A Planned Giving Video Series

March 2025

Does your organization administer Charitable Gift Annuities (CGAs) for your donors, or are you considering implementing a CGA program? Do you feel like you need a refresher course on how CGAs work? Cornerstone offers a series of videos that you may find beneficial! Join Director of Planned Giving, Angela Oste and Investment Analyst, Avery Coleman as they discuss common questions and considerations around CGAs.

If you would like to learn more, Cornerstone’s Planned Giving team offers a full-service, back-office solution to help you design, implement, and manage creative planned giving solutions to help meet the goals of both your organization and your donors. Please do not hesitate to reach out if you believe our team may be able to help you streamline your planned giving operations.

Charitable Gift Annuity (CGA) Basics
In the first video of the series, Angela addresses some common questions, including how a CGA works and why it might be beneficial for a donor and an organization, how payouts are determined, and how to get started with a new CGA.

Investing CGA Assets
Avery discusses Cornerstone’s approach to investing the underlying assets in a CGA and covers considerations such as time horizon, state requirements, and active vs. passive management.

CGA State Registration Basics
Angela reviews some of the legal requirements associated with administering a CGA and how they may vary by state. She touches on state registration requirements, annual filing requirements, surplus reserve requirements, and the importance of keeping your CGA pool in compliance.

Importance of Annual CGA Performance Reviews
Although CGAs may not be the largest pool of assets for your organization, it is still critical to review them at least annually. Angela and Avery walk you through a typical review and the type of information that should be covered.

Implementing a CGA Program
Interested in getting started with a CGA program? Capitalizing on Cornerstone’s more than 30 years of experience in planned giving, Angela and Avery cover some of the key items to focus on, including some items that people often overlook.

This report was prepared by Cornerstone Advisors Asset Management, LLC / Cornerstone Institutional Investors, LLC and reflects the current opinion of the firm, which may change without further notice. This report is for informational purposes only and is not intended to replace the advice of a qualified professional. Nothing contained herein should be considered as investment advice or a recommendation or solicitation for the purchase or sale of any security or other investment. Opinions contained herein should not be interpreted as a forecast of future events or a guarantee of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s portfolio. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Investors cannot invest directly in an index. Commentary regarding the returns for investment indices and categories do not reflect the performance of Cornerstone Advisors Asset Management, LLC / Cornerstone Institutional Investors, LLC, or its clients. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Figures contained herein are obtained from sources deemed reliable, but we do not guarantee its accuracy or completeness. Past performance is no guarantee of future results. Investments fluctuate in value. Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services are offered through Cornerstone Advisors Asset Management, LLC. Cornerstone Advisors Asset Management, LLC and Cornerstone Institutional Investors, LLC are independently owned and operated. 7713432.1