{"id":4945,"date":"2026-03-26T12:00:58","date_gmt":"2026-03-26T17:00:58","guid":{"rendered":"https:\/\/www.macalester.edu\/support-mac\/?page_id=4945"},"modified":"2026-04-03T16:07:01","modified_gmt":"2026-04-03T21:07:01","slug":"charitable-gift-annuities","status":"publish","type":"page","link":"https:\/\/www.macalester.edu\/support-mac\/planned-giving\/planned-gift-options\/charitable-gift-annuities\/","title":{"rendered":"Charitable Gift Annuities"},"content":{"rendered":"<section class=\"introduction block-container\" >\n    <div class=\"introduction__content\">\n    \t        \t<p class=\"introduction__copy\">A charitable gift annuity (CGA) is a simple way for you to make a gift to Macalester and receive some attractive benefits in the process. <\/p>\n    \t    <\/div>\n<\/section>\n\n\n<h2 class=\"wp-block-heading\">How CGA Works<\/h2>\n\n\n\n<p>After making your gift to Macalester, fixed payments will be made to you for life or to a maximum of two individuals yourself for life or a number of years depending on their age(s). The annuity payment is determined based, in part, on the age of the annuitant(s) (the person\/persons receiving the payments) and when payments begin.&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"344\" src=\"https:\/\/www.macalester.edu\/support-mac\/wp-content\/uploads\/sites\/239\/cga-diagram.jpg\" alt=\"A three-step flowchart showing a donor (orange icon) gifting assets to a Charitable Gift Annuity (document icon) in exchange for fixed payments and tax deductions. A final arrow points to the ÈÕº«¾«Æ· shield logo, representing the transfer of the remaining funds.\" class=\"wp-image-4947\" srcset=\"https:\/\/www.macalester.edu\/support-mac\/wp-content\/uploads\/sites\/239\/cga-diagram.jpg 600w,  https:\/\/www.macalester.edu\/support-mac\/wp-content\/uploads\/sites\/239\/cga-diagram-300x172.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p style=\"font-size:13px\"><i>Chart description: The diagram uses navy blue and orange icons with numbered steps to map the process. An orange figure with a heart is labeled DONOR, while an orange document icon is labeled CHARITABLE GIFT ANNUITY. A navy blue curved arrow (Step 1: GIFT OF ASSETS) connects the donor to the annuity, while a returning arrow (Step 2: INCOME TAX DEDUCTION \/ FIXED PAYMENTS) completes the loop. A final straight arrow (Step 3: REMAINDER TO MACALESTER) points right toward the college&#8217;s navy blue shield logo.<\/i><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">CGA Benefits<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You will receive a charitable deduction the year you create your CGA<\/li>\n\n\n\n<li>You and\/or your annuitants will receive an annual payment for life at an attractive rate<\/li>\n\n\n\n<li>A portion of the annual payments will be tax-free<\/li>\n\n\n\n<li>You may see capital gains savings if you donate long-term appreciated securities to create your CGA<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Details to Keep in Mind<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The minimum gift to establish a CGA is $15,000<\/li>\n\n\n\n<li>Annuitants must be at least 60 years of age to start receiving payments<\/li>\n\n\n\n<li>CGAs may be funded with cash, publicly traded securities, and, under specific circumstances, an IRA qualified charitable distribution (QCD)&nbsp;<\/li>\n\n\n\n<li>IF you don\u2019t need income immediately, consider deferring your payments<\/li>\n<\/ul>\n\n\n<section class=\"introduction block-container\" >\n    <div class=\"introduction__content\">\n    \t        \t<p class=\"introduction__copy\">Our Planned Giving team is happy to discuss your specific circumstances and provide customized illustrations with no obligation. <\/p>\n    \t    <\/div>\n<\/section>\n\n<section class=\"link-group block-container\" >\n        <div class=\"link-group__featured-row\">\n        <div class=\"link-group__featured-inner\">\n            <div class=\"link-group__featured-inner-inner\">\n                <ul class=\"link-group__featured-link\">\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/support-mac\/planned-giving\/planned-gift-options\/\" target=\"_self\">\n\t\t\t\t\t\t\t    More planned gift options\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>How CGA Works After making your gift to Macalester, fixed payments will be made to you for life or to a maximum of two individuals yourself for life or a number of years depending on their age(s). The annuity payment is determined based, in part, on the age of the annuitant(s) (the person\/persons receiving the [&hellip;]<\/p>","protected":false},"author":875,"featured_media":0,"parent":4757,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4945","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/pages\/4945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/users\/875"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/comments?post=4945"}],"version-history":[{"count":17,"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/pages\/4945\/revisions"}],"predecessor-version":[{"id":5223,"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/pages\/4945\/revisions\/5223"}],"up":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/pages\/4757"}],"wp:attachment":[{"href":"https:\/\/www.macalester.edu\/support-mac\/wp-json\/wp\/v2\/media?parent=4945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}