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Using the online giving form is easy and secure.

If you prefer to mail in your credit card gift, please use a reply envelope we’ve supplied to you or mail your credit card information to:

������̳
PO Box DEV
1 College Street
Worcester, MA 01610

To phone in a credit card gift, call toll free 877-433-1843.

Checks:
Checks made out to the ������̳ should be mailed to:
������̳
P.O. Box DEV
1 College Street
Worcester, MA 01610

Wire Transfer:
To make a wire transfer, please contact:
Office of Advancement
������̳
One College Street
Worcester, MA 01610
Email the Advancement Team or call 508-793-2423

A Donor Advised Fund (DAF) works like a charitable checking account, letting you donate to ������̳ over time. When you create and fund your DAF, you receive an immediate tax deduction. You can recommend gifts from your DAF to ������̳ whenever you choose, and you may also name ������̳ as a beneficiary as part of your estate planning. 

To make a gift, contact your DAF fund administrator, be aware of any quarterly or year-end deadlines, and let the College know when you have directed a DAF gift. Several donor advised fund options are available — learn more here. 
 

Securities and Mutual Funds 

Gifts of appreciated securities owned for more than one year are a tax efficient way to support the College. You can enjoy an immediate tax deduction for the full value of your gift and pay no capital gains tax. You may choose to make a significant outright gift to ������̳ now, or use appreciated securities to fund a gift that pays income for life and benefits the College later. 

Outright gifts of securities and mutual funds are sold upon receipt, making them available for immediate use by the College. The charitable deduction is determined by the fair market value on the date of the transfer of the asset to ������̳, no matter what you originally paid for them. 

If this transfer will be used to establish a life-income gift, such as a charitable gift annuity or trust, please contact the Office of Gift Planning at 508-793-3481 or giftplanning@holycross.edu.

For all other purposes, please follow the directions below.

DTC Eligible Securities (including Mutual Funds sent via ACAT)

DTC# 0443
Pershing, LLC (One Pershing Plaza, Jersey City, NJ 07399)
For Credit to account #:N7M002176
Client account name: Trustees of the College of The ������̳

Fed Eligible Securities (Treasury Securities and certain bonds)

ABA# 021000018
Bank of NY/Pershing
For Credit to account #:N7M002176
Client account name: Trustees of the College of The ������̳

Please notify the Office of Advancement of your pending transaction, by calling 508-793-2423 or email the office (oas@holycross.edu) with the following information:
1.     # of shares being transferred
2.     Name(s) of security(ies)
3.     Your Broker's name, brokerage firm, phone and fax numbers
4.     Broker's DTC#
5.     Your mailing address for acknowledgment
6.     Purpose or designation of gift

The gift value is based on the average of the market high and low for the date ������̳ receives the gift (not the date you advise your broker to make the transfer). Please be sure to let your broker know when you want the transfer to take place so that it can be accomplished in your desired time frame, e.g., by December 31, to take advantage of year-end tax savings.

������̳ will send you an acknowledgement of your gift as well as the receipt date and value for your tax records.

Physical Securities

For All Physical Securities:

Physical Certificates and the required paperwork should be mailed directly to Pershing LLC., our clearing broker dealer, AND notice of the physical being mailed should be sent to BNYMCM Gift Processing at bnymcmgiftprocessing@bnymellon.com.

Physical Certificates should be mailed to:
Pershing LLC
One Pershing Plaza
Jersey City, NJ 07399
Attention: Security Receive Area

Required Paperwork (i.e., stock bond powers, letter of authorization) should be
mailed separately to:
Pershing LLC
One Pershing Plaza
Jersey City, NJ 07399
Attention: Pending Papers Area

For Foreign Securities, Bonds and Mutual Funds requiring BIN#

Please have your broker contact BNYMCM Gift Processing at bnymcmgiftprocessing@bnymellon.com for additional instructions.

If you have further questions, please email oas@holycross.edu, or call 508-793-2423.

