Podcasts about dafs

Lionel De Castro dirige la direction financière de l'UNMI depuis deux ans. Dans cet extrait, il répond à une question directe : qu'est-ce qui change concrètement quand on pilote les finances d'une mutuelle plutôt que d'une entreprise industrielle ou de services ?La réponse part d'un constat que beaucoup de DAFs n'ont jamais eu à formuler. L'assurance et la mutuelle ne commercialisent pas de produit tangible. Il n'y a pas de stock, pas de machine, pas de référence produit. Il y a une promesse sur un risque futur, et c'est cette promesse qui structure l'ensemble du pilotage financier.Le premier mécanisme que Lionel détaille est le provisionnement. Sur une cotisation à 100, 75 sont mis en réserve pour couvrir le risque anticipé. La marge nette visée se situe autour d'1 euro sur ces 100. Ce n'est pas un symptôme de mauvaise gestion, c'est la logique intrinsèque du secteur. Entre la réserve et la marge, il y a les charges de fonctionnement, les taxes et les investissements pour tenir dans la durée.Vient ensuite la réglementation. Le secteur est surveillé par l'ACPR, dont le rôle est de s'assurer que mutuelles et assureurs disposent des fonds nécessaires pour honorer leurs engagements vis-à-vis des assurés. Cette surveillance impose un niveau de reporting et de rigueur documentaire que peu d'autres secteurs connaissent.Lionel aborde aussi la différence structurelle entre une mutuelle et une compagnie d'assurance. Dans une mutuelle, il n'y a pas d'actionnaires : les résultats positifs sont réinvestis, pas redistribués. Cela change en profondeur la logique de pilotage, davantage orientée vers la solidité dans la durée que vers la rentabilité à court terme.L'extrait se termine sur l'ORSA, obligation réglementaire de produire des projections à cinq ans à destination du régulateur et des administrateurs. Lionel y voit moins une contrainte qu'un avantage structurel : une discipline de projection que beaucoup d'entreprises non régulées n'ont tout simplement pas.Retrouvez Lionel De Castro sur LinkedIn : https://www.linkedin.com/in/lionel-de-castro-708970b/Je m'appelle Jonathan Plateau. Je suis passé par EY, Valeo et Safran et j'essaye d'engager des échanges et des réflexions sur nos métiers de la finance.Ma mission : vous offrir une expérience éducative, divertissante et parfois surprenante.Ce podcast est fait pour les directeurs financiers (DAF, CFO), les contrôleurs de gestion, qu'ils soient juniors ou confirmés, et qui souhaitent profiter des échanges entre pairs pour enrichir leur pratique de la finance au quotidien et tendre vers le business partner.Joignez-vous à notre communauté passionnée qui explore chaque facette du contrôle de gestion et du business partner.N'oubliez pas que la finance, c'est aussi une question de mindset !N'hésitez pas à partager vos interrogations sur nos discussions ou sur le podcast. Vous pouvez me contacter sur LinkedIn directement.https://www.linkedin.com/in/jonathan-plateau-1980b610/Vous aimerez cette émission si vous aimez aussi :Coonter (Les Geeks des chiffres) • CFO Radio • Une Cession Presque Parfaite • Voie des comptables • Parlons Cash • Le nerf de la guerre • Feedback by la fée • Radio KPMGHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

There's $326 billion sitting in charitable accounts that face no legal requirement to ever pay out a cent — and the 2026 IPO wave is about to add hundreds of thousands more. Donor-advised funds are now 11 of the top 20 charities in the US by contributions, and the same vehicle that could fund the climate transition has spent two decades quietly funding the movement against it.In this episode, Susan Su reveals how DAFs became the fastest-growing force in American philanthropy, why that should bother anyone who cares about climate, and what donors can actually do about it.We cover:How financialization turned a sleepy 1931 community-foundation tool into the biggest charity engine in the country, once Fidelity, Vanguard, and Schwab got involved in the 1990sWhy DAFs are a regulatory free pass — immediate tax deduction, no payout requirement, near-total anonymity, and a clean way to erase capital gains before an IPOThe real cost to everyone else: the Institute for Policy Studies estimate that every $1 in a DAF carries a $0.74 taxpayer subsidyWhat's hiding behind the headline 20% payout rate, and why the median account tells a different storyHow DonorsTrust and Donors Capital Fund moved $479 million in untraceable money into the anti-climate movement — and how Fidelity, Schwab, and Vanguard routed $171 million to the groups behind Project 2025Why the IPO wave won't just mint a few whales but half a million minnows — the median Fidelity DAF holds just $23,500, which makes this everyone's problemFour ways DAF capital is uniquely suited to climate: catalytic first-loss equity, concessionary debt for first-of-a-kind projects, pooled funds, and funding the public goods markets ignoreOnly about 3% of US charitable giving goes to all environmental causes combined. Religious causes got 28% in 2020. The tool takes no sides — but right now, only one side is using it at scale.Read the full essay at climatemoney.substack.com.Warning: this could radicalize you.

This week's Nonprofit News Feed highlights the potential impact of upcoming IPOs in the AI sector on donor-advised funds (DAFs). Major players like SpaceX, Anthropic, and OpenAI are expected to go public, potentially generating $12 to $32 billion in new DAF contributions. This influx could significantly enhance grant-making capacities across the nonprofit sector. The democratization of philanthropy is a key theme, as newly liquid employees—not just billionaires—could make substantial charitable contributions. Nonprofits are advised to prepare by developing relationships with potential donors early and ensuring they can efficiently handle stock gifts and DAF grants. Key insights include the expectation of a massive year for DAFs, similar to the IPO boom of 2021. However, nonprofits should note that liquidity does not equate to immediate increased budgets. The episode emphasizes the importance of strategic communications and understanding the philanthropic mindset of tech sector employees, particularly concerning AI's societal impacts.

This week’s Nonprofit News Feed highlights the potential impact of upcoming IPOs in the AI sector on donor-advised funds (DAFs). Major players like SpaceX, Anthropic, and OpenAI are expected to go public, potentially generating $12 to $32 billion in new DAF contributions. This influx could significantly enhance grant-making capacities across the nonprofit sector. The democratization of philanthropy is a key theme, as newly liquid employees—not just billionaires—could make substantial charitable contributions. Nonprofits are advised to prepare by developing relationships with potential donors early and ensuring they can efficiently handle stock gifts and DAF grants. Key insights include the expectation of a massive year for DAFs, similar to the IPO boom of 2021. However, nonprofits should note that liquidity does not equate to immediate increased budgets. The episode emphasizes the importance of strategic communications and understanding the philanthropic mindset of tech sector employees, particularly concerning AI’s societal impacts. -------- NonprofitNewsfeed.com Summary of hundreds of news sources.The post The $32B Charitable Wave Is Coming. Your “Donate” Button Isn't Ready. (news) first appeared on Nonprofit News Feed.

$5k a year. For 12 years. Then she sold her business.The fundraiser said, "congratulations," and changed the subject.Sixty days later, with one different question, that same donor transferred $400,000 in appreciated stock before the sale closed.Same donor. Same relationship. Different question.This week on The Intentional Fundraiser, I'm pulling back the curtain on what most major gift teams are quietly missing in 2026: asset-based gifts.Stock. DAFs. Closely held business interests. Real estate.These are not "planned giving department" conversations anymore. They are the next frontier of major gifts for nonprofits of every size. In this episode, Beyond Cash: Unlocking Asset-Based Major Gifts, I walk through:→ The donor signals that say "I'm ready for this conversation"→ Two conversation openers that stay donor-centered and advisor-friendly→ The four asset types every major gift officer should be fluent in→ Stewardship moves that turn one complex gift into long-term partnership→ The internal readiness check you can do with your CFO this weekIf cash giving in your shop feels flat, this is the door I want to open for you.Listen to this week's episode and share it with your CEO and finance lead. The fundraisers who get comfortable with complex gifts now will quietly outpace everyone else over the next three years.What's the one part of asset-based giving that still feels intimidating in your work?More from Tammy ZonkerAuthor of Calling All HeroesFounder of Fundraising TransformedPresident of Modern Institute for Charitable GivingLearn more about the Excellence in Major Gift Fundraising SeminarSubscribe to Tammy Zonker's Scaling Major Gifts newsletterConnect with Tammy Zonker on LinkedInResources: Show notes, links, and resources mentioned in this episode.Review my show: Please review my show. After you click the link, scroll to the bottom, first tap to rate with five stars, and then tap “Write a Review.” Then, let me know what you liked most about this particular episode or how you find my podcast helpful, valuable, insightful, or inspiring in some way.Privacy Policy: See Privacy Policy at https://www.fundraisingtransformed.com/policies

Today I welcome Jordant Arndt, a Certified Financial Planner from Saskatoon to talk about the science, happiness, and finance behind charitable giving.Discussion Points:Jordan's intro (2:07)How Jordan's interest in charitable giving developed (4:41)Making charity part of our financial fabric (6:24)What are key reasons people want to give? (8:51)Happiness and giving - the evidence (9:58)Where to begin with finding a charity? (14:35)Questions to ask charities (17:07)Finances behind giving - donation tax credits & deductions (18:51)Writing off taxable income and carry forward (22:08)Tax efficient donating from corporation (23:05)Donor advised funds, set up (26:07)DAF mechanics (28:38)Closing thoughts (35:00)This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/Papers, talks, resources from this episode:https://wellbeing.research.mcgill.ca/publications/Aknin-et-al-JPSP2013-prosocial-spending-happiness-with-appendix.pdfhttps://www.ted.com/talks/elizabeth_dunn_helping_others_makes_us_happier_but_it_matters_how_we_do_itDAFs:https://www.givewise.ca/blog/giving-philanthropy/donor-advised-fund-canada-checklisthttps://kciphilanthropy.com/wp-content/uploads/2023/05/DAFs-in-Canada-KCI-CAGP-Report-May-2023-2.pdfJordan Arndt:Linkedin: https://www.linkedin.com/in/jordan-arndt-cfp/Email: jordan@ennsbaxterYatin Chadha:Newsletter: https://www.beyondmd.ca/newsletterWebsite: https://www.beyondmd.ca/LinkedIn: https://www.linkedin.com/in/yatin-chadha/Email: yatin@beyondmd.ca

