Make Your Giving Go Further.
The way you give can matter as much as what you give.
Giving appreciated stock, bunching gifts into one year, or using a donor-advised fund can increase your impact and lower your tax bill. Timing the gift is part of the plan.
30 minutes. Free. No tax return needed.
Who typically benefits
Charitable planning matters most when you give regularly, hold appreciated assets, or expect a large gain.
Giving as part of a lasting family legacy
Giving from the proceeds of a sale
Giving appreciated shares instead of cash
Giving from a property with a large gain
Questions we help answer
“I’m selling my company. How can I give part of the gain to charity?”
“Is it better to give stock than cash?”
“How does a donor-advised fund work, and is it right for us?”
“I take required distributions from my IRA. Can I give from it?”
“We give every year. Are we getting the most tax benefit?”
Numbers worth knowing
Key changes to the charitable deduction that begin in 2026.
0.5%
The share of adjusted gross income that itemizers must give before charitable gifts start to be deductible
35%
The cap on the tax value of the deduction for taxpayers in the 37% bracket
$1,000 / $2,000
The deduction for cash gifts available to taxpayers who don’t itemize, for single and joint filers
How we help you
The team at WealthQuant Advisors helps you look at what you want to support and how you give today, then designs a tailored plan to do more with it.
What do you want to support?
We start with your causes, your goals, and your timeline, so the plan serves your giving and not just your tax return.
What should you give?
Appreciated stock, cash, property, or business interests are taxed differently. We find the asset that does the most good for the least tax.
How should you give?
A donor-advised fund, a gift from your IRA, a charitable trust, or a direct gift each fit different goals. We compare them for you.
When should you give?
Gifts can be grouped into a high-income year or paired with a sale or a vest. We plan the timing around your calendar.
One Big Move. Many Moving Parts.
Your charitable goals belong in your financial plan. We coordinate the assets you give, the year you give and the structure you use with your broader cash flow and tax strategy.
Common questions about charitable planning
What is charitable tax planning?
It’s planning which assets you give, how you give them, and when, so your gifts do more for the causes you support and cost you less in tax.
Why give appreciated stock instead of cash?
When you give stock you’ve held longer than a year to a qualified charity, you generally avoid the capital gains tax on the growth and may deduct its full market value, subject to income limits. Selling it first and giving the cash would trigger the tax.
What is a donor-advised fund?
It’s an account at a public charity. You contribute and may take the deduction that year, then recommend grants to charities over time. The gift to the fund is irrevocable, but it gives you time to decide where the money goes.
What is a qualified charitable distribution?
If you’re 70½ or older, you can send money directly from an IRA to a qualified charity. The amount isn’t included in your income, and it can count toward your required minimum distribution. You don’t also take a deduction for it.
What changes for charitable giving in 2026?
Itemizers can deduct only gifts above 0.5% of adjusted gross income, and the tax value of the deduction is capped at 35% for top-bracket taxpayers. Those who don’t itemize can deduct up to $1,000 ($2,000 joint) in cash gifts. Grouping gifts into fewer years can help.
Educational only. Not tax, legal, or investment advice. Strategies depend on your situation.
See how your giving could go further
A free 30-minute Tax X-Ray. We’ll look at what you give, what you own, and the moves worth considering. No tax return needed.