Planned Giving

Planning a gift to the Michigan Masonic Charitable Foundation or your Lodge Charity Account is a beautiful way to leave a legacy. Whether giving through personal bequest (i.e. will or trust), designating the organization as a beneficiary or setting up a charitable remainder trust, we have multiple options available for you to easily plan your gift.

How do you want to leave a legacy?

Planned Giving Assistance Form

A will, bequest or living trust is an easy and popular way to ensure your charitable legacy has an impact. By leaving a bequest or gift in your will, you retain full control of your property and assets through your entire life, and you have the flexibility to change the terms of your gift in case your life circumstances change simply by updating your will or trust.

To make a bequest, you simply need to include language in your will that direct the portion of your estate or assets you wish to give to us. Your options are remarkably flexible, as you can designate:

  • A fixed amount (such as $10,000)
  • A specific asset (such as held securities, or owned real estate)
  • A percentage of your total estate (such as 20% of your total estate)
  • The remainder of your estate after you have provided for your other beneficiaries
  • And many other arrangements and options are possible as well. You can also designate that your bequest gift be directed to areas of greatest need with unrestricted use, or you can designate your gift to support the program or area that is most important to you.

You can name the Michigan Masonic Charitable Foundation as the beneficiary of your life insurance policy or retirement plans. Its as simple as filling out a form from your insurer or financial advisor.

Designating us as a beneficiary is also flexible–you can designate us as the sole beneficiary or a share among others, and you can change your designations or terms at any time.

If you have a traditional Individual Retirement Account (IRA) and are 70 ½ years old or older, you can make a gift to the Michigan Masonic Charitable Foundation directly from your IRA and take advantage of potential tax benefits in return.

Once you turn 70 ½, the IRS requires you to take a required minimum distribution (RMD) from your IRA, whether you need that income or not. If you do not take your RMD, you are penalized up to 50% of the amount of that RMD; if you do take the distribution, you pay your normal income tax rates on it. However, the IRS allows you to have your IRA pay your RMD, or any amount up to $100,000 to a qualifying charity like the Michigan Masonic Charitable Foundation and you pay no penalties or income taxes on the gift.

A direct rollover from an IRA is an exceptionally flexible way to help support your Masonic family through the MMCF:

  • You can make a charitable rollover gift from an IRA that you have already designated the MMCF as the beneficiary of. Your rollover gift ensures that you maximize your legacy of giving by avoiding taxes or penalties.
  • Although a charitable rollover must come from a traditional IRA, you may be able to convert assets from a pension, profit sharing, or other retirement plan into an IRA to realize the charitable and tax benefits available. You will want to discuss this with your plan administrator, financial advisor or attorney.
  • You may divide your charitable rollovers among any qualifying charitable organizations, as long as the total charitable rollover for the year does not exceed $100,000.
  • If your spouse also has an IRA and is 70 ½ years old or older, he or she can also make a charitable rollover of up to $100,000 from their IRA.

Making a memorial or tribute gift can be a wonderful way to commemorate significant milestones such as birthdays, holidays & weddings as well as making an impact on the lives of Masons, their loved ones and their communities.

You can create a memorial gift with cash, securities, real estate or other personal property. A letter will be sent to your honoree or their family, indicating that a gift has been made in the individual’s honor or memory.

Contact our office at (800) 994-7400 to arrange for a memorial gift in honor of your loved one.

Too often, donors fear they must choose between helping our philanthropic mission and their financial security. One way to have the best of both worlds is by setting up a charitable gift annuity, which will help support the critical programs of Michigan Masons and provide you with a lifetime stream of income.

A charitable gift annuity is an agreement between you and the Michigan Masonic Charitable Foundation. We agree to pay you fixed payments for your life (and/or the life of your chosen beneficiary), which is based on the size of your gift and your age at the time of the gift.

Needing only a modest contribution, a charitable gift annuity can be funded with cash or marketable securities. You qualify for an immediate income tax deduction for the gift (subject to certain limitations).

