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The OCLAT Advantage

What Happens to Your Money

A single contribution. Three transformative outcomes — for your taxes, your charities, and your family. Here's the math.

Select Contribution
Immediate Tax Deduction
$1,000,000
Dollar-for-dollar. Year one.
Up to 30% of AGI
Total to Charity
$3,243,398
Irrevocable annuity payments over 30 years
3.2× your contribution
Returned to Family
$6,811,602
Tax-free remainder after charitable term
Zero estate tax
30-Year Growth Projection
How Your OCLAT Grows
Total Trust Value
Cumulative to Charity
Family Remainder
YOU CONTRIBUTE
Fund the OCLAT
$1,000,000
Cash, securities, or private equity transferred into the irrevocable trust. §7520 rate locked at funding.
TAX SAVINGS
Immediate Deduction
$370,000
At 37% bracket. Full dollar-for-dollar deduction with 5-year carryforward if needed.
CHARITIES RECEIVE
Irrevocable Annuity
$3,243,398
Back-loaded payments to universities, foundations, or DAFs you select — over the full trust term.
FAMILY RECEIVES
Tax-Free Remainder
$6,811,602
Assets grown free of estate tax transfer to your heirs or dynasty trust at term end. Zero gift or estate tax.
OCLAT vs. Traditional CRT
Side-by-Side Comparison
Income Tax Deduction
$1,000,000 ~$250,000
OCLAT
CRT
4× larger deduction with the OCLAT
Year 1 Tax Savings
$370,000 ~$92,500
OCLAT
CRT
Assets Returned to Family
$6,811,602 $0
OCLAT
CRT
6.8× returned to your family, tax-free
Estate Tax on Transfer
$0 N/A — nothing transferred
IRS Circular 230 Disclosure: Projections assume 8% annual return, 30-year term, 37% tax bracket, and IRS §7520 rate of 5.0%. OCLAT uses back-loaded 20% step-up annuity payments per IRS Rev. Proc. 2007-45. CRT deduction estimated at 25% of contribution based on 5% payout rate. All figures are illustrative only and are not guarantees of future results. This does not constitute legal or tax advice. Consult qualified counsel. 424.335.7945