Flexible Gift Annuities

Simply…

1. TRANSFER cash or securities to the National Gift Annuity Foundation. Our minimum gift requirement is $20,000.
2. PROVIDE a range of possible starting dates for the annuity payments to begin. Each date offers progressively higher payment rates.
3. RECEIVE a charitable tax deduction and potential savings in capital gains and estate tax
4. COLLECT life-time fixed payments for 1) you, 2) you and a your spouse, or 3) any two beneficiaries you name. Note: beneficiaries must be at least 55 years old.
5. SUPPORT your recommended charity(ies) with the final residuum balance via NGAF.

Features & Benefits…

Even if you do not have a set retirement date, you can create a gift annuity with a flexible start date.
The contract includes a range of possible annuity start dates, and each date will offer you progressively higher payment rates. Your charitable deduction will be an amount that corresponds to the earliest possible start date.
Deferral of payments yields a higher annuity rate and generates a larger income tax charitable deduction. The longer payments are deferred, the higher the annuity rate and deduction.
The annuity payment taxation is treated as part ordinary income, part capital gain income and/or part tax-free income, depending on the assets used to create the annuity.
Payments are typically much higher than the return on low-earning savings accounts and CDs or low-dividend stock.
You will have created a meaningful gift for the charities you choose to support while providing income for yourself and/or beneficiaries.

Younger than 65?

Consider a DEFERRED ANNUITY for a higher payout.

Bryan Clontz

Bryan served from 2013-2014 as the Leon L. Levy Fellow in Philanthropy at The American College of Financial Services. He also serves as a Senior Partner to Ekstrom Alley Clontz & Associates – a community foundation consulting firm in New Haven, CT.

Bryan is the founder of the Dechomai Foundation, Inc. and the Dechomai Asset Trust – two national donor advised funds focusing on non-cash assets generally and S-corp transactions respectively. He is also the founder of The Emergency Assistance Foundation, Inc. – a national fund allowing employers to create emergency assistance and disaster relief funds for their employees, where he now serves as secretary and advisor to the president.

In the decade prior to founding Charitable Solutions, LLC in 2003, he served as the director of planned giving for the United Way of Metropolitan Atlanta, national director of planned giving for Boys & Girls Clubs of America and then as vice president of advancement at The Community Foundation for Greater Atlanta.

He received a bachelor of science in business administration from the College of Charleston in Charleston, SC; a master’s degree in risk management and insurance from Georgia State University in Atlanta, GA; master’s degree in financial services and Ph.D. in financial and retirement planning from The American College of Financial Services, Bryn Mawr, PA.

From 2000-2005, he served as a graduate adjunct professor for both personal financial planning and life insurance in the Department of Risk Management and Insurance at Georgia State University. He serves on the Editorial Board of the Planned Giving Design Center (2000-current) and on the Advisory Board for the American College’s Chartered Advisor in Philanthropy designation (2001-current).

Previously, he served on the American Council on Gift Annuities’ Rate Recommendation and Research Committee (2003-2010) and the Partnership for Philanthropic Planning (formerly NCPG) Board (2007-2009).

He has given more than 2,000 presentations on charitable gift planning; been published in an international insurance textbook; and written more than two dozen articles in financial services and planned giving journals, including a planned giving manual entitled Just Add Water, which has sold more than 2,500 copies. Bryan chaired the inaugural statewide Leave a Legacy Georgia! campaign.

He is the co-inventor of a proprietary CGA risk management process (LIRMAS- Life Income Risk Management Analytic Suite) based on an actuarial study he co-authored for the Society of Actuaries on CGA Mortality.