Consider a planned gift to the Missouri Stream Team Watershed Coalition.
Consider a planned gift to Stream Teams United (the Missouri Stream Team Watershed Coalition EIN: 43-1900822)
What is Planned Giving?
When you write a check or give stock to the Missouri Stream Team Watershed Coalition or another charitable organization, you are
making what’s sometimes referred to as a current gift. Many donors make current gifts every year, and these gifts are often referred to as annual gifts.
In addition to making current gifts, many donors arrange to make future gifts to the Missouri Stream Team Watershed Coalition. These
structured future transfers are often referred to as planned giving because, well, they require planning.
There are many reasons you might decide to make a planned gift to support the Missouri Stream Team Watershed Coalition (Stream Teams United) and its mission:
● You want to leave a legacy so your commitment continues beyond your lifetime.
● You want your family to experience the joy of giving after you’re gone.
● You want to make the most of tax benefits associated with planned giving, such as avoiding capital gains tax, securing an income tax deduction up front, or retaining an income stream.
● You own certain assets that may not be ideal to leave to family members, but could make an excellent charitable gift.
Here are a few ideas for deciding whether planned giving might be right for you:
● Talk with our team about your charitable goals.
● Talk with your estate planning attorney and financial advisors.
● If you work with a community foundation, talk with them about vehicles that can support the Missouri Stream Team Watershed Coalition (Stream Teams United) and other charities through a single plan.
When you write a check or give stock to the Missouri Stream Team Watershed Coalition or another charitable organization, you are
making what’s sometimes referred to as a current gift. Many donors make current gifts every year, and these gifts are often referred to as annual gifts.
In addition to making current gifts, many donors arrange to make future gifts to the Missouri Stream Team Watershed Coalition. These
structured future transfers are often referred to as planned giving because, well, they require planning.
There are many reasons you might decide to make a planned gift to support the Missouri Stream Team Watershed Coalition (Stream Teams United) and its mission:
● You want to leave a legacy so your commitment continues beyond your lifetime.
● You want your family to experience the joy of giving after you’re gone.
● You want to make the most of tax benefits associated with planned giving, such as avoiding capital gains tax, securing an income tax deduction up front, or retaining an income stream.
● You own certain assets that may not be ideal to leave to family members, but could make an excellent charitable gift.
Here are a few ideas for deciding whether planned giving might be right for you:
● Talk with our team about your charitable goals.
● Talk with your estate planning attorney and financial advisors.
● If you work with a community foundation, talk with them about vehicles that can support the Missouri Stream Team Watershed Coalition (Stream Teams United) and other charities through a single plan.
What are different types of Legacy gifts? Explore these options below.
Leaving a Bequest
If you’ve put together an estate plan with the help of an attorney, you may be familiar with the term bequest. A bequest is an instruction for assets or money to transfer to a person or nonprofit following your death.
Will or Trust
You can include a bequest to the Missouri Stream Team Watershed Coalition in your will or revocable living trust. You can leave:
● A specific dollar amount
● A percentage of your estate
● The remainder after distributions to family and other beneficiaries
Sample language your attorney may use:
● “I give to Missouri Stream Team Watershed Coalition, the rest and residue of my estate for its unrestricted use.”
● “I give to Missouri Stream Team Watershed Coalition, ____% of my estate for its unrestricted use.”
● “I give to Missouri Stream Team Watershed Coalition, the sum of $____ for its unrestricted use.”
Beneficiary Designation
You can leave a bequest through a beneficiary designation on your IRA, other retirement plan, or life insurance policy. Beneficiary designations can be updated throughout your lifetime.
Example beneficiary language:
● Missouri Stream Team Watershed Coalition, for its unrestricted use.”
Donor-Advised Fund (if applicable)
You can also include Missouri Stream Team Watershed Coalition as a beneficiary of your donor-advised fund at Community
Foundation of the Ozarks, directing that a portion of the fund supports Missouri Stream Team Watershed Coalition after your death.
Charitable Remainder Trust
A charitable remainder trust (CRT) allows you to make a future gift to a nonprofit, be eligible for an up-front income tax deduction, and retain an income stream for life or a period of years.
To establish a CRT, you will work with your attorney to create the trust and select a trustee. A community foundation may be able to serve as a trustee.
