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Make Your Year-End Giving Count
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As the year comes to a close, timing is everything.
If you’re planning to make a year-end contribution to the Community Foundation of Southern Indiana, it’s important to know when your gift is considered complete for tax purposes – and how different types of gifts are handled.
Remember, a gift is deemed “to be made” when the donated property is delivered to the charity. But for gifts made by check, stock, credit care, or other means, special rules apply.
Grant Distributions Deadline: Friday, December 12
To ensure your year-end grant recommendations are processed before December 31, please submit them by Friday, December 12, 2025.
Year-End Giving Guidelines
Gifts by Check – December 31
Under the “Mailbox Rule,” your gift is considered complete when the check is postmarked by December 31, 2025. If you’re using overnight delivery, remember that the gift date is the day the Foundation receives it – not the mailing date.
Gifts by Credit Card – December 31
A credit card gift counts in the year the charge is made, not when you pay your bill. Please plan ahead to avoid delays between your transaction and the posting date – especially for gifts made on December 31.
Gifts of Stock – December 12
To maximize your tax advantages, the stock itself must be transferred to the charity – not sold first. The gift date depends on how you hold the security:
- DTC (book entry): Gift date is when the shares enter CFSI’s account (usually within 3 days).
- Mutual fund shares: Gift is complete once shares reach our account – processing times vary, so check with your fund company.
- Physical stock certificates: Sign a stock power form for each certificate and mail it separately for security. The gift date is the mailing date (if mailed) or when received (if delivered in person).
Deadline: Please initiate all stock transfers by Friday, December 12, 2025.
Important: If you sell your shares and then donate the proceeds, you’ll be responsible for capital gains tax on the sale.
Gifts by Wire Transfer – December 12
To ensure your contribution is received and recorded by December 31, please give wire transfer instructions to your financial institution by Friday, December 12, 2025.
IRA Charitable Rollovers (Qualified Charitable Distributions)
If you’re age 70½ or older, you can make a tax-free gift of up to $105,000 directly from your IRA to a qualified charity like CFSI. For IRA owners age 73 and older, these rollovers can count toward your required minimum distribution – without the income tax.
Your gift can also go even further this year through our $2-for-$1 match for contributions to the Community Impact Fund, which addresses the most pressing needs across Clark and Floyd counties.
Simply complete the QCD form on our website, and we’ll send a draft fund agreement to your email for review and signature.
Triple Your Impact Before Year-End
By giving to our Community Impact Fund, you’re doing more than just supporting local needs – you’re tripling your impact.
Every $1 you give is matched with $2 more, helping create real, positive change throughout our community. It’s simple, secure, and one of the most powerful ways to invest in a brighter future for Southern Indiana.
For Complex Contributions
For gifts of real estate, business interests, or other complex contributions, please contact: Linda Speed, President & CEO
📞 (812) 948-4662 ext. 5
📧 LS****@***************na.com