Appreciated Securities

Appreciated Securities


Over the last decade the stock market has risen more than 225%, making a gift of long-term (owned more than one year) appreciated securities more tax advantageous than giving cash for most taxpayers.
 
Donors receive an income tax deduction for the full fair market value of the stock and avoid paying a capital gains tax on the appreciated securities. For donors who will not be itemizing their deductions this year, gifts of long-term appreciated securities are still a very important tool to eliminate capital gains on the appreciation and make a meaningful gift to Emma Willard.
 
Example: Lisa is returning to Emma Willard School for her 50th Reunion and would like to make a special gift in honor of her special Reunion and be part of the Revels Challenge. She and her husband purchased a stock in 2009 for $1,000. The stock is now worth $5,000.
 
By gifting the stock directly to Emma, they receive a $5,000 income tax deduction which saves them $1,500 in federal and state income taxes. In addition, by gifting the stock versus selling the stock, they avoid paying up to $800 in capital gains taxes. The net cost of gifting the stock after the tax savings is $2,700.
 
But the most important “win” for Lisa and her husband is to know that they are helping today’s Emma Girls receive the same transformative education Lisa received 50 years ago!



The information presented on these web pages is not offered as legal or tax advice. You are urged to seek the advice of your tax advisor, attorney, and/or financial planner to make certain any gift you are considering fits well in your specific circumstances.


Contact us

For more information on making a gift of appreciated securities, please contact Jack Sise, Director of Gift Planning, at jsise@emmawillard.org or by phone at 518-833-1831.
285 Pawling Avenue, Troy, NY 12180 | P: 518.833.1300 F: 518.833.1815
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