Christopher & Jobst im Gespräch mit Philipp. Wir reden über David Guetta & Peter Hook, der Peak elektronischer Musik, die jeweils besten Songs von Blitz, Poison Idea & Troopers, der MTV Punk Sunday, ein Rolling Stone Beileger über 20 Jahre Punk, die Band KSIN, Schlachtrufe BRD 2, Die Wut, ein Wohlstandsghetto in Gelsenkirchen, Karl Marx aus Papas Bücherschrank, die Hotknives auf nem Stadtfest in Münster, Punk im Pott, Toxoplasma immer geil, der Lost & Found Katalog ersetzt den von AM, der erste Technics 1210er, das Fuck, die Pagan Love Songs Parties, Donnerstag ist Düstertag, nach DAFs letztem Gig auflegen, natürlich Schalke-Mitglied-Sein, 1997 den UEFA-Cup gewinnen, Tränen bei der Meisterschaft 2001, Ingo Anderbrügge, durch Filesharing Leute kennenlernen, ein Interview mit Thees Ullmann, die Partyreihe Remembrance Daze und Death # Disco, 45Grave im Cassiopeia, die großartigen For Against, die Band Fotocrime, eine potentielle UG-Gründung, einige finden Geld halt doch geiler, Le Fete Triste covern deutsche Punk Klassiker in Cold Wave, zum Black Metal Konzert ins Berghain, das Berlin Atonal Festival, die "Gallowdance"-Single von Lebanon Hanover, Lehren aus der Pandemie, 7 Hits in Grau Vol.1 & 2, die vielen Subgenres von elektronischer Musik, Hybrid Moments am Ende eines Techno Sets, Post-Hippie-Technos, DJ Strilipp Phobel, Techno auf dem Brutal Assault, stundenlang vor Techno-Clubs in der Schlange stehen, absolut Team Hedonismus sein, Klangstabil, größte Enttäuschung 2026: Discharge, Le Prince Harry, Ratos de Porao im Reset, Rüdiger & Lumpi, nicht so der Urlaubs-Typ sein, im Kopf Lokalpatriot sein, uvm.Drei Songs für die Playlist:1) Ein Lieblings-Lied des 14-jährigen Philipp: LOXIRAN - Nur zusammen2) Ein Song, der Punks Angst vor Techno nehmen kann: Philipp Strobel + Friedemann Kootz - The Night 3) Ein aktueller Lieblings-Song: MORRISSEY - Make Up is a Lie

This Week:  DAFs: 2026 Benchmark Report We return to our 2026 Nonprofit Technology Conference coverage with a discussion of the third annual report on Donor Advised Fund fundraising. Our panel shares DAF giving results; changed donor behaviors; illiquid assets; best … Continue reading →

Nicole Taylor, President and CEO of the Silicon Valley Community Foundation, joins Alberto Lidji to explore the evolving landscape of modern philanthropy through the lens of the world's largest community foundation. The conversation examines how donor advised funds (DAFs) are reshaping giving across generations, from ultra high net worth philanthropists to everyday donors seeking meaningful impact. Nicole explains why donor advised funds have become a flexible and increasingly influential vehicle for charitable giving, and how Silicon Valley Community Foundation supports donors in translating intention into action. Nicole also discusses the Foundation's deep local engagement across the Bay Area, including work focused on housing affordability, economic mobility, healthcare workforce development, and small business growth in one of the most unequal regions in the United States. The episode further explores the Foundation's global reach, including how it supports donors pursuing international development and cross border philanthropy through partnerships and philanthropic networks spanning regions such as Africa, including Rwanda. Key themes include: The role of donor advised funds in contemporary philanthropy and why they appeal to donors across wealth levels How philanthropy evolves across generations, from emerging wealth creators to legacy focused giving Silicon Valley Community Foundation's work on housing, healthcare careers, and economic opportunity in California The importance of collaboration, donor circles, and expert networks in advancing more strategic philanthropy Why community foundations remain essential civic institutions in both local and global giving Visit our Knowledge Hub at Lidji.org for information on 350+ case studies and interviews with remarkable leaders in philanthropy, sustainability and social entrepreneurship.     

Nicolas est passé par Price puis Thales, 15 ans en finance entre la France, le Luxembourg, l'Allemagne et Singapour. Il y a deux ans, il quittait son poste pour construire le AI Finance Club, aujourd'hui la plus grosse communauté francophone de financiers qui utilisent l'IA, 1700 membres. Et il vient de lancer un accélérateur de 6 semaines pour ceux qui veulent vraiment se mettre dedans.C'est sa deuxième apparition sur le podcast. La première fois, on parlait encore principalement de ChatGPT. En deux ans, le terrain a radicalement changé.L'IA est maintenant directement dans Excel. Elle produit des dashboards HTML avec waterfall, filtres par département et analyse des écarts en 2 à 5 minutes, au niveau de ce que des équipes Power BI mettraient 3 à 6 mois à livrer. À condition d'activer les bons modèles : GPT 5.2 Thinking dans ChatGPT ou Copilot, Opus 4.6 dans Claude, Gemini Pro avec la fonction Canvas. Nicolas donne le use case exact : uploader un fichier de coûts par département, décrire le dashboard voulu, lancer. Ce n'est pas de la théorie, c'est ce que font ses membres chaque semaine.Sur les freins, Jonathan pose la question directement : pourquoi les DAFs et contrôleurs de gestion ne font toujours rien avec l'IA alors que ça date de 2022 ? Nicolas identifie trois blocages concrets. Pas de licence professionnelle dans beaucoup d'entreprises. Pas de temps pour se former quand on est en permanence dans l'urgence. Et pas de ressources pour savoir par où commencer. Sur la sécurité des données, il démonte l'argument : mettre un fichier budget dans Copilot a exactement le même niveau de sécurité que le sauvegarder sur OneDrive, avec les mêmes contrats Microsoft, les mêmes certifications SOC2 et ISO. Les gens sauvegardent sur OneDrive sans se poser la question. La peur de l'IA sur ce sujet n'est pas cohérente.Le Gartner prédit 60% des processus finance automatisés en 2028. Nicolas y croit, mais nuance : d'autres exigences plus poussées vont remplacer ce qui s'automatise. Dans 5 ans, deux profils vont s'en sortir : les ultra-techniques capables de valider ce que l'IA produit sur des sujets complexes, et les généralistes capables de piloter plusieurs rôles simultanément via la technologie. L'analogie Blackberry de Jonathan résume bien le risque pour ceux qui attendent encore.Je m'appelle Jonathan Plateau. Je suis passé par EY, Valeo et Safran et j'essaye d'engager des échanges et des réflexions sur nos métiers de la finance.Ma mission : vous offrir une expérience éducative, divertissante et parfois surprenante.Ce podcast est fait pour les directeurs financiers (DAF, CFO), les contrôleurs de gestion, qu'ils soient juniors ou confirmés, et qui souhaitent profiter des échanges entre pairs pour enrichir leur pratique de la finance au quotidien et tendre vers le business partner.Joignez-vous à notre communauté passionnée qui explore chaque facette du contrôle de gestion et du business partner.N'oubliez pas que la finance, c'est aussi une question de mindset !N'hésitez pas à partager vos interrogations sur nos discussions ou sur le podcast. Vous pouvez me contacter sur LinkedIn directement.https://www.linkedin.com/in/jonathan-plateau-1980b610/Vous aimerez cette émission si vous aimez aussi : Coonter (Les Geeks des chiffres) • CFO Radio • Une Cession Presque Parfaite • Voie des comptables • Parlons Cash • Le nerf de la guerre • Feedback by la fée • Radio KPMGHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Brian Howell, Director of Charitable Consulting at DAFgiving360, unpacks how donor-advised funds can move charitable giving from a year-end tax decision to a more deliberate part of long-term wealth planning. He walks through the core advantages of DAFs, from contributing appreciated and complex assets to investing for tax-free growth and building succession plans that can simplify charitable legacy decisions over time. He also shares new DAFgiving360 research showing that DAF users tend to be more engaged, more recurring in their giving, and more connected to the causes they support. Howell makes the case that this creates a meaningful opening for advisors, not just in tax planning, but in helping clients tie philanthropy more closely to family legacy, major liquidity events, and broader financial strategy. If you'd like to learn more about working with DAFgiving360 and the benefits to both you and your clients, review their online resources or request more information. DAFgiving360 is the name used for the combined programs and services of Donor Advised Charitable Giving, Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code. Contributions made to DAFgiving360 are considered an irrevocable gift and are not refundable. Once contributed, DAFgiving360 has exclusive legal control over the contributed assets.  A donor’s ability to claim itemized deductions is subject to a variety of limitations depending on the donor’s specific tax situation. Contributions of certain real estate, private equity, or other illiquid assets may be accepted via a charitable intermediary, with proceeds transferred to a donor-advised fund (DAF) account upon liquidation. Call DAFgiving360 for more information at 800-746-6216. Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds. DAFgiving360 does not provide legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate. (0426-4BJN) Source

