The days are getting shorter — and year-end is getting closer! Of course, year-end is always a busy time for financial, tax, and estate planning advisors. Between reviewing investment portfolios, evaluating tax strategies, and helping clients prepare for the coming year, there’s plenty to cover. You may wonder how on earth you’ll find the bandwidth to also meet with clients about charitable giving.
Fortunately, charitable giving doesn’t have to be a separate conversation. In fact, some of the most productive charitable planning discussions begin with a question you’re probably already asking:
“How did your life change in 2026?”
Listen carefully to a client’s answer to this question. Does the client mention retirement? Unexpectedly high income? A new grandchild? Volunteering? Joining a favorite nonprofit’s board of directors? These are just a few examples of developments that can create opportunities for charitable planning. Here’s how:
Retirement
If a client mentions retirement, you could ask: “Do you plan to get more involved with your favorite causes?” This opens the door to helping the client plan for their charitable giving over the next few years, and perhaps even updating an estate plan or beneficiary designation to include a charitable gift through their estate plan to a Donor Advised Fund at the Foundation or another charitable organization. What’s more, a discussion about retirement is a natural lead-in to helping clients age 70½ or older explore the benefits of Qualified Charitable Distributions (QCDs) from their IRAs. QCDs can’t go to Donor Advised Funds, but they can support other funds at the Foundation, such as Field of Interest or Unrestricted Funds. Reach out to our team for more information about QCDs.
High Income
If a client mentions that their income was higher this year than expected, it makes sense to ask: “Are you considering increasing your charitable giving?” If the client says yes, you can provide more detail on year-end planning techniques that could help your client achieve their philanthropic goals alongside financial goals. In many cases, the Foundation offers tools and resources to help achieve these goals, so please reach out to our team.
Growing Family
If a client tells you about a new grandchild, you could ask: “As your family grows, have you thought about ways to pass along your values and philanthropic priorities to the next generation?” You can go even deeper by suggesting that a Donor Advised Fund at the Foundation can provide a structure for involving family members in giving decisions, supporting favorite causes together, and passing along philanthropic values. The team at the Foundation regularly works with families across generations to make a difference in the community. Please loop us in; we are here to support you as you serve your clients.
Expanding Community Involvement
If a client tells you about joining a nonprofit’s board of directors, you could ask: “Does this new role change how you think about your charitable giving plan?” If the client says yes, the easiest thing to do is suggest bringing the Foundation into the conversation. “The Foundation is a terrific resource and sounding board for anything related to philanthropy,” you can say. “I’ll reach out to my contact at the Foundation and suggest that the three of us jump on a 15-minute call or Zoom next week.”
As always, the Foundation is happy to help. Whether you’re looking for ideas to start a conversation, exploring a particular charitable planning strategy for a specific client, or anything in between, we’re here to serve as a resource for you and your clients.
最大化客户的慈善捐赠
通过萨克拉门托地区社区基金会设立慈善基金既简单又有成就感。我们致力于帮助您创建符合客户目标的合适捐赠账户——让他们享受灵活服务、有效投资和本地影响力的好处。