{"id":2661,"date":"2023-03-21T00:00:00","date_gmt":"2023-03-21T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightstax-smart-charitable-giving-strategies-you-can-use-any-time-of-year\/"},"modified":"2026-04-23T14:05:16","modified_gmt":"2026-04-23T18:05:16","slug":"tax-smart-charitable-giving-strategies-you-can-use-any-time-of-year","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/tax-smart-charitable-giving-strategies-you-can-use-any-time-of-year","title":{"rendered":"Tax-smart charitable giving strategies you can use any time of year"},"content":{"rendered":"\n<p>Charitable organizations face financial needs on a month-to-month basis, yet many people tend to concentrate their charitable distributions at the end of the year. We often do this as part of year-end tax planning, yet this doesn&#8217;t necessarily serve you, or the organizations you support, in the most effective way.<\/p>\n\n\n\n<p>Let\u2019s begin with the fact that charitable donations aren\u2019t tax deductible if you claim the standard deduction, and for many people, it doesn\u2019t pay to itemize. This means that depending on how you file your taxes, you may not be able to take advantage of the tax breaks that can accompany charitable contributions.<\/p>\n\n\n\n<p>Even if your donations are deductible,&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/gifting-and-philanthropic-solutions\">your giving plans<\/a> don\u2019t have to wait until the end of the year. Here are three tax-effective forms of charitable gifting that you can implement at any time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Making qualified charitable distributions from a traditional IRA<\/h2>\n\n\n\n<p>As of 2023, nearly a third of all U.S. households have money saved in traditional IRAs, according to the Investment Company Institute. Distributions from these IRAs must begin after you reach age 73 and will be taxed as ordinary income once the funds are withdrawn.<\/p>\n\n\n\n<p>One way to manage taxation of your <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/five-strategies-for-taking-your-required-minimum-distributions\">required minimum distributions (RMDs)<\/a> may be to direct those funds to a qualified nonprofit organization instead. The IRS has a provision for qualified charitable distributions (QCDs) that allows money to be rolled directly from a traditional IRA to charitable organizations. Using this strategy, both you and the charity can benefit.<\/p>\n\n\n\n<p>A few features to consider when contemplating a QCD:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your IRA balance is reduced, lowering future RMD amounts<\/li>\n\n\n\n<li>It avoids adding IRA distributions to your adjusted gross income, which may keep you in a lower tax bracket<\/li>\n\n\n\n<li>Because you avoid adding to your income, it may help you qualify for lower Medicare premiums, which are based on income levels<\/li>\n<\/ul>\n\n\n\n<p>A direct pipeline from your IRA to your favored charities can be a tax-efficient way for older Americans to fulfill their charitable goals. QCDs can be an effective way to manage RMDs after turning age 73 if you don\u2019t need the funds to cover your living expenses.<\/p>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-well rbc-block-small rbc-block-grey rbc-mid-page-cta has-block-grey-background-color has-background\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<h4 class=\"wp-block-heading cta-title\" id=\"h-lorem-ipsum-dolor-sit-amet\"><strong>Do your plans still reflect your goals?<\/strong><\/h4>\n\n\n\n<p class=\"cta-content\">Let us show you how you can do more with your wealth.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<a class=\"wp-block-button rbc-button-no-icon rbc-mid-page-button is-style-secondary rbc-button rbc-button-secondary\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/find-an-advisor\">Find a financial advisor<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Creating a charitable remainder trust<\/h2>\n\n\n\n<p>Another strategy that may help you manage your tax liability while providing for the long-term financial needs of a favored nonprofit is a charitable remainder trust (CRT). CRTs are often funded with appreciated assets and can provide tax benefits for both the grantors and non-charitable beneficiaries. The benefit to the charity will occur in the future. In the meantime, payments will be generated from the asset, directed to non-charitable beneficiaries.<\/p>\n\n\n\n<p>Payments are typically made to the grantor and\/or the grantor&#8217;s spouse, but other beneficiaries could be named in certain circumstances. The primary benefit is twofold\u2014you claim a tax deduction equal to a portion of the amount placed into the trust while providing a steady stream of income for yourself or another non-charitable beneficiary.