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Maximizing Your Impact: Advanced Charitable Giving Strategies for 2025 and Beyond

  • Parkview Partners Capital Management
  • Dec 30, 2025
  • 3 min read

Understanding the Role of Strategic Charitable Giving


Charitable giving can serve multiple purposes within a broader financial plan, including supporting philanthropic goals, organizing long-term legacy intentions, and addressing potential tax considerations. Advanced charitable giving strategies are often used by individuals and families with complex financial circumstances who wish to approach giving in a thoughtful, structured manner.


This guide provides a general educational overview of several charitable planning tools commonly discussed in advanced planning conversations. The suitability of any strategy depends on individual goals, asset composition, and professional guidance.


Defining Philanthropic Objectives


Before selecting a charitable structure, it may be helpful to clarify the purpose of giving.


Questions to Consider


  • Which causes or organizations align with personal or family values?

  • Is the goal immediate charitable impact or long-term, structured giving?

  • Should family members be involved in decision-making over time?

  • How does charitable giving fit within broader estate and financial plans?


Clear objectives can help inform which tools may be appropriate.


A laptop on a wooden desk displays 'Donor-Advised FUND,' alongside a plant, papers, and an open book.


Donor-Advised Funds (DAFs)


A donor-advised fund is a charitable account established at a sponsoring public charity. Donors make irrevocable contributions, receive a charitable deduction subject to IRS rules, and may recommend grants to qualified charities over time.


Key Characteristics


  • Simplified administration handled by the sponsoring organization

  • Potentially higher charitable deduction limits compared to private foundations

  • Flexibility in timing grant recommendations

  • Ability to contribute cash or certain appreciated assets


DAFs are often used for donors seeking administrative efficiency and long-term giving flexibility.


Private Foundations


A private foundation is an independent charitable entity created and governed by the donor or family. This structure provides a high degree of control but involves more complexity and ongoing administrative responsibilities.


Considerations


  • Legal formation and annual regulatory filings

  • Required minimum annual distributions

  • Public disclosure of grants and financial activity

  • Governance and succession planning


Private foundations may appeal to donors seeking hands-on involvement and long-term family engagement in philanthropy.


Charitable Remainder Trusts (CRTs)


A charitable remainder trust is an irrevocable trust that provides income to designated beneficiaries for a term, with remaining assets ultimately distributed to charitable organizations.


Common Applications


  • Contributing appreciated assets to support diversification

  • Creating an income stream for beneficiaries

  • Supporting charitable causes at the end of the trust term


CRTs involve legal, tax, and administrative considerations that require coordination among professional advisors.


Charitable Lead Trusts (CLTs)


A charitable lead trust provides income to charitable organizations for a specified period, with remaining assets eventually passing to non-charitable beneficiaries.


Planning Considerations


  • Selection of trust term and payout structure

  • Coordination with estate and gift planning goals

  • Evaluation of funding assets and long-term implications


CLTs are sometimes used in multi-generational planning contexts.


Qualified Charitable Distributions (QCDs)


For individuals over age 70½, a qualified charitable distribution allows direct transfers from an IRA to qualified charities, subject to IRS limits.


Key Points


  • QCDs may count toward required minimum distributions

  • Amounts transferred are excluded from taxable income

  • Applicable only to certain retirement accounts


This approach may be relevant for retirees with charitable intent.


Two individuals exchanging a document over a desk, with text 'Direct IRA Gift' overlaying the scene.


Appreciated Asset Contributions


Donating appreciated securities or other qualifying assets directly to charity may help avoid realizing capital gains while supporting philanthropic goals.


Common Uses


  • Funding donor-advised funds

  • Supporting private foundations

  • Contributing to charitable trusts


Asset selection and timing are important factors in this strategy.


Integrating Charitable Strategies Into a Broader Plan


Charitable giving strategies are often most effective when coordinated with overall financial, estate, and tax planning. Considerations may include liquidity needs, long-term cash flow, and family governance structures.


Regular review helps ensure that charitable strategies continue to align with evolving goals and regulatory changes.


An elderly person writes on a document for legacy planning, with family photos nearby.


Conclusion


Advanced charitable giving strategies offer a range of tools for individuals and families seeking to structure philanthropy thoughtfully. By clarifying objectives, understanding available structures, and coordinating with professional advisors, donors can design approaches that support both charitable impact and long-term financial organization.



Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd and Parkview Partners Capital Management are separate entities. Neither Stratos nor Parkview Partners Capital Management provides legal or tax advice. Please consult legal or tax professionals for specific information regarding your individual situation. Investing involves risk, including possible loss of principal. The information presented is for educational purposes only and should not be interpreted as individualized investment, tax, or legal advice. Past performance is not indicative of future results. For more information, please review our Form ADV, available upon request.


 
 
 

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Financial Advisor, Investment Advisor, High Net Worth, Wealth Management, Tax Planning, Risk Management, Financial Coordination, Retirement Planning, Charitable Giving, Columbus Ohio, Parkview Partners Capital Management

291 East Livingston Ave.
Columbus, OH 43215


Phone: (614) 427-2132

Fax: (614) 427-2132

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