In this episode, we tackle one of the most overlooked and impactful ways to give—through appreciated assets. Whether you’re thinking about supporting your church or blessing a loved one, we break down how to give more wisely and tax-efficiently. This conversation was inspired by a listener from Marietta, and we couldn’t resist diving deeper into this topic that stirs up both generosity and smart planning.
Join Randy, Nic, and me (Aaron) as we explore two powerful angles: giving to charities versus giving to individuals. You’ll hear real-life stories, key strategies to avoid unnecessary taxes, and tips on how to be generous without creating financial complications for your recipients. If you’ve ever wondered whether to write a check or gift appreciated stock instead—this episode’s for you.
Episode Timeline:
- [0:00] Welcome & Introduction
- [0:30] Two Paths for Giving: Cash vs. Appreciated Assets
- [1:08] Giving to Charity: The Charitable Version
- [2:09] Real-Life Example: Gifting to Family
- [4:16] Gift Tax Rules & Bracket Management
- [5:38] Special Considerations: Disabilities & Financial Aid
- [7:27] Generosity Spurs Generosity
- [8:24] Key Takeaways & Final Thoughts
- [8:54] Disclaimers & Contact Info
Key Takeaways:
- Donating appreciated assets can help you avoid capital gains taxes and provide a bigger benefit to charities.
- Gifting investments to family members in lower tax brackets can be a win-win, but be mindful of gift tax limits and special situations.
- Always seek professional advice to ensure your generosity doesn’t unintentionally impact someone’s benefits or financial aid.
Links & Resources:
- Email us your questions: connect@yourretirementcoach.com
- Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972
- Learn more about our team: Yeoman’s Consulting Group
Thanks for being generous with your time. If you enjoyed today’s episode, please follow, rate, and share the podcast. And don’t forget to leave us a review—your feedback helps us serve more coachable people like you!
🛑 Disclaimer: Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
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