You can name Pathways as a beneficiary on financial accounts — including life insurance policies, IRAs, 401(k)s, bank accounts, and donor-advised funds — without changing your will. These designations pass directly to Pathways outside of probate, making them fast, private, and simple. You remain in full control during your lifetime and can update the designation at any time.

Retirement accounts like IRAs and 401(k)s are often the most tax-efficient assets to give to charity. If left to heirs, these funds are taxed as ordinary income — but when donated to Pathways, they pass tax-free. Donors age 70½ or older can also make a Qualified Charitable Distribution (QCD) of up to $108,000 per year directly from an IRA, satisfying Required Minimum Distributions while avoiding income tax.

A charitable gift annuity is a contract between you and Pathways. You transfer assets (cash or securities) to Pathways, and in return, we pay you a fixed income for life. The rate is based on your age at the time of the gift — older donors receive higher rates. You also receive a partial charitable tax deduction. When you pass away, the remaining funds support Pathways’ mission.

A charitable remainder trust (CRT) allows you to donate assets to a trust, receive income from the trust during your lifetime (or a set term), and leave the remainder to Pathways. You avoid capital gains tax on appreciated assets contributed to the trust and receive an income tax deduction. CRTs are ideal for donors with large appreciated assets who also want retirement income. These are complex vehicles best suited to larger gifts and require an estate planning attorney.