Executive Overview and Mission
Building Intergenerational Equity Through Actuarial Certainty
Project Future is a specialized charitable foundation model established to transform financial support delivery for vulnerable youth.
The initiative serves disabled, disadvantaged, and underprivileged children, as well as the surviving children of fallen military service members and first responders who lost their lives in the line of duty or succumbed to service-connected injuries and illnesses.
Rather than relying on temporary, one-time cash grants that quickly deplete, Project Future awards single-premium annuity contracts ranging from $2,000 to $5,000. By utilizing the actuarial certainty and tax-deferred growth of single-premium annuity contracts, these initial awards compound over time into a reliable, long-term financial foundation that secures a child's economic well-being into adulthood. This specific funding range, paired with strategic financial structuring, allows us to provide critical financial lifelines to eligible children without jeopardizing the vital government benefits they rely on to survive.
Delivering Targeted Financial Security Where It Matters Most
Target Beneficiaries & Strategic Impact
- Disadvantaged & Underprivileged Children: Establishing predictable economic equity to help break systemic cycles of poverty.
- Children of Fallen Heroes: Providing lasting financial stability to honor the sacrifices of military personnel and first responders killed or injured in service.
- Disabled & Special Needs Youth: Building dedicated financial cushions while fully safeguarding federal healthcare and income assistance.
- U.S. Citizens, Ages 0-19 years
Precision Benefit Preservation
Protecting Essential Safety Nets for Vulnerable Families
A major challenge facing families raising disabled or underprivileged children is that traditional cash assistance can inadvertently trigger the loss of crucial government safety nets. Project Future structures every annuity contract to align with federal and state benefit-preservation legal frameworks:
- SSI & Medicaid Safeguards: Supplemental Security Income (SSI) regulations enforce a strict $2,000 individual asset limit. To prevent benefit disqualification or loss of Medicaid coverage, future annuity distributions are routed through ABLE Accounts (Achieving a Better Life Experience) or Special Needs Trusts.
- HUD Housing Subsidy Exemptions: For families residing in rent-subsidized housing governed by Area Median Income limits (such as the 60% and 80% AMI thresholds under 24 CFR 5.609), funds are structured under 24 CFR 5.611 as direct expense reimbursements, excluding the distributions from countable household income calculations. HUD guidance explains that some student financial assistance must be excluded from income calculations in public housing contexts, depending on the type of assistance and applicable rules. That makes benefit-aware scholarship design essential when serving low-income and disabled children.
- SSI remains subject to very low countable resource limits: $2,000 for an individual and $3,000 for a couple. SSA also explains that parent resources can be deemed to a child, which can make eligibility especially fragile for families with disabled children. This means a traditional scholarship or cash grant may unintentionally push a child or household above program limits.
- SSA also states that grants, scholarships, fellowships, or gifts set aside to pay educational expenses are excluded as resources for nine months after receipt, but that protection is limited and does not solve the broader long-term asset-building problem. For many families, even a well-intended lump-sum payment can create instability instead of opportunity.
The Benefit Gap
Our Solution: The Power of Annuity-Based Scholarships
The Annuity Model & Fiscal Architecture ~ The One-Time Growing Annuity Model
Project Future proposes single-premium annuity scholarships of $2,000 to $5,000. Instead of paying the child or family a recurring annual check, our scholarships function as annuity contracts with financial entities, intended to grow over time on a tax-deferred basis, providing guaranteed future payments once the child is an adult.
This structure is intended to shift charitable support from short-term consumption to long-term accumulation. The goal is to give each child a financial asset that can mature into a more meaningful future support resource.
A one-time $2,000 to $5,000 award functions as a single "premium" used to create a contract with a financial or insurance entity.
