Cocatalyst

What if you could give 37% more to any charity, at $0 additional cost to you?

I earn and donate % of my income.

You could be giving $3,100 to $4,700 extra*, without paying more out of pocket, if you optimize your donations with Cocatalyst.

* You can also keep the amount for yourself, but we always recommend giving more. 😊
gray.png
 

If you donate, give stocks, not cash.

 

Why?

 
 

Non-profits do not pay taxes on sale of securities. 

Chart 1a v1.2.png

Sell Stock and Donate Cash

When you sell appreciated stock, up to 37.1% is taxed. 

By selling shares for $10,000 originally bought for $3,000, between state and federal taxes, up to 37.1%, or $2,597 is taken. That leaves only a $7,403 donation and deduction.

 

Chart 1b v1.2.png

Donate stock directly

When you donate appreciated stock, non-profits keep 100%, and you receive the full market value deduction.

By donating shares worth $10,000 that was bought for $3,000 of stock, you get the full $10,000 deduction and the charity keeps 100% of the stock value.

 

If you want to remain invested in a stock, donate existing lots and repurchase with cash. This removes future taxes.

 
Chart 3 v1.2.png

Sarah bought Apple on Jan of 2017 for $3,000. In Feb of 2018, she donates the shares (market value of $6,500) and receives the deduction for $6,500 on her 2018 tax returns. On the same day, Sarah repurchases the same number of shares using $6,500 cash.

When Sarah sells the shares after the Feb 2018 repurchase:

  • At a gain, she’ll only be taxed at the price excess of $6,500.

  • At a loss, she’ll get all the deduction benefits from the cost basis of $6,500.

 

Use the tax savings to give even more.

 

Also described on

Gifting stock* couldn’t be easier. 

Cocatalyst

automates the process for donors.

*we also accept bonds, ETFs, AND mutuals funds

yellow.jpg

How it works

You  fill out our questionnaire.

We   transfer your securities.

email you the tax receipt.

optimize the sale price.

send the cash.

No need for you to get recipient account numbers, bother finance staff at the charity*, or waste time figuring out how to get documents to your broker. Cocatalyst makes donating through stock easy.

*If you represent a charity. It’s highly recommended your organization sign up to verify 501(c)3 status and ensure proper fund delivery.