Podcasts about donor advised funds

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.

This week's show covers mid-cap stocks, donor advised funds, why financial plans are (mostly) a waste, and lots of listener questions!

Ep 215: Give Now, Decide Later? The Power of Donor Advised Funds  Special Guest: John BromleyFor more information visit https://limitfreelife.com/

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.

Once your portfolio crosses $5 million, the game changes. Growing your money is no longer the hard part... protecting it is. Tax mistakes that used to feel like small inefficiencies can quietly turn into six-figure problems that compound throughout retirement.This episode breaks down the tax strategies that actually matter once you're in high-net-worth territory. With multiple account types, portfolio income pushing you into higher brackets, and large pre-tax balances creating future RMD and Medicare risks, the way you withdraw money becomes far more important than how much you've saved.The focus here isn't how to minimize taxes this year. It's how to reduce your lifetime tax liability. James covers intentional tax-bracket filling, when Roth conversions help and when they backfire, why asset location matters more as portfolios grow, how capital gains planning really works, and how charitable strategies can dramatically improve after-tax outcomes. Doing Roth conversions the wrong way can cost nearly seven figures, shown by James' sample case study, helping you see that a disciplined approach creates meaningful long-term gains.If you have $5 million or more invested, this is about control. Control over when you pay taxes, which accounts you pull from, and how much of your wealth you actually get to keep.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Tax law changes have made it harder for many people to benefit from charitable deductions, but that hasn't stopped Americans from supporting the causes they care about. In this episode of Purposeful Planning, we explore how donor-advised funds offer a flexible, tax-efficient way to maximize your philanthropic impact. From batching contributions to understanding the new restrictions under OBBBA, discover strategies that help you give more effectively while potentially reducing your tax bill. Sources: https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill https://taxnews.ey.com/news/2025-2004-irs-and-treasury-2025-2026-priority-guidance-plan-includes-various-projects-applicable-to-tax-exempt-organizations#:~:text=Guidance%20under%20IRC%20Section%204966%20addressing%20taxable,other%20guidance%20items%20on%20DAFs%20being%20removed https://taxfoundation.org/blog/charitable-deduction-big-beautiful-bill/ https://www.aspenwealthmgmt.com/investment-management https://www.aspenwealthmgmt.com/about-us/#ourteam https://www.aspenwealthmgmt.com/contact-us-fee-only-advisors-fort-worth https://www.aspenwealthmgmt.com/resource-center/financial-planning/donor-advised-funds-charitable-giving The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Aspen Wealth Management is a registered investment advisor with the SEC. This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm's recordings. Hosted on Acast. See acast.com/privacy for more information.

Debt and the cost of daily living often make us question how we are to do God's work when we are struggling to find money to survive. On episode #466 of “Let's Talk Money with Dave and Reb”, the co-hosts listen as Dylan Armstrong shares his story of God's provision and how he went from below broke to home ownership in two years! Dylan inspires listeners as he shares how trusting God and giving everything led him to places and opportunities that he did not plan or expect. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. To contact Dylan, go to www.revdcoaching.ca #morethanenough #finances #money #financialfitness #provisionstory

It's everyone's favorite time of year… Tax Season! On episode #465 of “Let's Talk Money with Dave and Reb” the co-hosts talk with Stephen Tibben, More Than Enough's tax specialist, about how to prepare for tax season. While taxes often bring anxiety and frustration, Stephen reminds listeners of the important deadlines coming up for Canadians and how to best prepare and access documents for filing your income tax, whether you are doing it yourself or through a third party. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. Prosper Canada information about what you need to know: https://www.newswire.ca/news-releases/tax-tip-important-changes-to-the-2025-income-tax-package-what-you-need-to-know-896553524.html?utm_source=Prosper+Canada+Subscriptions+%5BAll%5D&utm_campaign=f63e2ce849-Media_Monitoring_January_8_COPY_01&utm_medium=email&utm_term=0_536ea6808f-f63e2ce849-209782524&mc_cid=f63e2ce849&mc_eid=e2030b7b95 To find the CRA tax portal go here: https://www.canada.ca/en/revenue-agency/services/e-services/cra-login-services.html #morethanenough #finances #money #financialfitness #tax

