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Planned Giving

Finding Her Place in the World

Tifani Panek

Tifani Panek ’22
Tifani presents research during her Cornell University internship

Education. Experience. Impact. That’s the story of Tifani Panek ’22, a first-generation college student who has embraced every opportunity at Davidson.

Tifani was drawn to Davidson because of the multidisciplinary approach to learning and the strength of STEM-related programs. After a visit to campus and a moving, encouraging conversation with Professor Magdalena Maiz-Pena, Tifani could tell Davidson was a place filled with people who would make her feel valued and loved.

As a Bonner Scholar and biology/pre-med major, Tifani stays busy with service requirements for both the scholarship and her classes. In addition, she is part of the Union Board, mentoring through the STRIDE program, the Davidson International Association and MAPS, a pre-med association for minority students.

“The Bonner program is a great facilitation of community—the scholars, who are so kind and have such big hearts, have become some of my closest friends,” she says. “From serving our community to team-building workshops to having weekly dinners—before COVID—I have become a better, more well-rounded person overall.”

Another meaningful experience for Tifani took place last summer—online—as a researcher through the Duke Marine Lab Research Experience for Undergraduates. Usually, her work is in a lab, but remotely, she was able to focus on data analytics, a new skill set. The previous summer, she interned as a research assistant with Cornell University.

“[Through Duke University], we were investigating the impact of plastic pollution on the gut microbiome of Japanese medaka fish, which has larger implications for the impact of ingesting these kinds of pollution.”

In addition to being a Bonner Scholar, Tifani also receives the Williams Family Scholarship and the James C. and Florence P. Smith Scholarship. Following Davidson, Tifani wants to continue with research through fellowships, and she will be applying to medical school. The mix of experiences on and off campus has prepared her for a life dedicated to leadership and service.

“My professors have taught me how to think in a way that values human experience,” she says. “We look at what we can do to be better people and what our place is in the world so we can make it better. I’ve really been able to experience it all.”

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A charitable bequest is one or two sentences in your will or living trust that leave to Davidson College a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

Bequest Language

I, [name], of [city, state ZIP], give, devise and bequeath to Davidson College [written amount or percentage of the estate or description of property] for [its unrestricted use] or [purpose].

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to Davidson or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to Davidson as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to Davidson as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and Davidson where you agree to make a gift to Davidson and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

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