If you are 60 or younger, don’t need payments immediately, or are in a highly compensated position where you regularly max out your retirement contributions, you may want to consider a deferred gift annuity. This type of annuity lets you make a contribution now, but receive payments at a time you specify, such as upon retirement.

If you have built a sizeable estate during your career and wish to use that to make a significant and life-changing gift to the Michigan Masonic Charitable Foundation, you may want to consider setting up a charitable remainder trust.

A charitable remainder trust provides you and other named individuals, such as your spouse or children, with income payments for up to 20 years, based on the assets you place in the trust. At the end of the trust period, whatever is remaining in the trust is left with the Michigan Masonic Charitable Foundation.

There are two types of charitable remainder trusts:

  • An annuity trust pays you the same dollar amount annually that you choose from the start. The payments stay the same, regardless of the performance of the trust investments.
  • A unitrust pays you a variable amount annually based on a fixed percentage of the fair market value of the trust assets. The amount of your payments is redetermined each year. If the value of your trust investments increase, so do your payments; but likewise if the value decreases, your payments decrease as well.

A charitable remainder trust can be set up and funded using cash, securities, retirement plan assets or real estate.

You work your entire life to ensure that your family is taken care of and enjoys the fruits of your career. You also know the importance of supporting Michigan Masons and ensuring that your brothers and their families will always have the help and resources they need.

A charitable lead trust is a way you can ensure your assets pass on to your family and can also be used to provide payments to the Michigan Masonic Charitable Foundation to support our philanthropic goals.

A charitable lead trust works like this: you place assets into a trust for a period of time of your choosing. The Michigan Masonic Charitable Foundation receives payments throughout the life of the trust. At the end of the trust period, your assets revert back to you.

Charitable lead trusts are excellent ways to make an impact if you receive a windfall income or distribution and want to both make an impact as well as make a large income tax deduction.

There are two types of charitable lead trusts:

  • An annuity trust makes fixed payments each year out of the assets of the trust.
  • A unitrust pays a variable amount each year, based on the value of the assets in the trust. If the trust increases in value, the payments increase as well. If the value decreases, the payments decrease.

Charitable lead trusts also carry numerous tax benefits, and can be funded with cash, appreciated securities, closely held stock or real estate.

The Michigan Masonic Legacy Society is made up of committed individuals who have placed the Michigan Masonic Charitable Foundation in their will or estate plan. The society, created by the Grand Lodge of Free and Accepted Masons of Michigan in 2000, welcomes all Brothers, sisters, and friends of Masonry to participate.

Upon joining the Society, members receive an introductory membership kit that includes a certificate of membership and a lapel pin. In addition, Michigan Masonic Legacy Society members are honored at an annual black-tie dinner where members have the opportunity to meet one another and celebrate their commitment to leaving a personal, lasting impression in a bequest that will help secure the future of Michigan Masons for generations to come.

To date, more than 800 people have made a planned gift commitment to the Foundation, and realized gifts have provided millions of dollars to help empower Michigan Masons to change lives through charity.

Join the Michigan Masonic Legacy Society

We appreciate the work that professional legal and financial advisors do to ensure their clients receive the best care and support. We share the same values of integrity, professionalism and honesty as you do when it comes to helping our donors see, plan and realize their philanthropic goals through the Michigan Masonic Charitable Foundation.

We would be happy to work with you and your clients to find the best charitable arrangements that best meet their financial and estate needs. Gift planning is a collaborative process that involves the donor, our gift planning staff and professional advisors. Please contact us if you need any more information or assistance.

Legal Name: Michigan Masonic Charitable Foundation
Address: 1200 Wright Ave., Alma, MI 48801
Phone: (800) 944-7400
EIN: 38-3266089

Make a Gift Today

To support these programs and other Masonic initiatives, please consider donating to the Michigan Masonic Charitable Foundation today.

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