FAQS

If you own stock or fund shares that have gained value and you've held for more than a year, transferring them directly is almost always better than selling first and donating the proceeds.

Let’s breakdown this example:

Shares bought for $2,000, held over a year and now worth $10,000, assume a 20% federal long-term capital gains rate.

When you sell first then donate the cash, $8,400 reaches us.

When you donate the shares directly, the full $10,000 reaches us.

Because we're tax-exempt, we don't pay capital gains tax when we sell the shares — so the full value transfers, and you deduct the full $10,000 fair market value instead of $8,400.

You never pay the capital gains tax on the appreciation — it simply never gets triggered.

You deduct the full current value of the shares, not just what you paid for them, and we receive the full amount rather than a tax-reduced portion of it.

• Holding period needed> 1 year

• Capital gains owed $0

• Deduction basisfair market value

• Deduction limit 30% of AGI

1. Visit our donation page and look for “Appreciated Stocks & Non-Cash Assets” under “Make a Non-Cash Donation”. Follow the instructions and click the link to make your donation.

2. Select “Stock” and enter your information (or your financial advisor’s, if they’re submitting on your behalf). If you’re giving on your own behalf, enter your name and email address.

3. Select the brokerage firm you do business with (e.g., Charles Schwab, Fidelity, etc.).

4. Enter the stock ticker and the number of shares you wish to give. Click “Continue”.

You’ll then reach a confirmation page letting you know your pledge has been recognized. You’ll also receive an email containing:

• DTC transfer instructions

• An attachment with broker-specific instructions and forms

• A link to Manage Your Donations, where you can review, edit, and track your donation as it moves through the system

Once the transaction is complete, you’ll receive a tax receipt automatically. If you misplace it, Infinite Giving can resend it to you — and can also assist with any audit requests.

A Qualified Charitable Distribution (QCD) allows eligible donors to give directly from their Individual Retirement Account (IRA) to a qualified nonprofit organization.

Instead of withdrawing funds personally and then making a donation, the donor instructs their IRA custodian (such as Fidelity Investments, Charles Schwab, or Vanguard) to send the funds directly to the nonprofit.

By donating in this manner, the distributed amount:

• Counts toward the donor's Required Minimum Distribution (RMD)

• Is excluded from the donor's taxable income

QCD Requirements include:

• The donor must be 70½ years or older at the time of the distribution.

• The distribution must come from an IRA. (Note that employer-sponsored retirement plans such as 401(k)s and 403(b)s do not usually qualify).

• The funds must be transferred directly from the IRA custodian to the nonprofit organization.

• The receiving organization must be a qualified 501(c)(3).

As of 2026, the annual maximum amount that an individual can distribute as a QCD is $111,000.

Please see more information here and note that the QCD limit is subject to change very year.

A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw each year from tax-deferred retirement accounts, such as Traditional IRAs and 401(k) plans, once you reach a certain age.

Under current rules, RMDs must begin at age 73 if you were born between 1951 and 1959, or age 75 if you were born in 1960 or later. The amount is calculated by dividing your account balance as of December 31 of the prior year by a life expectancy factor from an IRS table, and it must be withdrawn by December 31 each year (your very first RMD can be delayed until April 1 of the following year). Because these funds come from pre-tax savings, they’re taxed as ordinary income when withdrawn — unless directed to charity through a QCD.

1. Log in to your DAF sponsor’s online portal (or contact your fund advisor directly).

2. Search for Huneebee Project by name or by our EIN/Tax ID: 85-3837316.

3. Recommend a grant amount and, if you’d like, include a note designating how you’d like the gift used.

4. Submit the recommendation to your fund manager for approval and disbursement.

A few things to know:

• Processing time can vary by sponsor, typically 1–3 weeks.

• Anonymity: most DAF sponsors let you choose whether your name is shared with us or if the gift is made anonymously.

• No additional deduction: since your deduction was already taken when you funded your DAF, this grant recommendation is simply directing funds you’ve already set aside for giving — no new tax documentation is needed on our end.

• Recurring gifts: many DAF sponsors allow you to set up recurring grants, so you can support Huneebee automatically each year.

We’re here to help. If you need personalized assistance with your donation or have more questions about ways to give, please contact Nicole Schless (nicole@huneebeeproject.com).