Stock and Appreciated Securities

Donating publicly traded stock or other appreciated securities to the Silver Cross Foundation is a smart and tax‑efficient way to support Silver Cross Hospital.

When you give appreciated securities directly to the Foundation, you avoid capital gains tax that would otherwise be owed if you sold the assets and donated the cash proceeds. As a result, you can often give more—at no additional cost to you. 

Tax Benefits in 2026

  • Eliminate capital gains tax on appreciated securities donated directly to charity
  • Receive a charitable income tax deduction for the full fair market value of the securities on the date of transfer
  • Deduction limit: Gifts of appreciated securities to public charities are generally deductible up to 30% of your adjusted gross income (AGI)
  • Carryforward benefit: If your donation exceeds the annual deduction limit, you may carry the unused portion forward for up to five additional tax years
  • Official charitable receipt provided for tax reporting purposes 

These benefits remain available in 2026, even as charitable deduction rules for cash gifts have changed—making gifts of stock an especially effective planning option for many donors. 

Types of Securities You Can Donate

Eligible assets may include:

  • Publicly traded stocks
  • Mutual funds
  • Bonds
  • Exchange‑traded funds (ETFs)
  • Employee stock options
  • Other marketable securities

You may choose to make a gift now, or include appreciated securities as part of your estate or legacy plans. 

How to Make a Gift of Stock

Making a gift of appreciated securities is simple:

  1. Consult your financial advisor to determine which assets may provide the greatest tax and philanthropic benefit.
  2. Instruct your broker to transfer the securities directly to the Silver Cross Foundation.
  3. Contact us via email or by calling (815) 300-7113 for transfer instructions and Foundation account information. 

Designating Your Gift

You may designate the area you would like your gift of stock to support. A variety of Foundation funds are available, allowing you to align your generosity with the programs and services that matter most to you. 

We encourage all donors to consult with their financial or tax advisors to determine how a gift of appreciated securities fits into their overall charitable and financial plans.

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Physicians on Silver Cross Hospital’s Medical Staff have expertise in their areas of practice to meet the needs of patients seeking their care. These physicians are independent practitioners on the Medical Staff and are not the agents or employees of Silver Cross Hospital. They treat patients based upon their independent medical judgment and they bill patients separately for their services.