Send us a textDAFs don't delay generosity - they reveal giving friction.Donor-advised funds are shaping how people give, but many nonprofits aren't quite ready for it.In this episode, Cara Augspurger shares what she's seeing firsthand as a frontline fundraiser, including why DAF donors are often some of the most prepared, responsive, and relationship-driven supporters - when nonprofits make it easy to say yes.You'll hear:What fundraisers often misunderstand about DAF donorsWhy DAF giving doesn't slow generosity - friction doesSimple ways to be clearer, more visible, and more DAF-readyIf donor-advised funds feel confusing or intimidating, this episode brings clarity without the noise.Listen now and share with someone navigating donor shifts or planning for more sustainable fundraising.Helpful DAF Resources:We have an in-depth blog to bring you up to speed: Donor-Advised Funds: What Do They Mean for Nonprofits and Donors?And, quick links to providers mentioned in the episode:Fidelity Charitable – Official Site (DAF info)Schwab Charitable / DAFgiving360 Donor-Advised Fund PageVanguard Charitable – Donor-Advised FundsDaffy – The Donor‑Advised Fund for You™ (Official)What makes Donorbox the Best Nonprofit Fundraising Platform to Achieve Your Strategic Goals?Easy to customize, available in multiple languages and currencies, and supported by leading payment processors (Stripe and PayPal), Donorbox's nonprofit fundraising solution is used by 80,000+ global organizations and individuals. From animal rescue to schools, places of worship, and research groups, nonprofits use Donorbox to raise more funds, manage donors efficiently, and make a bigger impact.Discover how Donorbox can help you help others!The Nonprofit Podcast, along with a wealth of nonprofit leadership tutorials, expert advice, tips, and tactics, is available on the Donorbox YouTube channel. Subscribe today and never miss an episode:The Nonprofit Podcast is available every Thursday on all popular podcast platforms.

Donor-advised funds are revolutionizing philanthropic giving, and in this episode of The Nonprofit Counsel Podcast, host May Harris sits down with author Ted Hart to explore why. Ted's latest book, The DAF Revolution, unpacks how donor-advised funds have become the fastest-growing form of philanthropy ever, with over $250 billion in assets. They discuss the advantages DAFs offer over private foundations, including simplified charitable tax deductions and flexible grant making. Ted shares how to set up a donor-advised fund for tax benefits, addresses common criticisms, and reveals powerful nonprofit fundraising strategies to help organizations access DAF dollars, essential listening for donors, advisors, and nonprofit leaders.   What You'll Learn in This Episode:    Why donor-advised funds outpace private foundations in charitable giving, granting 15-25% of assets annually versus the 5% foundation minimum, and how this benefits donors and nonprofits. How to leverage appreciated assets through DAFs to maximize charitable tax deductions while avoiding capital gains, plus the three types available—national firms, community foundations, and mission-based organizations. Actionable nonprofit fundraising strategies to access more donor-advised fund grants, including major gift fundraising approaches. Best practices for multi-generational giving and legacy philanthropy through DAFs, including involving future generations while maintaining advisor rights.   Subscribe to The Nonprofit Counsel Podcast and stay ahead on the legal and strategic insights that help nonprofits thrive. Join the conversation and empower your mission with expert guidance every episode.   TIMESTAMPS:   00:00 Introduction to Ted Hart and The DAF Revolution book, exploring donor-advised funds as the fastest-growing philanthropic giving vehicle 06:42 Why donor-advised funds outperform private foundations: DAFs grant 15-25% annually versus 5% foundation minimum with charitable tax deductions 08:37 Three types of DAFs: national firms like Fidelity Charitable, community foundations, and mission-based organizations for grant making 14:17 Setting up a donor-advised fund: investment options and multi-generational giving strategies for legacy philanthropy and the downsides of a DAF 22:13 Ten nonprofit fundraising strategies for accessing DAF funding through significant gift relationships   KEY TAKEAWAYS:   Donor-advised funds reached $250 billion in assets, hitting their first $100 billion in just 30 years versus over a century for private foundations, making them the fastest-growing philanthropic giving vehicle. DAFs grant 15-25% of assets annually without payout requirements, while private foundations give only 5%, proving donors are more generous without government mandates and can focus on charitable giving based on values. Every nonprofit needs a DAF strategy: ten fundraising strategies include significant gift relationships and leveraging community foundations to access this growing funding source.   ABOUT THE GUEST:  Ted Hart is a global thought leader in philanthropy and the author of The DAF Revolution: Making a Difference in Our Modern World. With over three decades of nonprofit leadership, he served as CEO of CAF America and CAF Canada, overseeing $4.6 billion in charitable grants to organizations in over 135 countries. Through TEDHART.COM LLC, Ted advises foundations, corporations, and nonprofits on donor-advised funds, cross-border philanthropy, and ethical fundraising. He hosts The Nonprofit Coach and Everything DAF! podcast, the longest-running program in the nonprofit sector. Ted Hart - Website Ted Hart - Facebook Ted Hart - LinkedIn Ted Hart: Books - Amazon   RESOURCES MENTIONED:  For Profit Law Group - Website Nonprofit Counsel - Website Nonprofit Counsel - Instagram Nonprofit Counsel  - LinkedIn  

Send us a textEpisode 1 of Inside the Family Office: Live Investor PanelReal family office practitioners and allocators share how they structure deals, protect families, and think about wealth: Dr. Cook opens the panel and sets the stage for a rapid-fire conversation with experienced investors. KC of Family Wealth Leadership explains why his multifamily office focuses on families between roughly $25M and $300M, how they build diversified portfolios with funds and alternatives, and why his primary investment is in the family itself. He breaks down how foundations and “boots on the ground” philanthropy keep families aligned, and shares a blunt warning about emotional decision-making and over-entitled heirs. Dr. Cook closes by pulling out how he operates as a Family Enterprise Officer, coordinating specialists around each family.

