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Charitable Remainder Trust (CRT)

When you begin to consider ways to preserve your estate for retirement, when you are faced with a windfall that will result in substantial taxes, when you need to find ways to pass your IRA or other qualified retirement plan on to others, you may want to consider establishing a charitable remainder trust with the B'nai B'rith Foundation of the U.S. A charitable remainder trust (CRT) is a deferred charitable gift that is designed to let you commit funds for B'nai B'rith in the future while preserving your financial security now. A CRT is irrevocable and is established under IRS regulations to provide substantial financial, tax and estate planning advantages.

Charitable Remainder Trust - Frequently Asked Questions (FAQs)

Q. Is it possible to contribute property to B'nai B'rith and still retain income from it for the rest of my life?

A. What you describe is known as a charitable remainder trust. You may make a gift of cash, securities, real estate, tangible personal property or certain other property interests to a charitable remainder trust for the future benefit of B'nai B'rith and for your present benefit. You can retain the right to a fixed annuity in a specific sum or as a percentage of the initial value of the gift - at least five percent - for your lifetime or for a term of up to 20 years. What is more, under the annuity the right to receive income may include a survivor as well. The payments are often at rates higher than were available for the property before contribution. Tax benefits from charitable remainder trusts include an income tax charitable deduction based on a portion of the value of the property or cash contributed to the trust. Other advantages are avoiding recognition of capital gain on the disposition of appreciated long-term assets and removing the value of the contributed property from your taxable estate.

Q. Is it difficult to establish a charitable remainder trust?

A. No. An experienced representative of B'nai B'rith will work with you and your professional advisors to help you establish a charitable remainder trust. What is more, you will be able to take advantage of two different types of charitable remainder trusts: An Annuity Trust pays an annual fixed amount of income of at least five percent of the value of the donated assets when contributed to the Trust. Once established and funded, there will be no adjustment to the annuity payments as a consequence of market conditions. A Unitrust pays a fixed percentage (also at least five percent) of the trust principal as revalued annually. When the trust principal grows, the payments grow proportionately to the stated rate as a hedge against inflation. Certain unitrusts may be appropriate to receive gifts of real estate in order to enable individuals to increase income productivity from this type of investment, avoid tax on the long-term capital gain and permit the trustee to the sale of the real estate to maximize its value to the beneficiaries of these unitrusts.

Q. Does a charitable remainder trust offer any other benefits?

A. Yes. You can generally achieve greater overall economic benefits by contributing an asset to a charitable remainder trust than by retaining it in the estate for distribution to heirs. Since you might have originally intended that the contributed asset go to your heirs, you can take advantage of the financial and tax benefits which result from the creation and operation of the trust and replace the value of the asset for your heirs, perhaps through the use of a life insurance product or deferred gift annuities. Often, your heirs will receive the life insurance proceeds, for example, as a replacement asset free of both gift and estate taxes, thereby receiving a distribution of greater value than had they inherited the property from you. This often enables a family to have a "win-win" result from the use of a charitable remainder trust.

Q. Can I use a charitable remainder trust as a planning vehicle to shield my retirement plan from the large amount of taxes to which it may be exposed at my death?

A: Yes, either as part of a plan during your lifetime or through a designation to take effect at the end of your lifetime. You can withdraw all or a portion of the plan after you reach the threshold age (59-1/2) and place the net amount (after taxes, which are partially offset by your charitable deduction) in a charitable remainder trust. The Trust will pay you income for the rest of your and your survivor's lifetimes, and you may choose to use this income to replace a substantial portion of the value of the assets withdrawn from the plan, thereby benefiting your heirs without estate and other taxes. You can also accomplish this by creating a testamentary charitable remainder trust, funding it with assets in your qualified retirement plan by designation, and, if your spouse is the beneficiary, generally avoiding both estate and income taxes.
Picture

Trudy Sivick

Contact Us

For more information about charitable remainder trusts, please contact the B'nai B'rith Foundation of the U.S. by phone (800-656-5561), by email plannedgiving@bnaibrith.org by mail at B'nai B'rith Foundation of the U.S., 1120 20th Street, N.W., Suite 300 N, Washington, D.C. 20036.

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1120 20th Street NW, Suite 300N
Washington, D.C. 20036