With Exact Sciences stockholders officially approving the merger with Abbott on February 20, 2026, the Q2 closing date is fast approaching. For employees, this means unvested RSUs are accelerating, 401(k) holdings are shifting to cash, and a significant "tax cliff" is looming in 2026.In this deep dive, Clint Walkner and Mitch DeWitt break down the strategic financial moves Exact Sciences employees can make now to protect their windfall and minimize the IRS's cut.What We Cover:- The $105 Cash Payout: How the all-cash deal impacts your RSUs, PSUs, and ESPP.- The 2026 Tax Spike: Why accelerated vesting could push you into a higher tax bracket and how to "bunch" deductions to fight back.- 401(k) & HSA Strategies: Should you pivot to Pre-Tax or Roth during a windfall year?- Risk Management: How to handle the uncertainty of future roles and potential layoffs post-merger.- Charitable Giving: Using Donor-Advised Funds (DAFs) to offset your 2026 gains.Timeline of the Deal:0:00 Deal Overview: The Abbott/Exact Sciences Merger1:00 Updates: What's changed since the November announcement?3:43 Cash Deal Timing: Preparing for a Q2 2026 close5:12 2026 Tax Planning: Managing the "Windfall Year"9:04 Advanced Moves: Charity, DAFs, and Trading Windows10:43 Goal Assessment: What to do with the cash (Debt vs. Savings)14:12 Employment Risk: Liquidity and Emergency Reserves16:48 Next Steps: Coordinating with your Tax ProResources for Exact Sciences Employees:https://walknercondon.com/blog/what-happens-to-my-exact-sciences-stock-after-the-abbott-acquisition/Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

Send a textIn this episode we sit down with Mike Todd from Transform Philanthropy to demystify Donor Advised Funds (DAFs). While often misunderstood or overlooked, DAFs are the fastest-growing giving vehicle and can serve as a recession-resistant revenue stream for your organization. Because DAF money is "pre-funded" by donors who have already received their tax receipts, asking for a grant shifts the conversation entirely from "parting with money" to simply aligning with your mission.Mike Todd breaks down exactly how DAFs work for donors at all wealth levels and explains why donors who switch to DAF giving tend to increase both their grant sizes and retention rates. You will also learn a straightforward, practical strategy to tap into this revenue source, starting with crucial CRM coding practices—specifically the difference between hard and soft credits—and essential communication rules between your finance and fundraising teams. Finally, we get into how a simple, free update to the forgotten copy on your website's "ways to give" page can make your charity instantly "DAF attractive," helping you uncover $50,000 donors currently hiding in your $50 mass-market file.---⛰️ Don't miss out on the next BuildGood Summit! Sign up to be the first to know about the dates, location and super early bird discounted tickets at www.buildgoodsummit.com  

In this episode of CharityVillage Connects, we take an in-depth look at donor-advised funds (DAFs), a method for Canadians to give to charity that is increasing rapidly in popularity.  Do DAFs provide valuable flexibility for donors, or do they delay urgently needed support for charities facing rising demand? Join us as we explore how DAFs work, the benefits they offer, and the growing calls to ensure every donated dollar makes a timely difference.#podcast #charity

With my music episodes, I try to present to you evergreen tracks that will be with you for a while. I subscribe to a ton of record pools beyond digging through blogs, Patreon, streaming services, Shazam, and the like. I thought I would share my top 20 most interesting musical track finds with you from the month of February 2026. Bonus: I'll give you the source on where to find the tracks I talk about. Not only do I hope to save you time in finding gems but I also give you my take on how/where I use them within my sets. My Patreon Shop is live! Grab documents and music listings a la carte. I'm on YOUTUBE! Please subscribe and share. Thanks in advance.Check out my podcast website and my premium podcast content community page.DJs: Interested in Heavy Hits Music Pool? Go to https://heavyhits.com/For my podcast listeners only, enter promo code: BRIANB - it gets you a 30 day trial for $5. Try it now.DJs: Did you know I launched a course? It's called the "Value Based DJ Course" which will help you land your ideal clients, get paid what you need and give you the flexibility to figure out how many events you want to work. Get it today at https://www.thedjscreativeedge.com/Have a topic you want covered? Drop me a DM at @thetraveldjblend. Has this podcast helped you? Share your thoughts by leaving a review on the Apple Podcast App.

In this episode of CharityVillage Connects, we take an in-depth look at donor-advised funds (DAFs), a method for Canadians to give to charity that is increasing rapidly in popularity. With more than $20 billion sitting in DAF accounts across the country — funds that donors have claimed tax credits for, but that have not yet been distributed to the charities they were meant to support — important questions are emerging about their role in Canada's charitable landscape. Do DAFs provide valuable flexibility for donors, or do they delay urgently needed support for charities facing rising demand? Join us as we explore how DAFs work, the benefits they offer, and the growing calls to ensure every donated dollar makes a timely difference.Meet Our Guests in Order of AppearanceJohn Hallward – Chairman, GIV3Malcolm Burrows, Head, Philanthropic Advisory Services, Scotia Wealth Management / Executive Director, Aqueduct FoundationJeff Golby, CEO, WellFunded PhilanthropyAndrew Chunilall – CEO, Community Foundations of CanadaChantelle Ohrling, Planned Giving Officer, Ecojustice Canada (Formerly)About your HostMary Barroll, president of CharityVillage, is an online business executive and lawyer with a background in media, technology and IP law. A former CBC journalist and independent TV producer, in 2013 she was appointed General Counsel & VP Media Affairs at CharityVillage.com, Canada's largest job portal for charities and not for profits in Canada, and then President in 2021. Mary is also President of sister company, TalentEgg.ca, Canada's No.1, award-winning job board and online career resource that connects top employers with top students and grads.Additional Resources from this EpisodeWe've gathered the resources from this episode into one helpful list:Influence, Affluence & Opportunity: Donor-Advised Funds in Canada (CAGP Foundation & KCI, 2023)The Blumbergs' Canadian Donor Advised Funds Report (Blumberg Professional Corporation, 2026)Charitable Giving in Canada – Statistics and Data (Statistics Canada, 2025)DAF Data and Research Dashboard (WellFunded, 2025)The Giving Report: Trends in Charitable Giving in Canada (CanadaHelps, 2025)Unpacking DAFs, the fastest-growing way to give in Canada (The Philanthropist Journal, 2025) Learn more and listen to the full interviews with the guests here.

If you've been watching the headlines in 2026 and thinking, “None of this makes sense,” you're not alone. Stocks can be up while confidence feels shaky. Jobs can cool while other areas of the economy look like they're improving. Bitcoin can be down, silver can be swinging, and emerging markets can be strong… all in the same stretch of time.That's what mixed signals are: real life.This episode is not a market recap and it's definitely not a prediction show. It's a planning lesson built for the 50+ investor (the “millionaire next door”) who wants to retire with confidence, protect cash flow, and stop getting whipped around by noise.Because when headlines conflict, the goal isn't to predict — it's to protect your plan.In this conversation, Moise and Andrew walk through a simple, repeatable system that works whether markets are calm or chaotic. It's the exact framework they use to help pre-retirees and retirees stay disciplined when the economy feels confusing.The 4-Part Mixed Signals System:1) Protect Cash Flow (Paycheck Replacement)Your portfolio has a different job at 50+ than it did at 35. It's not just about growth — it's about replacing income. We talk about building a 12–24 month spending buffer so you're not forced to sell stocks during a downturn.2) Rebalance With Rules (Not Feelings)Doing nothing isn't neutral, because your allocation changes even when you don't. We break down a simple drift rule (like +/- 5%) that helps you rebalance consistently and stay aligned with the risk you actually intended to take.3) Make the Right Tax Moves at the Right TimeMost families don't lose retirement because of one bad market year. They lose it because of taxes, timing, and avoidable mistakes. We cover the importance of tax planning before Social Security and before RMDs, plus tools like Roth conversions (when appropriate), QCDs, DAFs, and intentional gain management.4) Build Behavior Guardrails (Mistake Prevention)The biggest threat to your retirement plan is usually a decision you make under stress. We give practical guardrails to keep you from panic-selling, chasing what's hot, or turning your retirement plan into a highlights reel.If you're 50+ and you want a process you can actually follow when markets feel “mixed,” this episode is for you.

