Advisors

Studies show there is a real psychological benefit to philanthropy – it gives us a feeling of value and satisfaction.  It feeds our desire to make a difference in our community.  Many people who are making estate plans are also thinking about how they will be remembered after they are gone.

Four County Community Foundation can provide your clients with a simple, compelling and decidedly personal approach to giving.  We offer a variety of giving tools to help individuals achieve their charitable goals. Gifts of cash, stocks, bonds, real estate, or other assets can be given to your community foundation.  Most charitable gifts to 4CCF are eligible for federal tax deductions.

You may be looking for a way to make a significant gift to help further our mission.  A bequest is a gift made through your will or trust.  It is one of the most popular and flexible ways that you can support our cause.  (Link to bequest language)

Four County Community Foundation gives your clients a unique giving experience, tailored to suit his or her situation and objectives.  We have many resources to assist you in working with your clients on charitable gifts to the foundation.

Some people make a gift to our Four County Community Fund or other existing fund, while others create a new fund to support the causes that meet their interests.  We offer many types of funds and provide the tools you need to assist your clients with their charitable activities.  An endowed gift assures your clients that their donation will benefit the community for good, forever! For more information, please contact Janet at 810-798-0909 or [email protected].

Advisor's Circle

Professional advisors who have helped work on a major gift with their clients are recognized as members of Four County Community Foundation’s Advisor’s Circle. Advisors with a number after their name have worked on multiple gifts. We thank you on behalf of our communities!

  • Shane Diehl
  • Sebastian V. Grassi
  • Cynthia Lane
  • Ed Lynch (3)
  • Henry Malburg (2)
  • Sean O’Bryan (6)
  • Barb Quain
  • Ronald W. Rickard (4)
Why Work With Us

Is giving through a community foundation right for your clients?

Seven questions for estate and financial advisors.

  1. Do I have clients who care deeply about their local community?
  2. Do they give to more than one charitable cause?
  3. Are they interested in creating a personal or family legacy in their community?
  4. Are they considering the creation of a private foundation, but concerned about cost and administrative complexity?
  5. Would they like to stay personally involved in the use of their gift dollars?
  6. Do they want to receive maximum tax benefit for their charitable contributions under federal law?
  7. Do they place a priority on sound financial management of their contributions?

If you answered yes to any of these questions, your clients would benefit from knowing more about Four County Community Foundation. We’d be happy to help you make an introduction.

Listening for Charitable Opportunities

Helping your clients achieve their charitable goals

Planning charitable giving.

Many clients want their professional advisors to help them plan charitable giving. Four County Community Foundation can work with you to answer these questions and help each client fulfill his/her charitable goals.

  • What are your client’s personal motivations for charitable giving?
  • What are your client’s charitable interests in the community?
  • What are your client’s priorities when focusing on a few areas may make the greatest impact?
  • What level of involvement does your client want to have in identifying charitable uses for his/her gift?
  • What type of giving instrument best fits your client’s financial situation and tax status?

Philanthropy is a very personal decision. A professional advisor can help clients realize their charitable objectives by listening for charitable giving opportunities, explaining options, and suggesting solutions. Significant giving opportunities often arise when clients are making major business, personal, and financial decisions. Our staff can work with you and your client to recommend the best charitable solution. Following are some typical scenarios:

Year-end tax planning

Your client just earned a large bonus and wants to give a portion back to the community, but has no time to decide on the most deserving charities. Recommend establishing a Donor Advised Fund through their community foundation for an immediate tax deduction, and the ability to stay involved in recommending uses for the gift for years to come.

Preserving an estate

Estate planning identifies significant taxes going to the IRS, but your client wants to direct dollars for local benefit. The community foundation can work with you and your client to reduce his/her taxable estate through a charitable bequest or other planned gift. Your client’s gift will create a legacy of caring in the community that stays true to his/her charitable intent forever.

Retiring in comfort

Your client is concerned about running out of money during his/her lifetime, but has always been charitable. Recommend establishing a life income gift (such as a charitable remainder trust) at their community foundation that pays income potentially for life. Upon your client’s death, the gift can be distributed by the community foundation in accordance with his/her charitable interests.

For more information, download the following:

Establishing a private foundation

Your client is thinking about establishing a private foundation, but is looking for a simpler, more cost-efficient alternative. The community foundation can help you and your client analyze the pros and cons of creating a Donor Advised Fund, a supporting organization, or a private foundation.

Closely held stock

Your client’s personal net worth is primarily tied up in a closely held company, but it’s important for him/her to give back to the community. Recommend establishing a Donor Advised Fund or planned gift; your client is eligible for a tax deduction measured by the fair market value of appreciated stock (less any planned gift value).

Sale or disposition of highly appreciated stock

Your client has appreciated stock and wants to use a portion of the gains for charitable giving, but the identified charities are too small to accept direct stock gifts. Suggest establishing a fund at a community foundation with a gift of appreciated stock. Your client receives a tax deduction on the full market value, while avoiding the capital gains tax that would otherwise arise from sale of the stock. Your client can even be involved in recommending uses for the gift, including the organizations and programs he/she cares about most.

Sale of a business

Your client owns highly appreciated stock in a company that is about to be acquired. The community foundation can work with you to suggest several ways to structure a charitable gift (including the use of planned giving techniques) to help your client reduce capital gains tax and maximize impact to the community.

Strategic giving

Your client is passionate about helping meet a specific community need and wants to make a meaningful gift. You and your client can work with our grantmaking experts to understand community needs and programs and then direct gift dollars to make the greatest impact.

Substantial IRA/401(k) assets

Your client wants to leave his/her estate to community and family, and has substantial assets in retirement accounts. The community foundation can help you and your clients evaluate the most beneficial asset distribution to minimize taxes, giving more to his/her heirs and preserving charitable intent.