Services
Charitable Planning
Give more, pay less tax, and build a giving plan that lasts beyond you.
Give With Intention
Charitable giving is personal — but the way you give has significant tax consequences. Done well, a giving plan lets you give more to the causes you care about and pay less tax along the way.
And it becomes a framework that continues across generations, long after the first gift is made.
Strategies we use
- Donor-advised funds (DAFs) — front-load deductions in a high-income year, distribute grants over time
- Appreciated securities — donate stock instead of cash to avoid capital gains tax
- Qualified charitable distributions (QCDs) — direct IRA-to-charity transfers after age 70½, satisfying RMDs tax-free
- Charitable remainder trusts (CRTs) — generate income for yourself, pass the remainder to charity
- Private foundations — when scale and family involvement warrant them
- Bunching deductions — combining multiple years of giving to exceed the standard deduction
Who benefits most
- Pre-retirees and retirees with traditional IRAs approaching or past RMD age
- Households experiencing a high-income event — business sale, IPO, large bonus, stock-option exercise
- Long-term investors with highly appreciated positions
- Families who want to involve children and grandchildren in giving decisions
How we work
We coordinate with your CPA and, where needed, your estate attorney. The giving plan becomes part of your overall financial plan — so every year's gifts are intentional, tax-optimized, and aligned with your broader goals.
Ready to start your journey with Wilco?
It all starts with a conversation.