What if your giving plan felt as intentional and optimized as your FI plan, and just as easy to automate? In walks Daffy, the new and modern donor-advised fund that is democratizing giving! Adam Nash, co-founder and CEO of Daffy, joins us today to explain how donor-advised funds (DAFs) went from stuffy tools for the ultra-wealthy to something you can open on your phone. Daffy is a fast-growing fintech platform and community for charitable giving, made for everyday people. Adam shares the pandemic-era "why now" behind Daffy, how traditional donor-advised funds quietly skim high AUM fees while setting eye-watering minimums, and walks through Daffy's flat-fee, app-first model.    This episode also covers:  ✅ What donor-advised funds are and why they've been hidden from most everyday givers  ✅ DAFs for tax optimization (bunching, appreciated stock, estate planning)  ✅ How to turn giving into a family and workplace culture (campaigns, matching, gift links)  ✅ Why Adam sees a DAF as a simple "charitable 401(k)" or mini family foundation without the lawyers, board meetings, or overhead, built to help you be more generous   ==========   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

Episode 189. Drew and Fuse recap Las Vegas MEX conference, DMS party, If you need clean or dirty songs, and DMS top picks. Tune in and check out the newest episode! 0:00 - Las Vegas MEX review, DMS Party 12:15 - Social Media Topic 25:47 - DMS Top Picks of the Week DAFS OPEN FORMAT CHEAT SHEET LINK: https://www.patreon.com/posts/dafs-cheat-sheet-148150833?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link

In this data-packed episode of The First Day from The Fund Raising School, host Bill Stanczykiewicz, Ed.D., welcomes back philanthropic powerhouses Genevieve Shaker, Ph.D., and Dan Heist, Ph.D., to unpack the brand-new Donor Advised Fund Research Collaborative report. And folks, the headline is clear: DAFs are not just “a thing,” they are a major thing. With $90 billion flowing into donor advised funds in 2024 and a record-setting $65 billion flowing back out in grants. Contributions rebounded sharply after a 2023 dip, mirroring stock market recovery, and now represent roughly 15% of all charitable giving in the U.S. That's not pocket change, that's a seismic shift in how philanthropy moves. One of the biggest evolutions? The rise of “donation processors.” Think workplace giving platforms and online tools quietly powering charitable accounts behind the scenes. These platforms have helped push the total number of DAF accounts to 3.6 million, doubling in just five years. Some of these accounts are smaller and transactional, but together they're transforming access to philanthropy. The barrier to entry has dropped so low that opening a DAF can require little to no initial investment. Translation: this isn't just for the ultra-wealthy anymore. The “millionaire next door” may now be the “DAF holder next door.” The episode also tackles the payout debate, and yes, there's math, but the good kind. The reported payout rate of 25% (compared to private foundations' typical 5–6%) reflects grants made relative to assets held at the start of the year. Meanwhile, the “flow rate,” dollars out compared to dollars in, shows even more velocity. While most DAFs are actively granting, about 8–10% remain relatively inactive over time, sparking ongoing policy discussions. But the data tell a powerful story: when contributions rise, grantmaking rises too. DAF donors aren't just storing wealth, they're moving it. For fundraisers, the takeaway is crystal clear: get in the game. Ask donors if they have a DAF. Add it to your event forms. Include it in major gift conversations. Use the publicly available data to identify sponsors in your region and benchmark your results. DAFs are increasingly central to philanthropic strategy across income levels, and fundraisers who understand payout rates, flow dynamics, and donor motivations will be better equipped to engage today's strategic givers. Bottom line? The money is moving, and the fundraisers who are informed, curious, and proactive will be right there to help direct it toward mission.

Do you want to pay less in taxes and keep more of your hard-earned money? In this episode, Dan Kaminski joins Russ and Joey to discuss a little-known tax strategy used by billionaires to protect their wealth and reduce tax liability. They explore private family foundations, showing how everyday investors can use these tools to create tax savings while contributing to charitable causes.Dan explains how billionaires leverage this strategy to build generational wealth, focusing on preserving and passing down assets while gaining tax advantages. He highlights the key features of establishing a private family foundation and how it can serve as a wealth-building tool beyond traditional investment channels.They also discuss how the strategy compares with other options, such as donor-advised funds (DAFs), and why it's a game-changer for high-net-worth individuals.Top three things you will learn:-How private family foundations can be used to build and protect generational wealth-The benefits of using a private family foundation compared to donor-advised funds-Practical steps to set up and leverage a private family foundation for tax savingsAbout Our Guest:Dan Kaminski established Foundation Launch in 2023 to answer his own question: "How do I start and manage a foundation without being a billionaire?" As the organization's name implies, Dan's sole focus is on establishing and managing private foundations, widely regarded as the gold standard of charitable vehicles.Dan believes that with a foundation, you can increase your impact and define your legacy in a tax-deductible way. By investing the foundation assets, you can grow the endowment in a tax-exempt environment and eventually give far more than you could have personally. Control of your foundation and its assets can be passed down to future generations, perpetuating your values and continuing your charitable work, far beyond your lifetime.Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.Connect with Dan Kaminski:- Website - https://wealthwithoutwallstreet.com/pff

Key Trends in Donor-Advised Funds and AI's Role in Nonprofits In this episode of the Nonprofit Newsfeed, the hosts discuss significant trends shaping the nonprofit sector, focusing on Donor-Advised Funds (DAFs) and AI's evolving impact. Main Topics: Website Update: The Nonprofit Newsfeed site has been revamped for better user experience and branding. Donor-Advised Funds (DAFs): Predicted to exceed $450 billion in assets, indicating mainstream adoption. Nonprofits should adapt strategies to include dedicated DAF donation pages. DAFs are becoming accessible beyond ultra-wealthy donors. AI and Nonprofits: The era of "free AI" is ending, with rising costs expected for AI tools. Nonprofits need to strategize for continued AI access, possibly through collaboration. Digital inequity concerns as AI access may widen the gap for underserved communities. Candid's Strategy: Candid aims to become a key AI data source amid workforce reductions. Reflects challenges in content monetization due to AI-driven changes. Innovative Community Solutions: The Nomad Alliance in Utah operates a mobile shelter for the homeless, showcasing empathy-driven innovation. Key Insights: DAF growth offers new fundraising avenues but requires strategic adaptation. Rising AI costs necessitate proactive planning by nonprofits. Candid's pivot highlights changing data dissemination dynamics in philanthropy. Community-driven solutions like the Nomad Alliance demonstrate impactful innovation. Call to Action: Evaluate and update fundraising platforms for DAF contributions. Explore collaborative strategies for AI tool access as costs increase. Draw inspiration from innovative community projects for addressing local needs.

Key Trends in Donor-Advised Funds and AI’s Role in Nonprofits In this episode of the Nonprofit Newsfeed, the hosts discuss significant trends shaping the nonprofit sector, focusing on Donor-Advised Funds (DAFs) and AI’s evolving impact. Main Topics: Website Update: The Nonprofit Newsfeed site has been revamped for better user experience and branding. Donor-Advised Funds (DAFs): Predicted to exceed $450 billion in assets, indicating mainstream adoption. Nonprofits should adapt strategies to include dedicated DAF donation pages. DAFs are becoming accessible beyond ultra-wealthy donors. AI and Nonprofits: The era of “free AI” is ending, with rising costs expected for AI tools. Nonprofits need to strategize for continued AI access, possibly through collaboration. Digital inequity concerns as AI access may widen the gap for underserved communities. Candid’s Strategy: Candid aims to become a key AI data source amid workforce reductions. Reflects challenges in content monetization due to AI-driven changes. Innovative Community Solutions: The Nomad Alliance in Utah operates a mobile shelter for the homeless, showcasing empathy-driven innovation. Key Insights: DAF growth offers new fundraising avenues but requires strategic adaptation. Rising AI costs necessitate proactive planning by nonprofits. Candid’s pivot highlights changing data dissemination dynamics in philanthropy. Community-driven solutions like the Nomad Alliance demonstrate impactful innovation. Call to Action: Evaluate and update fundraising platforms for DAF contributions. Explore collaborative strategies for AI tool access as costs increase. Draw inspiration from innovative community projects for addressing local needs. -------- NonprofitNewsfeed.com Summary of hundreds of news sources.The post Why 2025 Will Set a Record for DAF Asset Growth, and What It Means for Your Nonprofit (news) first appeared on Nonprofit News Feed.

Mitch Stein In this timely and data-packed episode, Rob Harter sits down with Mitch Stein, Head of Strategy at Chariot, to unpack one of the most important—and fastest-growing—trends in nonprofit fundraising: Donor-Advised Funds (DAFs). With economic uncertainty, shifting donor behavior, and fewer individuals giving overall, nonprofit leaders must understand how to meet donors where they are. And increasingly, that's through DAFs. Mitch shares eye-opening statistics, including that nearly 20% of all charitable donations now come from DAFs, totaling $65 billion in grants in 2024 alone. He explains how DAFs work, why donors love them, common misconceptions around payout rates, and—most importantly—how nonprofits can create a clear and effective DAF strategy to increase revenue and donor engagement. If you're looking to future-proof your fundraising efforts, this is a must-listen episode. Key Topics Include: The explosive growth of Donor-Advised Funds (DAFs), with $326 billion currently held in DAF accounts Why approximately 1 in 5 charitable dollars now comes from a DAF How DAFs work and the tax advantages that attract donors Common misconceptions about DAF payout rates and “hoarding” concerns The 10x increase in average gift size when donors switch from credit cards to DAFs Practical steps nonprofits can take to build a DAF strategy How to leverage DAF Day and integrate DAF messaging into existing fundraising campaigns Mentioned in This Episode: Chariot This Episode is Sponsored By: DonorBox Links to Resources: Interested in Leadership and Life Coaching? Visit Rob's website: RobHarter.com Find us on YouTube: Nonprofit Leadership Podcast YouTube Channel Suggestions for the show? Email us at nonprofitleadershippodcast@gmail.com Request a sample coaching session: Email Rob at rob@robharter.com Subscribe and ShareListen and subscribe to the Nonprofit Leadership Podcast on iTunes, Spotify, or Amazon. Don't forget to like, subscribe, and share with other nonprofit leaders!

If you're already giving to charity, you're leaving thousands of dollars in tax deductions on the table. What is a donor-advised fund and why should you care? Mike sits down with Adam Nash, CEO of Daffy, to break down how Donor-Advised Funds (DAFs) work and why they can be a powerful tax strategy for business owners and high-income earners. If you regularly give to your church, your kids' school, your alma mater, or other charities, this episode shows you how to give more strategically, reduce taxes, and increase your impact.

