After spending thirty-two years helping clients plan and meet their financial goals, the decision was made to transition from a professional practice to an active teaching ministry at Hume Lake. The primary focus is helping people prepare for the ultimate act of stewardship.

Whether you are single, married, raising a family, or simply enjoying the golden years, your family's future will be a reflection of the plans you make today. Three-quarters of all Americans forgo the opportunity to ensure that their assets benefit those they love and the charitable causes they care about. By having no will or trust, they leave absolutely critical decisions in the hands of the state.

I believe that stewardship from a Biblical perspective should be the cornerstone of every estate plan. This philosophy reflects my understanding of Jesus Christ's teachings. It is my firm belief that genuine stewardship begins with the recognition that everything comes from our Creator and Lord. It is merely ours to use for a time. So just like in the game of Monopoly...in the end...it all goes back in the box. Thanks for stopping by.

  Bill Dunn
  wmdunnslo@gmail.com

There are many ways to make a gift to Hume Lake Christian Camps. One might be especially advantageous to you at a particular time in your life. We suggest that you consult with your attorney or financial adviser as you make your plans. For more information, please contact:

Cash
A gift of cash is available immediately for use by Hume Lake Christian Camps and, in most cases, is fully deductible for donors who itemize their federal income taxes.   If a cash gift totals more than 50% of adjusted gross income, the balance may be carried forward for up to five additional tax years. 

Credit Card
A quick and easy way to make a gift is with a credit card.   Hume Lake Christian Camps accepts VISA and MasterCard.   A credit card gift often provides flexibility for donors who wish to make larger gifts by spreading payments out over several months or the entire year.

Appreciated Securities
Gifts of appreciated securities may be deducted at full market value on the date of transfer to the Hume Lake Christian Camps.   Securities that have been held for one year or more are deductible up to 30% of your adjusted gross income; the balance may be carried forward within the same limitation for up to five additional years.

Real Property
Real property, such as a house, apartment building, land, or farm, may be given outright. In this case, Hume Lake Christian Camps will sell the property and use the proceeds immediately.   It is also possible for real property to be used to fund a trust and provide the donor (or another person) with lifetime income.   Additionally, a donor can give a house to Hume Lake Christian Camps and retain the right to live in it.   This type of gift provides the donor with an immediate charitable deduction, and may also allow the donor to claim deductions throughout his or her lifetime on capital improvements made to the property.

Corporate Matching Gifts
Many corporations match gifts to charitable institutions made by employees and directors; some will match the gifts of employee spouses and retired employees as well. For information about your employer's matching gift program, please contact your human resources office.

A deferred gift allows a donor to make a sizeable gift to Hume Lake Christian Camps and continue to receive income from the gift for his or her lifetime, for the lifetime of another beneficiary, or for a specified number of years. It will also generate a charitable income tax deduction in the year of the gift, which may be carried forward for an additional five years.   HLCC offers many types of deferred giving programs, including charitable remainder trusts, gift annuities, and deferred gift annuities.   The type of agreement selected depends on a wide range of circumstances relating to the donor's plans and objectives.   The agreement will be individually designed to provide the donor with the most attractive tax and income benefits.   Deferred giving agreements, and outright bequests to Hume Lake Christian Camps, may also be established through a donor's will or revocable trust.

Retained Life Estate
One of your valued possessions, your home, can become a valued gift to us even while you are still living in it, and even if you want your spouse or other survivor to live there for life. This arrangement is called a retained life estate.

Charitable Gift Annuity
The concept of the charitable gift annuity in America dates back to the 1870s, when a parishioner first donated a valuable asset to the church in exchange for a flow of income. Today, the concept includes valuable tax benefits for donors.

Charitable Remainder Trust
What are your plans for the future? While there is no single way to achieve all of your personal and financial goals, there is one strategy that can meet many of your needs. It's called a charitable remainder trust. In the right circumstances, this plan can increase your income, reduce your taxes, unlock appreciated investments, rid you of investment worries and ultimately provide very important support.

Wealth Replacement Trust
Perhaps you would like to make a sizable contribution to us now to help meet our current needs, but you don't want to reduce the estate you will pass to your family. The solution? Purchase life insurance. "Sounds like a good idea," you say, "but then I'll have to pay the premiums on the policy." True enough, but depending on your age, health and top tax bracket, the income tax savings from your charitable gift may be enough to cover the premium cost.

** The information on this site is not intended as legal, tax or investment advice. For such advice, please consult an attorney, tax professional or investment professional.