Planned Giving

Give More to Aish—and Potentially Save on Taxes

Your retirement and investment assets can do more than support your future—they can help build a strong Jewish future in the Mountain Region.

The Benefits of Giving Directly

When you transfer eligible retirement or appreciated investment assets directly to Aish, you may receive several benefits:

• Potentially reduce taxes: Donating appreciated stock, securities, or mutual funds directly may allow you to avoid recognizing capital gains on the donated appreciation.
• Receive a charitable tax receipt: Aish will provide a receipt reflecting the value of your charitable contribution, subject to applicable rules.
• Potential Colorado Child Care Tax Credit (CCCC): Qualifying contributions may also be eligible for the Colorado Child Care Tax Credit, providing an additional potential state tax benefit.
• Rebalance your portfolio: If one investment has performed particularly well and now represents too much of your portfolio, transferring some of it directly to Aish can reduce your position without first selling it and potentially triggering capital gains. This can be an opportunity to meet with your financial advisor and review your overall portfolio.
• Support Aish: Your gift helps build a strong Jewish future in the Mountain Region.

Give from Your IRA or Retirement Plan

If you are 70½ or older, you may be able to make a charitable gift directly from your IRA or another eligible retirement plan.

What is an RMD?

An RMD (Required Minimum Distribution) is money you are generally required to take out of certain retirement accounts once you reach the applicable RMD age.

If you have an RMD, you can choose to send some or all of that required distribution directly to Aish. When done properly, the amount sent to Aish can count toward satisfying your RMD.

What is a QCD?

A QCD (Qualified Charitable Distribution) is simply a charitable gift made directly from an eligible IRA to a qualified charity such as Aish.

In other words:

You have an RMD → You direct some or all of it to Aish as a QCD → The amount can satisfy your RMD → The donated amount may be excluded from your taxable income.

The key is that the money must go directly from the retirement account to Aish, rather than being paid to you first. This direct transfer is what allows the potential tax benefits described above.

Technical Transfer Information

Request that your retirement plan provider send the distribution directly to:

Southeast Center for Judaism Inc. dba Aish of the Rockies

Please notify Aish of the Rockies Executive Director Zev Jacobs at zjacobs@aishrockies.org when initiating your gift so we can properly identify and credit your contribution.

Electronic or DTC transfers can be made through the Charles Schwab account held by Southeast Center for Judaism dba Aish of the Rockies:

• DTC: 0164 | Code: 40
• Account Name: Southeast Center for Judaism Inc.
• Account Number: *****621
• Schwab: Charles Schwab & Co., Inc., 1945 Northwestern Drive, El Paso, TX 79912
• Tax ID: 94-1737782

Please notify Zev Jacobs at zjacobs@aishrockies.org when initiating your transfer.

Questions About the Transfer?

GHP Investment Advisors: 303.831.5041 | client.relations@ghpia.com

This information is for general educational purposes only and is not tax or financial advice. Eligibility for QCDs, RMD rules, charitable deductions, capital-gains treatment, and the Colorado Child Care Tax Credit depends on your individual circumstances and applicable law. Please consult your tax or financial advisor before making a gift.