You can maximize your philanthropic giving through sound and timely gift planning for the future of Potomac Riverkeeper:

• You can make a gift that costs you nothing in your lifetime. You can provide now for a future gift to Potomac Riverkeeper by including a bequest provision in your will or trust.
• You can give appreciated stock or bonds held for over one year. The IRS allows you one of its most significant tax breaks for gifts of appreciated stock.
• You can transfer ownership of a paid-up life insurance policy. You receive gift credit and an immediate income tax deduction for the cash surrender value of the policy.
• You can name Potomac Riverkeeper as the beneficiary of your IRA, 401(k), or other qualified plan. If you are 70 1/2 years or older and are taking the Required Minimum Distribution (RMD), ask your IRA plan advisor to make a direct payment from your IRA to Potomac Riverkeeper without incurring income tax liability on the withdrawal.