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In preparing or modifying an estate plan, you should talk with your professional advisors, including an attorney and a financial planner. Charitable Gifts Annuities are the oldest and most popular way of making a charitable gift to a university. After the donor's lifetime, the funds are then used by the university as directed by the donor. Your income from a Charitable Gift Annuity with Saint Joseph's would depend on your age, and could be arranged to benefit one or two people. The chart below shows the rate of annual return at Saint Joseph's.