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AG EDUCATION                                                                                                                 BETTER THAN EVER

            Fall Transition                                      to see this time of year- those are our local lemon or                                 Inspiring Local Philanthropy

                                                                 avocado orchards!
                                                                    As I have mentioned before, fruits and vegetables are
                     in the Ag                                   seasonal, meaning certain products grow in our region for                                 Tips for Year-End Giving
                                                                 a certain time and then the weather signals them to shut
                     Industry                                    down, flower, ripen, etc. depending on the commodity.                                                      BY AMANDA HOLDER, COMMUNITY FOUNDATION
                                                                 You won’t see a complete disappearance of all vegetables
                                                                 in our area; broccoli will be a predominant player grown
                                                                 over winter still, and before you know it, farmers will be
                                                                 planting again soon for their first crop of 2025 that will be                                                            is tax-free). The remainder creates a fund at the Foundation
              Seasonal produce available in our region           ready for harvest as early as March or April.                                                                            to benefit any nonprofit you choose.
                                                                    On the processing side of the industry, it is amazing
                         BY JYNEL GULARTE, RIVER RD.             to see all of the equipment from our local salad plants                                                                  4) USE YOUR IRA FOR GIVING
                                                                 be packed up and shipped down to Yuma. Many of the                                                                       If you are 70 1/2 or older, you can make a Qualified Charitable
           Howdy neighbors! It’s Jynel again, your local farm friend here to   workers will also head down south for about 5 months as                                                    Distribution (QCD) from your IRA to the CFMC for the causes you
           talk about agriculture and fall transition! As I had described back   well to work the winter season in Arizona.                                                               care about. Gifts made from your IRA (up to $100,000 per year) are
           in our March issue, the transition was happening from Yuma,   As the weather cools down and farm work slows for                                                                not taxable income and may qualify towards your RMD.
           Arizona, back to the Salinas Valley. Now, at the end of our Salinas   those of us who do not do the winter season down south,
           season, we will transition to Yuma or Oxnard from Salinas!   it is a great time to catch up on any odds and ends on                                                            You can make an IRA gift to the Foundation to pass through to one
             Looking around the county, you may see more “empty” or   the farm. Tasks that were put off during the year can be                                                            or more nonprofits, add to a fund (excluding DAFs), or create a
           bare fields- the technical term is fallow ground. This basically   attended to, projects like updating infrastructure can now                                                  Charitable Gift Annuity. You can even make an IRA QCD through
           means that no crop is being grown, and the ground is unplanted.   be taken care of, a lot of equipment gets fixed, budgets are                                                 Monterey County Gives! to benefit multiple nonprofits with one set
           If you look out onto our most famous wine region, the Santa   assessed, seeds are ordered, and planting schedules form                                                         of instructions and receive a partial match.
           Lucia Highlands, you will see bare vineyards or leaves falling   to prepare for the coming year. It is a busy time in farm                                                     Living life to the fullest and being better than ever in the 50+ crowd is celebrated on this page. Contact
           as the vines begin to shut down for the winter. I like noticing   offices, too, as year-end planning and reporting begins.                                                     Laurie.Martin@n2co.com or phone 272-4620 to share your accomplishments.
           all the patches of green still in the Highlands, which are easier   I have included what is in season for November. I hope
                                                                 you all give thanks for the blessings in your life and take
                                                                 a moment to appreciate all of the hard work that farmers,                Though the Community Foundation for Monterey County
                                                                 farm workers, tractor drivers, irrigators, and ranchers                  (CFMC) works with individuals, families, and businesses
                                                                 have done to bring food to your Thanksgiving table!                      to enhance their philanthropy throughout the year, many
                                                                                                                                          people focus their donations during the year-end giving
                                                                 Jynel Gularte lives in the River Road                                    season. Here are five giving options to help you make a
                                                                 community and works for her family’s                                     meaningful difference.
                                                                 local farm. She is excited to help spread
                                                                 awareness about the agricultural way of                                  1) CREATE A DONOR ADVISED FUND
                                                                 life in the Salinas Valley and the bountiful                             This is a great way to claim a tax deduction now and
                                                                 produce that’s grown here.                                               support your favorite nonprofits over time.
                                                                                                                                          Donor-advised funds (DAFs) can be created quickly
                                                                 Ag is crucial to our economy, our livelihood, and our dinner tables. Learn more about our   and easily at the CFMC with a gift of $5,000 or more.
                                                                 local ag industry as Jynel Gularte takes us through a farmer’s life. Contact Laurie.Martin@  With a gift of appreciated stock or mutual funds, you
                                                                 n2co.com with any questions you have for Jynel.
                                                                                                                                          avoid paying capital gains tax and receive an immediate
                                                                                                                                          income tax deduction.
                                                                             IN SEASON NOW
                                                                                  November                                                2) DONATE REAL ESTATE OR STOCK
                                                                                                                                          Gifts of real estate or stock are good options to benefit
                                                                                                                                          both the nonprofit recipient and donor with an income
                                                                           VEGGIES            FRUIT                                       tax deduction and capital gains tax savings. A gift of
                                                                           Artichokes         Apples                                      appreciated stock is one of the most tax-savvy ways to
                                                                             Beets           Grapes                                       support your favorite causes. Rather than selling the stock
                                                                         Brussels Sprouts      Kiwi                                       and donating cash, capital gains tax can be avoided by
                                                                           Mushrooms         Lemons                                       donating the stock directly to the Foundation or nonprofit
                                                                            Peppers          Oranges                                      of your choice.
                                                                            Potatoes          Pears
                                                                            Radishes        Persimmons                                    3) CONSIDER LIFE-INCOME GIFTS
                                                                         Sweet Potatoes    Pomegranates                                   Life income gifts such as Charitable Remainder
                                                                          Winter Squash      Walnuts                                      Trusts and Charitable Gift Annuities offer immediate
                                                                                                                                          tax deductions and income for life (a portion of which


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