Thank you for considering Serving Seniors in your planned giving! By including Serving Seniors in your estate and financial planning, you’ll play a key role in securing the future of the organization; your gift will ensure that we’re able to continue providing exceptional care and support services for seniors in need.


Gifts of Stock

Giving a gift of publicly traded, appreciated stock is an easy, meaningful way to support Serving Seniors. If you’ve owned your stock shares for more than one year, you’re eligible for tax benefits upon transfer of shares: you can claim a charitable income tax deduction equal to the stock’s value at time of transfer, regardless of original cost, and you’re exempt from paying capital gains tax on the increase in value, which you’d pay if you sold the stock instead of transferring ownership.

To transfer a gift of stock to Serving Seniors, please provide your broker with this information:

Serving Seniors’ Broker: Charles Schwab
Account Name: Serving Seniors Cash Reserves
Account Number: 9199-5187
DTC Number: 0164
Serving Seniors’ Tax ID: 95-2850121

Please notify Lori Gremel of your intent to make a gift of stock, so that we can acknowledge your gift and provide you with information for your tax return.

Lori Gremel, Chief Development and External Affairs Officer: or 619-487-0608.



By naming Serving Seniors in your will as a beneficiary of your estate, you help ensure that low-income seniors in San Diego continue to receive the compassionate care and high quality services they need. Charitable bequests also reduce the size of your taxable estate, resulting in potential estate tax savings.


IRA Rollovers

Taxpayers age 70 ½ or older may transfer up to $100,000 annually from their IRA account directly to charity without first having to recognize the distribution as income; this means you avoid paying income tax on the distributed amount. If you’re required to take a minimum distribution from your plan but don’t need the money for living expenses, consider donating it instead.

Please contact your IRA administrator for information and forms, and let us know of your intent by contacting Lori Gremel, Chief Development and External Affairs Officer: or 619-487-0608.


Retirement Plans and Life Insurance Policies

You can designate Serving Seniors as the beneficiary of assets on your retirement plan or life insurance policies while maintaining complete access to your plan assets during your lifetime. Contact the custodian of your retirement account to update the beneficiary designations information. Donors are encouraged to consult their tax advisor or financial planner to determine how these options impact their finances.


Securities Transfer

An outright gift of securities has an immediate impact on Serving Seniors. Gifts of marketable, long-term appreciated securities allow you to save taxes in two ways: you receive a charitable gift deduction and avoid all capital gains taxes. Direct transfers can be made by completing the Letter of Instruction for Share Transfer for your broker.


Charitable Gift Annuities

The benefits of charitable gift annuities include an immediate charitable tax deduction and an avoidance of capital gains tax on the gift portion of the annuity, with the remaining capital gains tax spread over the donor’s life expectancy. Regular guaranteed income is paid to the donor; a portion of the income stream may be tax-free.

You can fund a charitable gift annuity with cash or appreciated securities to form an irrevocable contract, with the remainder transferred to Serving Seniors’ endowment fund upon the death of last beneficiary.


Endowment Gifts

A gift for endowment demonstrates your enduring commitment to Serving Seniors. It is maintained in perpetuity and only the interest income is spent for the purposes specified by the donor. An endowment fund, which typically bears the name of the donor(s), reflects your interests and serves as a testament to your generosity for years to come.


How to Notify Serving Seniors of Your Intentions

Complete the Legacy Circle Letter of Intent and mail it to:

Lori Gremel, Chief Development and External Affairs Officer
Serving Seniors
525 14th Street, Suite 200
San Diego, CA 92101

If you have questions or would like more information, please call Lori Gremel: 619-487-0608.