Charitable Giving Strategy

Prompt

Build a strategic charitable giving plan for [YOUR NAME OR HOUSEHOLD].

Context:
- Annual charitable giving budget: [AMOUNT]
- Causes I care about: [LIST 2-3 CAUSES]
- Tax situation: [ITEMIZE DEDUCTIONS / TAKE STANDARD DEDUCTION]
- Income type: [W-2 / BUSINESS / INVESTMENT — INCLUDES APPRECIATED SECURITIES?]
- Current giving approach: [SPORADIC / ORGANIZED / NONE YET]
- Long-term giving aspiration: [GIVE MORE OVER TIME / STRUCTURED / LEGACY GIVING]

Build the strategy:

1. **Tax Optimization** — At my income and giving level, what is the most tax-efficient way to give?
   - Donor-Advised Fund (DAF): how it works and when it makes sense
   - Appreciated securities giving: the tax math
   - Bunching strategy for itemized deductions
   - QCD from IRA for those over 70½

2. **Cause Evaluation Framework** — How to evaluate charities for impact, efficiency, and transparency. Tools: GiveWell, Charity Navigator, Give.org.

3. **Giving Portfolio** — Recommended allocation across causes and organizations. Mix of: proven high-impact, community, and personally meaningful.

4. **DAF Setup Guide** — If a DAF makes sense: how to open one, best platforms, and how to use it.

5. **Annual Giving Calendar** — When to give (year-end for tax timing), how to track contributions for deduction records.

6. **Legacy Giving** — Options for including charity in estate planning: bequest, beneficiary designation, charitable trust.

7. **Employer Match Maximization** — Am I taking full advantage of employer charitable match programs?