January brings New Year's resolutions and the inspiration to make change but often ends up in disappointment when we can't stick with our goals. Dave and Reb invite Amanda van Noppen on the show to explain why change, and change in our money habits, can feel so hard. On episode #464 of “Let's Talk Money with Dave and Reb” the co-hosts explore neuroplasticity, neural networks, and the unconscious paths that define how we develop habits and what makes it hard to change. Amanda encourages listeners that although it can be hard to create new paths, we can grow and change into new habits that create more positive financial change. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. To connect with Amanda go to https://vannoppentherapy.com/ Or on instagram: vannoppenpsychotherapy. To hear our previous conversation with Amanda about Shame and Money please go here: Released from Shame #morethanenough #finances #money #financialfitness #shame #habits #newyear #goals

What if your company's philanthropy wasn't just generous, but strategic, scalable, and built to last? In this episode, we dive deep into the powerful but often overlooked tool of Donor-Advised Funds (DAFs), and why more businesses are using them to build long-term impact. If you've ever struggled with year-end donations, scattered sponsorships, or reactive giving, this is the strategy shift you've been waiting for. We'll break down: > What a Donor-Advised Fund is (and what it's not) > Why DAFs are ideal for businesses of any size > How they centralize your giving, engage employees, and strengthen community relationships > The difference between giving with intention vs. obligation > And we'll wrap with a real-world story of how one company moved from checkbook charity to a community leader, proving that giving back can fuel both purpose and performance. If you're ready to align your values with your business strategy, this episode will show you the path. Let's stop reacting, and start building a legacy. Connect with the Center for Business Impact at Communities Foundation of Texas to start your DAF journey today.

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.

The Santa Rally was a no-show this year, but the January Effect is kicking in. Markets are also reacting to geopolitical moves: U.S. forces captured Venezuela's president Maduro, sparking oil-focused strategies and promises of billions in infrastructure investment despite challenges. Meanwhile, trade tensions simmer as tariff rulings and compliance shifts reshape import costs, with exemptions and agreements softening the blow for key sectors like semiconductors.  Dave Spano and Brian Jacobsen discuss in the Week in Review.  Also, segments on understanding Donor-Advised Funds and milestone ages for retirement.

We all have a money story that defines how we navigate our finances. This story often involves how we have encountered God in our life and how we respond to God at work in our finances. But what would Jesus say about his own money story? On episode #463 of “Let's Talk Money with Dave and Reb”, the co-hosts invite Rev. Ray Borg to interview Jesus on how poverty, faithfulness, and love have been threaded throughout his money story. Dave, Reb, and Ray examine how their personal money stories influence how they hear the mystery of Christ's money story. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To listen to the audiobook please find it here: https://open.spotify.com/show/7FCzANDapS7Eni6YIdIWM5?si=6dc65d94c1c44a2c&nd=1&dlsi=cbb53cbd7ccf4e02. #morethanenough #finances #money #financialfitness #moneystory

Happy New Year!

