Stocks, Bonds & IRAs
Stocks, Bonds & IRA Giving
Donating appreciated assets is a powerful way to support Catholic Charities while potentially receiving significant tax benefits. Your gift helps provide food, housing, mental health services, and essential support to individuals and families throughout Central Minnesota.
Whether you choose to give stocks, bonds, mutual funds, or make a qualified charitable distribution from your IRA, your generosity helps transform lives.
Stocks, Bonds & Mutual Funds
When you donate securities you’ve held for more than one year, you may be able to avoid capital gains taxes while receiving a charitable deduction for the fair market value of your gift. It’s a tax-smart way to maximize your impact and support the causes you care about most.
How It Works
- Contact your broker and request a direct transfer of securities to Catholic Charities.
- Include your name with the transfer so we can properly identify your gift.
- Notify our team when the transfer is initiated, with your name, the stock, and the number of shares.
- We will acknowledge your gift and provide the appropriate tax documentation.
Once received, the securities are sold and put to work immediately to support our mission.
Giving before year-end? The stock must arrive in our account by December 31 to count for this tax year. Transfers can take a week or more, so please start early.
Transfer Information
Broker: Bernstein Global Wealth Management
Account Name: Catholic Charities of the Diocese of St. Cloud
Account Number: 037-70837
Federal Tax ID: 41-0737799
Minnesota State Tax ID: 8437916
IRA Charitable Gifts (QCDs)
If you’re 70½ or older, you can make a tax-smart gift directly from your IRA to Catholic Charities.
Requirements:
- Must be age 70½ or older
- Gift must come directly from your IRA
- Up to $111,000 per person in 2026
How to give: Ask your IRA administrator to send a check payable to Catholic Charities of the Diocese of St. Cloud (Federal Tax ID 41-0737799), mailed to:
Catholic Charities of the Diocese of St. Cloud
911 18th St. N.
St. Cloud, MN 56303
Please let us know it’s coming. IRA administrators often don’t include your name or address with the check. Email us or call (320) 650-1642 with your name, address, gift amount, and IRA administrator so we can thank you and send your receipt.
New in 2026: Itemized charitable deductions now count only above 0.5% of your adjusted gross income, and top-bracket deductions are capped at 35%. A QCD is left out of your taxable income instead, so those limits don’t apply, and it can count toward your required minimum distribution.