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Planned Giving
A planned gift lets your faith outlast you — through your will, estate plan, beneficiary designations, or your IRA.
Remember St. Theresa in your plans
Naming the parish or school in your will or as a beneficiary is one of the most enduring gifts you can make. Your advisor can help you include a bequest of a specific amount, a percentage, or the remainder of your estate.
IRA Qualified Charitable Distributions (QCD)
Under the 2026 rules a QCD became more valuable, not less, for parishioners over 70½. Because a QCD reduces taxable income directly rather than running through itemized deductions, it bypasses both the new 0.5% AGI floor and the 35% benefit cap. It also counts toward your required minimum distribution and can lower the following year's Medicare premiums.
- Annual limit (2026): $111,000 per person; $222,000 for a married couple with separate IRAs.
- One-time split-interest gift: up to $55,000.
- Minimum age: 70½ on the date of the distribution.
- Eligible accounts: Traditional IRA, Inherited IRA, Rollover IRA, SEP and SIMPLE IRAs (with restrictions).
- Not eligible: Donor-advised funds, Private foundations, 401(k) unless rolled over first.
Donor-advised funds & stock
You can also recommend a grant from a donor-advised fund or gift appreciated securities. See Ways to Give for details on each method.
Figures current for the 2026 tax year. St. Theresa cannot provide tax or legal advice. Please consult your own advisor.