In this milestone 100th episode of the Common Sense Financial Podcast, host Brian Skrobonja delves into the critical topic of managing taxes in retirement. The episode focuses on strategies for minimizing tax liabilities, especially for retirees with tax-deferred accounts facing potential hefty tax bills. Brian emphasizes the importance of sustainable income creation during retirement and the role of tax optimization in this process. Most people envision their retirement to be built from predominantly tax-free income, but after many years of deferring taxes, retirees are facing a sizable tax bill on distributions taken from their retirement accounts that could be a third or more of what has been accumulated. When you're saving for retirement, growth of your assets is the priority. But many people don't realize that once they retire that's no longer true. The priority is actually creating sustainable income to support you through retirement while minimizing taxes. A common issue I've seen is future retirees knowing they will owe taxes on their deferred accounts, but not realizing the extent of the problem since the rules change once they retire. Many retirees we work with tend to have the same income goals in retirement, yet with fewer deductions. They no longer have children or mortgage interest to help them offset their tax burdens, which makes the situation more complex. Delaying distributions isn't an option either. Required Minimum Distributions will eventually force your hand. There are two tax problems facing retirees: taxes you will have to contend with today, and taxes that you will have to contend with in the future. With the national deficit continuing to rise, do you expect tax rates to go down in the future or go up? The most likely answer is that tax rates are on the rise, so we should be planning accordingly. There are two possibilities to help minimize the level at which you participate in paying your fair share towards the government's future revenue increases. You can either complete a Roth conversion or through tax deferred withdrawals contribute to an overfunded permanent life insurance policy. Making the decision of which strategy to implement is the easy part. The trick really is completing this process with minimal tax liabilities, which requires specialized knowledge. The progressive nature of the code makes understanding your tax burden complicated and miscalculating this could result in having a larger tax liability than anticipated. Depending on your income level, a taxable distribution can subject your Social Security to additional taxes. This is a separate calculation from the income tax brackets and uses a two step process to determine how much of your social security will be subject to taxation. This is important to know because a taxable distribution may not only push you into a higher income tax bracket, but it could trigger additional taxes on your social security, which could result in a higher effective rate. You should also be aware of the impact a taxable distribution can have on Medicare premiums. The impact of any possible premium increase is typically delayed by two years. This is one of those things that often comes as a surprise when people make decisions about distributions. The antidote to taxable income is deductions, credits and losses which can help reduce the net income subject to tax. There are a few options that can help offset the burden of taxes and make the transition from tax-deferred to tax-free easier, but they don't work for everyone, which is why we recommend working with a professional. The first thing is a donor advised fund or DAF. This allows you to contribute future charitable donations into a fund that you control when distributions are made that can also receive the tax benefit of the donation in the year you make the contribution into the fund. By making multiple years of donations in a single year into that fund, you have the potential of helping offset a taxable distribution from your retirement account in that year. The second is a Charitable Remainder Trust (CRT), where you can contribute future charitable donations into the trust and receive the tax benefit of the donation in the year you make the contribution. You can also receive income from the trust while you're living within IRS limits. A CRT is a more complex arrangement than a DAF with many options and requires an attorney to draft the trust. The third is a qualified charitable donation or QCD, which allows for anyone over the age of 70 and a half to make a direct donation from a qualified account to a charity. The fourth is something known as IDCs, or intangible drilling costs, which allows accredited investors to participate in the drilling expenses of an oil and gas company that could provide reportable tax losses that can help offset all forms of income, as well as the potential for cash flow back to the investor once the wells are operational.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify Brian's article - From Tax-Deferred to Tax-Free: Navigating Taxes in Retirement   References for this episode: https://www.usdebtclock.org/ https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.ssa.gov/benefits/retirement/planner/taxes.html https://www.ssa.gov/benefits/medicare/medicare-premiums.html#anchor5 https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions https://www.irs.gov/charities-non-profits/charitable-remainder-trusts https://www.irs.gov/newsroom/qualified-charitable-distributions-allow-eligible-ira-owners-up-to-100000-in-tax-free-gifts-to-charity https://www.investopedia.com/terms/i/intangible-drilling-costs.asp https://www.crfb.org/blogs/tax-break-down-intangible-drilling-costs     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. A ROTH Conversion is a taxable event. Consult your tax advisor regarding your situation. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. Donor Advised Funds represent an irrevocable gift of assets from the donor to the fund. Contributions made to the fund are irrevocable and cannot be returned or used for any other individual or used for any purpose other than grant making to charities. The gift is not an investment or a security. When evaluating a contribution to the fund, carefully consider the terms and conditions, limitations, charges, and expenses. Depending on the tax filing status, DAF contributions may or may not be tax deductible.

In this episode, we break down the basics of Donor Advised Funds (DAFs)—a powerful charitable giving tool that lets you take a tax deduction now while giving to your favorite ministries or charities over time. You'll learn how a DAF works, why it's often more blessed to give than receive (Acts 20:35), and how you can contribute various assets, invest the balance, and recommend grants when you're ready. We'll cover the key advantages, common drawbacks, and the wide range of assets you can contribute—from cash and stocks to real estate and even business interests. If you're looking for a way to streamline your giving, reduce taxes, and create a family legacy of generosity, this episode will show you how a DAF can serve your mission. Tune in to learn the basics and discover whether a Donor Advised Fund is right for you.

In this episode, we take a look at meaningful and tax-wise ways to give as the year comes to a close. Host John Soukup sits down with planned giving expert Jim Gustafson, to explore simple year-end gifts, monthly giving, IRA charitable distributions, appreciated assets, grain donations, Donor Advised Funds, and more. If you're considering a year-end gift to CSS or another nonprofit, this conversation offers clear, practical insight on how your generosity can make a real impact.

