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Central Branch
3875 Eldamain Rd.
Plano, IL 60545
Phone: 630-552-4100
Fax: 630-552-9623

West Branch
707 S. Main St.
Sandwich, IL 60548
Phone: 815-786-9998
Fax: 815-786-2315

East Branch
Coming Soon!
Yorkville, IL 60560

YMCA STRONG KIDS COMMUNITY SUPPORT CAMPAIGN

Everyone is welcome at the YMCA. Walk into any of our program sites or our facility and you will see people of all ages and incomes. If a person or family is unable to pay for membership, scholarships are provided through donations from generous businesses, foundations and individuals. Over $70,000 from the YMCA last year was used to support membership scholarships and programs that change lives.

The demand for scholarships and program sponsors increases every year. More than 1,000 individuals received assistance last year. Your gifts are needed to keep the YMCA open to all. Contributions can be made with stock, cash, credit card, or through a small increase to your monthly membership bank draft. Contact Brent Finlay at (630) 552-4100 ext. 225 for more details.

*Click here to view our 2008 brochure.

CAPITAL CAMPAIGN

In addition to annual contributions for scholarship and program support, the Fox Valley Family YMCA is actively reinvesting in facilities to meet the needs of kids, teens, families and seniors for generations to come. The YMCA Capital Campaign raises funds for capital investment. Every gift, large or small, is important as we look to your YMCA's future. To find out more, click here!

PLANNED GIVING

Gifts by Will or Living Trust
Everyone needs a will or living trust. It provides a blueprint for disposing of your property after your death. Many individuals find that a charitable bequest to the YMCA can fit into their estate plans, providing meaningful support to YMCA programs and lowering the value of the estate and possibly saving estate taxes.

Charitable Gift Annuity
The YMCA Charitable Gift Annuity program offers donors the opportunity to make a donation today and receive life income and tax benefits. A Charitable Gift Annuity is a simple contract between you and the YMCA in which you agree to give an asset (often highly appreciated stock) and the YMCA promises a life income from that asset with highly favorable rates, based upon your age at the time of the gift.

Charitable Remainder Trusts
A Charitable Remainder Trust gift places assets into a trust for gifting to the YMCA at some future determined date. The donor receives, in return, tax savings and a life income based on the valuation of the trust at the time the gift is made or based on the income earned by the trust.

Gifts of Retirement Plans
Many individuals are finding themselves with substantial retirement plan assets and no easy way to distribute those assets to their heirs through their estate. The taxation of retirement benefits can be very costly to your family. Giving retirement assets to the YMCA could, ultimately, benefit your estate by allowing more of your other assets to pass to an heir at a lower taxed rate.

Gifts by Life Insurance
Most people have life insurance. Did you know that you can make a planned gift to the YMCA through your life insurance? A gift of a paid-up policy or a portion of a policy can be an easy way to include the YMCA Endowment in your estate plans. The gift of ownership of a policy can result in a significant tax deduction for the donor.

Memorial Gifts

Give a gift to our YMCA in memory of a friend or loved one.

ENDOWMENT/HERITAGE CLUB

The Heritage Club is an organization of people who have shown their long-term interest and support of the Fox Valley Family YMCA by either a direct contribution to the Endowment Fund, or by including the YMCA in their estate plans. It is the commitment rather than the amount that is the basic factor in qualifying as a Heritage Club member.

Heritage Club Membership

An individual or couple is qualified for Heritage Club membership by any of the following:
1. An outright gift to the YMCA Endowment Fund of cash, securities,

property, or other
marketable assets.
2. Creation of a unitrust, annuity trust, gift annuity, pooled-income fund,

short-term trust
or other life estate program.
3. Naming the Fox Valley Family YMCA as the eventual recipient of a life

insurance policy,
qualified retirement plan, 401 (k), 403 (b), or IRA.
4. Naming the Fox Valley Family YMCA to receive a bequest in one's will.
5. Expressing intent to do any one of the foregoing at such time as

circumstances permit.

DO WELL WHILE
DOING GOOD
This article appeared in the April 15, 2007 edition of The Beacon News.
Ronald Helm is an attorney and a member of the Aurora Law Firm of Alschuler, Simantz & Hem, LLC.

Now is a great time to think about reducing your income tax liability for the current year. One way to do so is by increasing your charitable contributions.

As most of you are aware, gifts to charitable organizations are deductible for federal income tax purposes if you itemize deductions. Gifts of cash to most charities are deductible in an amount equal to 50 percent of your contribution base (generally your adjusted gross income) while gifts of appreciated property are generally deductible in an amount equal to 30 percent of your contribution base. If you make a gift that exceeds the amount that you can deduct the year of the gift, you are permitted to carry the unused charitable deduction forward for up to 5 years.

If you have marketable securities or real estate that have appreciated in value, it is generally preferable to donate these assets to a charitable organization rather than selling these assets and making a cash gift, because no long term capital gain is recognized on appreciated assets that are donated to a charity.

If you wish to benefit a charitable organization and, at the same time, increase your spend-able income, you should consider making a gift to that organization in exchange for receiving back guaranteed future payments for your life. This type of arrangement is called a Charitable Gift Annuity (CGA) and the rates for such an annuity (which are established by the American Council on Gift Annuities) are typically higher than you can earn on a conventional investment with comparable risk. For example, if you are 70 years of age, your rate for a Charitable Gift Annuity would be 6.5 percent per year and if you are 80 years of age your rate of return for a Charitable Gift Annuity would be 8 percent per year. This higher rate of return is in addition to your receiving a charitable deduction for a portion of your gift. In addition, if you transfer appreciated securities to a charitable organization in exchange for a Charitable Gift Annuity, typically you will be required to recognize only a portion of the capital gain from the transfer at the time the transfer is made.

Charitable Gift Annuities are a great giving vehicle to use for someone who wishes to make a gift less than $100,000 and receive back annuity payments for life.