With a traditional deferred gift annuity, guaranteed annuity payments are made to a donor and/or another individual for life, starting at a specified date more than one year from the donor's transfer to the charity. Typically, a donor who has sufficient current income from employment or other sources — but is concerned about retirement — transfers assets to a charity and signs an agreement that sets the rate to be paid and the starting date. When the ink is dry on the agreement, so are its
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