MKA Executive Planners Blog

Avoiding the Long Term Risks of Charitable Annuities: Can Your Organization Sustain Losses?

Posted by John Yagjian on Thu, Sep, 17, 2015

Basics of a Charitable Gift Annuity

Charitable Gift Annuities (CGA) are a very popular fundraising technique.  A CGA is a contractual agreement between a donor and a charity where the donor transfers assets to the charity, and in return, the charity is obligated to pay a fixed amount to the donor or donors, for a specified term, usually for life.

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Tags: Annuities, Estate Planning

Annuities – What Are They, and What Are They Good For? - Part I

Posted by John Yagjian on Thu, Apr, 09, 2015

The number one risk in retirement is longevity risk.  Once you retire, the amount of money required to cover your retirement needs increases with number of years before death.  For example, if you were to die three years after retirement, the amount you need is not significantly impacted, but the various investment risks (i.e., market risk, inflation, etc.).  If, however you live to age 85, 90 or older, the amount you need at retirement is significantly lager, and the impact of the various investment risks is significantly more.

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Tags: Retirement Planning, Annuities

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