Time, talent and treasure

 Your gift of stock or mutual fund share to St. Croix Valley Habitat benefits you too:

• Relief from capital gains taxes
• A charitable income tax deduction
• The satisfaction of knowing that you are helping hard-working families find safe, affordable housing

The easiest way to make a gift of stock is through electronic transfer. 

Contact our broker to initiate your gift:

National Financial Services, Thrivent Investment Rep John Levi: 715-425-2056
DTC Number: 0226
Account Number: TY9-138810
Federal Tax ID: 39-1857467

 You can leave a lasting legacy to local families who want to build better lives for themselves and their children by including St. Croix Valley Habitat for Humanity in your estate plans.  Here are just some ways::

• Bequest in your will or revocable trust
• Gift of life insurance naming St. Croix Valley Habitat for Humanity as the beneficiary
• Gift of retirement benefits such as an IRA, 401K or 403(b)
• Gift of a title to real estate property
• Charitable gift annuity
• Charitable remainder trust.
• Many people have life insurance policies that they originally took out to protect mortgages that have since been paid or educational plans that have been completed.  Such policies make excellent charitable gifts.  Alternatively, you may decide to assure a large gift by purchasing a new insurance policy.  If you name St. Croix Valley Habitat for Humanity as the irrevocable owner and beneficiary, the premiums are tax deductible.

Talk with your financial adviser or attorney to consider the best option for you.

 A gift of real estate offers you the opportunity to make a significant charitable contribution with a tax-friendly outcome. There are several ways to donate real estate.

1. Outright Gift: An outright gift may be the simplest solution if you own property that is not mortgaged, has appreciated in value and that you no longer need or use. You can deduct the fair market value of your gift and avoid capital gains taxes. 
2. Retained life estate: You can transfer the deed of your personal residence or farm and keep the right to use the property for your lifetime. You will receive a current charitable deduction in an amount based upon your and your spouse’s life expectancy and the value of the property.
3. Bargain sale: A bargain sale can generate a gift that is less than the full fair market value of the property. The difference between the sale price and the fair market value is your charitable deduction. 

St. Croix Valley Habitat for Humanity welcomes donations of foreclosed property, vacant land, homes, townhomes and more.