Planned Giving

As one of the many ways to support us, planned giving provides future income to TMSC/TMA while providing economic benefits to you and your estate planning.  

  • Increased income
  • Provision for loved ones
  • Tax benefits
  • Preservation of assets


Participation in Talcott’s Annuity Program provides you or a loved one with a guaranteed income as well as tax benefits, allowing for the remaining balance at end of contract/trust termination to pass to Talcott. Contact Jonathan Craig at 860-677-8571 for further details.

  • Charitable Gift Annuity Program    
  • Charitable Remainder Annuity Trust  
  • Charitable Remainder Unitrust
  • Deferred Gift Annuity

Bequests (Will or Trust)

Including a bequest to Talcott in your will or trust allows you to remain in control of your assets during your lifetime, while minimizing estate taxes after you pass.  Currently, there is no ceiling on the estate tax deduction for your charitable bequest. 

Life Insurance

Transferring ownership to Talcott of paid-in-full life insurance policies that are no longer necessary to your family or business provides for a reduction of income tax.  Alternatively, name Talcott as beneficiary to your policy and gain estate tax benefits.   

Retained Life Estate

Transferring title to your home, vacation property, or farm to Talcott and continuing to live in the property for life or a specified period of time allows you to gift a significant asset and receive an income tax deduction for the value of your property, while preserving the asset.  

Retirement Plans

Designating Talcott as beneficiary to all, or part of your 401K, SEP or other qualified retirement plan preserves the asset, as it would not subject to estate tax. 

Stocks, Bonds, Other Appreciated Financial Assets

Transferring long term assets directly to Talcott allows you to take an immediate deduction against income (transfer date fair market value of asset) without paying long term capital gains tax at the time the asset is ultimately sold by Talcott.  

Stocks, Bonds, Other Depressed Financial Assets

Selling your long term holding for a capital loss to donate the proceeds to Talcott provides for a tax deduction for the proceeds gifted to Talcott. 


Establishing a Charitable Lead Trust with assets in your portfolio provides fixed annual income to Talcott while reducing estate and inheritance taxes. Asset appreciation accrues tax-free to the individuals names in your trust. 

The material presented on this website is not offered as legal or tax advice.  

Contact your professional advisor.