Planned Giving

Invest in Your Future by Giving to a Trusted Institution

The American Institute for Economic Research is a nonprofit, nonpartisan think tank. We are neither activists nor lobbyists. We are a 501(c)3 educational and research organization with no political affiliations. Our sole objective is to provide you with the best available economic information.

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In 1928, when others were saying, “the sky is the limit,” AIER Founder Col. Edward C. Harwood warned of the coming financial collapse and depression. In 2011, when panic reigned in the streets and most pundits were warning about a double-dip recession, AIER calmly predicted continuing GDP expansion. In both cases we were right. In between, we have foreseen many major turns in the economy, most often before the better known economic forecasters. 

Historically, we have made correct predictions before other economic prognosticators sensed what was coming. We have been cited in such publications as The New York Times, The Wall Street Journal, Barron’s, Forbes, and Bloomberg/BusinessWeek. Our trusted sources have given interviews on national radio and television.

What we do

We study economics based on objective analysis—on what we can demonstrate to be true with data. We focus on what has been occurring in the economy as the basis for future statements. We concentrate on how the economy functions and how the linkages cause changes across markets, individuals, businesses and nations. We do not impose value judgments as normative economics does. Positive economics is the economics of “what is,” whereas normative economics discusses “what ought to be.” We are not contrarians. We stick to the numbers and the data, and are not driven by emotionalism, politics, or agenda. We are led by scientific methodology and not partisan ideology.

Reliable Lifetime Income for You and Your Family

"Make all you can, save all you can, give all you can." —John Wesley

 

AIER’s tax-deductible planned giving program offers a lifetime income plan for up to three generations. Imagine having a guaranteed income for you, your children and grandchildren, and supporting the work of AIER in the process.

Since 1969, donors to AIER’s programs have enjoyed the advantages of having their assets managed by AIER and the security of knowing that AIER will provide income for life to their designated individuals. Most organizations are not willing to commit themselves to a program that will not benefit them for 75 years or more; for us this is simply a part of our long-term commitment to helping individuals protect their financial future.

AIER offers qualified donors attractive benefits, including:

  • Federal and state income tax deductions.
  • Capital gain tax savings on gifts of appreciated assets.
  • Annual income for life or a designated term.
  • Transfer cash, securities, or other property including buildings and land to AIER, generating life-long income.
  • Reduced probate costs and estate taxes.
  • Expert asset and investment management.
  • Support of AIER’s work and mission

It is important that you consult with your legal and financial advisors before committing to such a deferred gift. We will be happy to run simulations on our planned giving programs to help you with your decision, but we may not provide specific legal or financial advice.

Reserved Life Income Funds

A Reserved Life Income Fund (RLI) is a pooled income fund, managed by AIER, that operates very much like a mutual fund. Donors are assigned a number of units, according to the value of the assets donated. Donated assets are pooled and invested with the assets of other donors and income generated by the fund from the investments (dividends, interest, etc.) is distributed quarterly to the income beneficiaries. The income distribution varies with the fund’s investment performance... [read more]

 

Charitable Remainder Unitrusts (CRUs)

CRUs are income funds in which donated assets are held and invested in a separate account and are not pooled with other donations. Donors stipulate a fixed percentage (not less than five percent) of the value of the fund to be distributed annually to income beneficiaries. Income may continue for the lifetimes of the beneficiaries named, a fixed term of not more than 20 years, or a combination of the two. Payments are made out of trust income, or trust principal if income is not adequate. When the CRU term ends, the principal passes to AIER for its charitable programs. Donors may add funds to their CRU at any time... [read more]

Charitable Gift Annuities (CGAs)

A CGA is a contract, not a trust, under which AIER, in return for an irrevocable gift of cash, marketable securities or other assets, agrees to pay a fixed amount of money to one or two individuals for their lifetime. The contributed property becomes a part of AIER’s assets, and the payments are a general obligation of the charity backed by AIER’s entire assets—not just by the property contributed. AIER will identify and report taxable and non-taxable portions of gifts and annuity payments... [read more]

Charitable Lead Trust

A Charitable Lead Trust can be used to transfer assets to children or others at a significantly reduced tax liability. The trust makes a fixed payment to AIER for a specified term, measured either by someone’s life or a selected number of years. After the trust term ends, the assets of the trust are either returned to you or passed on to children or other loved ones. If the assets are to be returned to you, you receive an income tax deduction when the trust is created. If the assets are passed on to heirs, applicable estate or gift taxes on the value of the gift are reduced or eliminated. The tax savings from a charitable lead trust may allow you to provide significant support for AIER at little or no cost to heirs in terms of ultimate inheritance... [read more]

Bequests

A “bequest” is a provision under a will or trust directing how assets should be transferred after someone’s passing. The bequest is revocable at any time. Thus, you maintain control over the assets during your lifetime and leave a legacy to AIER, making a lasting difference... [read more]

Planned-Giving Calculator

Use our online Planned-Giving Calculator to see an illustration of the income and tax benefits to which you may be entitled if you make a planned gift to benefit AIER.


Call the Planned Giving Office at 413-528-1216 x3153
or email pgo[at]aier[dot]org for more information.