Free PDF Guide

The Charitable Giving Guide

Generosity and tax planning are not opposites. How to give the amounts you already intend to give at a fraction of the after-tax cost.

What’s inside

  • Why most giving earns no deduction

    The standard-deduction problem, and bunching — the timing fix that turns wasted gifts into deductible ones.

  • Donor-advised funds, demystified

    Deduct now, grant over time: how DAFs work, what they cost, and when they beat giving directly.

  • Give the stock, not the cash

    Donating appreciated shares skips the capital gain entirely — the single most underused move in charitable planning.

  • QCDs after 70½

    Giving straight from your IRA: tax-free, RMD-satisfying, and up to $111,000 per person in 2026.

  • The 2026 rules

    The new 0.5% AGI floor, the itemizer math under OBBBA, and what changed for large gifts.

  • Building a giving plan

    Matching the vehicle to the year — high-income years, retirement years, and the estate at the end.

Jim Crider

Written by Jim Crider, CFP®, founder of Intentional Living FP — a fee-only fiduciary wealth management firm in New Braunfels, Texas.

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This guide is educational only and is not specific financial, tax, or legal advice. Tax figures reflect 2026 rules and are subject to change. Fee-only fiduciary · No commissions · Always on your side of the table.