<\/p>\n\n\n\n<p>When you establish and fund the trust, that decision is irrevocable. The assets must remain in the trust. You can receive payments based on the value of the assets, as determined by an IRS calculation at the time the trust is funded. The trust can be established for up to 20 years or the life of the beneficiaries. When the term of the trust ends, the remaining assets in the trust are directed to charity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Setting up a donor-advised fund<\/h2>\n\n\n\n<p>A simple way to describe a<span>&nbsp;<\/span><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/leaving-a-charitable-legacy-with-donor-advised-funds\">donor-advised fund (DAF)<\/a><span>&nbsp;<\/span>is that you set aside a lump sum of money into a managed fund, potentially claim an immediate tax deduction for that amount, then direct gifts from the fund to charities over a period of time that is as short or as long as you wish.<\/p>\n\n\n\n<p>Cash, stocks, bonds, mutual funds and other types of assets can be placed in the fund.<\/p>\n\n\n\n<p>Other tax benefits may include avoiding capital-gains taxes on appreciated assets that are placed in the fund and tax-free growth of assets placed in the DAF. Once assets are placed in the DAF, the gift is irrevocable and you can no longer access those assets.<\/p>\n\n\n\n<p>DAFs are not all the same and won\u2019t be suitable for all investors. Funds invested in a DAF may not be distributed to your chosen charities promptly, and some DAFs place restrictions on the types of charities you can designate as beneficiaries. It\u2019s important to consult your financial and tax professionals before investing in a DAF so they can guide you through the due diligence process.<\/p>\n\n\n\n<p>If assets remain in the fund after your death, you can designate who should carry on your philanthropy after you\u2019re gone. It can be an effective way to connect the next generation to your family\u2019s philanthropic values.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Think beyond cash donations<\/h2>\n\n\n\n<p>While you may appreciate the simplicity of writing out a check for a charitable cause, that approach has its limitations. The three strategies outlined here should be explored in more detail. Each offers a way to potentially improve the tax efficiency of your philanthropic endeavors.<\/p>\n\n\n\n<p><em>This article was updated in Dec. 2024. A version of this article was originally published in\u00a0<\/em><a href=\"https:\/\/www.marketwatch.com\/story\/3-tax-smart-charitable-giving-strategies-you-can-use-any-time-of-year-98db4dee?mod=search_headline\" target=\"_blank\" rel=\"noreferrer noopener\">MarketWatch <\/a><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spreading your giving throughout the year, not just at the end, may be beneficial to you and the charitable organizations you support.<\/p>\n","protected":false},"author":22,"featured_media":2663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[136],"tags":[43,137],"rbcwm_content_owner":[],"rbcwm_need":[483],"rbcwm_segment":[467,460,469],"rbcwm_solution":[465],"rbcwm_topic":[458],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-charitable-giving","tag-charitable-giving","tag-charitable-remainder-trust","rbcwm_need-support","rbcwm_segment-business-owners-and-entrepreneurs","rbcwm_segment-individuals-and-families","rbcwm_segment-institutions","rbcwm_solution-wealth-planning","rbcwm_topic-giving"],"acf":{"rbcwm_subtitle":"Spreading your giving throughout the year, not just at the end, may be beneficial to you and the charitable organizations you support.","rbcwm_post_author":[805],"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Neither RBC Wealth Management, a division of RBC Capital Markets, LLC, nor its affiliates provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM should be construed as legal, accounting or tax advice.\r\n<p style=\"margin-top: 0in; background: white;\"><span style=\"font-family: Roboto; color: #6f6f6f;\">Trust services are provided by third parties. RBC Wealth Management and\/or your financial advisor may receive compensation in connection with offering or referring these services. Neither RBC Wealth Management nor its financial advisors are able to serve as trustee.<\/span><\/p>\r\n<p style=\"background: white;\"><strong><span style=\"font-family: Roboto; color: #6f6f6f;\">Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested. <\/span><\/strong><\/p>"},"rbcwm_insight_cta_id":[8486],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tax-smart charitable giving strategies you can use any 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