The combination of a charitable remainder trust (CRT) and an asset replacement insurance trust can greatly benfit for you, your heirs and your favorite charity.
1. The charitable remainder trust can sell the apreciated asset without paying any income tax on the capital gain. By reinvesting this larger amount, the trust can pay to the donor (and spouse if desired) a fixed percentage of the trust assets, e.g., 5%, 6%, 8%, etc., for the remainder of their lives.
2. The charitable deduction is based on the ages of the donor and spouse at the time of transfer, current interest rates and the percentage cash return received each year.
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