Transforming Wealth into Well‑Being: Flow‑Through Giving with CMHA Calgary & PearTree Canada

You can make a life-changing impact on mental health…and do it more efficiently than you might imagine.

Through PearTree Canada‘s Flow-Through Giving model, you can give more, pay less, and help CMHA Calgary deliver hope, recovery, and community support for people living with mental health challenges.

What Is Flow‑Through Giving?

Flow-Through Giving is an innovative Canadian approach that allows you to turn your investment advantage into meaningful charitable impact.

Here’s how it works:

1. You purchase shares in a Canadian resource company through PearTree’s Flow-Through program.
2. You donate those shares to CMHA Calgary.
3. You receive tax benefits that significantly reduce the after-tax cost of your gift.
4. CMHA Calgary sells the shares and uses the proceeds to fund critical mental health programs.

In short…you make a major difference while benefiting from one of the most tax-efficient giving strategies available in Canada.

Over the past decade, PearTree has structured hundreds of flow-through transactions, facilitating more than $500 million annually in donation-based contributions to Canadian charities.

Why This Approach Works for High-Net-Worth Donors

Flow-Through Giving is ideal for donors with higher annual incomes who want to create transformational impact while managing their tax exposure.

If your annual income is around $400,000 or more, you may qualify for a fractional or mini Flow-Through gift. For those with income of $1.5 million or more, the full Flow-Through structure may be an attractive strategy.

Why Partner with CMHA Calgary?

Your generosity directly strengthens mental health supports across Calgary and the surrounding area.

Every Flow-Through donation helps us:

• Expand access to prevention, education, and crisis services;
• Empower recovery through peer and family support programs;
• Build lasting community infrastructure that promotes mental wellness.

Together, we transform financial capacity into compassionate action — creating healthier lives and a stronger community.

How It Works – Step by Step

1. Consult your tax or wealth advisor
   Confirm that Flow-Through Giving is right for you.
2. Connect with PearTree
   Purchase qualifying shares through PearTree’s platform.
3. Donate your shares to CMHA Calgary
   The donation is processed smoothly and efficiently.
4. CMHA Calgary converts your gift into impact
   We sell the shares and use the proceeds to fund essential mental health programs.
5. You receive tax benefits
   Claim your charitable deduction and enjoy the enhanced value of your giving.

Since 2007, PearTree has completed 700+ Flow-Through financings and supported over 2,500 charities across Canada.

Who Should Consider This

• Individuals with annual income of $400,000+ considering fractional or mini Flow-Through gifts
• Donors with $1.5 million+ annual income looking for full Flow-Through participation
• Estate planners and family offices seeking tax-efficient major gift strategies
• Advisors and philanthropists exploring high-impact giving opportunities

Let’s Have a Conversation

Every donor’s situation is unique.
Our team is here to help you and your advisors explore how Flow-Through Giving can align your financial goals with your passion for mental health.

Contact us: gifts@cmha.calgary.ab.ca

Disclaimer: This information is for general guidance only and does not constitute tax or investment advice. Donors should consult with qualified tax or legal counsel before proceeding.