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Designated fund (non-advised)

Through a designated non-advised fund you can recommend one or more charities to benefit from grant distributions from the charitable fund on an on-going basis, and take advantage of the qualified charitable distribution (QCD) to make a gift from your IRA.

  • You pre-select any charity that qualifies as a 501(c)(3) nonprofit organization, as determined by the IRS, to receive grants from the fund.
  • Grant distributions may be set up in perpetuity, or for a term of years.
  • You can name a specific purpose for grant distributions. For example, donors can request that grants distributions benefit a certain program within an organization, such as youth or music programs.
  • If a charity you recommend loses its tax-exempt status, grants will be reallocated among remaining charities, you may name a contingent charity or select one of our collaborative funds to receive grants in the event all of your selected charities cease to qualify as charities.
  • Grants can be made in your fund’s name, in honor or memory of a loved one, or anonymously if you choose.
  • In order to take-advantage of the QCD, you may not maintain any advisory capacity over the fund once it is established (i.e. You may not add or remove selected charities, or change the distribution plan).

Gift Minimum: $5,000 per charity named in fund

Example 1: 
The Donor: A Wisconsin woman in her 70s, who wished to provide permanent support to her church and take advantage of the QCD, since she did not need income from her IRA, but was required to take minimum distributions, which would put her into a higher tax-bracket.
Her Gift: The donor created a designated fund (non-advised) and funded it with a $100,000 QCD each year for two years. Thrivent now makes annual grant distributions to her church that will continue for the donor’s lifetime, and continue the support long after she’s gone.

Example 2: 
The Donor: An Arizona man in his mid-70s, who wished to benefit his favorite charities upon death, and take advantage of the QCD, since he was concerned about RMDs increasing his AGI and affecting Medicare premiums and Social Security taxes.

His Gift: The donor created a designated fund (non-advised) and funded it with a gift of an existing life insurance policy he no longer needed for family protection. He now makes QCDs annually to cover the premium payments on the life policy. At his death, the proceeds from the policy will benefit the designated fund, which will make grant distributions to his selected charities for 10 years then close.

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