Planned Giving at Reformed Theological Seminary

Charitable Remainder Trusts

Unitrusts and Annuity Trusts

Click here to PICTURE A UNITRUST! or
Click here to PICTURE AN ANNUITY TRUST!

If you are interested in maximum flexibility and effectiveness from your gift, consider the charitable remainder trusts (CRT's) of .

Our unitrust pays you and/or other beneficiaries income as a fixed percentage of the principal. The unitrust is revalued annually, and income in excess of the percentage payout is reinvested.
Our annuity trust pays you and your beneficiaries a fixed income.

CRT's may pay income to multiple beneficiaries, for life or a term or years. A unitrust may be structured to invest solely for growth for a term of years, an attractive way to help provide for future retirement or tuition needs while also making a substantial gift to . An annuity trust may hold tax-free securities and pass tax-free income through to the beneficiaries.

You, your financial institution, or may serve as the trustee of a CRT. We presently ask for a minimum gift of $ to establish a unitrust that we will trustee.

Example Comparison of Benefits: Unitrust and Annuity Trust		This example is based on a factor that changes monthly. Contact our office for a personal illustration based on the latest rates.
Assumptions:	> Beneficiaries aged 72 and 70 > 28% income tax bracket > Holding $100,000 in stock with $50,000 cost basis
.	Unitrust	Annuity Trust
Contribution	$100,000	$100,000
Income Rate	5%	5%
First Year's Income	$5,000	$5,000
Future Income	Variable	$5,000/year
Charitable Deduction*	$43,764	$43,367
*Based on a Federal Discount Rate of 5%.

To learn more about gifts of charitable remainder trusts, Email us, complete the Information Request form, or call us at so that we can assist you.