Hobart and William Smith Colleges

How It Works

1. Transfer title to personal residence or farm to HWS
2. No change in your lifestyle—you (and spouse) occupy and enjoy residence or farm for life
3. HWS keeps or sells property after your death(s)

Benefits

• No out-of-pocket cost for substantial gift to HWS
• Federal income-tax deduction for remainder value of your residence or farm
• You (and spouse) can occupy residence for life