Donor-advised funds (DAFs) are no longer a niche tool for ultra-wealthy donors—they're a fast-growing, fragmented ecosystem holding more than $326 billion in charitable assets and expanding at ~25–30% annually. In this episode of the Whole Whale Podcast, Mitch Stein, Head of Strategy at Chariot, breaks down what's really happening inside the DAF economy: over 1,400 DAF programs, millions of households using them, payout rates that consistently exceed private foundations, and a surge in contributions driven by appreciated stock and late-year tax planning. The takeaway for nonprofits is clear: DAFs are becoming a mainstream giving vehicle, not an edge case, and ignoring them means ignoring where a growing share of charitable dollars now live. We also dig into the friction problem—and why it matters. DAFs reduce the mental friction of giving by separating “how much to give” from “where to give,” but outdated workflows still create drop-off at the moment of donation. Chariot's role is to remove that last mile of friction through shared infrastructure like DAF Pay, making it as easy to give from a DAF as using Apple Pay. The result: higher conversion, larger gift sizes, and more money actually moving to nonprofits. For fundraisers, the message is practical and urgent—get DAF-ready, normalize DAF giving, and stop treating it like a rare edge case. The money is there. The question is whether your organization is easy to give to. Sector Data & Reports Annual DAF Report 2025 — Donor Advised Fund Research Collaborative (latest US DAF stats including assets, contributions, payouts, and account counts) https://www.dafresearchcollaborative.org/annual-daf-report/2025 DAF & Payout Rate Insights — Chariot Resource on 2025 DAF Report for Fundraisers (breakdown of payout rates vs private foundations, DAF trends) https://www.givechariot.com/resources/insights/7-top-takeaways-from-the-new-2025-daf-report-for-nonprofit-fundraisers Annual Donor Advised Fund Report Overview (NPT/DAF Research Collaborative) https://www.nptrust.org/reports/daf-report/

Start your year with clarity and direction. In this episode of Real Talk for Real Fundraisers, Jeff Schreifels is joined by Diana Frazier, Senior Client Experience Leader at Veritus Group, for a practical, no-fluff conversation about what actually matters for fundraisers heading into 2026. Whether you're a frontline major gift officer managing a caseload, a development director overseeing a team, or an executive director trying to remove organizational roadblocks, this episode lays out six priorities that separate reactive fundraising from disciplined, relationship-based growth. Jeff and Diana dig into what they're seeing every day in coaching conversations with fundraisers across the country. In an era of AI, automation, and constant distraction, the organizations winning in 2026 are the ones that stay relentlessly focused on planning, accountability, and donor relationships, while leaders do the hard work of fixing systems that quietly undermine success. This episode offers clear guidance on how to build donor plans without overwhelm, why mid-level programs are now non-negotiable, and how to leverage tools like AI and donor-advised funds without losing the human connection that drives major gifts. This grounded, tactical conversation is designed to help you simplify your focus, remove friction, and set up your strongest fundraising year yet! Show Highlights: In this episode, you'll learn about… How to create a clear, customized plan for every donor using a simple 30-60-90 day framework that keeps fundraisers proactive instead of reactive What leaders must do to remove internal barriers, align teams, and ensure donors can give at their full capacity Why relationship-based mid-level programs are now essential, and how they are driving consistent revenue growth while feeding major gift pipelines How to approach donor-advised funds (DAFs) and AI tools strategically, using both to increase impact and efficiency without sacrificing personal donor relationships Veritus Group is passionate about partnering with you and your organization throughout your fundraising journey. We believe that the key to transformative fundraising is a disciplined system and structure, trusted accountability, persistence, and a bit of fun. We specialize in mid-level fundraising, major gifts, and planned giving, helping our clients to develop compelling donor offers and to focus on strategic leadership and organizational development. You can learn more about how we can partner with you at www.VeritusGroup.com.   Additional Resources:   [Blog] 2026 Non-Profit Fundraising Trends Every Fundraiser Needs to Know [White Paper]  Building a Culture of Philanthropy [Blog] Donor Advised Funds Series, Part 1: Your Donors Stopped Giving. True or False? 

Them boys are back in town. Episode 183 after a short winter the DAFS talk about new brand logo, website, new segments and catch up.

As one of the most popular ways of contributing to philanthropy, Donor-advised funds are quietly changing the landscape, offering both unprecedented opportunity and unique challenges for nonprofits. By understanding the psychology behind DAFs, fundraisers can understand why donors act faster, give more generously, and engage differently than through traditional channels. Join with us and explore practical strategies for organizations to meet donors where they are, optimize relationships, and unlock the full potential of DAFs as a tool for sustained impact. Mitch Stein is the head of strategy at Chariot, a financial technology company focused on Donor Advised Fund payments. After having a career of 7 years at Goldman Sachs as an investment banker, Mitch joined the nonprofit space, bringing high-impact innovation that is much needed to the landscape of philanthropy. In 2020, he founded Pond, a marketplace connecting nonprofits with tools and service providers. This experience has given him a broad, practical view of the nonprofit ecosystem which he now brings to one of the fastest-growing and most complex areas of modern philanthropy. Key takeaways from the episode:  Culture is the most influential force on human behavior. Understanding culture requires a shared definition. Cultural lenses affect how we perceive and interact with the world. Social norms guide our behavior in various contexts. Fast culture changes quickly, while slow culture evolves gradually. Fundraising practices are deeply influenced by cultural beliefs. Positive experiences in giving can reshape perceptions of philanthropy. Storytelling is essential for nonprofits to connect with their audience. Small changes can lead to significant cultural shifts over time. Agency in giving is crucial for fostering genuine generosity. Get all the resources from today's episode here.  Support for this show is brought to you by Practivated. Practivated delivers AI-powered donor conversation simulations that let fundraisers practice in a private, judgment‑free space—building confidence, refining messaging, and improving outcomes before the real conversation even begins. Developed by fundraising experts with real‑time coaching at its core, it's the smart way to walk into every donor interaction calm, prepared, and ready to connect. Learn more at practivated.com. Connect with me:  Instagram: https://www.instagram.com/_malloryerickson/ Facebook: https://www.facebook.com/whatthefundraising YouTube: https://www.youtube.com/@malloryerickson7946 LinkedIn: https://www.linkedin.com/mallory-erickson-bressler/ Website: malloryerickson.com/podcast Loved this episode? Leave us a review and rating here: https://podcasts.apple.com/us/podcast/what-the-fundraising/id1575421652 If you haven't already, please visit our new What the Fundraising community forum. Check it out and join the conversation at this link. If you're looking to raise more from the right funders, then you'll want to check out my Power Partners Formula, a step-by-step approach to identifying the optimal partners for your organization. This free masterclass offers a great starting point.

For those business owners who desire to give from their profitability, a donor advised fund (DAF) can allow them to donate into their DAF in late December for their tax deduction. Then in January, the business owners can determine to which ministries they desire to give. DAFs, however, take away the urgency of selecting ministries ... The post Extended Generosity appeared first on Unconventional Business Network.

Melissa Bank Stepno is the President & CEO of The Helen Brown Group and the Managing Director of DAFinitive, "the only searchable database that helps you find more information about donor advised funds." Melissa joins the podcast to talk about the decision to create and manage a database in the increasingly large field of donor advised funds. Melissa describes how her team uses human-powered sources to research giving using DAFs, and catalogs that information with links out to sources when possible. Those links are often backed-up on Archive.org, the Internet's Way Back Machine, to provide access to source sites that may since have changed or removed the data. The DAFinitive team works to connect the names of donors behind the funds when possible, realizing that sometimes donors are choosing anonymity and sometimes the data is just harder to find. Many family foundations are now using DAFs, and increasingly new donors are eschewing family foundations entirely in favor of DAF giving. Listeners are welcome to visit DAFinitive.com and request a demo to see the tools in action

Happy New Year!

This segment is informational, not tax advice.For more information: https://www.irs.gov/https://breslowstarling.com/https://www.nobleknights.org/ways-to-give Produced by Noble Academy, a school for students with learning differences in Greensboro, NC. https://www.nobleknights.org/

