When you give appreciated securities to Cedarbrook, you’re leveraging your tax benefits for Kingdom development.

Donors may deduct the fair market value of the securities while avoiding tax on the appreciated gain. In short, donors may claim both the security and its appreciation as a charitable contribution income tax deduction without incurring a capital gains tax. Consult with your financial and/or tax advisor to analyze your particular situation and confirm tax benefits.

The deduction is based on the fair market value of the securities on the date they are owned by the church (typically, this is the date the securities are deposited into the church’s brokerage account). Cedarbrook’s policy is to immediately sell the securities received and then use the net proceeds for the designated charitable purpose of the gift.

For further instructions on how to give through stocks, bonds and other marketable securities, email info@cedarbrook.org or call (301) 528-6702.

If you are over 70-1/2 years old, then you may distribute directly from your IRA to Cedarbrook up to $100,000 per year and exclude the contributed amount from your gross income for tax purposes. This amount can be counted towards the IRA’s annual required minimum distribution. Consult with your financial and/or tax advisor to analyze your particular situation and confirm tax benefits.

You may designate Cedarbrook Community Church to receive all or a portion of your estate after your lifetime. This type of giving may be accomplished through:

Will or Trust

You can name Cedarbrook Community Church in your will or trust as a beneficiary, and your estate may receive an income tax deduction for the value of your bequest. Consult with your estate planning attorney and your financial and/or tax advisor to analyze your particular situation and confirm benefits. You can also learn more by speaking with a member of our Board of Directors.

Retirement Accounts

You can name Cedarbrook Community Church as a beneficiary of your IRA, 401(k), or other qualified retirement plans. Any amounts remaining in your plan, free of income and estate tax, will transfer to Cedarbrook. Consult with your financial and/or tax advisor to analyze your particular situation and confirm tax benefits.

Life Insurance

You can simply name Cedarbrook Community Church as beneficiary of part or all of your life insurance policy. You can also choose to make the Cedarbrook the owner of a life insurance policy that is no longer needed. When Cedarbrook is made owner, you may receive a tax deduction for the amount of premiums you continue paying each year. If the policy is whole life, you may receive an immediate tax deduction for the cash value amount. Consult with your financial and/or tax advisor to analyze your particular situation and confirm tax benefits.

If you’d like to discuss a possible gift of real estate, a trust or retirement account, credit card rewards points or airline miles, or another unique gift, please contact us at info@cedarbrook.org or (301) 528-6702 to speak with a member of our Board of Directors.

A cryptocurrency gift is another way to give to Cedarbrook. Because donating cryptocurrency is a non-taxable event, you don't owe capital gains tax on the appreciated amount and you can deduct it from your taxes. Because it’s a non-cash donation, it will not appear on your regular end-of-year giving statement. Instead, you will receive a separate letter acknowledging your gift(s) for tax purposes.

Consult with your financial and/or tax advisor to analyze your particular situation and confirm tax benefits. Please contact us at info@cedarbrook.org or (301) 528-6702 to speak with a member of our Board of Directors for more information.

Planned gifts have the unparalleled potential to increase the Cedarbrook’s ability to be a disciple-making, missional church that fuels a gospel-centered church-planting movement in the Baltimore-Washington DC metro area and to unreached people groups globally.

Sharing these plans today with Cedarbrook opens the door for the opportunities to:

· Create a plan for your gift that fulfills your personal intentions and objectives;

· Designate Cedarbrook’s use of your gift;

· Maximize the impact of your gift; and

· Honor your benefaction during your lifetime

To learn more about the ways you can make a planned gift or receive financial and tax benefits contact us at info@cedarbrook.org or call (301) 528-6702 to speak with a member of our Board of Directors.