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Charitable & Philanthropic

Donate Long-Held Appreciated Stock (Skip Cap Gains)

Give appreciated stock — no cap gains, full FMV deduction, and rebuy with cash to reset basis.

Overview

Donate stock held 12+ months at cost of $10K, FMV $100K: full $100K FMV deduction (up to 30% AGI for LTCG property), never pay $18K cap gains tax. Rebuy identical shares with cash you would've donated → new cost basis $100K → future gains only above $100K. Effective double win.

Best fit
Employees with long-vested RSU/ESPPLong-term index-fund holdersAnyone with concentrated appreciated positions
Estimated impact
Skip 15–20% cap gains + full FMV deduction

Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.

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