Ways to Give

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Ways to Give 
On-Line
Check 
Pledge 
Electronic Funds Transfer
Stock 
Life Insurance
Trusts
Wills
Estates

On-Line 
Through this secure FHU e-Giving Web site, your gifts to FHU can be easy to make via credit or debit card. 

Check
Cash contributions are tax deductible in the year you make your donation, up to 50 percent of your adjusted gross income. Excess charitable contributions can be carried forward for up to five additional years. These are only general guidelines; please consult a tax professional regarding the tax-deductibility of any gift. 

Please send checks to: 
Freed-Hardeman University 
Office of Development
158 East Main Street
Henderson, TN 38340 

Pledge
You may make a pledge that can be paid over time. Contact the FHU Office of Development at 1-800-630-3482 or at rmalecha@fhu.edu for more information about pledges. 

Electronic Funds Transfer
You may opt to have funds directly taken from your bank account. Contact the FHU Office of Development at 1-800-630-3482 or at rmalecha@fhu.edu for more information about Electronic Funds Transfer. 

Stock
The best stocks to donate to FHU are those that have increased the most in value. It is best to transfer the actual shares to FHU rather than selling the shares and then gifting the proceeds.  These are only general guidelines; please consult a tax professional regarding the tax-deductibility of any gift. Contact the FHU Office of Estate and Financial Planning at 1-800-630-3482 or at bwilliams@fhu.edu for more information about stock gifts. 

Appreciated Stock - Did you know appreciation on stock held for longer than 12 months is taxed as capital gains at a maximum rate of 15 percent (5 percent for individuals in the 10 or 15 percent tax bracket)? Did you also know that short-term capital gains are recognized on stocks held for less than 12 months and are taxed as ordinary income? By giving these shares to FHU, you pay no capital gains tax and receive a charitable deduction for the full fair market value of the stock. Your income tax deduction is limited to 30 percent of your adjusted gross income, as compared to 50 percent on cash gifts.

Depreciated Stock - By first selling stocks that have lost value, you can recognize a loss to offset gains realized in the year your gift of the proceeds is made. You can then take a charitable deduction for your cash contribution.

Mutual Funds - Begin the transfer of mutual fund shares today, well before the end of the year. The transfer of mutual funds can be very involved but will provide the same benefits as a gift of stock.

Life Insurance
You can contribute a life insurance policy by naming Freed-Hardeman as the owner or the beneficiary of the policy. You may continue to pay tax-deductible premiums on a policy that we own. If you name FHU as the owner and beneficiary, you are able to deduct the lower of the cost basis or the value of the policy. Contact the FHU Office of Estate and Financial Planning at 1-800-630-3482 or at bwilliams@fhu.edu for more information about gifts of life insurance.

Trusts
The Charitable Remainder Unitrust - The Unitrust is specifically designed to get the most out of a given assets, today and over the long-term. In simple terms, it is designed to provide very attractive benefits to you and your family during life, and the legacy of a charitable gift at the prescribed point in the future.

Charitable Gift Annuity - Like the CRUT, the Charitable Gift Annuity, or CGA, is versatile enough to meet the needs of many different individuals and families. It differs from the CRUT in one significant way: The CGA is a legal contract between Freed-Hardeman and you, whereas the CRUT is a legal trust agreement.

Charitable Remainder Annuity Trust - The Charitable Reminder Annuity Trust, or CRAT, is closely related to the CRUT. It carries many of the same benefits and is versatile enough to be structured to fit specific objectives. The single greatest difference between the CRAT and the CRUT is that the CRAT establishes a specific rate of payment for the term of the trust.

Contact the FHU Office of Estate and Financial Planning at 1-800-630-3482 or at bwilliams@fhu.edu for more information about trusts.

Wills
By having a will, you can determine who will control your assets and who will benefit from your estate at your death. Creating a will is the only way you can be sure that whatever you leave behind is distributed to the people, organizations and charities you wish.  Contact the FHU Office of Estate and Financial Planning at 1-800-630-3482 or at bwilliams@fhu.edu for more information.

Estates
The Freed-Hardeman Office of Financial and Estate Planning has professionals who have been trained to help you identify the plan that best suits your present situation and long-term goals. Contact the FHU Office of Estate and Financial Planning at 1-800-630-3482 or at bwilliams@fhu.edu for more information.