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  • 1.  severed CGA/CRT/CRUT (early termination)

    Posted 06-04-2024 12:39 PM

    Good Afternoon,

    I was looking to find out how institutions are dealing with severed CGA/CRT/CRUT (early termination).  
    The following questions came up with this type of scenario: 
    • Is this an additional IRS deduction to the donor? If so how is it getting receipted? 
    • Is the value of annuity interest or trust income interest getting counted as a new gift? If it is counted as a new gift, how is this processed since the original CGA/CRT/CRUT was recorded when established? 
    • Would this affect how the original transaction was recorded at the time it was established (revenue, liability, and cash)?
    I appreciate your input.
    Thanks,
    Oscar Pena
    Boston College 


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    Blair Pekala
    Boston College
    uagifts@bc.edu
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  • 2.  RE: severed CGA/CRT/CRUT (early termination)

    Posted 06-04-2024 12:56 PM
    Early termination will result in a new, additional gift. Your planned giving officer should be able to run the calculation using your PG software.

    You don't need to change the original gift. This new gift is an outright gift and stands alone. However, you will need to work with the Business Office to ensure the proper booking on their end, as there will not be any new cash deposited on your end.

    John

    John H. Taylor, Principal
    John H. Taylor Consulting, LLC
    2604 Sevier Street
    Durham, NC     27705

    919.816.5903 (cell/text)

    Serving the Advancement Community Since 1987






  • 3.  RE: severed CGA/CRT/CRUT (early termination)

    Posted 06-04-2024 01:02 PM
    Here's a good reference guide for early terminations of CGA's: https://info.pgcalc.com/gift-annuity-voluntary-termination

    John

    John H. Taylor, Principal
    John H. Taylor Consulting, LLC
    2604 Sevier Street
    Durham, NC     27705

    919.816.5903 (cell/text)

    Serving the Advancement Community Since 1987







  • 4.  RE: severed CGA/CRT/CRUT (early termination)

    Posted 06-20-2024 02:01 PM

    This is a great resource, thank you.

    One question: would you provide soft credit for the earnings from the CGA? We have a $50K CGA that has a value of $83K that is being voluntarily terminated. 



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    Jeff Baynham
    NC State University
    jtbaynha@ncsu.edu
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  • 5.  RE: severed CGA/CRT/CRUT (early termination)

    Posted 06-20-2024 02:06 PM
    How and when you assign soft credit is an institutional decision. I'd be careful to not double count what had previously been counted. But you likely can calculate the face value of the "additional" gift generating a new deduction. That might be worth soft-crediting.

    John

    John H. Taylor, Principal
    John H. Taylor Consulting, LLC
    2604 Sevier Street
    Durham, NC     27705

    919.816.5903 (cell/text)

    Serving the Advancement Community Since 1987







  • 6.  RE: severed CGA/CRT/CRUT (early termination)

    Posted 06-20-2024 02:14 PM

    That is exactly what I was going to do, subtract the face value of the CGA we soft credited previously.  Thanks, John. 



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    Jeff Baynham
    NC State University
    jtbaynha@ncsu.edu
    ------------------------------