Jeremy Keil explains the top 3 tax efficient strategies for charitable giving in 2025. Most people give to charity because it's meaningful to them — not because of the tax break. And that's the right mindset. But if you're already giving, it makes sense to be intentional and structure that giving in a way that helps you keep more of your hard-earned money. In this episode of Retire Today, I walk through the top three charitable giving strategies for 2025, especially in light of new tax rules taking effect in 2026 and important changes already happening this year. With only a limited window left before year-end, now is the time to understand your options. The key is planning — not reacting in April. Why 2025 Is a Unique Giving Year Late in the year, you usually have a clear picture of your income and tax bracket. That makes it the perfect time to decide when and how to give. With upcoming changes like: A new 0.5% AGI floor on charitable deductions starting in 2026 A cap on the value of deductions for high earners A higher SALT deduction limit already in effect 2025 offers an opportunity to be proactive instead of passive. Depending on your income, it may make sense to pull future giving forward — or delay certain gifts until next year. But that decision should be made intentionally, not by default. Strategy #1: Bunch Your Charitable Deductions Bunching means combining multiple years of charitable giving into a single tax year to exceed the standard deduction and unlock itemized deductions. For example, if you normally give $10,000 per year to charity but don't itemize, you may get no tax benefit at all. But by contributing two to four years of giving in one year, you may be able to itemize and deduct the full amount. The most effective way to do this is through a donor-advised fund (DAF). A DAF lets you: Take the tax deduction now Give to charities later, on your preferred schedule Keep your giving consistent for the organizations you support This separates the timing of your tax deduction from the timing of your charitable gifts — a powerful planning tool when income fluctuates. Strategy #2: Donate Appreciated Investments Instead of Cash One of the most tax-efficient ways to give is donating long-term appreciated investments from a taxable brokerage account. When you sell an investment that has gone up in value, you owe capital gains tax. When you donate that same investment directly to charity (or to a donor-advised fund), you: Avoid paying capital gains tax Receive a charitable deduction for the full market value Remove a concentrated position from your portfolio This strategy is especially effective after strong market years like 2023, 2024, and 2025, when many investors are sitting on significant unrealized gains. To qualify, the investment must be held for more than one year (long-term capital gain). Many custodians automatically select the most tax-efficient shares when processing these donations, making the strategy easier to implement than most people expect. Strategy #3: Use Qualified Charitable Distributions (QCDs) For those age 70½ or older, Qualified Charitable Distributions are often the most powerful giving strategy available. A QCD allows you to send money directly from your traditional IRA to a qualified charity. That money: Never shows up as taxable income Can satisfy Required Minimum Distributions (once applicable) Reduces future RMDs by shrinking your IRA balance Many retirees make the mistake of taking IRA withdrawals, depositing the money into checking, and then writing checks to charity. That approach often increases taxable income, affects Social Security taxation, and can raise Medicare premiums — even if a charitable deduction is available. QCDs avoid those issues entirely by keeping the income off your tax return in the first place. Even if you're not yet subject to RMDs, starting QCDs early can still make sense if part of your regular spending includes charitable giving. Putting It All Together These three strategies often work best in combination: Use donor-advised funds to bunch deductions Fund those DAFs with appreciated investments Use QCDs once you reach age 70½ But none of this should be done blindly. The right approach depends on: Your income this year and next Whether you itemize or take the standard deduction Your charitable goals Your long-term retirement and tax plan The most important step is projecting your tax situation before the year ends and making decisions on purpose — not by default. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Trump's Big Beautiful Bill Could Change Retirement FOREVER!” – Mr. Retirement YouTube Channel “Maximize your Tax Benefits by BUNCHING Charitable Donations!” – Mr. Retirement YouTube Channel “How the SALT Deduction Cap Works If You Make Over $500,000 (2025 Tax Update)” – Mr. Retirement YouTube Channel “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel “What is the 2025 QCD Limit? (Qualified Charitable Distributions” – Mr. Retirement YouTube Channel Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode of The Liquidity Event, AJ and Shane dive into billionaire wealth gaps, UK "rags to riches" stories, and what happens when fast financial success reshapes friendships. They unpack media narratives, economic inequality, and why Business Insider profiles might not tell the full truth. The conversation expands into EU vs. US tech power, streaming-platform consolidation, and the rise of "enshittification" across the internet. AJ and Shane also cover year-end money moves, including FSA/HSA spending strategies, Trump Accounts, and how early-life investment programs could change generational wealth. They discuss credit-building hacks, life-changing compounding math, and the personal finance implications of giving every American baby a federally funded investment account. The episode closes with a look at what to do with an extra $100K at year-end — plus a few fun ideas for how to blow it in six hours. Key Timestamps (00:00) Bemelmans Bar recap and the Shrimp Cocktail Index (03:00) Rags-to-riches story: £20M in 8 years and the fallout of fast success (05:00) "Self-made" narratives, Bill Gates' daughter, and privilege vs. perception (08:10) UK vs. US GDP, economic decline, and foreign ownership concerns (09:30) Big Tech fines in the EU and the power imbalance with U.S. platforms (11:45) Streaming chaos: Netflix, Warner Bros., pirating, and lost media access (12:50) "Enshittification" explained — how platforms get worse over time (13:20) FSA/HSA hacks, eligible gift ideas, and Peloton letters of medical necessity (16:30) Trump Accounts, Dell family matching, and life-changing compounding math (26:00) What to do with an extra $100K — loans, DAFs, mortgages, and dream spending  

In the season of giving, we're discussing making charitable contributions in 2025 and 2026. Americans are known for their generous donations to worthy causes, but understanding the best ways to give and maximize your tax benefits is key. This episode covers four effective strategies for making charitable contributions, from utilizing Qualified Charitable Distributions (QCDs) from your retirement accounts to cash donations, gifting highly appreciated stock or real estate, and using donor-advised funds. I also break down recent and upcoming tax law changes that impact your ability to itemize and deduct charitable donations, ensuring you avoid common pitfalls and make the most of your generosity. Whether you're planning a gift this year or thinking ahead, this episode is packed with actionable tips to help you give back and plan for a successful retirement.  You will want to hear this episode if you are interested in... [00:00] Charitable giving and tax benefits. [05:01] Managing qualified charitable distributions. [08:03] Charitable deductions and rules changing in 2026. [13:17] Benefits of donor-advised funds. [16:23] Charitable contributions for tax deductions. Four Smart Strategies for Charitable Giving in 2026 Charitable giving is at the heart of American generosity, with billions donated annually to causes that matter. But did you know your generosity can also be a powerful tool in your tax strategy, especially as rules shift for 2026?  1. Qualified Charitable Distributions (QCDs): Tax Breaks from Your Retirement Account If you're 73 or older and taking required minimum distributions (RMDs) from a traditional IRA, a Qualified Charitable Distribution (QCD) can be a game-changer. Instead of taking your full RMD as income (which is taxable), you can direct some, or all, of it straight to a qualified 501(c)(3) charity. This distributed amount is excluded from your taxable income, potentially lowering your tax bill and even your Medicare premiums. But details matter: The money must transfer directly from your IRA to the charity. You can't touch the funds yourself and then donate. The charity must be a registered 501(c)(3). When you receive your year-end 1099-R tax form, it won't indicate how much was a QCD. You (or your accountant) must reduce your taxable income by the QCD amount and annotate "QCD" on your return. Forgetting to do so can result in unnecessary taxes. By leveraging QCDs, retirees not only support their favorite causes but also make the most of their hard-earned savings. 2. Cash Donations: Navigating Itemizing and New Deduction Thresholds Traditional cash donations are an easy way to support charities and reduce taxes, but the benefits depend on your ability to itemize deductions. Until recently, many households in high-tax states struggled to itemize due to the $10,000 state and local tax (SALT) deduction cap. Big change for 2026 - 2029: The SALT cap jumps to $40,000, making itemizing possible for more people. If your itemized deductions, including mortgage interest, medical expenses, property taxes, and charitable gifts, exceed the standard deduction, your donations can reduce your taxable income. In 2026, a $1,000 per individual (or $2,000 per couple) charitable deduction will be available even if you don't itemize. However, your charitable giving must exceed 1.5% of your adjusted gross income to become deductible, creating a new bar to qualify. Careful timing and documentation of donations can help maximize these new opportunities. 3. Donating Appreciated Assets: Stocks and Real Estate If you're sitting on highly appreciated stocks or real estate, donating them directly to charity can deliver a double tax benefit: You avoid paying capital gains tax on the asset's increase in value, and you can also deduct the current market value of your donation (subject to certain AGI limits: 30% for appreciated assets). To qualify: The asset must have been held for at least one year. For real estate valued above $5,000, an independent appraisal is required. Charities get the full value, and you skip the capital gains tax bill. If your donation exceeds the allowed AGI percent, you can carry the excess deduction forward up to five years. 4. Donor Advised Funds: Flexible Giving, Immediate Deductions A Donor Advised Fund (DAF) is a charitable investment account. You can donate cash, stocks, or other assets now and get an immediate tax deduction, but distribute the funds to your chosen charities later, at your own pace. Why use a DAF? It allows for strategic, larger contributions (helpful in years with unusually high income). You enjoy flexibility in choosing and timing your ultimate beneficiaries. Major brokerages like Fidelity, Schwab, and Vanguard offer DAFs, with differing minimum contributions and low-cost investment options. Keep in mind that there are administrative fees (roughly 0.60% on the first $500,000), but DAFs are simpler and less costly than setting up a private foundation. Smart Giving Starts with Smart Planning As 2026 approaches, take time to review your charitable and tax strategy. Whether using QCDs, cash gifts, appreciated assets, or a donor-advised fund, the tax code changes mean new opportunities, and some fresh requirements. Consult a financial advisor to fit these options to your personal circumstances and maximize the impact of your generosity for both your favorite causes and your family's financial wellbeing. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Schwab  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

After you listen:Visit DAFgiving360.org to find the all the donor-advised fund resources Julie mentioned and more.Read "Estate Planning: Lessons from a Loss" to learn how you don't have wait until after death to give to charity and strengthen your legacy.Listen to the Choiceology episode "Happiness: With Guests Scott Harrison & Mike Norton" to hear more about the behavioral science research showing a link between happiness and generosity.In this episode of Financial Decoder, Mark Riepe is joined by Julie Sunwoo, president of DAFgiving360™, to discuss the significance of donor-advised funds (DAFs) in charitable giving. Julie explains how DAFs work, their benefits, and how they can be integrated into broader financial strategies like estate planning. Their conversation addresses common misconceptions about DAFs, the impact of tax laws on charitable contributions, and current trends in philanthropic giving. Mark also asks Julie for insight into researching and selecting charities, aligning them with your personal values, and what the future might hold for financial giving. Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Contributions of certain real estate, private equity, or other illiquid assets may be accepted via a charitable intermediary, with proceeds transferred to a donor-advised fund (DAF) account upon liquidation. Call DAFgiving360 for more information at 800-746-6216.A donor opening a professionally managed account must recommend an independent investment advisor, who, if approved by DAFgiving360, will manage the assets contributed to the account. Advisors must meet certain eligibility requirements, including working with Schwab Advisor Services™, a business segment of The Charles Schwab Corporation, and agree to the Investment Advisory Agreement.Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1225-HZV8 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With my music episodes, I try to present to you evergreen tracks that will be with you for a while. I subscribe to a ton of record pools beyond digging through blogs, Patreon, streaming services, Shazam, and the like. I thought I would share my top 20 most interesting musical track finds with you from the month of December 2025. Bonus: I'll give you the source on where to find the tracks I talk about. Not only do I hope to save you time in finding gems but I also give you my take on how/where I use them within my sets. My Patreon Shop is live! Grab documents and music listings a la carte. I'm on YOUTUBE! Please subscribe and share. Thanks in advance.Check out my podcast website and my premium podcast content community page.DJs: Interested in Heavy Hits Music Pool? Go to https://heavyhits.com/For my podcast listeners only, enter promo code: BRIANB - it gets you a 30 day trial for $5. Try it now.DJs: Did you know I launched a course? It's called the "Value Based DJ Course" which will help you land your ideal clients, get paid what you need and give you the flexibility to figure out how many events you want to work. Get it today at https://www.thedjscreativeedge.com/Have a topic you want covered? Drop me a DM at @thetraveldjblend. Has this podcast helped you? Share your thoughts by leaving a review on the Apple Podcast App.

