Most people who donate give cash to charities. Which is very generous of them, but what if there’s a better way to gift where the charity can still get the benefit but you may also receive some more tax benefits?

In this episode of Common Curiosities Retirement, Michael CFP® and Enrolled Agent unpacks one of the most overlooked tax strategies for charitable givers: donating appreciated assets.

It’s not a flashy dinner party topic, but it could help save you in taxes and increase what your favorite causes receive. He breaks down:

💡 How gifting investments directly to charity actually works

💡 Why it may be more helpful than giving cash

💡 Common mistakes to avoid

💡 How to know if this strategy fits your situation

Whether you’re a seasoned investor, a future retiree, or just curious about smarter giving, this episode helps you see generosity through a fresh (and financially clever) lens.

Chapters

00:00 NEWCHAPTER

00:12 Tax Savings for Giving?

02:32 What goals & problems is this helping me achieve?

03:09 What Type of Accounts Do I Use This With?

04:09 How Does the Brokerage Account Work

04:35 Direct Gift to Charity with Assets

04:41 Standard Deduct or Itemize Get a Benefit?

05:45 Real World Example

07:14 Gifting a Portion of an Investment

07:52 Why Consider Giving Investments with Most Gains?

09:00 Does The Charity Get Less With This Idea?

10:23 Be Careful Selling the Investments First

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.