Planned Giving

There are many ways to incorporate Community Enterprises into your financial and estate planning:

Gifts Anyone Can Afford

  • Wills and Bequests
  • Gifts of Retirement Plans
  • Gifts of Appreciated Securities
  • Gifts of Life Insurance
  • Cash or Credit Card Gifts
  • Automatic payroll and/or bank account deductions

Gifts That Pay You Income

  •  Charitable Gift Annuities
  • Deferred Gift Annuities
  • Charitable Remainder Annuity Trust 

Gifts That Protect Your Assets

  • Charitable Lead Trusts
  • Retained Life Estates

Gifts from Your IRA (Charitable IRA Rollover) for people who are over 70½

  • Gifts that satisfy your minimum required distributions
  • Gifts for those who do not itemize deductions
  • Gifts for those whose gifts equal 50% of your adjusted gross income

Descriptions of the various ways to give:


When you name Community Enterprises in your will as a recipient of a specific amount or percentage of your estate, you are making a gift in recognition and support of the services CE provides. A bequest can also serve as a gift that increases the value of your estate for your heirs, ensuring that your assets will get to them with significantly reduced gift and estate tax consequences.  If you have arranged for an estate gift to Community Enterprises through a will or other transfer document, please let us know. Click here to read about our new Albert Lognin Legacy Society.

Charitable Gift Annuity Program

This gifting option provides lifetime fixed annual income in exchange for a gift to Community Enterprises.  The minimum contribution required is $10,000 and income beneficiaries must be at least 65 years old when income payments begin. .

Matching Gifts

Many companies have matching gift programs which provide an important and simple way to enhance your charitable intentions.  To find out if your company offers a matching gift program, contact your human resources or benefits office at work.

Direct Transfer from your IRA

If you are 70½ or older, you can make a qualified charitable distribution as a rollover of up to $100,000 from an individual retirement account (IRA) directly to CE.  The donor benefits because the assets transferred are not taxable and excluded from the donor’s gross income for that year.

Gifts of Stock

Making a gift of appreciated securities benefits a donor in two ways:  the donor receives a charitable income tax deduction for the full fair market value of the securities and, at the same time, avoids capital gains taxes on the appreciated securities.  The gain is measured by the difference between the cost basis (the amount originally paid for the stock) and its current fair market value.

Life Insurance

Donating life insurance provides an opportunity to make a substantial gift with a very modest annual cost. There are several ways to make a gift of life insurance:

  • Purchasing a policy naming Community Enterprises as the beneficiary and ‘owner’ on your policy for all or a portion of the death benefit.
  • Giving an existing policy to Community Enterprises.
  • Naming Community Enterprises as beneficiary on your policy for all or a portion of the death benefit. 

Other Gifts

Gifts of property, artwork, jewelry and other valuables will also reduce gift and estate taxes.

Other Options

  • A gift of your retirement plan assets which would otherwise be subject to potential 'double taxation,' limiting their value to your heirs.

  • A Charitable Remainder Trust, providing lifetime income for you (or whomever you choose), income and estate tax savings, and the avoidance of capital gains taxes on highly appreciated property

  • A Charitable Lead Trust, an intergenerational wealth-transfer tool that enables you to both provide for your heirs and give to Community Enterprises – while also sharply reducing gift and estate taxes.

Please Remember

Planning your estate and legacy for future generations including your charitable interests takes careful evaluation. CE recommends that you consult with the appropriate professional advisors. Further, discussing your charitable intentions with us at CE will assure that your gift is used just as you wish. We can give you valuable information about any of our programs and services and the giving options mentioned in these planned giving pages.

Contact Information

For answers to your estate and gift planning questions, please contact Pamela Zagorski, VP/CFO or Dick Venne our President/CEO at 413.584.1460 to discuss your plans to support CE’s future through bequests and other charitable gifts.