Phone: 202-857-6600
Privacy Policy 
Picture
  • About Us
    • 175th Anniversary
    • History of Service
    • 2021 Annual Report >
      • Financials
    • Presidents Book
    • Around the World >
      • Australia & New Zealand
      • Canada
      • Cuba
      • Europe
      • Israel
      • Latin America >
        • Argentina
        • Brazil
        • Chile, Bolivia and Peru >
          • Anti-Semitism Forum in Santiago 2019
        • Northern Latin America and the Caribbean
        • Organization of American States (OAS)
        • Uruguay and Paraguay
      • South Africa
      • United States >
        • Allegheny/Ohio Valley
        • Atlanta, Georgia
        • Chesapeake Bay
        • Colorado
        • Evergreen
        • Golden Pacific
        • Great Lakes >
          • B'nai B'rith Great Lakes Scholarship Program
        • Greater Florida
        • Kentucky
        • Liberty
        • MetroNorth
        • Midwest
        • New England
        • North Central
        • Southern California
        • Omaha, Nebraska
        • Southern Communities
        • St. Louis, Missouri
        • Texarkoma
        • Tri-State
    • Departments & Careers
    • 2021 National Healthcare Award Dinner
    • 2021 Leadership Forum Program
    • Leadership
    • Programs >
      • For Communities >
        • Project H.O.P.E.
      • For Culture and Education >
        • Unto Every Person
        • Center For Jewish Identity
        • Enlighten America
        • Museum and Archives >
          • B'nai B'rith Klutznick National Jewish Museum® Collection
          • Holocaust Art Resource List
          • Palestine Mandate Coins
        • Smarter Kids - Safer Kids
      • For Kids >
        • B'nai B'rith Cares for Kids
        • Diverse Minds
    • Senior Staff
    • B'nai B'rith Connect >
      • Connect Newsletters
      • Past Connect Events
    • Privacy Policy
  • Global Advocacy
    • Take Action!
    • Anti-Semitism / None Shall Be Afraid >
      • About None Shall Be Afraid
      • B'nai B'rith on the Front Lines
      • Resources
      • Online Anti-Semitism: A Toolkit for Civil Society
      • NSBA Essay Contest
      • Take Our Pledge
    • AJIRI-BBI
    • DURBAN AT 20
    • IMPACT: Emerging Leaders Fellowship
    • Intercommunal Affairs
    • Tolerance and Diversity
    • Canada
    • Europe
    • Israel and The Middle East
    • Latin America
    • United Kingdom
    • United Nations
    • United States
  • Israel
    • World Center – Jerusalem
    • Israel and the Middle East
    • Israel Emergency Fund
    • Fighting BDS
    • History in Israel
    • Center Stage 2021
    • Previous Center Stage Editions
    • Jewish Rescuers Citation >
      • Jewish Rescue
  • Seniors
    • CSS Response to COVID-19
    • Virtual Trainings
    • CSS Advocacy
    • 50 Years of Senior Housing
    • B'nai B'rith Senior Housing Network Timeline >
      • Wilkes-Barre
      • Harrisburg, Pa.
      • St. Louis, Mo.
      • Reading, Pa.
      • Silver Spring, Md.
      • Allentown, Pa.
      • Peoria, Ill.
      • Houston, Texas
      • Claymont, Del.
      • Pasadena, Texas
      • Boston, Mass.
      • Hot Springs, Ark.
      • Queens, N.Y.
      • Scranton, Pa.
      • Fort Worth, Texas
      • Deerfield Beach, Fla.
      • Sheboygan, Wis.
      • Schenectady, N.Y.
      • South Orange, N.J.
      • Bronx, N.Y.
      • Tuscon, Ariz. - B'nai B'rith Covenant House
      • Marlton, N.J.
      • Los Angeles, Calif.
      • New Haven, Conn.
      • Chesilhurst, N.J.
      • Tucson, Ariz. - Gerd & Inge Strauss B'nai B'rith Manor on Pantano
      • Dothan, Ala.
      • Sudbury, Mass.
    • CSS Staff Bios
    • B'nai B'rith Resident Leadership Retreat
    • CSS Puerto Rico Meeting 2019
    • Housing Locations
    • Seniority Report Newsletter
  • Humanitarian Aid
    • Community Support
    • Cuba Relief >
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      • Get Involved
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      • Where We Work
      • Cuba History
    • Disaster Relief >
      • Africa
      • Asia
      • Haiti
      • Latin America
      • United States >
        • SBP-New York Thanks B'nai B'rith Disaster Relief
  • News & Media
    • B'nai B'rith Impact Spring 2022
    • B'nai B'rith Magazine >
      • 2021 Winter B'nai B'rith Magazine
      • Magazine Archives
      • Past Magazine Articles
    • Expert Analysis >
      • Policy and Advocacy
      • Israel
      • Seniors
      • Jewish Identity
      • Community Action
    • In the News
    • Sign Up For B'nai B'rith Email Newsletters
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    • Webinars and Conversations
    • Zero.Dot.Two Initiative
  • Partner with Us
    • B'nai B'rith Today
    • Give to B'nai B'rith
    • Membership
    • Planned Giving & Endowments >
      • Bequests
      • Charitable Gift Annuities
      • Charitable Remainder Trust (CRT)
      • Donor Testimonials
    • Giving >
      • Donate Stock
      • Foundations & Corporate Giving
      • Tribute Cards
      • Shop AmazonSmile
      • Purchase B'nai B'rith Apparel
    • Disaster Relief
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    • Contact Form
  • B'nai B'rith Extra
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