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Ways You Can Give

Strategies of Giving Under the SECURE Act

The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) is a far-reaching bill that includes significant provisions aimed at increasing access to tax-advantaged accounts and preventing older Americans from outliving their assets.

Below are just a few of the changes that can affect gifts through retirement plans:

  1. The RMD (Required Minimum Distribution) age is now 73. However, you can still make a Qualified Charitable Distribution (QCD) at 70½ .
  2. Heirs now have only 10 years to take Required Minimum Distributions. This means the government will get their taxes much sooner. Now's a good time for a thorough tax review by an expert. In some cases, it might make sense to open a charitable remainder unitrust to maximize legacy benefits.

Retirement plans are taxed at ordinary income rates when left to heirs, but there's zero-tax when you donate such assets to Operation Mobilization. So, retirement assets are best left to charity, while less heavily taxed assets (like appreciated securities) are better to leave to heirs.

Therefore, if you're considering a gift, consider making it through your retirement plan or a "tax free" gift though a Qualified Charitable Distribution (QCD, or the IRA Rollover), and leave less taxed assets, such as appreciated securities, to the ones you love.


Need Help or Other Questions?

Please contact us at Info.us@om.org or by calling at 1-770-631-0432 (8:30am – 4:30pm Eastern).

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Make donations of Stock Shares

  • Make donations of Stock Shares
    Operation Mobilization USA (OM) is happy to receive gifts of stock shares of publicly traded companies. In order to do this, please instruct your broker to transfer the shares to OM’s broker as follows:
    Wells Fargo Advisors DTC # 0141
    Account # 4181-5468
    Phone: 503-603-2141
    Broker: W. Todd Frye
    OM's Tax ID: 22-2513811
    OM will send you a letter acknowledging your gift, including the name of the stock, number of shares and the date OM received the stock into its account. It is OM’s general policy to sell the stock shortly after the gift is made. OM will not report value, which is standard practice for Gifts-in-Kind. Please consult your tax advisor for deductibility and record keeping.
  • Per OM USA Board policy, OM USA accepts gifts subject to donor designations. However, in accordance with IRS requirements, all gifts are given to and must be treated as belonging fully to Operation Mobilization and are subject to its control. The IRS requires that OM have the power to modify any restriction or designation if, in its sole judgment, such restriction becomes, in effect, unnecessary, incapable of fulfillment or inconsistent with the charitable purpose of Operation Mobilization.
OM’s Broker Info - PDF

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    Each year, Operation Mobilization helps hundreds of churches get excited, equipped and engaged with international missions. We can speak at your church, offer strategy guidance or simply provide trips for your group.
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