Page 19 - 2025 Samaritas Winter Our Hands

Empowering Your Legacy

Strategic Giving through

IRA, QCDs, and Stock Gifts

At Samaritas, every gift is an act of faith—bringing hope to children in foster care, housing to families in crisis, and
strength to communities across Michigan. As tax laws shift, thoughtful giving can multiply your impact while offering
meaningful tax advantages.

1. Give Through Your IRA (QCDs)
If you’re 70½ or older, a Qualified Charitable Distribution (QCD) lets you transfer up to $108,000 per year directly from
your IRA to Samaritas—tax-free and counted toward your Required Minimum Distribution.

Immediate benefit: Reduces taxable income and may lower Medicare premiums.
Protected from 2026 changes: QCDs are exempt from the new 0.5% AGI “floor” and 35% deduction cap.
Tip: Have your IRA trustee send the gift directly and notify Samaritas so your generosity is properly recorded.

2. Donate Appreciated Stock
By giving long-term appreciated stock, you avoid capital gains tax and can deduct the full market value. This can
reduce the after-tax cost of giving by half compared to cash gifts.
Act before 2026: New limits on deductions will make stock gifts in 2025 especially valuable.

3. Prepare for 2026 Tax Changes
Beginning in 2026, non-itemizers may deduct up to $1,000 ($2,000 for couples). Itemizers, however, will face tighter
limits: deductions only above 0.5% of AGI and a top rate capped at 35%.

4. Maximize Your Impact
Make a QCD in 2025 to avoid higher taxes later. Community Grants Provide
Gift appreciated securities now to preserve full deduction value. Extended Care for Refugees
Coordinate early with Samaritas for smooth processing.

Your generosity is more than a gift—it’s a legacy of faith, compassion, and lasting transformation across Michigan.

This year brought significant challenges, as uncertainty surrounding federal funding for legal refugee services placed those
entrusted to our care in an even more vulnerable position.

Yet, amidst these hardships, Samaritas was uplifted by an outpouring of compassion and generosity from every corner of our
community. Individuals, congregations, and corporate and community partners stepped forward in remarkable ways. We are
especially grateful to Masco for their steadfast support of the Samaritas Refugee Emergency Fund. Thanks to their commitment,
we were able to sustain critical housing services for refugees who had just arrived, many of whom suddenly found themselves
without funding or resources.

The Michigan Health Endowment Fund’s Rapid Response Grant provided a lifeline - ensuring that refugees in our care continued
to receive the help they desperately needed—restoring their sense of safety and dignity during uncertain times. Together, we
have given vulnerable refugees not just assistance, but the warmth of community and the promise of a brighter tomorrow.
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