This week on Five Minute Finance, Mike Morton and host Matt Robison dive into end-of-year charitable giving—how to make it reflect your family's values, how to simplify it with donor-advised funds, and how to unlock powerful tax benefits by donating appreciated stock or using a “bunching” strategy. If you're thinking about giving more this season (or just want your giving to work harder), this episode is your quick, practical guide.Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

Join us as we hear about Resilient Valley and the work, they are doing to increase giving from DAF's throughout Western MA. Lora Wondolowski, Director of Advancement and Communications at Peace Development Fund and City Council President of Greenfield, MA. and Kim Snyder, Director of Development and Communications at Hitchcock Center for the Environment talk us through why now matters more than ever to free up funding for local nonprofits. Peace Development Fund helps to support small to midsized nonprofits as they navigate how to stand on their own. Through fiscal support and creating Donor Advised Fund's for donors they work out of Amherst on an international scale. Hitchcock Center is one of 23 living buildings in the world and has been in existence for over 60 years. They help us connect with nature and the environment creating pathways for younger generations to become climate warriors. The Resilient Valley Coalition is a growing group of over a dozen nonprofits focused on climate, food systems, and environmental justice. Together they have faced over 3 million in funding loss in 2025. The Match My DAF Campaign has a goal to raise 250,000 in matching funds to motivate donors to increase their giving through their DAF's. If DAF holders commit to giving away 10% more by May 2026, then their grants will be matched dollar for dollar. Let's show up for them. Happy Holidays everyone. Thank you for listening. www.resilientvalleyma.org

In this episode of Money Matters, Scott and Pat explore three of the most underappreciated but powerful financial planning tools: Roth conversions, donor-advised funds, and bond funds. They break down when and how to use each of them—especially before year-end—to reduce taxes, improve portfolio efficiency, and boost long-term flexibility. You'll hear real stories from listeners making million-dollar decisions, like whether to hire a financial advisor, how to prepare your spouse to take over financial responsibilities, and how to structure your retirement income when you're asset-rich but cash-flow light. From strategic charitable giving to the surprising risks of individual bonds, this episode is packed with actionable insights. And if you think Roth conversions don't apply to you… think again. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

In this episode, Laura and Jeremiah Lee discuss strategic charitable giving and its tax benefits. They explore donor-advised funds, appreciated stock donations, and qualified charitable distributions, offering insights into maximizing tax efficiency while supporting meaningful causes. Takeaways:

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.

Send us a textDid you know there's a tool that has been created if you have money to donate (and want the tax write-off this year) but you haven't quite decided where to donate yet? Whether you are new to Donor Advised Funds (DAFs) or you already have one and have gotten stuck on how to use it, this episode will provide some tips so your money can help as much as possible.Links from today's episode:Charitable Tax Reform For the 21st Century by Roger Colinvaux and Ray D. Madoff https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3462163Until the River Runs Dry by by Chuck Collins Helen Flannery Dan Petegorsky Bella DeVaan https://inequality.org/great-divide/charity-reform-video/The 2023 DAF Report released by National Philanthropic Trust https://www.nptrust.org/reports/daf-report/Support the show

In this episode we answer emails from Patrick, Kyle, and Dave.  We discuss the advantages of using risk parity style portfolios for higher withdrawal rates, how to manage a sleeve of individual REITs, the joys of giving in its various forms, a risk parity style portfolio in a Donor Advised Fund, and reverse glide paths.  We share how planned generosity, donor-advised funds, and employer matches can make retirement more meaningful.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterKitces & Carl podcast about "Frugal Bob":  Helping Retired Clients To Actually Start Spending And Enjoying Their Money - Kitces & Carl Ep 178Bigger Pockets Money Test Risk Parity Style Portfolio:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)Choose FI Podcast #574:  Top Five Regrets of the Dying (Book Club with Frank Vasquez and Ginger) | Ep 574Kitces Reverse Glidepath Article:  The Benefits Of A Rising Equity Glidepath In RetirementBreathless AI-Bot Summary:Most retirees don't fail because they spend too much; they struggle because their portfolios weren't built for withdrawals. We unpack how risk parity, smarter rebalancing, and a reverse glide path can protect early-retirement years while keeping growth on the table. Along the way, we share listener stories that show what happens when a 100% stock believer embraces diversification and discovers the joy of giving—through donor-advised funds, employer matches, and a simple plan to distribute one percent or more each year.We start with a real allocation shift: blending large growth, small value, long Treasuries, gold, managed futures, and a small sleeve of REITs to reduce sequence risk. Then we get tactical. For individual REIT holdings, we treat the sleeve as one allocation and only rebalance when the sleeve moves versus the rest of the portfolio. Inside the sleeve, focus on outliers—trim oversized winners, reassess laggards with deteriorating stories—and keep transactions light to minimize taxes and churn.The heart of the episode explores how generosity reshapes retirement planning. Using a donor-advised fund to “stress test” withdrawals at high rates teaches mechanics and builds confidence, while employer matching turns donations into leveraged impact. We talk practical tools—automating gifts, donating appreciated shares, setting “use-by” dates on giving accounts—and nontraditional forms of giving that create work, support local businesses, and deepen relationships.We close by breaking down the reverse glide path championed by Michael Kitces and echoed by Bill Bengen: start retirement with lower equity exposure and increase it over time. Our working template moves from the low 40% equity range toward 60–70% as years pass—an evidence-informed band that historically supports higher safe withdrawal rates and tamps down sequence risk. Paired with risk parity diversification and a deliberate giving plan, it's a path that funds a life you actually want to live.Support the show

