Charitable Lead Trust

Protect Your Assets

If you want to make an impact now at St. Joseph’s Indian School and also provide for your family later, consider setting up a charitable lead trust. You transfer cash or other assets to a trust that makes payments to St. Joseph’s Indian School for a period of time. When the term is up, the remaining trust passes to your family or other beneficiaries you select.

There are two ways that charitable lead trusts make payments to St. Joseph’s Indian School:

A charitable lead annuity trust pays a fixed amount each year to St. Joseph’s Indian School and is more attractive when interest rates are low.

A charitable lead unitrust pays a variable amount each year to St. Joseph’s Indian School based on the value of the assets in the trust. With a unitrust, if the trust's assets go up in value, for example, the payments to St. Joseph’s Indian School go up as well.

Discover More

See which type of charitable trust best fits your estate plan with the FREE guide Trusts: Choose From Two Ways to Donate.

An Example of How It Works

Father smiling with children George would like to support St. Joseph’s Indian School and receive tax benefits. George received a windfall amount of income and needs a large income tax deduction to offset the income. Following his advisor’s recommendation, George funds a grantor charitable lead annuity trust with assets valued at $1,000,000. George’s trust pays $60,000 (6% of the initial fair market value) to St. Joseph’s Indian School each year for 15 years, which will total $900,000. After that, the balance in the trust reverts back to George. He receives an income tax charitable deduction of $614,445. Assuming the trust earns an average 8% annual rate of return, George receives approximately $1,600,286 at the end of the trust term.

*Based on a 5.2% charitable midterm federal rate. Deductions and calculations will vary depending on your personal circumstances.

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SJIS minimum age for a one-life CGA is 50 and 54 for a two-life CGA. Please contact our planned giving office with any questions you may have.
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Next Steps

  1. Contact Denise Hyland at 1-800-584-9200 or dhyland@stjo.org to talk about supporting St. Joseph’s Indian School by setting up a charitable lead trust.
  2. Seek the advice of your financial or legal advisor.
  3. If you include St. Joseph’s Indian School in your plans, please use our legal name and federal tax ID.

Legal name: St. Joseph's Indian School
Address: P.O. Box 100, 1301 N. Main St., Chamberlain, SD 57325-0100
Federal tax ID number: 46-0235912