Some of the most common ways to make a gift to Father Bill's & MainSpring are to write a check, make a gift using a credit card, or donate online.

A gift of cash could be right for you if:

• You want the easiest way to donate to FBMS. 
• You want the largest possible income tax charitable deduction for your gift.
• You would like to make the gift to FBMS that has the greatest immediate impact.

How it works
You make a gift of cash directly to FBMS and you receive an immediate income tax charitable deduction.

Make a gift of publicly-traded securities to Father Bill's & MainSpring and potentially save income tax and capital gains tax, too.

A gift of publicly-traded securities could be right for you if:

• You own publicly-traded securities that you have owned for at least one year.
• Some of these securities have increased in value since you bought them.
• Some of these securities may provide you with little or no income.
• You would like to make a gift to Father Bill's & MainSpring.

How it works

• You transfer shares of one or more publicly-traded securities, such as stock, bonds, and mutual funds, to FBMS.
• The two most common ways to give publicly-traded securities are to make an outright gift of your securities or to make a gift of your securities and receive payments for life.

Your IRA, 401(k), 403(b), or other Qualified Retirement Plan can provide a tax-smart way to make an impact on Father Bill's & MainSpring either now or after the end of your lifetime. The Qualified Charitable Distribution or QCD (sometimes called an “IRA Charitable Rollover”) is a great way to make a tax-free gift now to Father Bill's & MainSpring and satisfy your Required Minimum Distribution (RMD) too.

A gift of retirement plan assets could be right for you if:

• You have an IRA or other Qualified Retirement Plan such as a 401(k) or 403(b).
• You do not expect to need all of your retirement plan assets during your lifetime.
• You have other assets, such as securities and real estate, that you want to pass to heirs.
• You want to provide income or payments to loved ones after you are gone.
• You would like to make a charitable bequest to FBMS.

Option 1: Make a tax-free gift now with a Qualified Charitable Distribution (an “IRA Charitable Rollover”).

You can make a tax-free gift with a Qualified Charitable Distribution (QCD) from your IRA. (Other Qualified Retirement Plans such as 401(k)s and 403(b)s are not eligible). You must be at least 70½ years old to take advantage of this opportunity. Your QCD must go directly from your IRA administrator to FBMS. The total of all of your QCD gifts for 2026 cannot exceed $111,000 per person however, your spouse with a separate IRA can also make a QCD of up to $111,000 in 2026 if they otherwise qualify.

The benefits of a QCD gift include:

• If you don’t itemize your income tax deductions, a QCD provides the tax benefits of an itemized income tax charitable deduction.
•  If you are age 73 and must take a Required Minimum Distribution (RMD), your QCD gift can satisfy your RMD without increasing your income taxes.
• Your gift provides immediate support for the important work of FBMS with a tax-free gift.

Option 2: Designate your remaining Qualified Retirement Plan assets as a contribution to Father Bill's & MainSpring.

Another attractive option is to designate FBMS as the recipient of some or all of what’s left in your IRA, 401(k), 403(b), or other Qualified Retirement Plan at the end of your lifetime.

In addition to having the satisfaction of making a significant future gift to FBMS, your benefits include:

• Your estate is entitled to an unlimited estate tax charitable deduction for the value of your Qualified Retirement Plan donated to FBMS.
• Since FBMS is tax-exempt, there will be no income taxes paid on the distribution to FBMS.
• A tax-smart estate planning strategy is to contribute taxable Qualified Retirement Plan assets to FBMS and preserve non-retirement plan assets for your heirs.
   

Note: Directing your Qualified Retirement Plan to charitable and noncharitable beneficiaries can accelerate the income tax. Always consult with your advisors before naming the beneficiaries of your Qualified Retirement Plan.

Option 3: Designate your remaining Qualified Retirement Plan assets for a life income plan.

Alternatively, you can designate that at the end of your lifetime some or all of the assets remaining in your IRA, 401(k), 403(b), or other Qualified Retirement Plan be used to fund a charitable remainder trust or charitable gift annuity that will make payments to family members or other loved ones for the rest of their lives. When the life income gift arrangement ends, what is left will go to FBMS.

In addition to having the satisfaction of making a significant future gift to FBMS, your benefits include:

• A charitable remainder trust or charitable annuity can provide a lifetime of income or payments to your chosen beneficiary.
• The gift portion of your charitable remainder trust or charitable gift annuity provides an estate tax charitable deduction if your estate is subject to estate taxes.
• A tax-smart estate planning strategy is to contribute Qualified Retirement Plan assets for a life income gift and preserve non-retirement plan assets for your heirs.

A gift of life insurance that you no longer need can be an easy way for you to provide generous support to Father Bill's & MainSpring.

A gift of life insurance could be right for you if:

• Your life insurance policy is paid up or has substantial cash value.
• You have no loan outstanding against the policy.
• Your family is well-provided for by other means.
• You would like to make a generous gift to FBMS.

How it works

Option 1:  You give your policy to FBMS.
As the policy owner, FBMS will either cash in your policy and use the proceeds, or maintain the policy until it ends and then receive its face amount. Your benefits will include:

• An immediate income tax charitable deduction for the value of your policy.
• No change in your cash flow.
• The satisfaction of making a generous gift to FBMS.

Option 2:  You designate Father Bill's & MainSpring as a beneficiary of your policy. When your policy ends, FBMS will receive some or all of your policy's death benefit, as you have designated. Your benefits will include:

• The death benefit of your policy will not be included in your estate, which may save estate tax if your estate exceeds the applicable exemption amount.
• No change in your cash flow.
• The satisfaction of making a generous gift to FBMS.

This option offers the additional benefit that you can change your mind about your gift at any time should circumstances in your life change. 

There are many options for donating your home, second home, commercial building, raw land, farm, or other real estate to Father Bill's & MainSpring. There may be a gift plan available that will help you achieve your charitable and financial goals.

A gift of real estate could be right for you if:

• You own real estate for which you no longer want to be responsible.
• You are willing to donate your home if you can continue to live in it.
• You own real estate that you are willing to sell to us for a bargain price.
• You own real estate that you are willing to donate if you get income in return.
• You want to save income taxes.
• You want to make a generous gift to FBMS.

How it works

Here are some common techniques for making a gift of real estate to FBMS.

• Give your real estate now.
• Give your home now, but continue to live in it as long as you wish.
• Give your real estate now and receive payments for life.
• Give your real estate through your estate.
• Give a portion of your real estate and keep the rest.
• Sell your real estate to us for less than its appraised value.

A gift of artwork, coins, antiques, or other personal property can be an excellent way to support FBMS.

A gift of personal property may be right for you if:

• You own artwork, antiques, or a collection of value that you no longer want.
• You own other personal property that would be useful to us.
• You want to save income taxes or capital gains taxes.
• You would like to make a gift to FBMS.

How It Works
You give your personal property to FBMS. Either we put your property to a use related to our mission, or we sell your property and use the proceeds.