Most people don't give at year-end because they're saints. They give because of taxes… and then hope the IRS sees it the way they do. In this episode, I bring back estate planning attorney Griffin Bridgers and walk through year-end giving in four parts: Hook & Setup, The BS We're Fed, No BS Reality, and Do This Next.In the Hook & Setup, we talk about why year-end giving turns into chaos so easily — last-minute donations, rushed transfers, and families confusing “being generous” with “throwing money at the calendar.” Griffin breaks down the timing problem most people ignore: if you're wiring money or donating stock on December 30th, you're not planning, you're gambling on processing times and paperwork.In The BS We're Fed, we call out the myths: “Just give by 12/31 and you're good,” “cash is king,” and “philanthropy is for the ultra-wealthy.” Griffin walks through how the $19,000 annual exclusion, the massive lifetime exemption, and the idea of foundations vs. donor-advised funds (DAFs) really work — not how social media and marketing spin it.Then we move into No BS Reality. We talk about starting with what you actually want to leave behind — for your family and for causes you care about — and working backward from there. We dig into why relying only on thick legal documents is a trap if nobody can access your accounts, devices, or logins. This is where Griffin introduces his Death Manual concept and his Inherit Substack, where he's building out the playbook for organizing your real life, not just your paperwork.Finally, in Do This Next, we get practical. We lay out simple steps: pick your giving strategy for this year, decide what you're actually going to give (cash, stock, or something else) with your CPA, start your own Death Manual with one password and one account list, and choose a “giving day” you repeat every year instead of panicking at the deadline.If you've ever said, “I know I need to get my will done” and then ghosted the process for years, this episode is your reset button — not perfect, not theoretical, just real moves to stop leaving a mess behind.

The greatest opportunity in philanthropy today isn't just the transfer of wealth, it's the transfer of values across generations. With trillions set to move from silent, high-capacity families into foundations and DAFs, nonprofits must build relationships that go far beyond the matriarch and patriarch. The organizations that thrive will be the ones mapping families, engaging heirs early, personalizing communication, and becoming trusted conveners of multi-generational giving conversations. When done well, you don't just secure a gift, you become part of a family's story for decades.

This Day in Legal History: Lee Harvey Oswald ShotOn November 24, 1963, two days after President John F. Kennedy's assassination, the nation watched in shock as Lee Harvey Oswald—the alleged assassin—was gunned down on live television. The shooter, Dallas nightclub owner Jack Ruby, entered the basement of the Dallas police headquarters and fatally shot Oswald as he was being transferred to the county jail. The killing unfolded in front of journalists, cameras, and law enforcement, searing itself into the American consciousness and further fueling public distrust in official accounts of the assassination.Though Ruby claimed his act was motivated by grief and a desire to spare Jacqueline Kennedy the ordeal of a trial, his actions raised immediate concerns about the adequacy of security in high-profile cases. Oswald's death eliminated any opportunity for a public trial, which would have offered a transparent legal accounting of the events in Dallas. Ruby was later convicted of murder, though his conviction was overturned on appeal before he died of cancer in 1967.The legal ramifications of Oswald's televised murder were broad and lasting. It led to reforms in detainee protection, prompted scrutiny over media access in sensitive law enforcement operations, and spotlighted the vulnerability of chain of custody and judicial process in emotionally charged cases. The event also highlighted the need for careful separation between law enforcement procedures and the media spectacle surrounding them. Ruby's case prompted legal scholars to revisit the balance between a defendant's right to a fair trial and the public's right to observe proceedings.This legal flashpoint helped set the stage for subsequent debates about pretrial publicity, venue changes, and judicial instructions to mitigate media influence on juries. It also foreshadowed a new era where courtroom access and high-profile criminal justice collided in an age of mass media.The U.S. Court of Appeals for the D.C. Circuit will hear arguments in a press freedom case between the Associated Press (AP) and President Donald Trump's administration. The case centers on whether the White House violated constitutional protections by restricting AP's access to presidential events after the agency refused to adopt Trump's preferred term “Gulf of America” instead of the long-recognized “Gulf of Mexico.”In April, a federal judge—appointed by Trump—granted a preliminary injunction in AP's favor, requiring the administration to restore the agency's full access. However, the appeals court later paused that ruling while it considers the government's challenge. The Trump administration argues that news organizations do not have a constitutional right to “special access” to areas like the Oval Office.AP's lawsuit, filed in February, claims the restrictions are retaliatory and violate the First and Fifth Amendments. The case has drawn attention for its potential implications beyond journalism, touching on the broader question of whether the government can punish speech that conflicts with its messaging. The administration has defended its actions as part of a general press policy rather than targeted retaliation.The conflict escalated after Trump signed an executive order to rename the Gulf, which AP chose not to adopt due to its editorial standards. The White House then limited the agency's access and removed AP and Reuters from the regular press pool. AP has framed the case as critical to preventing government coercion of the press.US appeals court to rule if Trump can ban AP from Oval Office | ReutersNewly unsealed court filings allege that Meta Platforms shut down internal research after discovering evidence that Facebook use caused measurable harm to users' mental health. In a 2020 internal study, dubbed “Project Mercury,” Meta partnered with Nielsen to examine the effects of Facebook deactivation. Users who left the platform for a week reported lower levels of depression, anxiety, loneliness, and social comparison—results the company allegedly found troubling enough to halt further study and dismiss as tainted by public bias.Despite internal acknowledgment that the findings were valid, Meta did not publish the results and later told Congress it could not quantify harm from its products. The lawsuit—filed by U.S. school districts against Meta, TikTok, Snapchat, and Google—claims the platforms concealed known risks from users, parents, and educators. Plaintiffs also allege that Meta's safety features were deliberately underdeveloped, and that high thresholds for user removal allowed exploitative behavior to persist unchecked.Among the more serious accusations: Meta allegedly deprioritized child safety concerns in favor of platform growth, suppressed internal safety testing, and allowed human trafficking accounts to remain active until repeated violations were flagged—up to 17 times. Plaintiffs say Meta and other companies also tried to buy favorable public positioning by sponsoring child advocacy groups, such as TikTok's internal brag about its influence over the National PTA.Meta has denied the allegations, calling them misleading and based on selective quotes. The company says it has robust teen safety measures and that accounts involved in trafficking are now removed upon first report. A hearing on the matter is scheduled for January in federal court.Meta buried ‘causal' evidence of social media harm, US court filings allege | ReutersThe Trump administration is moving forward with plans to dismantle the U.S. Department of Education and relocate its functions across six other federal agencies, including Labor and Health and Human Services. According to multiple sources familiar with the effort, senior officials and department directors have been required to sign non-disclosure agreements (NDAs), an uncommon move for a civilian agency without a national security mandate. These agreements are reportedly being used to limit information sharing as the reorganization proceeds behind closed doors.Education Secretary Linda McMahon announced the restructuring this week, framing it as a way to “end federal micromanagement” while still supporting education through other agencies. Some staff have already transitioned to new posts, and more are expected to relocate by January. However, specifics on the timeline and scope of the overhaul remain vague, even to congressional oversight committees and education advocates.Critics argue the administration is sidelining Congress and the public in what they call an opaque and potentially destabilizing shift. Senator Patty Murray called the effort “sabotage,” citing the lack of transparency and collaboration. Meanwhile, McMahon has reportedly met with lawmakers and urged Congress to formalize the changes through legislation, though no formal bill has yet been introduced.US Education Department requiring non-disclosure agreements in Trump reorganization, sources say | ReutersIn a deep-dive investigation, FOIAball uncovered how UCLA Athletics appears to have routed large sums of money intended for football player NIL (Name, Image, and Likeness) deals through a tax-exempt charity—Shelter 37, run by the co-founder of the school's official NIL collective, Bruins for Life. This maneuver may have allowed donors to receive tax deductions for contributions that ultimately compensated athletes, despite recent IRS rulings stating such collectives do not qualify for charitable status.Emails obtained through public records show that UCLA development staff actively coached donors to send checks to Shelter 37 while explicitly designating those funds for Bruins for Life, the school's NIL program. These emails often discussed timing, amounts, and communication with the charity's leadership to ensure the money was redirected as intended. In several cases, UCLA staff reassured donors that contributions through donor-advised funds (DAFs)—normally restricted from supporting private benefit—could be routed to Shelter 37 and still benefit athletes.After the IRS began denying charitable status to NIL collectives in 2023 due to private benefit concerns, most programs shifted to non-deductible donations. But UCLA's workaround relied on Shelter 37's 501(c)(3) status to continue offering donors deductions, despite Shelter 37's own filings showing the vast majority of its funds in 2024—$3.6 million of $4.8 million—were raised for UCLA football NIL purposes. By contrast, it spent only $200 on scholarships for at-risk youth, its purported mission.Legal experts, including yours truly, told FOIAball that this could constitute fraudulent behavior, noting that charities must exercise control over their funds and serve the public interest—not act as pass-throughs for private benefit. UCLA officials, when asked for comment, did not address the specifics. Meanwhile, Shelter 37's president denied improper coordination but acknowledged the charity paid players to appear at events, an arrangement experts say still violates nonprofit law if the real intent is athlete compensation.How UCLA used a friendly charity to get tax-free NIL money This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

DMS has partnered with BeatSource to enhance streaming capabilities.Streaming is becoming essential for new DJs entering the scene.Serato 4.0 introduces significant features for better DJing experience.Playing for DJs requires a different approach than regular gigs.Creating mini sets can help DJs adapt to live performances.The importance of reading the crowd during a set cannot be overstated.DJs should diversify their music selection for different venues.Humor and light-hearted tracks can enhance the party atmosphere.DJs need to be intentional with their music choices and transitions.The DJing landscape is evolving with technology and streaming services.

