Has the Saginaw Bay Symphony Orchestra touched you or someone in your life?

If so, you can help the Orchestra continue its mission to provide memorable and magical experiences of symphonic music to the Great Lakes Bay Region for future generations.

Planned gifts, such as bequests or charitable trusts, can be advantageous to your financial planning while providing a future gift to charity. You can take care of yourself and the Saginaw Bay Symphony Orchestra!

A planned gift allows you to make a significant impact. Your legacy gift will be an investment in the future of both the SBSO and the Great Lakes Bay Region.

Explore the rewards and opportunities of planned giving by contacting Bonnie VanVoorhees, CEO, at 989-755-6471 or via email at orchestraceo@gmail.com

Types of Planned Giving


Donor-Advised Funds (DAF) are simple to open. They act like a savings account that is designed to accumulate in value for future gifts. They provide a charitable tax deduction making it easier to grant/gift money to your favorite charities whenever you choose

Charitable Gift Annuity

A Charitable Gift Annuity pays you a fixed dollar amount for the life or a term of years. The amount is determined at the time of contribution and is based on your age.


One of the simplest ways to provide for the Orchestra is to name the SSA as a beneficiary for a portion of your retirement plan. Because of the complex tax structure of retirement plans, proceeds from these accounts could potentially create unwanted tax liabilities for your heirs.

Life Insurance Policies

The best way to give life insurance is to purchase a new policy naming the SSA as owner and beneficiary. The premiums that you pay on the policy may be tax-deductible. You may also designate the SSA as the owner and beneficiary of an existing policy and receive a tax deduction for either the replacement value or cash surrender value of the policy, as well as for any premiums that you continue to pay. You may also name the SSA as the beneficiary of your policy without giving up ownership.

Appreciated Stocks & Securities

There can be desirable tax advantages to giving securities. When you contribute securities that have increased in value, you may be able to avoid the capital gains tax incurred when the appreciated assets are sold. You may also get a charitable tax deduction for the asset’s full market value at the time of the gift, regardless of what you paid for it.


While 81.5% of Michiganders give annually to nonprofits, only 2.8% leave bequests. The process to leave a bequest is simple. It can include cash, securities, stocks, real estate, other properties, life insurance, and IRAs. A bequest may help reduce your family’s estate tax or income tax burden after your death.


Through the use of Charitable Trusts, you can leave a remainder interest to the charity of your choice or to your family.


A Charitable Gift Annuity pays you a fixed dollar amount for the life or a term of years. The amount is determined at the time of contribution and is based on your age.

Endowment Funds

The Saginaw Symphony Association’s endowment fund was established by a group of forward-thinking leaders with a vision for the future of the Saginaw Bay Symphony Orchestra.  Through the generosity of this community, the endowment fund has grown to over $1 million.  Your donation to the endowment ensures music-making at the highest level.

We are able to help

We have a small and knowledgable team ready to help discuss various planned giving options. We’d love to chat about how you can support the Saginaw Bay Symphony Orchestra, and potentially benefit from tax deductions along the way. Use the button below to go to our contact form, and someone will be in touch as soon as possible. Alternatively, please email us, or give us a call.