Stock donations can be made directly to the church without needing to first be sold. This means that there is no capital gains tax on the amount donated - plus, the donation amount is tax deductible!

Stock donations are process through a partner of our church management software called Engiven using the following steps:
1. Select "Stock" as the giving method on the Give page of the website or the Give tab of the CCAiken App
2. Complete Engiven’s form by entering the ticker, number of shares, and personal information.
3. Engiven will provide the DTC transfer details on-screen and via email. You can print this page or forward the email directly to your broker.
4. Complete the transfer through your broker or by yourself using the information provided.

Our church giving tool now allows cryptocurrency to be given directly to the church.

Crypto donations are made using a parter of our church management system called Engiven using the following steps:
1. From the Give page on our website or the Give tab of the CCAiken app, select Cryptocurrency as the donation method and follow the provided link.
2. Choose the cryptocurrency and input a value or USD amount.
3. Fill out the rest of the form and select “Next” when finished.
4. Use the provided QR code or public wallet address to complete the transaction through your crypto wallet.

At their core, donor-advised funds are charitable savings accounts. A donor sets up an account with a sponsoring organization—like Fidelity Charitable, Schwab Charitable, National Christian Foundation, or Thrivent Charitable Impact & Investing—and contributes cash, stock, real estate, or other assets.

Once the assets are in the DAF, they legally belong to the sponsoring charity, but the donor retains advisory privileges to recommend when and where to send grants to their favorite ministries—including your church.

Here’s the flow:
1. The donor contributes to their DAF & receives an immediate tax deduction.
2. The DAF sponsor invests the funds, allowing them to potentially grow tax-free.
3. The donor recommends grants over time to qualified nonprofits (like your church).

A qualified charitable distribution (QCD) allows you to direct a set amount directly from your IRA to a qualified charity, like your church. Per the IRS, the QCD limit for 2025 is capped at $108,000 per individual.

You must be 70 & (1/2) years or older to be eligible for a QCD.

NOTE: A QCD is technically an exclusion of income - not a charitable gift - and is therefore not tax-deductible. There is still a tax benefit however in that you will not be taxed on this amount. In order for a QCD to be made and you to receive the tax benefits, you must transfer the money directly from your IRA to the church without first receiving it.