Beyond the Checkbook | A Conversation with Rick Peck

In this episode of Civic Warriors, we sit down with Steve Maslin, President and CEO of the Greater Houston Community Foundation (GHCF), to explore how community foundations drive meaningful, lasting impact. Steve shares his journey to GHCF and discusses how the organization partners with local nonprofits and stewards charitable assets to strengthen the Houston region. We'll dive into the role of donor advised funds (DAFs), the importance of strategic philanthropy, and how GHCF is celebrating 30 years of inspiring generosity and community collaboration.Support the show

If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Why This Episode Is a Must-Listen Can strategic generosity help you thrive, emotionally and financially? In this Inspired Money episode, host Andy Wang brings together an expert panel to explore how acts of giving don't just change communities, but transform your own sense of purpose, happiness, and financial health. If you believe philanthropy is only “about the money,” this episode will give you a whole new perspective and practical strategies to make your giving more impactful. Whether you're an individual donor, family foundation, finance professional, or nonprofit leader, this is packed with actionable advice—and heart. Meet the Expert Panelists Caroline Fiennes is the Founder and Director of Giving Evidence, an organization that promotes evidence-based charitable giving to ensure donations create measurable impact. A Visiting Fellow at Cambridge University and author of It Ain't What You Give, It's the Way That You Give It, she is recognized globally as a “charmingly disruptive” expert on effective philanthropy and has advised leading donors, companies, and foundations worldwide. www.giving-evidence.com Paul G. Schervish is Professor Emeritus of Sociology and former Director of the Center on Wealth and Philanthropy at Boston College, where he pioneered research on the moral, social, and emotional dimensions of wealth and giving. A Fulbright Scholar and five-time honoree on The NonProfit Times “Power and Influence Top 50,” he has shaped how scholars and practitioners understand philanthropy as both a financial and spiritual endeavor. http://www.bc.edu/cwp Yvonne L. Moore is the Founder and Managing Director of Moore Philanthropy and President of Moore Impact, bringing over 25 years of experience across government, civil society, and philanthropy. A leading voice in equitable and cross-border giving, she helps families, individuals, and institutions design values-driven strategies that advance social impact in the U.S., Africa, and beyond. https://moorephilanthropy.com Stephen Kump is President of DAFs at Foundation Source, where he leads innovative philanthropic solutions for donors, institutions, and workplaces. A former Bain consultant and U.S. Army officer, he is also the founder of Charityvest and Chairman of Teen Advisors, combining technology and purpose to expand access to effective giving. https://foundationsource.com This episode is sponsored by Runnymede Capital Management. Get your free 3-minute financial plan at https://www.inspiredmoney.fm/getplan and discover your retirement age, income, and strategy today. Key Highlights 1. Building an Impactful Philanthropic Portfolio Caroline discusses why giving should be as strategic as any investment. Rather than random donations, align your charitable “portfolio” with your skills and resources—and verify that you're meeting real needs with evidence-based solutions. She advises, "It's important to think about what you have... Money is the most obvious thing, but there can be other things donors bring as well." 2. The Emotional Rewards of Giving Paul reveals that generosity is deeply connected to happiness and meaning. Drawing on Aristotle's concept of “philia”—friendship love—he explains, “The more you feel the people you are looking to help are actually yourself, or people like those whom you love...the greater is your generosity.” Joy comes from connecting your giving to your deepest values. 3. Values-Driven and Relationship-Centered Giving Yvonne urges donors to engage their families and communities—not just write checks. Impact starts with understanding the problems you're trying to solve, ongoing donor education, and building trust with nonprofits. “Philanthropy is not about wealth, it's about worth and how you understand the worth of other people,” she shares. 4. Technology and Financial Planning Tools for Greater Impact  Stephen demystifies donor advised funds and tax-smart strategies, making giving frictionless and empowering donors to commit more, without financial strain. “We want to put a lot of focus on making the transactional frictionless so the relational can flourish,” he says. From bunching to appreciated stock, financial tools are game changers for modern philanthropists. Call-to-Action Inspired Money Challenge: This week, take one intentional action toward generosity: set up a recurring donation, research a charity before giving, or simply give your time to someone who needs support. Do it with purpose, and notice how it makes you feel. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

In this week's episode of Business Lunch, Roland Frasier and Ryan Deiss continue breaking down the “Bottlenecks” framework—the 11 proven playbooks that billionaires use to grow, protect, and multiply wealth.From AI-driven acquisitions to tax-optimized exits, this conversation dives into the strategies that separate ordinary entrepreneurs from long-term empire builders. You'll hear how the world's wealthiest think about capital allocation, scaling “boring” businesses, and structuring companies for massive, tax-efficient exits.Whether you're scaling your first venture or managing a growing portfolio, this episode is a tactical deep dive into how to think—and act—like a billionaire.Key Takeaways • Tech Is Not a Moat: With AI making innovation easy to copy, your real advantage is distribution and users. • The QSBS Advantage: How the Qualified Small Business Stock exemption can eliminate up to $10M (or more) in capital gains per shareholder. • DAFs & Charitable Strategy: Donor Advised Funds can combine tax savings with long-term impact—if structured correctly. • Boring Businesses, Billionaire Results: Logistics, energy, and real estate can quietly create generational wealth when value is added and scaled. • Capital Cycling: Why the world's best investors (like Blackstone and Berkshire) act like banks—recycling capital and compounding returns.Episode Highlights [00:02:00] – Why tech is easy to copy—and why users, not code, create real enterprise value. [00:10:00] – The billionaire tax play: how QSBS and DAFs legally minimize or eliminate capital gains. [00:18:00] – When to start thinking about tax strategy (hint: usually not before $10M net worth). [00:25:00] – Logistics, land, and “boring” businesses that create quiet fortunes. [00:33:00] – The ESG arbitrage: adding sustainability to raise valuations. [00:40:00] – Network effects and marketplace rollups: creating compounding flywheels. [00:55:00] – The rise of “edge retail”: micro-brands, coffee chains, and inversion models that scale fast. [01:05:00] – Capital cycling and other people's money (OPM): how billionaires play the funding game.Memorable Quotes“If all you are is a feature that someone else could build, you don't have a business—you have a countdown clock.”“Boring businesses aren't boring when they compound quietly into billions.”“It's not what you make—it's what you keep.”“Billionaires don't think like operators; they think like capital allocators.”Mentioned in This EpisodeQualified Small Business Stock (QSBS) – U.S. tax exemption strategyDonor Advised Funds (DAFs) – Philanthropic and tax planning vehiclesRoss Perot Jr. – Logistics real estateDutch Bros – Scalable retail model exampleBlackstone & Berkshire Hathaway – Capital cycling and compounding modelsListen If You'reA founder or investor learning to structure smarter deals.A CEO or operator ready to scale beyond execution into capital allocation.A strategic thinker who wants to play the long game in business and wealth creation.ConnectHosts: Roland Frasier & Ryan DeissPodcast: Business Lunch with Roland FrasierMore at: businesslunchpodcast.comMentioned in this episode:Join Roland & Ryan at Get Scalable LiveIf you're a founder, CEO, or operator running a 7- or 8-figure business, Get Scalable Live was built for you. This is not your typical business event. It's 3 days of hands-on strategy, real-world frameworks, and next-level networking with the smartest operators in the game.

Navigating the Philanthropy Landscape with the 'Philanthropy Guy' In this episode, host George Weiner sits down with Rick Peck, also known as "The Philanthropy Guy," to discuss strategies for nonprofits preparing for the crucial Q4 giving season, commonly referred to as the "nonprofit philanthropy Super Bowl." Rick, a seasoned consultant in the nonprofit space, shares insights on donor engagement, effective fundraising strategies, and the importance of cultivating relationships with major donors. Main Topics: Rick Peck, a consultant helping midsize nonprofits engage with larger donors, shares his expertise. Discussion on the importance of diversifying revenue streams amidst shrinking grant availability. Emphasis on building a strong case for support and soliciting non-cash asset donations. Insights into donor personas and the nuances of engaging high-net-worth individuals. Critical Insights: Many nonprofits face a "quiet panic" as they scramble to prepare for year-end giving, often due to a lack of preparation and over-reliance on grants. Peck advocates for a strategic approach, urging nonprofits to develop a strong foundational case for support and to consider soliciting non-cash assets, such as real estate or stocks, to maximize donations. Understanding donor personas—such as "drivers" and "expressives"—can significantly improve donor engagement strategies. The role of donor-advised funds (DAFs) is explored, highlighting both their potential benefits and the complexities they introduce into the philanthropic landscape.

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