I forgot to mention...The technique for negotiating and setting up the CRAT comes from "Beyond the Grave," by Gerald and Jeffrey Condon. I didn't realize that one could negotiate, with a charity. Also, I didn't realize that principal could be invaded, to make up the annuity percent, if the investments don't provide the negotiated amount. If the investments don't yield enough (for example, if you negotiate a 6% distribution rate, but bond yields drop to 2%), it's possible that the entire principal could eventually be consumed, by making up the difference...but that's the charity's problem, not yours.I also didn't realize that the CRAT could be administered by a bank, so that the beneficiary could be changed, to a different charity, if you change your mind.Wendy
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