A Quick Guide to Giving from Your Retirement

Mercy Mall offers several tax-efficient ways for you to support families experiencing crises through your retirement funds. Whether you are looking for immediate impact or long-term legacy giving, here are the options available:

1. Qualified Charitable Distributions (QCDs)

  • For IRA holders aged 70½ or older
  • Donate directly from your IRA to Mercy Mall tax-free
  • Counts toward “Required Minimum Distributions (RMDs)” (for those aged 73 and older).
  • Avoids income tax** on the distribution.
  • Can donate up to “$100,000 per year” (adjusted for inflation starting in 2024).
  • How to Give:  Contact your IRA custodian and request a direct transfer to Mercy Mall.

 2. Donor-Advised Funds (DAFs)

  • A “DAF” allows you to contribute funds, receive an “immediate tax deduction”, and distribute funds over time.
  • Gifting appreciated assets (stocks, mutual funds, etc.) avoids capital gains taxes.
  • How to Give: Recommend a grant to Mercy Mall through your DAF sponsor (e.g., Fidelity Charitable, Schwab Charitable, Vanguard Charitable).

3. Naming Mercy Mall as a Beneficiary

  • Designate Mercy Mall as a beneficiary of your IRA, 401(k), or other retirement account.
  • Avoids income and estate taxes on the remaining funds.
  • A simple way to leave a lasting legacy without affecting current finances.
  • How to Give: Update the “beneficiary designation form” with your plan administrator.

4. Charitable Remainder Trust (CRT)

  • Transfer retirement assets into a trust that provides “income for life” (or a set number of years), with the remainder benefiting Mercy Mall.
  • How to Give: Work with a financial advisor or estate planner to establish a CRT.

5. 401(k) or IRA Rollover to a Charitable Gift Annuity (CGA)

  • Convert retirement assets into a “fixed lifetime income stream”, with the remainder going to Mercy Mall.
  • How to Give: Discuss CGAs with a financial institution that offers them.

6. Charitable Lead Trust (CLT)

  • Provides income to Mercy Mall for a set period before the remaining assets pass to heirs or beneficiaries.
  • Can reduce gift and estate taxes while supporting Mercy Mall’s mission.
  • How to Give: Work with an attorney or financial advisor to create a CLT.

Need Help Getting Started?

We recommend consulting your financial advisor or estate planner to determine the best giving strategy for your situation.

For questions about how your gift can make an impact, contact Mercy Mall at stacey@mercymallva.org.

Thank you for partnering with us to serve families experiencing  crises!

A Case of Hope: “I’ve Never Had Anything This Nice Before”

Tears filled her eyes as she unzipped the suitcase. Inside, she found not just clothes, but a brand-new name-brand purse and wallet—something she had always dreamed of owning but never thought possible.

For women leaving incarceration with nothing, a Case of Hope is more than a suitcase—it’s a fresh start. It’s proof that someone sees them, cares for them, and believes they are worth more than their past mistakes.

“These women cry when they open their suitcases,” shared an officer who picks them up for Mercy Mall. “Many of them feel like they have nothing good about them. But when they receive these items, they realize they matter.”

Without basic necessities, survival can feel impossible, and some may feel forced to steal just to get by—risking their future and even their life. A suitcase filled with essentials can be the difference between desperation and dignity. When you give a suitcase, you give someone hope, protection, and a chance for a new beginning.

Thanks to your generosity, a Case of Hope becomes so much more than a suitcase. We were able to pack 541 cases this past year! It offers a renewed sense of dignity to women who may have felt invisible for years. It communicates compassion, care, and the belief that their lives matter. Each suitcase is a powerful step toward a fresh start, filled with hope, encouragement, and the tools to build a brighter future.

Because You Loved…A Mother-to-Be Can Welcome Her Baby with Confidence!

Jessica’s first baby is on the way, and while she and her partner both work hard, their paychecks barely stretch to cover daily expenses—leaving little for the essentials a new baby needs. Living far from her family adds an emotional strain.  

“It’s really hard to be away from my mom, and I’m scared,” she admitted.  

Despite the challenges, Jessica finds strength in her partner and encouragement from her future mother-in-law. With her due date just weeks away, she reached out to Mercy Mall. Thanks to your generosity, we provided bottles, bibs, a stroller, crib sheets, and more—lifting an enormous weight off her shoulders.  

Though the road ahead is uncertain, Jessica clings to her faith, trusting God to guide her through this new chapter.

Because you loved…a single mother rebuilds her life!

Brenda’s story is one of perseverance and unwavering faith. As a first-generation Mexican-American born in San Diego, Brenda moved to Virginia three years ago, hoping to build a better future. But life took an unexpected turn, and she found herself navigating the challenges of single motherhood far from her family’s support.

With two young children at home, Brenda juggles the demands of her full-time job while striving to make ends meet in today’s challenging economy. Despite the hardships, Brenda chooses to focus on her blessings.

She’s deeply grateful for a friend who has become like a sister, providing comfort and community when she needs it most. Her faith is her anchor, and her church community surrounds her with strength and encouragement. “We are blessed,” Brenda says with conviction.

