Outright Gift of Appreciated Securities

Receive a Tax Deduction for Using These as Gifts

Securities and mutual funds that have increased in value and been held for more than one year are one of the most popular assets to use when making a gift to Gettysburg College. Making a gift of securities or mutual funds to us offers you the chance to support our work while realizing important benefits for yourself.

When you donate appreciated securities or mutual funds you have held more than one year to us in support of our mission, you can reduce or even eliminate federal capital gains taxes on the transfer. You may also be entitled to a federal income tax charitable deduction based on the fair market value of the securities at the time of the transfer.

Securities are most often used to support our work in the form of:

An outright gift. When you donate securities to Gettysburg, you receive the same income tax savings that you would if you wrote us a check, but with the added benefit of eliminating capital gains taxes on the transfer, which can be as high as 20 percent.

Click on the links below to see the additional ways to fund your gift:

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Next Steps

To make outright gifts of publicly traded stock, please follow these steps:

  1. Contact a member of the development office (1-800-238-5528) to let them know you are making a gift and which broker you are using, which minimizes delays in processing your gift.
  2. Contact your broker with the details of the securities you wish to transfer, along with contact information for one of these trusted brokers:

    Morgan Stanley
    c/o Dale Beshore ’10
    214 Senate Avenue, 7th Floor
    Camp Hill, PA 17011
    Account Number: 341-034801-158
    Deposit Trust Company: #0015

    Merrill Lynch
    c/o David Haight
    14 Exchange Place
    Jersey City, NJ 07302
    Fax: 973-607-4647
    Account Number: 82B02229
    Deposit Trust Company: #8862

    Charles Schwab
    c/o Ryan Claar
    22A North 2nd Street
    Harrisburg, PA 17101
    Account Number: HG36421756
    Deposit Trust Company: #0164

If you wish to contribute mutual fund shares, private stock, or other appreciated securities, contact Steve Miller, Executive Director of Planned Giving, at 717-337-6546 or smiller@gettysburg.edu, or Emily Clarke, Manager of Planned Giving, at 717-337-6478 or eclarke@gettysburg.edu.

A charitable bequest is one or two sentences in your will or living trust that leave to Gettysburg College a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

"I give, devise, and bequeath to Gettysburg College, a not-for-profit organization located at 300 N. Washington Street, Gettysburg, PA 17325, _____ percent (%) of my gross estate (or $_____) for the College's general purposes."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to Gettysburg or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to Gettysburg as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to Gettysburg as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and Gettysburg where you agree to make a gift to Gettysburg and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

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