Giving Through Your IRA –

A Qualified Charitable Distribution (QCD) is a tax-advantaged way for individuals aged 70 1/2 and older to donate to charity directly from their Individual Retirement Accounts (IRAs). It allows individuals to transfer up to a set limit ( $108,000 in 2025) annually from their traditional or inherited IRA (or certain SEP/SIMPLE IRAs) directly to a qualified charity, potentially avoiding income tax on the distribution.  

By making this direct distribution to the College, you will exclude the amount of the gift from your gross income for federal tax purposes. QCDs can only be made through IRAs.

To Make a Qualified Charitable Distribution through your IRA: 

• The donor must be 70½ or older.
• The gift must be made directly from the IRA administrator to an eligible charitable organization.
• Gifts to all charities combined cannot exceed a total of $108,000 per taxpayer for 2025. This limit is indexed to inflation, and changes annually.
• The gift can be made only from an IRA. Gifts from 401(k), 403(b) and 457 plans are not permitted.
• The gift is not included in taxable income; therefore, no charitable deduction is allowed. The donor will receive an appropriate gift acknowledgment for their records.

To make a gift:

• Contact your IRA administrator to request that a charitable distribution be transferred to the ������̳. You must specify whether the gift is to be made before the end of the calendar year. IRA Administrators receive many requests at year end. Make your gift early to avoid the rush and worry.
• To ensure gifts are properly recognized and recorded, instruct your IRA administrator to indicate your name on the check and specify that the gift is an IRA charitable distribution.
• Instruct your IRA administrator to send your check, made payable to Trustees of the ������̳, to:

������̳
P.O. Box DEV
1 College Street
Worcester, MA 01610

������̳ Tax ID: 04-2103558

To assist donors interested in making a charitable gift from their IRA, we have provided the following sample letter templates:
Sample Request from Plan Owner/Donor to IRA Administrator
Sample Letter from Donor Informing ������̳ of IRA Transfer

Required Minimum Distribution (RMD) & Rollovers

If you have traditional IRAs or an employer sponsored plan such as 401(k) plans, 403(b) plans, 457(b) plans, profit-sharing plans, and other defined contribution plans, you may be required to take a required minimum distribution (RMD) when you reach a certain age, typically 73 or 74.

Any amount distributed directly from your IRA to a qualified charity as a qualified charitable distribution (QCD) counts toward your RMD for that year. RMDs increase your taxable income and can trigger higher premiums for Medicare. Making a gift with a QCD keeps your taxable income lower. Therefore, making a gift through QCD may help you avoid crossing into a higher Medicare IRMAA bracket — potentially saving hundreds or thousands of dollars per year in Medicare premiums.

What about the Rollover?

Because Qualified Charitable Distributions can only be made through an IRA, many retirees choose to “roll over” employer sponsored plans to IRAS, to be eligible to make QCD, and reduce their adjusted gross income.

Beneficiary Designations

Your IRA and your other retirement accounts can be powerful tools for philanthropy. One of the simplest ways to make a gift is by designating the College as a beneficiary of your retirement plan. A beneficiary designation does not require any update to your will and can be changed at any time. Simply contact your plan administrator or make changes online, to include Trustees of the ������̳ (Tax ID 04-2103558) as a beneficiary of your retirement plan.  

ONE TIME Opportunity: Fund a Charitable Gift Annuity with a QCD

An IRA owner can make a one-time QCD of up to $54,000 (indexed for inflation), in a single tax year, to fund certain types of life-income gifts, specifically:

• Charitable Gift Annuity (CGA)
• Charitable Remainder Unitrust (CRUT)
• Charitable Remainder Annuity Trust (CRAT)

Several rules and limitations apply. Please contact the Office of Gift Planning at 508-793-3481 or giftplannning@holycross.edu for a personal illustration.

The QCD must come directly from your IRA (not a 401(k) or other retirement plan). The QCD must be transferred directly from your IRA to the ������̳ and cannot be first distributed to you. 

The CGA can be established only for the donor, the donor’s spouse or both. You do not receive a charitable deduction for this QCD, but you also do not pay income tax on the amount transferred to the College for the CGA. Annuity payments from a QCD-funded CGA are fully taxable as ordinary income. Deferred payment annuities are not permitted.