- Single-Premium Funding ($2,000 – $5,000): Each legacy award is funded upfront with a single premium investment, eliminating dependency on year-to-year fundraising volatility
- Tax-Deferred Compounding: Interest and contract earnings accumulate on a tax-deferred basis, building long-term purchasing power that grows alongside the child
- Sustainable Capital Architecture: Legacy funds are anchored by self-sustaining endowment pools - built upon a $50,000 baseline threshold for perpetual endowment units or named Current Expenditure Funds for contributions below the endowment minimum to ensure direct, immediate impact
- Actuarial Growth: Using actuarial logic, this initial seed money is invested to mathematically outpace inflation. For example, with an expected 5% rate of return against a 2% inflation rate, allowing that single $2,000–$5,000 investment to compound steadily over the child's life
- Bridging the "Benefit Gap": By allowing the single premium to grow uninterrupted, the eventual payout can be actively adjusted over time to offset the eroding purchasing power of federal benefits, ensuring the child's financial stability when they finally access the funds
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Tax Treatment
A one-time annuity contract generally grows tax-deferred until funds are withdrawn. When distributions occur, the earnings portion of a nonqualified annuity distribution is generally treated as ordinary income, which means families need advance planning and clear guidance before funds are accessed.
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Program Safeguards
- Written benefit-preservation review before any award is issued.
- Coordination with ABLE accounts, trusts, or direct qualified-expense payment structures where appropriate.
- Clear tax disclosure stating that annuity earnings may be taxable when withdrawn.
- Family education materials explaining SSI resource rules, ABLE treatment, and timing issues around future distributions.
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Funding Structure
Project Future accepts tax-deductible gifts from individuals and businesses of any size.
- Tax-deductible gifts from individuals and businesses of any size
- Current expenditure funds
- Perpetual endowments
- Charitable gift annuities
Give What You Can
Invest in a Child's Future: How You Can Help
Project Future relies on the generosity of individuals and businesses. By integrating modern financial engineering with rigorous regulatory compliance, we offer several ways for you to leave a lasting legacy for a vulberable child.
Support Project Future with a gift that fits your budget and helps build long-term financial stability for disabled, disadvantaged, and underprivileged youth. Every contribution helps fund benefit-aware scholarship support designed to create lasting impact.
Donation Levels
Project Future turns charitable giving into long-term financial protection for children who are too often left vulnerable by both poverty and the rules of public assistance. By pairing modest one-time annuity scholarships with careful planning, the project seeks to replace financial fragility with structured, lasting opportunity.
- $10 Starter Gift
A small one-time or recurring gift that adds up over time and helps create predictable support. - $25 Builder Gift
A practical one-time or recurring commitment that helps fund ongoing scholarship support. - $50 Champion Gift
A strong one-time or recurring gift for donors who want to make a visible difference. - $100 Sponsor Gift
A major one-time or monthly gift that helps strengthen Project Future’s long-term scholarship pipeline. - $250 Scholarship Support Gift
A major one-time or monthly gift that helps strengthen Project Future’s long-term scholarship pipeline. - $500 Scholarship Support Gift
A meaningful contribution that helps expand immediate scholarship capacity. - $1,000 Scholarship Support Gift
A major gift that can help seed future scholarship support. - $2,000 Scholarship Support Gift
A major gift that can underwrite a single minimum award scholarship. - $5,000 High Impact Legacy Gift
A high-impact gift for donors who want to leave a lasting mark on a child’s future. - $50,000 Perpetual Endowments
A tax-deductible gift of $50,000 serves as the foundational "unit" of sustainability, creating an endowment capable of funding multiple scholarships. - Charitable Gift Annuities (CGAs): You can provide a significant gift to the foundation in exchange for a predictable income stream for the duration of your life. Upon your passing, the "remainder interest" of the annuity is transferred directly to the foundation’s endowment to continuously support our scholarship fund.
- Current Expenditure Funds: If your generous remainder interest or total gift does not meet the $50,000 minimum required for a perpetual endowment, we will ethically convert it into a current expenditure fund. This ensures your donation maximizes immediate, critical impact for a children's awards until the funds are depleted