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Give More, Pay Less
A gift of appreciate stock, bonds, mutual funds, or exchange-traded funds (ETFs) can be one of the most tax-efficient ways to make a difference for mental health in our community. In many cases, it can provide greater tax benefits than giving cash, allowing you to increase your impact without increasing your cost.
When you donate appreciated securities you have held for more than one year, you may:
- Receive a charitable deduction for the fair market value of your gift
- Avoid paying capital gains tax on the appreciation
If your securities have depreciated in value, you many choose to sell them first, donate the proceeds to NAMI St. Louis (EIN: 43-1143899) and potentially:
- Claim the loss on your taxes
- Take a charitable deduction for the amount you give
Why This Matters
Your gift of stock can have a powerful, lasting impact on NAMI St. Louis' ability to provide education, advocacy, and support to individuals and families affected by mental illness, while helping you maximize your financial resources.
Many donors prefer gifts of appreciated securities because they:
- Fuel life-changing programs in our community
- Maximize tax benefits by avoiding capital gains
- Preserve cash flow for other giving or personal needs
How to Transfer Your Gift of Stock
To transfer gifts of stock to a nonprofit, the process typically works like this:
- Get NAMI St. Louis' brokerage information - We will provide our broker's name, account number, and DTC (Depository Trust Company) number.
- Instruct your broker - Contact your brokerage and request a DTC transfer of the shares directly to NAMI St. Louis' account. This is the most common and secure method.
- Notify NAMI St. Louis - Let us know the details of your gift (stock name, number of shares, expected date) so we can properly acknowledge it and match it to you when received.
- Complete and forms - Complete our Stock Donation Form to ensure we have your contact information and the gift purpose.
- Consider tax implications - If the stock has appreciated, donating it directly may let you avoid capital gains tax while claiming the full fair market value as a charitable deduction (consult your tax advisor).
To make a gift or ask questions: Please contact Christine Patterson at [email protected] or (314) 899-7933