The ������̳ is an educational institution and does not provide tax, legal or financial advice. Any document or information shared by our staff is intended to be educational. The College strongly encourages all our benefactors to seek counsel from their own legal and financial advisers. Please know that any information or documents shared by the College cannot be used to avoid tax-related penalties.

Gifts Through Wills

A bequest to ������̳ is a meaningful way to support the future of the College while retaining flexibility and control. A gift through your will or trust is revocable and may be of any size to suit your wishes and circumstances. Through thoughtful estate planning, you can direct highly taxed assets, such as retirement accounts, to ������̳, while providing for your family and loved ones with more tax-advantaged assets. Your bequest can support the College areas most important to you or provide unrestricted support to meet the College’s greatest needs. You may also realize valuable estate-tax charitable deductions and potentially reduce settlement costs.

To explore the giving option that’s right for you, please contact the Office of Gift Planning at giftplanning@holycross.edu.  We are here to help you create a legacy that reflects your values and supports both your loved ones and ������̳.

Many businesses and corporations match personal gifts to educational institutions made by their employees or, in some cases, by family members of employees and/or retirees. By taking advantage of your matching gift benefit, you can double or triple the amount of your gift. Find out if your company is a matching gift company using our .

You may send completed matching gift forms scanned to matchinggifts@holycross.edu or sent through the mail at the address below.

Attn: Advancement Office- Matching Gift Program
PO Box DEV
������̳
One College Street 
Worcester, MA 01610

Gifts of property — such as real estate, art, rare books, antiques, and other valuable items — are welcomed at ������̳, subject to review and approval by the College. To receive a tax deduction for the gift, donors must obtain an independent appraisal of the item(s), if valued over $5,000. Many gifts are retained by ������̳ for their educational value, while others may be sold in consultation with the donor. Each decision about how a gift is used is made collaboratively between the donor and the College.

With thoughtful planning, donating real estate may offer tax benefits for you and meaningful support for ������̳. You have several options: you can give real estate directly to ������̳, transfer the property into a charitable trust, or arrange a bargain-sale agreement. You may also consider leaving property to ������̳ through your estate plan. Additionally, if you wish to donate your home, you can retain the right to live in it for the rest of your life (and your spouse’s, if applicable) while still making the gift. 

For more information, please contact the Office of Gift Planning at 508-793-3481 or giftplanning@holycross.edu

A Charitable Gift Annuity (CGA) is a way to make a meaningful gift to ������̳ while securing guaranteed fixed income for life. ������̳ pays you (or up to two qualified annuitants you name) a lifetime annuity, and you qualify for a partial tax deduction for the tax year in which you fund the annuity The remaining principal passes to the College when the annuity contract ends and is used in the manner you specified in your contract. 

The income from a CGA can benefit you or someone you love and can be paid annually or quarterly, according to your preference. ������̳ follows suggested rates from the American Council on Gift Annuities (ACGA), which are based on the age(s) of the annuitant(s). CGAs are available as immediate or deferred annuities for donors age 50 and older, and minimum gift levels apply. 

Learn how a Charitable Gift Annuity could work for you. Contact the Office of Gift Planning at giftplanning@holycross.edu for a personalized illustration.

A Charitable Remainder Trust is a gift arrangement that allows you to donate assets — such as cash, appreciated stock, or real estate — to a trust that pays income to you or others you choose for life or a set number of years. You can select either fixed payments (annuity trust) or payments that vary with the trust’s investment performance (unitrust). You also receive a tax deduction at the time you create trust. After the trust term ends, the remaining assets go to benefit ������̳. 

To learn more about Charitable Remainder Trusts, contact the Office of Gift Planning at giftplanning@holycross.edu.

Charitable lead trusts work in the opposite way as charitable remainder trusts: they provide payments to ������̳ for a set number of years, and then the remaining assets go to your chosen beneficiaries. 

Learn more — Contact the Office of Gift Planning at giftplanning@holycross.edu.