A More Intentional Approach to Giving

Too often, charitable giving is reactive:

• Writing a check at year-end 

• Responding to a request 

• Giving without a broader strategy 

While still meaningful, we help you integrate giving into your financial planning—so it becomes a consistent, intentional part of your retirement.

This allows your generosity to be:

• More impactful for the causes you care about 

• More aligned with your overall financial plan 

• More efficient from a tax perspective

Ways to Give in Retirement

There are several ways to approach charitable giving, each with different benefits depending on your situation.

We help you evaluate options such as:

• Direct giving through checks or transfers
  Simple and familiar, but best considered in light of your overall tax situation

• Donor-Advised Funds (DAFs)
  Allow you to make larger, strategic contributions while distributing gifts over time 

• Qualified Charitable Distributions (QCDs)
  A powerful strategy for those over age 70½, allowing you to give directly from your IRA to a qualified charity—potentially reducing taxable income 

• Gifting appreciated assets
  Donating investments instead of cash to potentially avoid capital gains taxes 

Each approach impacts both the organization you’re supporting and your retirement plan in different ways.

Giving That Enhances—Not Complicates—Your Plan

When structured thoughtfully, charitable giving can:

• Reduce taxable income in certain years 

• Improve the efficiency of withdrawals from retirement accounts 

• Support causes you care about in a meaningful way 

• Become a consistent and rewarding part of your retirement 

The goal isn’t just to give—it’s to give in a way that fits your life and your financial plan.

Coordinating Giving with Your Retirement Plan

Charitable giving doesn’t happen in isolation.

It connects directly with:

• Tax planning strategies

• Retirement income planning

• Estate and legacy planning

As your financial advisor, we help coordinate these decisions—so your giving strategy supports both your current lifestyle and your long-term goals.

Make Giving Part of Your Retirement

If giving is important to you—or something you’d like to explore more intentionally—we’re here to help.