Client Services

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Coastal Community Foundation recognizes three special advantages that your clients will receive through our partnership:

• Personalized service that integrates charitable giving with your client's personal interests.
• Local expertise through our Programs staff who monitor all areas of community need.
• Community leadership through our long-term investment in local issues and opportunities.

To help you approach charitable conversations, the following are typical scenarios and examples to lead your clients into the subject of philanthropy:

YEAR-END TAX PLANNING:
Your client wants to give a portion of a large bonus back to the community but lacks time to select the most deserving charities. Recommend a Donor-Advised fund for an immediate tax deduction and the opportunity to stay involved in making grant recommendations.

PRESERVING AN ESTATE:
Estate planning reveals that significant taxes will be going to the IRS, but your client wants to re-direct dollars for local benefit. Recommend a charitable bequest or other planned gift to your client's taxable estate that will invest in the local community forever, in your client's name.

RETIRING IN COMFORT:
Your client is concerned about having sufficient finances during his/her lifetime but has always been charitable. Recommend establishing a lifetime income gift (i.e. charitable remainder trust) that pays income for up to twenty years. After your client's death, the gift will support causes consistent with his/her charitable wishes.

PRIVATE FOUNDATIONS:
Your client is considering establishing a private foundation but desires a simpler alternative. Recommend establishing an affiliate foundation with its own autonomous board and grantmaking discretion. Coastal Community Foundation will manage the assets and provide expertise.

CLOSELY HELD STOCK:
Your client's personal net worth is primarily tied up in a closely held company, but he/she would like to give back to the community. Recommend a Donor-Advised fund or planned gift. Your client is eligible for a tax deduction measured by the fair market value of his or her appreciated stock (less any planned gift value).

SALE OR DISPOSITION OF HIGHLY APPRECIATED STOCK:
Your client wants to use a portion of appreciated stock gains for charitable giving, but his/her preferred charities are too small to accept direct stock gifts. Recommend creating a fund with the stock to receive a tax deduction on the full market value and avoid capital gains tax that would otherwise arise from its sale. Your client may then recommend grants from the fund to his/her favorite charities.

SALE OF A BUSINESS:
Your client owns highly appreciated stock in a company that is about to be acquired. Recommend a charitable or planned gift which will reduce your client's capital gains tax and benefit the community.

STRATEGIC GIVING:
Your client is passionate about a specific community need and wants to make a meaningful gift. Recommend a conversation together with our staff to learn about the organizations in your client's field of interest having the most impressive programs.

SUBSTANTIAL IRA/401(K) ASSETS:
Your client has substantial assets in retirement accounts and wants to leave his/her estate to family and the community. Recommend a conversation with our staff to determine the most beneficial asset distribution to minimize taxes, maximize gifts to heirs and preserve charitable intent.