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1. Maximize your tax savings this year before the new tax law goes into effect. The urgency of community needs in late 2025 aligns with an important window for donors who itemize their deductions. Under the One Big Beautiful Bill Act (OBBBA), limits on charitable deductions will tighten beginning in 2026. This means that donors who “front-load” their giving this year—by contributing more before the new rules take effect—may be able to maximize both their tax benefits and their philanthropic impact. Read more about the tax law changes and charitable giving here.
2. Turn your gains into good by giving appreciated stock. If you’ve had a strong year in the market, consider using those gains to make a difference. By donating appreciated stock instead of cash, you can give more to the causes you care about—while avoiding capital gains taxes and potentially claiming a charitable deduction for the full market value. It’s a simple way to turn your financial success into lasting community impact.
3. Give smarter with a gift directly from your IRA. Donors age 70½ or older who own an IRA are eligible to transfer up to $108,000 in 2025 ($115,000 in 2026) directly from the IRA to a qualified charity and, if the donor is at least 73 years old, that transfer counts toward the required minimum distribution (RMD). A qualified charitable distribution (QCD) lowers a donor’s adjusted gross income (AGI) rather than simply serving as an itemized deduction, it offers multiple benefits—especially for donors whose standard deduction is already large or who are subject to limits on charitable deductions.
4. Reach out to us at any time! Whether your personal giving plans/ideas include the strategies above, look entirely different, or you have no idea where to even begin, we're always happy to help and answer whatever questions or charitable giving conundrums you have. Call us at 703-243-4785 or just reply to this email to say hi!
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