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.


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

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.

A donor 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 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.

IRA Rollover

The IRA Charitable Rollover permits those taxpayers to make donations directly to charitable organizations like Serving Seniors from their IRAs without counting them as part of their AGI and, consequently, without paying taxes on them.

A donor’s total combined charitable IRA rollover contributions cannot exceed $100,000 in any one year. Distributions can only be made from traditional Individual Retirement Accounts or Roth IRAs. Distributions must be made directly from the IRA trustee payable to Serving Seniors.

IRA and Life Insurance Policies

Gifts of IRA or life insurance policies can be made by completing a designation (or change) of beneficiary form that your plan manager or insurance company provides.

You can designate Serving Seniors to receive any remaining assets on your individual retirement account (IRA) or other retirement plans while maintaining complete access to your retirement 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 gift planning options impact their personal 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.

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.