Benefits of Giving Wisely to Fern Ridge Library Foundation

Charitable Remainder Trusts

Unitrusts and Annuity Trusts

If you are interested in maximum flexibility and effectiveness from your gift, consider Fern Ridge Library Foundation's charitable remainder trusts (CRT's). 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 Fern Ridge Library Foundation. An annuity trust may hold tax-free securities and pass tax-free income through to the beneficiaries.

You, your financial institution, or Fern Ridge Library Foundation may serve as the trustee of a CRT. We presently ask for a minimum gift of $100,000 to establish a unitrust that we will trustee.

Comparison of Benefits, Unitrust and Annuity Trust

Assumptions:

Beneficiaries aged 72 and 70
30% 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
Charitable Deduction	$43,850	$45,091

To learn more about charitable remainder trusts, email us, complete the personal illustration form, or call us at (541) 683-5701, Ext. 3212 so that we can assist you.

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