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Charitable Gift Annuity

A charitable gift annuity (CGA) is a way to make a gift to support the causes that you care about. You make a gift of cash or property to LSSND. In return, we will make payments for life to you, you and a loved one, or another person. Each payment will be fixed and the amount of each payment will depend on the age of the person who receives the payments. After all payments have been made, we will receive the remaining value of your gift to support the causes that matter to you. 

How Gift Annuity is Taxed

A CGA produces ordinary income that will be taxed at your normal income tax rate. However, if your gift is appreciated property, a portion of your payments will be taxed at the lower capital gains tax rate. A portion of your payment could even be tax free if you make a gift of cash or appreciated property.


Your payments are fixed as of the date of your gift. This means that your payments will never change, even if interest rates or the stock market changes. Depending upon your gift, you may receive the added benefit of mostly tax-free payments. You will also receive a charitable deduction in the year that you set up the gift annuity.

Secure Your Future

If you are looking for a way to secure your future, a charitable gift annuity may be the best answer for you. Not only will your gift help further a cause you care about, but you will receive the security of fixed payments for your lifetime back by our promise to pay. Now is the right time to lock in your payout rate with a gift to fund a charitable gift annuity. To find out how high our payments could be and to learn more about charitable gift annuities, please give us a call. 

Our Impact This Year

  • People received help with immigration-related services


  • Problem gamblers who found help


  • Hours of training provided by Child Care Aware to early childhood workforce


  • Seniors provided with companionship in North Dakota


© 2018 Lutheran Social Services of North Dakota

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