Stock Giving, QCD, CGA

Since 2007, National Mill Dog Rescue has freed nearly 20,000 dogs from the commercial dog breeding industry. Our dogs are true survivors, and we are often their only voice and path into a loving home. You, our donors, are their only hope for our continued success.  

When you gift stocks and other securities directly to a charity, you make an outsized impact without taking money directly out of your bank account. Plus, neither you nor the charity will be taxed on the gains for appreciated assets you donate.  That’s a triple-win! 

*Always check with your tax professional for rules and laws related to any donations.

Stock Giving

Gifting stock is a smart way to give. A donation of appreciated stock can be up to 20% more valuable than selling and donating the cash, allowing you to make a bigger impact and save on your taxes.

The benefits of donating stock to charity include:

• Avoid capital gains tax
• Gifting stock avoids federal capital gains tax and most donors can also claim an income tax deduction for the stock’s full market value (state & local income tax deductions may also be available in some areas).
• When you give appreciated stocks directly to charity, your gift can be up to 20% larger because you avoid the taxes you’d incur from selling and donating the cash. This means more money going to the work that you support.   *Always check with your tax professional for rules and laws related to any donations. 

Please let us know by email saraht@nmdr.org or call 719-683-3334 when you have made a stock donation, and provide us with the date of transer, stock name, and brokerage. We are not notified when stock is transferred/donated into our brokerage account so it is important that we have your information so we can watch for the donation, capture it in our donor system, and send you an acknowledgement.  

Qualified Charitable Distribution (QCD)

One effective strategy for charitable giving, especially for those who are older and need to meet Required Minimum Distributions (RMDs) from retirement accounts, is a Qualified Charitable Distribution (QCD). By transferring funds directly from an IRA to a qualified 501(c)(3) charity, individuals avoid paying taxes on the distribution while ensuring the charity benefits fully. The maximum Qualified Charitable Contribution allowed for taxpayers in 2025 is $108,000 for an individual and $216,000 for a married couple.

For additional information on QCDs, please visit the IRS website.

*Always check with your tax professional for rules and laws related to any donations.

Charitable Gift Annuity (CGA)

For those who may be interested in creating a regular income payment for life, consider a Charitable Gift Annuity (CGA). In return for establishing a CGA with cash or securities, you as the annuitant receive a partial income tax deduction for the donation and a guaranteed lifetime income stream.

For more information and an illustration of what income your donation could generate, please contact tommie@nmdr.org.

*Always check with your tax professional for rules and laws related to any donations.