Giving appreciated securities is a tax-wise way to support Presbyterian Senior Living or the beloved community you call home.
Charitable gifts of appreciated stocks, bonds, mutual funds and other securities can give you an extra bonus in terms of tax savings (as compared to a donation of cash). If you have owned publicly traded securities for more than one year, you can claim a tax deduction for the full fair market value of the securities and never have to pay capital gains taxes on the appreciation.
Tip: When donating stock, pick those with the highest appreciated gains that you've held for longer than one year.
We welcome securities gifts of all sizes and you can support the fund you are most passionate about.
It may take a few days for stock to be transferred from your brokerage account, and mutual funds may take several weeks. Please plan accordingly. If you transfer stock to us before December 31, you can benefit by taking a charitable deduction for the full value of the asset on your 2025 tax return.
To receive more information or electronic transfer instructions, please contact Bethanie Constant, Vice President of Mission Support at 717-601-0626.
Illustration of Gifting a Stock
Here’s an example scenario to illustrate how this benefit works:
Let’s say you bought 15 shares of Microsoft stock in July 2020 for $788.85. And in November 2025, those same shares are worth around $3,139 each. That represents a gain of $2,350 per share. A nice appreciation.
You might be thinking about selling off the shares and using the proceeds for your charitable contribution this year, so you can deduct this amount from your taxes.
Please, wait! If you sell the shares and realize the gain, you will have to pay capital gains tax up to 20%. In this case, you’d pay around $628 in taxes per share.
That would leave you with $1,722 of your cash proceeds to donate per share.
Instead, if you donate the 15 shares, neither you nor Presbyterian Senior Living or your community have to pay capital gains tax. PSL or your chosen community will receive the full $3,139 per share, and that’s what you’d write off on your 2025 taxes.
The extra funds will make a huge difference to your community. Plus, you get to bypass capital gains tax. It’s a win-win!
As always, please consult your legal and financial advisors. This is not intended to provide specific legal, tax, investment, or charitable giving advice. Prior to contributing, please notify the Office of Mission Support with your intentions, so your gift can be properly identified, allocated and acknowledged. Email bconstant@psl.org or call 717-601-0626.