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Legacy Giving Made Simple

 

Helping churches, synagogues and non-profits receive the gifts their members intend.

 

Every congregation and charity has devoted members who fully intend to remember it someday. Too often, that intention never makes it into a will, or the will is never updated, and the gift is quietly lost. A Transfer on Death (TOD) designation offers a simple, dignified solution: members can name your organization as a beneficiary of an investment account in minutes, without rewriting a will.

 

Talk with Steve directly: cell 917-561-5288 · office 914-361-1099 · sircha@aegiscap.com

 

Download our one-page Legacy Giving guide for clergy and boards (PDF)

 

What Is a Transfer on Death Designation?

 

A Transfer on Death (TOD) designation lets an account owner name one or more beneficiaries, including a house of worship or charity, to receive the assets in a brokerage account when the owner passes away. Similar designations exist for bank accounts (Payable on Death) and for IRAs and other retirement accounts (beneficiary designations).

 

  • Members keep full control. The account remains theirs to use, invest and spend during their lifetime.

  • Any amount works. Members can name your organization for an entire account or a percentage, alongside children and other loved ones.

  • Flexible. A designation can be changed or revoked at any time.

  • Direct. Assets generally pass to the named beneficiary without going through probate.

  • No new will required. The gift is made on the account itself.

 

 

 

Why It Matters to Your Organization

 

  • Good intentions become real gifts. Members can act on their generosity today, while it is on their mind.

  • Accessible to everyone. Legacy giving is not only for major donors; modest gifts from many members add up across a congregation.

  • A lasting endowment. Legacy gifts help sustain your mission, your building and your programs for generations.

  • Tax-efficient options. A qualified charity generally pays no income tax on retirement account assets it inherits, while individual heirs often do. Members should review their situation with a tax advisor.

 

 

 

How Steve Ircha Helps

 

  1. Meet with your leadership. We work with clergy, trustees and finance or development committees to design a simple legacy-giving program.

  2. Educate your members. Steve offers plain-language presentations after services, at lunch-and-learns or in your newsletter, explaining how TOD and beneficiary designations work.

  3. One-on-one help. Members who want to name your organization can meet with Steve to set up or update a designation, whether their account is at Aegis Capital or another institution.

  4. Clear materials. A one-page guide and the details members need to name your organization correctly, such as its full legal name and tax ID.

  5. Ongoing support. Ideas for thanking and recognizing legacy donors, such as a Legacy Society, and coordination with your organization’s attorney and accountant.

 

We also help non-profit boards manage reserve and endowment funds with an emphasis on yield and safety.

 

 

 

Who We Serve

 

Churches, synagogues and other houses of worship, as well as schools, hospitals, cultural institutions and charities in Bronxville, throughout Westchester County and beyond.

 

 

 

Start the Conversation

 

To bring a legacy-giving program to your congregation or organization, call Steve on his cell at 917-561-5288, call the office at 914-361-1099, or email sircha@aegiscap.com.

 

Aegis Capital Corp. does not provide tax or legal advice. Rules for Transfer on Death and beneficiary designations vary by state and account type; members should consult their own tax and legal advisors.

 

Securities offered through Aegis Capital Corp., Member FINRA/SIPC. Investment advisory services offered through Aegis Capital Corp., an SEC Registered Investment Advisor.

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Steve Ircha serves as the Senior Managing Director at Aegis Capital Corp., a securities firm.

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