{"id":96009,"date":"2026-11-04T16:02:01","date_gmt":"2026-11-05T00:02:01","guid":{"rendered":"https:\/\/www.sacregcf.org\/?p=96009"},"modified":"2026-11-11T17:21:18","modified_gmt":"2026-11-12T01:21:18","slug":"start-stop-and-continue-your-charitable-advising-tune-up","status":"publish","type":"post","link":"https:\/\/www.sacregcf.org\/zh-hans\/start-stop-and-continue-your-charitable-advising-tune-up\/","title":{"rendered":"Start, Stop, and Continue: Your Charitable Advising Tune-Up"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The world of tax, financial, and estate planning is changing rapidly. Indeed, accounting professionals are well aware of these dynamics: 86% expect AI to increase their ability to deliver advisory work over the next 12 months, and 44% want their firms to be known for growth-focused advisory by 2030, according to a <a href=\"https:\/\/www.firmofthefuture.com\/news\/accountant-tech-survey-2026\/\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.firmofthefuture.com\/news\/accountant-tech-survey-2026\/\" target=\"_blank\" rel=\"noopener\">2026 Intuit QuickBooks survey<\/a> of 725 U.S. accounting professionals.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What\u2019s more, philanthropy is becoming central to wealth management, especially as $18 trillion is expected to flow to charitable causes over the next few decades of generational wealth transfer, according to <a href=\"https:\/\/www.cerulli.com\/press-releases\/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.cerulli.com\/press-releases\/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048\" target=\"_blank\" rel=\"noopener\">Cerulli Associates<\/a>, creating opportunities for advisors to connect financial planning with clients\u2019 values, family relationships, and legacy goals.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick three-part \u201cstart, stop, and continue\u201d tune-up to help you enhance your work with charitable clients.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Start<\/em> asking what clients want their giving to accomplish.\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It can be tempting to begin a charitable planning conversation with tools like <a href=\"https:\/\/www.sacregcf.org\/donors\/donor-advised-funds\/\" data-type=\"page\" data-id=\"553\" target=\"_blank\" rel=\"noreferrer noopener\">Donor Advised Funds<\/a>, charitable trusts, QCDs, appreciated stock, and the tax benefits associated with each. But new research suggests that starting with the \u201cwhy\u201d may be more important.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/tpi.org\/news_tpi\/2026studyrelease\/\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/tpi.org\/news_tpi\/2026studyrelease\/\" target=\"_blank\" rel=\"noopener\">2026 Study of the Philanthropic Conversation<\/a> from The Philanthropic Initiative (TPI) found a few eye-opening gaps between what advisors think motivates high-net-worth clients and what clients themselves say. Advisors, for example, ranked \u201cbeing an inspiration for others\u201d as the most common motivation for giving, cited by 51%. Among clients, this factor ranked only 11th out of 12 motivations, at just 24%. In addition, advisors were nearly twice as likely as clients to identify reducing taxes as an important motivation\u201440% versus 21%. Clients instead put making an impact, feeling good about giving, and giving back at the top of the list.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you aren\u2019t already doing so, start your charitable conversations with a question: \u201cWhat would you like your charitable giving to accomplish?\u201d&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer may lead to a tax strategy, a particular giving vehicle, a family conversation, or something else entirely. As always, our team is honored to be your first call as a charitable giving resource. We can help you explore what matters to your client and then work with you to identify charitable strategies that fit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Stop<\/em> steering clients toward \u201ctoo good to be true\u201d charitable giving arrangements.\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A few months ago, the U.S. Department of the Treasury and IRS issued <a href=\"https:\/\/www.irs.gov\/newsroom\/treasury-irs-issue-final-regulations-naming-certain-charitable-remainder-annuity-trust-transactions-as-listed-transactions\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.irs.gov\/newsroom\/treasury-irs-issue-final-regulations-naming-certain-charitable-remainder-annuity-trust-transactions-as-listed-transactions\" target=\"_blank\" rel=\"noopener\">final regulations<\/a> identifying certain abusive charitable remainder annuity trust (CRAT) arrangements as \u201clisted transactions,\u201d triggering disclosure requirements for certain participants and their advisors.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The specific type of transactions targeted by these regulations generally involve transferring appreciated property to a purported CRAT, selling the property, using the proceeds to purchase a single premium immediate annuity, and then misapplying tax rules in an effort to avoid ordinary income or capital gains taxes. The IRS emphasized that it will continue to scrutinize these arrangements and that failure to comply with required disclosures may result in penalties.