Continue Supporting Lakota Children After Your Lifetime

Beneficiary Designations

Beneficiary designations are easy options for supporting the Lakota students attending St. Joseph's Indian School. Just name St. Joseph's Indian School as a beneficiary to receive assets such as retirement plans and life insurance policies after your lifetime. You simply fill out a form that is entirely separate from your Will, which means that your gift will not be part of your probate estate.

Not only is it an easy way to give, but it's also flexible — you aren't locked into the choices you make today. You can review and adjust beneficiary designations anytime you want.

Learn More

Want to learn more about making tax-wise gifts? Download our FREE guide, Beneficiary Designations: The 3 Easiest Ways to Leave Your Legacy.

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See How it Works

See How it Works

An Example of How it Works

Older couple smilingRobert and Carol treasure the financial help they've been able to give their children and St. Joseph’s Indian School over the years. Now that their kids are grown, Robert and Carol want to help children less fortunate than theirs. So they updated their Will to leave stocks and real estate to their kids. And they left St. Joseph’s Indian School a $75,000 IRA to be transferred after their death. Because St. Joseph’s Indian School is tax-exempt, all $75,000 will help care for and educate Lakota children.

If Robert and Carol had left the IRA to their own children, approximately $18,000* would have gone to pay federal income taxes — leaving only $57,000 for their family's use. Robert and Carol are happy knowing they are making the most of their hard-earned money thanks to their updated estate plan.

*Based on an assumption of a 24% marginal income tax bracket.

Learn How to Fund It

You can name us beneficiary of the following assets:

Delay Your Payments

If you are younger than 60 or don't need your payments immediately, you can set up a deferred gift annuity. This allows you to delay receiving payments until a later date — such as when you reach retirement. To learn more, view and download the FREE guide Plan for Retirement With a Deferred Gift Annuity.

smiling girl in a classroom

Next Steps

  1. Contact Denise Hyland at 1-800-584-9200 or dhyland@stjo.org for additional information on beneficiary designations and how they can help support St. Joseph’s Indian School educate Native American children.
  2. Talk to your financial or legal advisor to learn which assets will or will not trigger taxable income when paid to a beneficiary.
  3. If you name 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, Chamberlain, SD 57325-0100
Federal Tax ID: 46-0235912

Our Mission

St. Joseph’s Indian School, an apostolate of the Congregation of the Priests of the Sacred Heart, partners with Native American children and families to educate for life — mind, body, heart and spirit.

St. Joseph’s Indian School is a tax-exempt 501(c)(3) organization.

Privacy Policy | Planned Giving Disclaimer

1301 North Main Street
Chamberlain, SD 57325
1-800-341-2235
saintjosephs@stjo.org

© 2021 St. Joseph's Indian School

A charitable bequest is one or two sentences in your will or living trust that leave St. Joseph’s Indian School a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.  

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

"I give to St. Joseph’s Indian School, a nonprofit corporation currently located at P.O. Box 100, Chamberlain, SD 57325-0100, or its successor thereto, ______________ [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor-advised fund is an account you set up but is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much money (and how often) you want to distribute money from that fund to St. Joseph's Indian School or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset — such as real estate or stock — since its original purchase.

Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to St. Joseph’s Indian School as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to St. Joseph’s Indian School as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and St. Joseph’s Indian School where you agree to make a gift to St. Joseph’s Indian School and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.
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