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.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss the value of Donor Advised FundsSubscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardListen to the Scripture Memory PodcastSee the show notes here!Wealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

The Quiet Revolution Reshaping Charitable Giving In recent years, one of the most powerful forces shaping philanthropy hasn't come from a new fundraising platform or viral campaign—it's come from an investment account. Donor-Advised Funds (DAFs), once the domain of the ultra-wealthy, are now a mainstream tool for charitable giving. For nonprofits, understanding and integrating a DAF strategy is no longer optional—it's essential. According to the National Philanthropic Trust's 2024 DAF Report, assets in donor-advised funds have surpassed $230 billion in the United States, with annual grantmaking exceeding $50 billion. These numbers represent a 30% increase in just five years, signaling a major shift in how Americans prefer to give. For nonprofits that fail to adapt, this change could mean missing out on the next generation of major donors.

Nearly all of us want to give wisely—but few know how to make their giving truly multiply Kingdom impact.In this episode, Jeremy sits down again with Doug Kiesewetter—CEO of Cogency Power, Founder & Chairman of WaterStone Foundation, and a veteran entrepreneur who's led ten successful startups and helped steward over $2B in charitable giving.Doug shares how ordinary believers can give smarter—not just more—and how strategic generosity can fund discipleship efforts for decades to come.In this conversation:Why how you give matters as much as what you giveCreative ways to give—stocks, real estate, crypto, and moreHow to use a Donor-Advised Fund to reduce taxes and multiply generosityReal stories of Kingdom ROI through business, missions, and disciple-makingIf you've ever wondered how to make your generosity go further—this episode will change how you think about giving.Share it with someone who's ready to give boldly and wisely.Let's do this,Jeremy---Ordinary Movement is a discipleship platform that equips men and women to be disciples who make disciples. Our focus is on supporting small groups led by ordinary/everyday Christians. We have specialized discipleship tracks that center around Intimacy with Jesus, Intentional Relationships, and Multiplication. Groups are designed for individuals to easily engage in leading groups.Ready to be a disciple who makes disciples?If so, come and join us!Visit ordinarymovement.com to learn more!#discipleship #disciplemaking #disciple

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss four powerful tax strategies you can start looking at now to lower your 2025 tax bill and create more long-term flexibility in retirement. They unpack the difference between simple tax filing and true tax planning, walking through how proactive tax projections, IRA tax planning, and coordinated strategies can help reduce taxes over your lifetime—not just this year. You'll hear how their team uses a comprehensive tax checklist and planning process to help you secure your retirement and avoid costly surprises.Listen in to learn about practical ways to reduce taxes, from Qualified Charitable Distributions (QCDs) and Donor Advised Funds to Tax Loss Harvesting inside a Direct Indexing strategy, and long-term Roth conversion planning. Whether you're focused on charitable giving strategies, concerned about Medicare IRMAA surcharges, or just looking for tax savings tips and ideas on how to save on taxes in retirement, this episode will help you think beyond April 15 and build a smarter, more intentional retirement tax plan.In this episode, find out:· The key difference between tax filing and true tax strategy—and why tax moves to lower your 2025 bill must be done before December 31.· How Qualified Charitable Distributions (QCDs) can lower your taxable income, satisfy Required Minimum Distributions (RMDs), and help you avoid Medicare IRMAA surcharges.· Ways a Donor Advised Fund can “bunch” charitable giving, turn what you were already going to give into a bigger deduction, and enhance your overall charitable giving strategies.· How a Direct Indexing strategy with ongoing Tax Loss Harvesting can create “tax alpha,” making your brokerage account more tax-efficient and reducing capital gains over time.· Why a multi-year Roth conversion plan—guided by tax projections—can dramatically lower lifetime retirement taxes for you and your heirs, and support a more confident retirement planning and retiring comfortably strategy.Tweetable Quotes:“Real tax planning is not about what happened last year—it's about using tax projections and tax strategies today so you can decide how and when you want to pay taxes over your lifetime.” — Murs Tariq“When you combine tools like Qualified Charitable Distributions, Donor Advised Funds, tax loss harvesting, and Roth conversions, you're not just checking a tax box—you're building a coordinated tax plan that can help you save on taxes and truly secure your retirement.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"To access the course, simply visit POMWealth.net/podcast.

