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Planned Giving

A Family of Cobbers

In the midst of endless classes, labs and study sessions, students at Concordia find time to make friendships and connections that impact their entire life.

Dr. Brad Swingdorf '74 specifically remembers all-night poker and bridge tournaments with his friends on third floor East Complex, his first home away from home. The friendships he made early on made a big impression on his four years at Concordia.

As a biology major, Brad's time was consumed with science labs, lectures and study groups. It was through those study groups that he made some of the best connections. He explains, "When you're under distress with others, you tend to depend on them a lot."

Brad is proud to wear his '74 Cobber ring. "If someone has that Cobber ring, you aren't afraid to talk to them. Concordia is a place that sticks with you for a long time," he says as an alumnus and also a Cobber parent. He even considers his wife, Teresa, to be an honorary Cobber. The two were proud to send their two boys, Aaron '06 and Adam '08, to Concordia.

Brad and Teresa wanted to give back and allow Concordia to continue working in the student's lives.

"The biggest reason my wife and I both give is we have strong feelings about what the college has done for me and my children. I want Concordia to continue to succeed with producing quality young adults," he says.

Being a member of his 40th reunion giving team, Brad was able to ask his classmates to give back. He enjoyed this opportunity and encourages others to get involved.

Support Future Cobbers
To learn about the many different ways you can show your appreciation for Concordia and help provide a quality education to future students, contact Trina Hall at or (218) 299-3445.

eBrochure Request Form

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A charitable bequest is one or two sentences in your will or living trust that leave to Concordia 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

"I give to Concordia College, a nonprofit corporation currently located at Moorhead, MN, or its successor thereto, ______________* [written amount or percentage of the estate or description of property] for its unrestricted use and 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 Concordia College 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 Concordia College 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 Concordia College 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 Concordia College where you agree to make a gift to Concordia College 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.

Personal Estate Planning Kit Request Form

Please provide the following information to view the materials for planning your estate.