Charity Strategies
Sterling analyzes 6 Charity topics against every household.
| Topic | What it does |
|---|---|
| Account Titling for Charities | Match pre-tax retirement assets to charity and step-up-eligible taxable assets to heirs so the household's charitable intent is funded with the most tax-efficient dollars. |
| Charitable Remainder Annuity Trust | Evaluate a one-time CRAT funded with appreciated assets to produce a partial income-tax deduction, a fixed lifetime annuity, and a remainder to charity. |
| Donate Appreciated Securities | Replace annual cash gifts with in-kind transfers of appreciated long-term-held securities to charity or a donor-advised fund, avoiding capital-gains tax and deducting fair market value. |
| Donor Advised Fund | Open a Donor-Advised Fund to centralize charitable contributions, enable bunching strategies, and accept in-kind donations of appreciated assets. |
| Qualified Charitable Distributions | Direct IRA distributions to qualified charities for donors 70.5+, satisfying RMDs while excluding the distribution from AGI. |
| Stacked Charitable Donations | Bunch multiple years of charitable giving into a single tax year to exceed the standard deduction and capture itemized tax benefits. |