Deferred Charitable Gift Annuities

Retirement planning to increase your income

Supporting CPMC through a deferred charitable gift annuity (DCGA) offers you outstanding benefits with high rates guaranteed for life. A DCGA is especially attractive to individuals who have reached maximum contribution levels on 401(k) plans or IRAs, yet still seek a tax-advantaged method of saving for retirement. In exchange for your irrevocable gift, CPMC Foundation will pay you (or one to two others) a fixed annual payment (annuity) for life, starting at a date of your choice.

Gift Calculator: Get Your Deferred Rate Now

Calculate your deferred annuity rate and benefits based on your age, deferral date and gift amount. It’s quick, secure and private, with no obligation to you (minimum age to establish: 45; minimum age to begin payments: 55; minimum contribution: $5,000).

Benefits

• Guaranteed income for life, beginning on date you choose


• High rates that never decline


• Portion of income is tax-free


• Current income-tax deduction


• Capital gains tax savings


• Estate tax savings


• No contribution limit


• No set-up costs, commissions, or annual fees


• Cash, stock, or real estate funded


• Community benefit — help CPMC help others

Sample Rates

These rates apply to one person and are based solely on age and the deferral period. Rates decline slightly for a two-life annuity.

Age	First Payment	Annual Rate
45	65	8.9%
58	63	5.3%
58	67	6.4%
60	65	5.5%
60	70	7.0%
65	70	6.0%

Deferred Planning Strategies

View more financial strategies and comparative rates and income.

Free Brochure, Personal Illustration

For a free brochure e-mail or call 415-600-2769 . For a personalized no-obligation illustration, please provide your date of birth, deferral date and gift amount.

Legacy Society

Please notify the Foundation if you have designated CPMC or CPMC Foundation as the beneficiary of your gift annuity or estate plan … and join the Legacy Society.

Personal Assistance

W. Gary Ogburn, J.D.
Director of Gift Planning
415-600-2410
ogburnwg@sutterhealth.org