Factors your tax advisor may consider:
● Your charitable goals
● Your income needs
● Whether you have highly appreciated assets (stock or real estate) that are good candidates
How it works:
● The trust pays income to you (or another beneficiary) for life or up to 20 years.
● The remainder passes to the Missouri Stream Team Watershed Coalition (or multiple charities) at the end of the term.
Types:
● CRAT: fixed annuity amount each year; no additional contributions.
● CRUT: fixed percentage based on annual revaluation; additional contributions allowed.
Charitable Gift Annuity
A charitable gift annuity (CGA) can be a good fit if you like the idea of an up-front tax deduction, a steady lifetime income stream, and a remainder gift to a nonprofit.
A CGA is a contract: you make an irrevocable transfer of cash or assets to the Missouri Stream Team Watershed Coalition. In return,
Missouri Stream Team Watershed Coalition agrees to pay you (or a designated beneficiary such as a spouse) a fixed payment for
life.
Payout rates are based on national standards and assumptions that change over time.
If you are age 70½ or older, you may be able to use a one-time IRA distribution (subject to IRS rules) to fund a life-income gift such as a CGA or CRT.
Gifts of Stock
While a gift of stock is usually a current gift, giving closely held stock or other complex assets requires careful planning.
Benefits of giving highly appreciated assets:
● You may be eligible for a deduction based on fair market value.
● When the nonprofit sells the asset, the nonprofit generally does not pay capital gains tax.
● You avoid capital gains tax you would have paid if you sold first.
If you are considering giving part (or all) of a closely held business to a nonprofit, reach out early. These transactions are complex, and the best outcomes usually require multi-step planning well before a sale.
Gifts of Real Estate
If you own highly appreciated residential, commercial, or undeveloped real estate, you may be ready to simplify. This can be an excellent opportunity to discuss a charitable gift.
A gift of real estate can help you:
● Avoid capital gains taxes
● Reduce taxable estate (if applicable)
● Potentially fund a CRT
Real estate gifts also carry emotional significance. We can help you navigate options with your advisors.
Qualified Charitable Distributions (QCDs)
If you are age 70½ or older, a Qualified Charitable Distribution (QCD) may be a tax-savvy way to
support the Missouri Stream Team Watershed Coalition.
General overview:
● You may direct up to $111,000 annually (the 2026 amount, indexed for inflation under current law) from a traditional IRA to a qualified nonprofit.
● QCDs can count toward your Required Minimum Distribution (RMD) once RMDs apply.
● QCD transfers are not included in taxable income.
(Note: QCDs generally cannot be made to donor-advised funds. Confirm eligibility with your advisor.
Life Insurance
You may consider naming Missouri Stream Team Watershed Coalition as the beneficiary of a life insurance policy—or, in some
cases, transferring ownership.
Potential benefits:
● Proceeds may not be included in your taxable estate (consult your advisor).
● There may be income tax benefits during life if ownership is transferred.
Important notes:
● State law varies.
● Paperwork is often complex; use the correct change-of-ownership and beneficiary forms.
● Your advisor can help calculate deduction rules and avoid unintended tax events (e.g., policies with loans).
If you’ve put together an estate plan with the help of an attorney, you may be familiar with the term bequest. A bequest is an instruction for assets or money to transfer to a person or nonprofit following your death.
Will or Trust
You can include a bequest to the Missouri Stream Team Watershed Coalition in your will or revocable living trust. You can leave:
● A specific dollar amount
● A percentage of your estate
● The remainder after distributions to family and other beneficiaries
Sample language your attorney may use:
● “I give to Missouri Stream Team Watershed Coalition, the rest and residue of my estate for its unrestricted use.”
● “I give to Missouri Stream Team Watershed Coalition, ____% of my estate for its unrestricted use.”
● “I give to Missouri Stream Team Watershed Coalition, the sum of $____ for its unrestricted use.”
Beneficiary Designation
You can leave a bequest through a beneficiary designation on your IRA, other retirement plan, or life insurance policy. Beneficiary designations can be updated throughout your lifetime.
Example beneficiary language:
● Missouri Stream Team Watershed Coalition, for its unrestricted use.”
Donor-Advised Fund (if applicable)
You can also include Missouri Stream Team Watershed Coalition as a beneficiary of your donor-advised fund at Community
Foundation of the Ozarks, directing that a portion of the fund supports Missouri Stream Team Watershed Coalition after your death.
