Charitable Gifts

We partner with you to build tax-efficient philanthropic plans, using donor-advised funds, charitable trusts or IRA-qualified donations to amplify impact and reduce future tax implications. This can allow you to integrate charitable giving into your estate plan, supporting your philanthropic values, while optimizing tax advantages. 

Charitable giving questions

What is a qualified charitable distribution (QCD)?

A QCD lets IRA owners age 70½ or older send money directly from an IRA to a qualified charity, up to an annual limit set by the IRS. The amount is generally excluded from taxable income and can count toward your required minimum distribution. QCDs generally cannot be made to donor-advised funds, most private foundations or supporting organizations.

What is a donor-advised fund?

A donor-advised fund is an account held at a sponsoring charity. You contribute cash or investments, may be eligible for a tax deduction in the year you contribute, and then recommend grants to charities over time. Contributions are irrevocable, and the fund has its own fees and rules.

Is it better to give cash or appreciated investments?

Donating long-held investments that have grown in value can be more tax-efficient than giving cash, because you may be able to deduct the fair market value and avoid capital gains tax on the growth. Deduction limits, itemizing rules and federal changes that took effect in 2026 apply, so review this with your tax professional before you give.

Can I include charities in my estate plan?

Yes. Common approaches include naming a charity as a beneficiary of a retirement account, leaving a gift in your will or trust, or using a charitable trust. Because a qualified charity generally does not pay income tax on retirement account money it receives, these accounts are often considered for charitable gifts. We coordinate these choices with your attorney.

These answers are general education, not individual tax, legal or investment advice. Your situation may differ, so please talk with us or a qualified professional before acting.

Giving as part of the full plan

Giving well takes planning. We look at charitable strategy alongside tax planning and estate planning so your generosity lands where you intend. Start the conversation.