Make your electronic stock gift to UBS by Wed., Dec. 31 at 3 p.m. CT for 2025 tax deduction purposes.

Stocks, Bonds and Appreciated Securities

Why Give Stocks, Bonds, or Securities

Donating appreciated assets is often one of the most tax-efficient ways to make a meaningful gift.

Many donors are able to give more and make a bigger impact at St. Thomas with a gift of stock, bonds or other appreciated securities. Compared to cash, donating these assets offers many benefits:

  • Eliminate capital gains tax. By donating appreciated assets directly to St. Thomas, you avoid paying capital gains tax — potentially saving up to 30% compared to selling first and donating cash. (Exact tax savings vary depending on your personal situation.)
  • Avoid the Medicare surtax. Donating securities lets you bypass the 3.8% Medicare surtax on investment income.
  • Receive a charitable deduction. If you've owned the asset for more than a year, you can deduct its fair market value.
  • Reset your cost basis. Donate appreciated shares, then repurchase the stock at today's price to reduce future capital gains exposure.
  • Preserve cash flow. Contributing securities instead of cash allows you to retain liquidity for other financial needs.
  • Advance the St. Thomas mission. Your gift supports student scholarships, academic excellence, and the preparation of future leaders.

See the Difference: Stock vs. Cash Gift

In this example, giving stock results in a difference of $17,340 in total tax savings, representing a more than 45% increase over the savings from a cash gift.

$100,000 (cost basis = $40,000)

Tax Savings Stock Cash

Ordinary itemized income-tax deduction (assume 37% tax bracket)

$37,000

$37,000

Capital-gains tax (20%)

$12,000

$0

Medicare surtax (3.8%)

$2,280

$0

State capital-gains tax (5.1% average)

$3,060

$0

Total tax savings

$54,340

$37,000

How to Transfer Securities to St. Thomas

Before transferring, please submit a Stock Notification or Wire Transfer Instruction Request Form. This will notify UBS Financial Services, Inc. and the University of St. Thomas to ensure a smooth delivery.

For questions, you may reach out to:

UBS Financial Services, Connelly Family Wealth Management & Consulting

Evans 'Chip' Connelly, Jr.
evans.connelly@ubs.com
(651) 229-6070

Evans 'Mick' Connelly IV
evans.connellyiv@ubs.com
(651) 229-6071

Geri Paquette
geri.a.paquette@ubs.com
(952) 921-7932

You may also fax inquiries to (855) 535-8106 and a team member will respond to your request and inquiry.

St. Thomas Gift Accounting

devgiftprocess@stthomas.edu
Phone: (651) 962-6899
Toll-free: (800) 328-6819, ext. 2-6899

If the securities that you intend to give to St. Thomas are publicly traded and held in "street name" by a brokerage firm, we prefer that they be transferred electronically from your personal account at your firm to the university's account at:

UBS Financial Services, Inc.
Attn: Evans "Chip" Connelly
8500 Normandale Lake Blvd.
Suite 210
Bloomington, MN 55437

DTC: 0221
University of St. Thomas
Acct. #7N79967
Please include donor name.

Please send St. Thomas a copy of your letter of authorization, including information on the name of the stock, number of shares to be transferred, and the gift designation.

Letters may be mailed to:

University of St. Thomas
Mail DEV: Attn. Tori Sellner
2115 Summit Ave.
St. Paul MN 55105

If for some reason the securities are unable to be transferred by wire, and you need to make a physical delivery, please contact Gift Accounting to determine the delivery process best suited to your situation.

St. Thomas Gift Accounting

devgiftprocess@stthomas.edu
Phone: (651) 962-6899
Toll-free: (800) 328-6819, ext. 2-6899

St. Thomas Federal Tax ID Number: 41-0693970

Legal Name/Address

University of St. Thomas – Minnesota
2115 Summit Ave.
Mail DEV
St. Paul, MN 55105-1096

Contact Gift Accounting

For questions about how to make a gift of stock, please contact our Gift Accounting team:

devgiftprocess@stthomas.edu

(651) 962-6899