Mercy Mall was honored to serve Brenda and her children with clothing and essential toiletries, offering hope and relief during a difficult season.

Because you loved…his family no longer lives out of a suitcase!

The day Leon visited Mercy Mall, his excitement was contagious! A hardworking father of two, he’d just achieved his biggest dream – providing his children with a stable home!!

For the past 12 months, Leon saved every spare dollar, stayed with family, and made countless sacrifices to turn this dream into reality. “People don’t realize how difficult it can be,” he shared. “It’s harder than it sounds.”

But just two weeks ago, Leon’s persistence paid off. He and his children moved into their very first home together! His children are overjoyed to have rooms of their own – a space they can call home. 

With the support of Mercy Mall, they received essentials to transform their space into a warm and comfortable home.

“It’s a blessing,” Leon said, reflecting on the support he received. 

We are grateful for devoted fathers like Leon, who work tirelessly to create a safe, loving home for their families.

Because you loved…a mother finds hope after heartbreak!!

With the unexpected death of her fiancé, Victoria’s life was turned upside down. Raising a child as a single parent with no additional income presented countless challenges. Relocating to a more affordable home to rebuild her savings, she still found it difficult to make ends meet.

A turning point came when a social worker encouraged Victoria to embrace a fresh start and adjust to a new reality of navigating life on her own.

Thanks to your generosity, Mercy Mall was able to provide Victoria’s family with essential items like warm clothing and bedding, helping them find stability and comfort as they rebuild their lives.

Victoria is deeply grateful for her children, who have been her greatest motivation to keep going. Smiling, she shares, “They’ve been so well-behaved and sweet. I hope they further their education one day, but I pray they always stay kind.”

Because you loved… A Future Was Reimagined

When Marlon walked out of incarceration, he carried more than the weight of his past—he carried uncertainty about his future. Then, he received a Case of Hope, a suitcase filled with essentials like clothing, toiletries, and a Bible. But what it really carried was a message: You are valued. You are not alone. Change is possible.

“It showed me that there are organizations that truly care,” Marlon said. That moment became the turning point in his journey. The Case of Hope didn’t just meet practical needs; it planted the seed of transformation.

Today, Marlon has turned his life around. As a Certified Substance Abuse Counselor Assistant (CSAC-A) and Peer Navigator, he’s now the one offering hope and support to others walking a similar path. He calls it a “full circle” moment, as he uses Mercy Mall’s generosity—prayer, clothing, and essentials—to uplift others.

But Marlon’s story doesn’t end here. He’s pursuing a Bachelor’s Degree in Human Services and dreaming big: to create a safe haven for the unhoused, battered women, and those struggling with mental health and addiction.

Because you loved, Marlon reimagined his future—and he’s helping others reimagine theirs, too.

Because you loved…a family experiences beauty from ashes! (Isaiah 61:3)

Three months ago, Beth’s life changed in an instant. Awaking from an afternoon nap, she was confused by the sound of an alarm and the smell of smoke. Stepping outside to investigate, she saw flames raging in the attic. Within minutes, her family’s home was gone.

Despite being insured, Beth’s family has yet to receive any assistance for their immediate needs or rebuilding costs. For two and a half months, they’ve relied on the kindness of friends and family. Now in a rental, they’re still navigating huge challenges.

Beth found Mercy Mall through a friend, hoping for a few essentials, but was overwhelmed by what she received. “I started sobbing as they loaded towels, plates, bedding, and more into my car,” she shared. “One day, this is where I’ll give back.”

**Name has been changed.**

Because You Loved…A Woman’s Dream of Independence Takes Flight!

Sarah is in what she calls her “cocoon-to-butterfly phase,” determined to break free from the grip of PTSD and build a future filled with possibility. Her dreams may seem simple—learning to drive and achieving more independence within the next year—but for Sarah, they are life-changing steps toward reclaiming her confidence and autonomy.

Journaling keeps her focused, helping her separate reality from trauma and deepen her faith. “It’s good to dream,” she shares. “Sometimes, when we become adults, we stop striving for our dreams.”

With support from her community, Sarah found Mercy Mall, where she received essentials like clothing, kitchenware, and toiletries. Each item has helped her feel grounded, ready to take on the next step in her journey toward a self-sufficient life.

Because you loved…a young girl can stay in school!

When Veronica reached out to Mercy Mall, she was at a breaking point. Her sixth-grade daughter was being repeatedly sent home from school for violating the school dress code – she simply didn’t have the proper clothes to wear!

But this was just the latest hurdle.

Over just a few weeks, Veronica moved, changed jobs, began taking online classes, and depleted her savings to make it all happen. There was simply nothing left for school clothes.

Feeling overwhelmed, she remembered being served by Mercy Mall eight years earlier.  With nowhere else to turn, she reached out.  We were able to serve Veronica right away, providing her daughter with appropriate clothing and, more importantly, giving Veronica much-needed relief and renewed hope.

“Everything is now falling into place,” she shared!