Charitable Remainder Trust
A charitable remainder trust (CRT) allows you to make a future gift to a nonprofit, be eligible for an up-front income tax deduction, and retain an income stream for life or a period of years.
To establish a CRT, you will work with your attorney to create the trust and select a trustee. A community foundation may be able to serve as a trustee.
Factors your tax advisor may consider:
● Your charitable goals
● Your income needs
● Whether you have highly appreciated assets (stock or real estate) that are good candidates
How it works:
● The trust pays income to you (or another beneficiary) for life or up to 20 years.
● The remainder passes to the Missouri Stream Team Watershed Coalition (or multiple charities) at the end of the term.
Types:
● CRAT: fixed annuity amount each year; no additional contributions.
● CRUT: fixed percentage based on annual revaluation; additional contributions allowed.
Charitable Gift Annuity
A charitable gift annuity (CGA) can be a good fit if you like the idea of an up-front tax deduction, a steady lifetime income stream, and a remainder gift to a nonprofit.
A CGA is a contract: you make an irrevocable transfer of cash or assets to the Missouri Stream Team Watershed Coalition. In return,
Missouri Stream Team Watershed Coalition agrees to pay you (or a designated beneficiary such as a spouse) a fixed payment for
life.
Payout rates are based on national standards and assumptions that change over time.
If you are age 70½ or older, you may be able to use a one-time IRA distribution (subject to IRS rules) to fund a life-income gift such as a CGA or CRT.
Gifts of Stock
While a gift of stock is usually a current gift, giving closely held stock or other complex assets requires careful planning.
Benefits of giving highly appreciated assets:
● You may be eligible for a deduction based on fair market value.
● When the nonprofit sells the asset, the nonprofit generally does not pay capital gains tax.
● You avoid capital gains tax you would have paid if you sold first.
If you are considering giving part (or all) of a closely held business to a nonprofit, reach out early. These transactions are complex, and the best outcomes usually require multi-step planning well before a sale.
Gifts of Real Estate
If you own highly appreciated residential, commercial, or undeveloped real estate, you may be ready to simplify. This can be an excellent opportunity to discuss a charitable gift.
A gift of real estate can help you:
● Avoid capital gains taxes
● Reduce taxable estate (if applicable)
● Potentially fund a CRT
Real estate gifts also carry emotional significance. We can help you navigate options with your advisors.
Qualified Charitable Distributions (QCDs)
If you are age 70½ or older, a Qualified Charitable Distribution (QCD) may be a tax-savvy way to
support the Missouri Stream Team Watershed Coalition.
General overview:
● You may direct up to $111,000 annually (the 2026 amount, indexed for inflation under current law) from a traditional IRA to a qualified nonprofit.
● QCDs can count toward your Required Minimum Distribution (RMD) once RMDs apply.
● QCD transfers are not included in taxable income.
(Note: QCDs generally cannot be made to donor-advised funds. Confirm eligibility with your advisor.
Life Insurance
You may consider naming Missouri Stream Team Watershed Coalition as the beneficiary of a life insurance policy—or, in some
cases, transferring ownership.
Potential benefits:
● Proceeds may not be included in your taxable estate (consult your advisor).
● There may be income tax benefits during life if ownership is transferred.
Important notes:
● State law varies.
● Paperwork is often complex; use the correct change-of-ownership and beneficiary forms.
● Your advisor can help calculate deduction rules and avoid unintended tax events (e.g., policies with loans).
How to get started with a legacy gift to Stream Teams United?
1.) Talk with the team at Stream Teams United about what you have in mind and what parts of the mission you want to support.
2.) Talk with your legal and tax advisors to determine the best assets to deploy and the structure that fits your goals.
3.) Set a group conversation with you, your advisors, Stream Teams United and Community Foundation of the Ozarks to confirm structure and details.
4.) If you would like to benefit Stream Teams United and other favorite organizations through a single plan, a community foundation can often provide vehicles and services that support multi-nonprofit planning and complex assets.
2.) Talk with your legal and tax advisors to determine the best assets to deploy and the structure that fits your goals.
3.) Set a group conversation with you, your advisors, Stream Teams United and Community Foundation of the Ozarks to confirm structure and details.
4.) If you would like to benefit Stream Teams United and other favorite organizations through a single plan, a community foundation can often provide vehicles and services that support multi-nonprofit planning and complex assets.