Bunch 5 years of giving into one DAF contribution, itemize once, then take standard deduction.
With standard deduction at $30K MFJ (2025), most charitable giving is deduction-invisible. DAF fix: contribute 3–5 years of planned giving into a Fidelity Charitable / Schwab Charitable / Vanguard Charitable DAF in one high-income year — itemize that year, then take standard deduction subsequent years while granting out of DAF over time. Grow inside DAF tax-free.
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Give appreciated stock — no cap gains, full FMV deduction, and rebuy with cash to reset basis.
Sell appreciated asset inside CRT — no cap gains, income stream for life, remainder to charity.
Zeroed-out CLAT: charity gets annual payments, heirs get remainder gift-tax-free.
Direct up to $105K/yr from IRA to charity — counts toward RMD, NOT in AGI.
Fund a family foundation for legacy giving, employ next gen, control grants forever.
Donate development rights on land → charitable deduction of full easement value.
Donate the facade of a historic building — deduction ~10–15% of building value.
Contribute to a charity-managed pool — get pro-rata income for life + charitable deduction.