1. Make a Lasting Difference
Your gift empowers LWCC to bridge health gaps and build a compassionate, holistic community. Partner with
us to create a lasting legacy where no one walks alone.
2. Reflect Your Values
Legacy giving is a meaningful way to express your values and care for the causes you believe in.
3. Give Wisely
Planned gifts offer tax benefits that help you give more effectively.
1. 締造長遠影響
您的捐助能填補健康缺口，助泉源共建身心靈共融社區。請與我們同行，深耕全人健康，確保關懷路上無人孤單。
2. 體現您的價值
遺愛捐贈可以體現您的價值觀，實踐你的信念及使命。
3. 明智捐贈
已計劃好的捐贈方式可帶來稅務優惠，讓您的捐贈更具效益。
If you’re interested or would like to learn more, please get in touch:
Lucetta Lam, M.S.W., R.S.W.
Director of Resource Development
Tel.: 905-763-0818 ext. 225
Email: llam@lwcounselling.ca
A bequest allows you to leave a gift to LWCC through your will, creating a lasting impact beyond your lifetime while offering tax benefits to your estate.
遺囑捐贈讓您透過遺囑支持泉源，在人生旅程之後持續造福有需要的人，同時為您的遺產帶來稅務效益。
Anna passes away with a final-year taxable income that creates $90,000 in taxes owing.
She includes a $50,000 bequest to LWCC in her will.
Before donation:
Taxes payable by estate: $90,000
After donation:
Charitable tax credit ≈ $25,000
Taxes payable reduced to $65,000
Her estate supports LWCC while significantly lowering the final tax bill.
Anna 離世時，最後一年產生約 $90,000 的應繳所得稅。
她在遺囑中安排 $50,000 捐贈給泉源。
未捐贈前：
遺產應繳稅款：約 $90,000
捐贈後：
慈善捐贈稅額約 $25,000
稅款降至約 $65,000
A life insurance gift enables you to turn affordable premiums into a meaningful future donation while enjoying tax benefits during or after your lifetime.
人壽保險捐贈讓您以相對小額的保費，轉化為深具意義的未來善款，並於生前或身後享有稅務優惠，支持泉源的工作。
Benjamin purchases a life insurance policy with a $250,000 death benefit, naming LWCC as beneficiary.
His monthly premium is $180 (about $2,160/year).
Total premiums paid over 20 years: ≈ $43,200
Gift to LWCC at death: $250,000
Benjamin 投保一份 $250,000 的人壽保險，並將泉源列為受益人。
每月保費 $180（每年約 $2,160）。
20 年累積保費：約 $43,200
最終捐贈金額： $250,000
Naming LWCC as the beneficiary of your RRSP or RRIF helps reduce estate taxes while making a direct and valuable gift to those in need.
將泉源指定為 RRSP 或 RRIF 的受益人，可有效降低遺產稅務，同時直接為有需要的人帶來實質幫助。
Chloe passes away with a $200,000 RRIF and no spouse beneficiary.
Before donation:
RRIF fully taxable at ~50%
Taxes owing: $100,000
Net to estate: $100,000
After naming LWCC as beneficiary:
Donation tax credit offsets most or all RRIF tax
Taxes owing: close to $0
Gift to LWCC: $200,000
Chloe 離世時持有 $200,000 的 RRIF，且無配偶受益人。
未捐贈前：
RRIF 全額課稅（約 50%）
稅款：約 $100,000
留給遺產：約 $100,000
指定泉源為受益人後：
慈善捐贈稅額大幅抵銷稅款
應繳稅款：接近 $0
泉源獲得：$200,000
Donating publicly traded securities allows you to support LWCC tax-efficiently by eliminating capital gains tax while receiving a charitable receipt for the full market value.
捐贈上市證券可免除資本增值稅，並依市值獲發慈善收據，是高效支持泉源的稅務規劃方式。
David owns publicly traded shares now worth $120,000, purchased for $40,000.
If sold first:
Capital gain: $80,000
Taxable portion (50%): $40,000
Tax at 50% rate: $20,000
If donated directly to LWCC:
Capital gains tax: $0
Charitable receipt: $120,000
Tax credit value ≈ $60,000
David 持有市值 $120,000、原始成本 $40,000 的上市股票。
若先出售：
資本增值：$80,000
應課稅部分（50%）：$40,000
稅款：約 $20,000
直接捐贈給泉源：
資本增值稅：$0
慈善收據：$120,000
稅額抵免額約 $60,000
A charitable remainder trust provides you with lifetime income and immediate tax benefits while ensuring your gift supports LWCC’s future work.
慈善餘額信託讓您在享有終身收入與即時稅務優惠的同時，確保您的捐贈能長遠支持泉源的使命。
Emily owns a house valued at $800,000. She wants to support LWCC but also needs lifetime income and wishes to stay in her home for life.
She transfers the house into a charitable remainder trust (CRT) with the following arrangement:
Annual income to Emily: ≈ $32,000 (from selling part of the trust assets or renting other investments)
Immediate charitable receipt: ≈ $350,000 (based on the present value of the gift to LWCC)
Estimated tax savings: ≈ $175,000 (assuming 50% marginal tax rate)
Future gift to LWCC: Remaining house value (or its sale proceeds) after Emily’s lifetime
Emily 擁有一棟市值 $800,000 的房子。她希望支持泉源，但同時需要 生前收入，並希望終身居住於此房。
她將房子轉入 慈善餘額信託（CRT），安排如下：
每年收入：約 $32,000（來自信託其他投資資產的收益或部分資產出售）
即時慈善收據：約 $350,000（依據未來捐贈給泉源的現值計算）
估計稅務節省：約 $175,000（假設邊際稅率 50%）
未來捐贈給泉源： 在 Emily 去世後的房屋剩餘（或出售所得）價值
All examples above are assumptions for illustration purposes only. Figures are not real data and do not constitute tax, legal, or financial advice. Actual tax benefits depend on individual circumstances and current Canadian tax laws.
以上所有案例均為假設性示例，僅供說明用途，並非真實數據，亦不構成稅務、法律或財務建議。實際稅務效益將因個人情況及加拿大現行稅法而有所不同。
165 East Beaver Creek Road Unit 9 and 33,
Richmond Hill, Ontario L4B 2N2
905-763-0818
admin@lwcounselling.ca