started, complete the form below or call 833.672.4255.

Giving From Your IRA

If you are 70½ years of age or older, you can make charitable gifts directly from your Individual Retirement Account (IRA) in any amount up to $100,000 per person, per year.

• Gifts must be made from a traditional or Roth IRA. Funds from a 403(b), 401(k), or other retirement plans do not qualify, although it may be possible to roll funds from other retirement accounts into an IRA and then make an IRA gift.
• In order to give from your IRA, the funds must be in your account by December 31 of the previous year.
• Traditional IRA gifts are not deducted on your federal tax return. Instead, you avoid paying federal income tax on the required distribution because it is not included as part of your income—a great tax advantage if you do not itemize deductions on your tax return.
• If you leave the remaining balance of your IRA to a ministry after you pass away, the funds will not be taxed. Otherwise, your estate or those you leave it to will have to pay taxes on the remaining funds.

Get Started

• Check with your tax advisor to make sure an IRA gift is a good plan of stewardship that aligns with your charitable goals. You can also speak with one of our experienced gift and estate design consultants to review your stewardship plan at no cost or obligation.
• When you are ready to give, contact your IRA administrator and be sure your IRA administrator places your name on the check memo line.
• Orchard Alliance does not process IRA gifts. This educational information is provided to assist you in giving to your church and other ministries you care about. Please contact them in advance of making your gift, for further assistance.

For questions about giving from your IRA gift, please call 833.672.4255 or complete the form below.

Gifts of Securities

By donating your appreciated stocks, bonds, mutual funds, or other securities to a church or ministry through Orchard Alliance, you can avoid the capital gains taxes that would be required if you sold the security and donated the proceeds. In addition, your gift of securities qualifies for a charitable tax deduction.

Our staff at Orchard Alliance has the specialized training necessary to ensure that your gift is transferred efficiently and in compliance with IRS guidelines, making a complicated process simple.

• Avoid capital gains taxes and receive a tax deduction for the market value of your gift, giving you a dual tax advantage
• Eliminate the administrative burden from your chosen church or ministry
• Competitive processing rates
• Provide immediate, not deferred, funding to your church or favorite ministry
• Fund other giving tools as well, such as donor-advised funds or charitable gift annuities
• Enjoy peace of mind knowing that your transaction is handled properly and efficiently

Click the button to download the securities gift form.

For questions about making a gift of securities, please call 833.672.4255 or complete the form below.

Gifts of Real Estate

By giving appreciated real estate directly to ministry, you get a charitable deduction, avoid capital gains tax, and can even receive an income stream for life. It’s also possible to give just a portion of your property.

For questions about making a gift of appreciated real estate, please call 833.672.4255 or complete the form below.

Endowment Funds

When you are looking to impact your favorite ministry for the long term, an endowment fund with Orchard Alliance will enable you to provide for ministry needs today and in the future.

Do immeasurably more with sound and effective management of your endowment funds from Orchard Alliance.

• Get guidance for creating effective spending policies from experts with more than 50 years of asset management experience
• Choose from competitive fixed-income rates and diverse investment options ranging from conservative to aggressive portfolios
• Align your investment objectives with biblical values and competitive market returns
• Trust your donation processing for ongoing contributions and day-to-day asset management to a dedicated team that allows you to focus on and advance your mission
• Maintain continuity in your asset management—so even if your ministry’s leadership changes, your endowment management does not
• Develop investment objectives and strategies in partnership with like-minded believers who are part of the Alliance family

For more information, or to get started, complete the form below or call 833.672.4255.

Legacy Advised Funds

A Legacy Advised Fund is a charitable instrument funded at your death. It simplifies distribution of assets from your estate to a variety of ministry organizations.

Legacy Advised Funds can be funded using your:

• Retirement Accounts
• Insurance Policies
• Last Will and Testament
• Charitable Remainder Trust
• Revocable Living Trust
• Annuities

Get Started

• Call or email us to schedule an initial consultation with one of our gift and estate design consultants to be sure a legacy advised fund is a good plan of stewardship for your particular situation.
• Download a Legacy Advised Fund Application and Agreement
• Complete and sign the application
• Attach copies or original documentation for the assets you will include in the Legacy Advised Fund
• Forward your original signed agreement and attachments to Orchard Alliance or to your relationship manager

For more information, or to get started, complete the form below or call 833.672.4255.

Gifts of Cryptocurrency

Do you own Cryptocurrencies that have increased significantly in value?

By donating your appreciated cryptocurrency to a church or ministry through Orchard Alliance, you can avoid the capital gains taxes that would be required if you sold the currency and donated the proceeds. In addition, your gift qualifies for a charitable tax deduction.

Our staff at Orchard Alliance has the specialized training necessary to ensure that your gift is transferred efficiently and in compliance with IRS guidelines, making a complicated process simple.

• Avoid capital gains taxes, and receive a tax deduction for the market value of your gift, giving you a dual tax advantage
• Eliminate the administrative burden from your chosen church or ministry
• Provide immediate, undeferred, funding to your favorite ministry
• Fund other giving tools as well, such as donor advised funds or charitable gift annuities
• Enjoy peace of mind, knowing that your transaction is handled properly and efficiently
• Orchard Alliance guides donors through the required appraisal and transfer process for Cryptocurrency gifts

Click the appropriate button to use the online form or download the form.

For questions about making a cryptocurrency gift, please call 833.672.4255 or complete the form below.

This gift calculator is designed to show you illustrations of what a gift to fund a Charitable Gift Annuity or Charitable Trust might look like for you. These calculations are estimates of gift benefits; your actual benefits may vary.

CGAs are issued by Orchard Alliance or as agent for The Christian and Missionary Alliance (The C&MA). The C&MA only issues annuities in the states of NY, NJ, and CA; Orchard Alliance issues annuities in all other states except Hawaii. Orchard Alliance or The C&MA, respectively, is responsible for and liable for the CGAs that are issued in their individual names. Orchard Alliance and The Christian and Missionary Alliance follow the suggested maximum gift annuity rates published by the American Council on Gift Annuities.