Charitable Giving Guidelines

While most donors care more about the reason for giving than they do about the tax implications, the spirit of giving should never be reduced by unexpected tax results.

A gift is an unconditional transfer of cash or property without personal benefit to the donor. The mere transfer of funds to a church or charitable nonprofit is not necessarily a gift. Thus, when a parent pays the college tuition for a child, there is no gift or charitable deduction.

If payments are made to a charity to receive something in exchange, the transaction is more in the nature of a purchase. The tax law states that a transfer to a nonprofit is not a contribution when made "with a reasonable expectation of financial return commensurate with the amount of the transfer." When one transfer comprises both a gift and a purchase, only the gift portion is deductible.


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