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI doubt I\u2019ll ever set up a CRAT in my entire career,\u201d you may be thinking. Which may absolutely be the case! The point is that CRAT regulations are just one example in a long line of situations where the IRS has cracked down on abusive charitable giving arrangements. If you are ever tempted to implement trendy and aggressive techniques, stop. Pausing for a moment to call our team for a gut check may be a wise move to protect your clients and protect yourself.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Continue<\/em> bringing the family into the conversation.\u00a0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s something you may already be doing\u2014and the latest research offers a compelling reason to keep doing it.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/tpi.org\/executive-summary-2026-tpi-study-the-philanthropic-conversation\/\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/tpi.org\/executive-summary-2026-tpi-study-the-philanthropic-conversation\/\" target=\"_blank\" rel=\"noopener\">same 2026 TPI study<\/a> found that 95% of advisors believe discussing philanthropy is important for building relationships with clients\u2019 extended families, up from 71% in 2018. Clients see the value, too: 78% of high-net-worth clients said including extended family members in philanthropic conversations is important. And there is a business-development benefit. Eighty-eight percent of advisors said philanthropic conversations deepen existing client relationships, while 92% said they help establish new relationships.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, ultra-high-net-worth Americans (those with a net worth of $30 million or more) donated approximately $107 billion to charity in 2025, according to <a href=\"https:\/\/altrata.com\/reports\/high-net-worth-philanthropy-2026\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/altrata.com\/reports\/high-net-worth-philanthropy-2026\" target=\"_blank\" rel=\"noopener\">Altrata\u2019s High Net Worth Philanthropy 2026 report<\/a>, as reported by <a href=\"https:\/\/www.investmentnews.com\/practice-management\/us-ultra-wealthy-gave-107bn-in-2025-as-philanthropy-reshapes-wealth-planning\/268569\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.investmentnews.com\/practice-management\/us-ultra-wealthy-gave-107bn-in-2025-as-philanthropy-reshapes-wealth-planning\/268569\" target=\"_blank\" rel=\"noopener\">InvestmentNews<\/a>\u2014reflecting the growing importance of philanthropy in wealth management and estate planning. The same TPI study also reveals a disconnect between clients and advisors: 75% of high-net-worth clients say they would be more likely to select an advisor who is knowledgeable about philanthropy, yet only 45% of advisors say they discuss philanthropy with most of their clients, according to <a href=\"https:\/\/www.investmentnews.com\/practice-management\/philanthropic-planning-is-wealth-managements-next-competitive-frontier-beyond-dafs\/267630\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.investmentnews.com\/practice-management\/philanthropic-planning-is-wealth-managements-next-competitive-frontier-beyond-dafs\/267630\" target=\"_blank\" rel=\"noopener\">InvestmentNews<\/a>. As younger generations inherit significant wealth and embrace charitable giving, advisors who incorporate philanthropy into their practices may be better positioned to strengthen client relationships and retain families across generations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So keep talking about philanthropy\u2014and look for opportunities to widen the conversation. A discussion about the causes a client cares about can provide a natural, low-pressure way to bring children and grandchildren into the room, learn what matters to them, and begin building relationships across generations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Foundation can help here, too. Whether the goal is involving the next generation, establishing a family giving tradition, or simply helping clients articulate what they want their philanthropy to accomplish, we\u2019re happy to join you in the conversation. We look forward to hearing from you!<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-secondary-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-8f7c07b1 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0px;padding-top:var(--wp--preset--spacing--64);padding-bottom:var(--wp--preset--spacing--64)\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-b9edf328 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--36);padding-right:var(--wp--preset--spacing--24);padding-bottom:0;padding-left:var(--wp--preset--spacing--24)\">\n<p class=\"has-text-align-left has-base-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\" style=\"font-size:clamp(1.039rem, 1.039rem + ((1vw - 0.2rem) 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class=\"wp-block-button secondary-button\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.sacregcf.org\/zh-hans\/%e6%8d%90%e5%8a%a9-%e8%80%85\/\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.179), 1rem);\">\u5f00\u59cb\u4f7f\u7528<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Philanthropy is becoming central to wealth management.<\/p>\n","protected":false},"author":52,"featured_media":96010,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"tpgb_global_settings":"","_searchwp_excluded":"","_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[12],"tags":[],"class_list":["post-96009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u8428\u514b\u62c9\u95e8\u6258\u5730\u533a\u793e\u533a\u57fa\u91d1\u4f1a<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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