Ways to Give

Ways to Give

Read below for a brief overview of the different ways you can give to UMB. To learn more about each giving option, select the one that most interests you.

Wallet containing paper money.

CASH

From traditional bills and coins, to checks, electronic payments, or Direct-IRA gifts (not including Donor-Advised Fund gifts), cash is the most popular form of giving, for convenience, immediacy, and familiarity.

A document with a chart.

INVESTMENT ASSETS

Giving appreciated stock, mutual funds, and other investment assets provide donors the additional benefit of avoiding recognition of long-term capital gains, and thus avoid paying tax on those gains.

Icon of a signed living will or bequest.

BEQUESTS

Estate gifts through provisions in a will or living trust, or through the beneficiary forms on insurance or retirement funds, are the oldest and largest types of gifts made in humanity.

A building for sale.

REAL ESTATE

Donors with real estate available to them for gifting purposes have several options: giving it outright to the Foundation; giving it and receiving a portion of the income; giving it and living in it for life; or selling the property at a discount.

Hands shaking over a financial deal.

DONOR-ADVISED FUNDS

DAFs are accounts hosted by a 501(c)(3), opened by an individual with donated assets above a minimum amount. The donor subsequently recommends that grants be made out of the DAF to other 501(c)(3) charities named by the donor.

Icon of an hourglass and money, representing financial returns over time.

CHARITABLE GIFT ANNUITIES

For almost 180 years, Americans have been using charitable gift annuities to provide income—usually for life—in exchange for a donation of assets.

Charitable Lead Trusts

CHARITABLE LEAD TRUSTS

Finally, other gift options like charitable lead trusts present opportunities for donors to give property into a trust that makes gifts to the foundation over a set period of time, and at termination the remainder principal returns.

An exachange of benefits in the form of reciprocal payouts.

CHARITABLE REMAINDER TRUSTS

The charitable remainder trust (CRT) allows donors to customize income to their needs, convert illiquid assets into a new stream of income, or a host of other financial and estate planning goals that can be accomplished through a charitable trust.

Charitable Remainder Trust

GIFT OF IRA ASSETS

Fortunately for many, investments and other income sources in retirement mean that retirement savings are in excess of annual and lifetime needs.

Securities briefcase

GIVING STOCK INSTEAD OF CASH

Giving appreciated stocks and mutual funds (owned for more than one year) immediately adds a tax advantage over making the same gift in cash.