Define your Gifting Strategy

Charitable giving can be a vital component of your taxestate, and legacy planning. Strategies include gifting highly appreciated assets and retained income techniques, such as charitable remainder trusts, as well as grant-making techniques, such as donor advised funds and family foundations. Additionally, wealth transfer techniques, such as charitable lead trusts, enable you to support your current philanthropy while providing an opportunity to transfer wealth to succeeding generations in a tax-advantaged manner.

There are virtually no limits to the amount of cash or securities that you can give to charities, although there are annual limits on how much you can deduct. There are a variety of gifting strategies that may help you lower your tax liability today, as well as allow you to remove appreciated assets and future appreciation from your estate, depending on your income.

While working alongside your tax and legal advisors, your FinTrust advisor can help you integrate gifting strategies with your retirement income needs, your asset allocation strategy, and your desire to pass on your values to future generations to create a cohesive charitable giving plan.


Donor advised funds and private foundations provide tax benefits for the donor, while also allowing for some control over how the assets are invested and distributed to charities.

Retained Income

A charitable remainder trust (CRT) can turn the contributed assets into a payment stream for you during your lifetime and, thereafter, distribute the remaining assets to the charitable organization of your choice.

Wealth Transfer

A charitable lead trust (CLT) can turn the assets you contribute into a payment stream for a charity over a set period of time. At the end of the term, the remaining assets can be transferred back to you or your heirs.

Contact us to begin working with a FinTrust advisor on optimizing your gifting strategy.

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