Major charitable-giving changes are set to take effect next year under the One Big Beautiful Bill Act. As a result, 2025 may be the best—and possibly last—great year to make a big charitable gift and get the full tax benefit in the same year.  Listen in to hear the changes that take place in 2026 that could make 2025 the best year to use donor advised funds. In our listener question segment, Christie inquires about buying a home in retirement: "Should we withdraw from investments, or use a mortgage?" Resource: Article by Ben Mattlin in Financial Advisor Magazine: "Why Some Advisors Are Daffy For Donor-Advised Funds" Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

As we close in on year-end, this week's “Henssler Money Talks” tackles three financial decisions that can make a major impact on your long-term plan. First, before you write that last charitable check of 2025, make sure you're doing it strategically. We break down the evolving charitable giving rules—from updated deduction limits to how Qualified Charitable Distributions and Donor Advised Funds can help you give more efficiently. Whether you donate regularly or ramp up your giving at year-end, understanding these rules can help you maximize both your impact and your tax benefit. Next, we dig into a question many listeners are asking: Should you stop saving and pay off the mortgage before retirement? While being debt-free sounds great, it may leave you “house-rich and cash-poor.” We unpack the trade-offs, including how mortgage rates compare to long-term investment returns, the risks of cutting back on 401(k) contributions, and why carrying some debt into retirement may actually support your overall financial flexibility. Finally, we explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 15, 2025  |  Season 39, Episode 46 Timestamps and Chapters 7:35: Smart Strategies for 2025 Charitable Contributions 21:32: Stop Saving to Pay Off the House? Let's Talk About It.26:58: Your Savings, Your Strategy: Where to Start 38:17: Shutdown Ends, Earnings Season and Selling NVIDIA Follow Henssler:Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/TikTok: https://www.tiktok.com/@hensslerfinancial?lang=enX: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial advisors dress? ( 29:18 )Is IRMAA (Income Related Monthly Adjustment Amount) something that needs to be avoided, or is it okay to knowingly pay some IRMAA in the name of longer term tax planning ( 35:12 )Are there any planning considerations or concerns people should have if the government shutdown continues to drag on ( 39:58 )Is renting a home (instead of owning or buying) a home in retirement okay ( 44:27 )Are Donor Advised Funds worth using ( 48:35 )Their thoughts on Artificial Intelligence and how it may impact financial and retirement planning ( 52:52 )Is it okay to pay taxes on Roth conversions by withholding it from the IRA, or should taxes on conversions only be paid with money outside of an IRA, such as in a bank or brokerage account ( 1:00:42 )Links in this episode:Ben's website - Retirement Starts TodayBen's YouTube channel - Even Better RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode, CEO Matt Landon, CFP® of Semmax Financial Group, sits down with Phil Bastron, Senior Philanthropic Advisor at the Winston-Salem Foundation, to explore what it truly means to give while you live. Together, they dive into practical strategies for intentional giving, how to create a lasting community impact, maximize tax benefits, and ensure your charitable dollars are aligned with your values both during your lifetime and beyond. You'll learn: The difference between reactive and intentional giving How tools like donor-advised funds, designated funds, and field of interest funds work Smart ways to integrate charitable planning into your estate and tax strategy Why "giving while living" lets you see the real impact of your generosity Whether you're planning your legacy or just starting to think about giving back, this episode offers valuable insight into how philanthropy can be both personally fulfilling and financially wise.

Donor Advised Funds (DAFs) are reshaping the future of philanthropy, and changing the way donors give. Is your nonprofit missing out? This episode will teach you how to adapt to this growing trend.In this episode of the Hey Nonprofits podcast, host Trevor Nelson sits down with Mitch Stein, as they cover the evolution of DAFs, their powerful tax benefits, and the psychology that makes them such an effective giving tool. You'll learn how to make your organization more accessible to DAF donors, integrate DAFs into event fundraising, and cultivate deeper relationships that inspire ongoing generosity.Whether you're a nonprofit leader, fundraiser, or board member, this conversation offers actionable insights to help you tap into one of the fastest-growing trends in charitable giving.Transform how your donor's give with Chariot - https://www.givechariot.com/

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.

If you’ve ever wished your giving could be both simpler and more strategic, there’s a powerful tool worth noting: the donor-advised fund, or “DAF,” for short. On the next Faith & Finance Live, Rob West unpacks what a donor-advised fund is, how it works, and how it can be used to help you practice wise, intentional generosity. Then, it’s on to your calls. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Seniors, listen up! Starting in 2025, new deductions could mean big tax savings—but only for the next four years. The “Henssler Money Talks” hosts share strategies for those over 65, from Roth conversions to charitable giving tactics. Learn how to make the most of the $6,000 per taxpayer bonus deduction, the senior deduction, and your standard deduction while the window is open. Original Air Date: October 18 2025 Read the Article: https://www.henssler.com/seniors-youve-got-a-limited-time-tax-advantage-heres-how-to-use-it   

