Charitable Donations: Tax Strategies & Smart Giving for Retirees and Business Owners

Discover how charitable donations can maximize your tax benefits and support causes you care about. In this video, we unpack:

Strategies for effective charitable giving
Tax deductions for retirees and business owners
Donor-advised funds and philanthropy tips
Common mistakes to avoid when giving
IRS rules and documentation best practices

Key Links & Resources:

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Intro – Why smart giving matters for retirement & business
1:45 Understanding the standard deduction shift & itemizing challenges
4:30 Strategy #1 – Donor-Advised Funds (DAFs) explained
7:15 Strategy #2 – Donating appreciated assets to avoid capital gains 
10:00 Strategy #3 – Qualified Charitable Distributions (QCDs) for retirees 70½
12:50 Strategy #4 – Charitable Remainder Trusts (CRTs) for business owners 
15:20 Strategy #5 – Bunching contributions and timing gifts for maximum impact
18:05 How to align your giving strategy with your business and personal legacy
20:30 Next steps & how to leverage this for compliant content and growth

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.