How does Epic's employee stock program work—and what do you need to know about taxes, loans, 83(b) elections, and long-term planning?In this episode of Gimme Some Truth, financial professionals Clint Walkner, Alicia Vande Ven, CFP® (former Epic HR), and Mitch DeWitt, CFP®, break down the complexities of Epic employee stock, including vesting, tax implications, exit planning, and risk management. Whether you're an Epic employee, former staffer, or simply navigating equity compensation, this episode offers structured insight into managing your equity in 2025 and beyond.Check out our new Epic Stock Financial Planning Guidewww.walknercondon.com/epic

How does Epic's employee stock program work—and what do you need to know about taxes, loans, 83(b) elections, and long-term planning?In this episode of Gimme Some Truth, financial professionals Clint Walkner, Alicia Vande Ven, CFP® (former Epic HR), and Mitch DeWitt, CFP®, break down the complexities of Epic employee stock, including vesting, tax implications, exit planning, and risk management. Whether you're an Epic employee, former staffer, or simply navigating equity compensation, this episode offers structured insight into managing your equity in 2025 and beyond.Check out our new Epic Stock Financial Planning Guide⁠www.walknercondon.com/epic⁠

Nonprofit Fundraising Made Stronger with Mark Wilkison (Good2Give Podcast, Episode 18) In this episode of The Good2Give Podcast, hosted by DePriest Waddy and underwritten by the Community Foundation for Northeast Georgia, fundraising veteran Mark Wilkison, Principal and Partner at Columns Fundraising, shares timeless lessons on nonprofit fundraising, governance, board engagement, and major gift strategy. With […]

In this episode of The Grow Your Wealthy Mindset, we dive into donor-advised funds (DAFs)—a powerful but often overlooked tool for charitable giving.You'll learn:What a donor-advised fund is and how it worksWhy donating appreciated assets (like stock) may be smarter than giving cashThe benefits and downsides of using a DAFHow Fidelity, Schwab, and Vanguard's donor-advised funds compareWhen a DAF might make sense in your own financial or estate planningWhether you're already a generous giver or want to maximize the impact of your future donations, this episode will help you understand whether a donor-advised fund belongs in your financial toolkit.Resources Mentioned:Fidelity Charitable: https://www.fidelitycharitable.orgDAFgiving360™ (Schwab): https://www.schwabcharitable.orgVanguard Charitable: https://www.vanguardcharitable.orgDaffy https://daffy.orgCharityvest https://www.charityvest.org/ https://inequality.org/article/top-public-charities-dafs/Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

In this episode, I'm joined joined by Brad Caswell, an expert in the world of Donor Advised Funds (DAFs). He served as the Chief Operating Officer of Vanguard Charitable for 12 years, and now as a consultant helping organizations and individuals navigate the complexities of charitable giving. Some highlights from the episode:The benefits of using DAFs (including tax advantages and the ability to donate complex assets like real estate)The process of donating private assets and how to maximize your charitable contributionsHow to strategically time your donations to align with life events (such as selling a business or receiving an inheritance)To find Brad: Charitable Solutions LLC-------------✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Donor-Advised Funds (DAFs) are booming—but most nonprofit leaders still find them confusing or inaccessible. In this episode, Mitch Stein from Chariot joins Glennda Testone to bust common myths, explain how DAFs work, and share how both donors and nonprofits can make the most of them.

What if there were a way to make charitable giving easier, more strategic, and—dare we say—more satisfying? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Len Penzo welcome Adam Nash, founder and CEO of Daffy, to demystify donor-advised funds. Whether you've never heard of them or you've been meaning to set one up, Adam walks us through how they work, why they might be a perfect fit for your giving goals, and how they can help you be more intentional with your generosity year-round. But that's not all—we also turn the spotlight on an often-overlooked money moment: handling a car insurance claim. From gathering evidence at the scene to negotiating with your insurance company, the team shares smart, practical steps to make sure you don't leave money (or protection) on the table. And, of course, Len dishes up his trademark personal finance storytelling straight from his new book, mixing in lessons you'll actually remember with tales you didn't see coming. If you've been thinking about giving more, protecting yourself better, or just want to walk away with some clever, real-world money moves, this episode's got you covered. Plus, you'll leave with an extra nudge to make your charitable giving—and your financial safety net—as strong as possible. What You'll Learn in This Episode: The basics of donor-advised funds and how they can supercharge your charitable giving Key differences between donor-advised funds and traditional giving methods How to prepare for and navigate a car insurance claim from start to finish Smart moves for documenting accidents and protecting yourself against disputes Why diversification in your giving can be as valuable as diversification in your investing How Len Penzo turns everyday money lessons into stories you'll want to retell Questions to Discuss with Your Fellow Stackers: Have you ever used a donor-advised fund—or would you consider one after hearing this episode? What's one lesson you've learned (the hard way or otherwise) from filing an insurance claim? Do you think giving should be a scheduled part of your financial plan, or something you do more spontaneously? FULL SHOW NOTES: https://stackingbenjamins.com/donor-advised-fund-deep-dive-1724 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices