charitable giving Archives - IECF https://www.iegives.org/tag/charitable-giving/ Inland Empire Community Foundation Tue, 02 Jun 2026 21:17:28 +0000 en-US hourly 1 https://www.iegives.org/wp-content/uploads/2020/03/cropped-iecf-logo-icon-150x150.png charitable giving Archives - IECF https://www.iegives.org/tag/charitable-giving/ 32 32 Good news keeps coming: Retirement plans and charitable giving https://www.iegives.org/professional-advisor-hub-retirement-qcd/ Tue, 02 Jun 2026 21:17:28 +0000 https://www.iegives.org/?p=28666 You’ve no doubt noticed that Qualified Charitable Distributions (“QCDs”) continue to gain traction as one of the most practical and effective charitable planning tools for clients over age 70 ½. By allowing eligible clients to transfer funds directly from an IRA to a qualified charity without recognizing the distribution as taxable income, QCDs can help reduce adjusted gross income while supporting charitable priorities. For many clients—especially those who do not itemize deductions—a QCD is particularly appealing.  What’s especially notable is that in recent years, Congress has expanded planning opportunities by indexing annual giving limits for inflation ($111,000 per person in 2026) and allowing certain one-time QCDs (“Legacy IRAs”) to fund charitable gift annuities and charitable remainder trusts. And now, proposed legislation known as the “Charity Parity Act” would, if enacted, extend QCD treatment beyond IRAs to include employer-sponsored retirement plans such as 401(k)s, 403(b)s, and 457(b)s. This potential change in the law would remove the extra step of rolling assets into an IRA before making a charitable gift, simplifying the process for many donors whose retirement savings remain primarily in workplace plans. Consider a typical client scenario. Your client, age 74, is taking Required Minimum Distributions (“RMDs”) from a traditional […]

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]]> You’ve no doubt noticed that Qualified Charitable Distributions (“QCDs”) continue to gain traction as one of the most practical and effective charitable planning tools for clients over age 70 ½. By allowing eligible clients to transfer funds directly from an IRA to a qualified charity without recognizing the distribution as taxable income, QCDs can help reduce adjusted gross income while supporting charitable priorities. For many clients—especially those who do not itemize deductions—a QCD is particularly appealing. 

What’s especially notable is that in recent years, Congress has expanded planning opportunities by indexing annual giving limits for inflation ($111,000 per person in 2026) and allowing certain one-time QCDs (“Legacy IRAs”) to fund charitable gift annuities and charitable remainder trusts. And now, proposed legislation known as the “Charity Parity Act” would, if enacted, extend QCD treatment beyond IRAs to include employer-sponsored retirement plans such as 401(k)s, 403(b)s, and 457(b)s. This potential change in the law would remove the extra step of rolling assets into an IRA before making a charitable gift, simplifying the process for many donors whose retirement savings remain primarily in workplace plans.

Consider a typical client scenario. Your client, age 74, is taking Required Minimum Distributions (“RMDs”) from a traditional IRA. Because the client claims the standard deduction, charitable gifts do not generate additional tax savings. By instead directing a portion of the RMD to a qualified charity as a QCD, the client can satisfy part or all of the RMD obligation without increasing taxable income. In many cases, this can also help reduce Medicare premium surcharges and lessen the taxation of Social Security benefits, creating planning advantages beyond the charitable deduction itself.

Here are three examples of how IECF can help your client achieve charitable goals through QCDs:

—A client directs a QCD from an IRA to IECF’s unrestricted fund to support broad community needs. The client satisfies part or all of the client’s annual RMD requirements while supporting flexible grantmaking that addresses changing priorities in the region.

—A client uses a QCD to contribute to a field-of-interest fund at IECF focused on causes such as education, healthcare, the arts, or environmental conservation. This allows the client to support a specific area of passion while relying on IECF’s expertise to identify effective nonprofit organizations over time.

—A client makes a QCD to an existing designated fund or scholarship fund held at IECF. For example, the client may support a favorite local nonprofit through a designated fund or help students pursue higher education through an endowed scholarship fund, all while reducing taxable income through a QCD.

Keep in mind that charitable giving with IRAs goes beyond current gifts to charity! As part of advising clients about their IRAs, be sure to check their beneficiary designations. Not only is it tax advantageous for a client to name a fund at IECF or another public charity as beneficiary of an IRA, but it’s also a best practice to avoid problems in the future. (Retirement plan beneficiary designations continue to show up in cautionary tales!)   

For attorneys, CPAs, and financial advisors, developments related to QCDs are worth watching closely. QCDs increasingly serve as a natural connector among retirement planning, philanthropy, and legacy conversations. Just as importantly, QCD discussions often open the door to broader planning opportunities, helping clients align financial goals with the causes and communities they care about most. As always, please reach out to IECF anytime! 

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

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The team at IECF is honored to serve as a resource and sounding board as you help your clients build their charitable plans and pursue their philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> Split-interest charitable gifts: Need-to-know FAQs https://www.iegives.org/professional-advisor-hub-split-interests/ Tue, 02 Jun 2026 21:15:41 +0000 https://www.iegives.org/?p=28664 As charitable planning conversations become more sophisticated, many advisors are revisiting so-called “split-interest gifts” to help clients balance philanthropic goals with income needs. Two of the most common strategies—a charitable gift annuity (CGA) and a charitable remainder trust (CRT)—can both provide clients with lifetime income while ultimately benefiting charitable causes. Despite their similarities, the two vehicles function very differently and may serve distinct client needs. Understanding when to consider each option can help attorneys, CPAs, and financial advisors deliver more customized and impactful planning guidance. Unless your practice specializes in charitable giving, though, you’re not likely to have the rules for CGAs and CRTs at your fingertips. Here are six FAQs to get you started. What do CGAs and CRTs do for a client? At a high level, both a CGA and a CRT would allow your client to make an irrevocable charitable gift while retaining an income stream for life or for a term of years. In both cases, your client may qualify for an immediate charitable income tax deduction, and a portion of future payments may receive favorable tax treatment. In short, people use CGAs and CRTs to save taxes, make a gift to charity, and create an […]

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]]> As charitable planning conversations become more sophisticated, many advisors are revisiting so-called “split-interest gifts” to help clients balance philanthropic goals with income needs. Two of the most common strategies—a charitable gift annuity (CGA) and a charitable remainder trust (CRT)—can both provide clients with lifetime income while ultimately benefiting charitable causes. Despite their similarities, the two vehicles function very differently and may serve distinct client needs.

Understanding when to consider each option can help attorneys, CPAs, and financial advisors deliver more customized and impactful planning guidance. Unless your practice specializes in charitable giving, though, you’re not likely to have the rules for CGAs and CRTs at your fingertips. Here are six FAQs to get you started.

What do CGAs and CRTs do for a client?

At a high level, both a CGA and a CRT would allow your client to make an irrevocable charitable gift while retaining an income stream for life or for a term of years. In both cases, your client may qualify for an immediate charitable income tax deduction, and a portion of future payments may receive favorable tax treatment. In short, people use CGAs and CRTs to save taxes, make a gift to charity, and create an income stream. 

Which is easier—a CGA or a CRT?

A charitable gift annuity is generally the simpler of the two arrangements. The client transfers assets to a charitable organization in exchange for a fixed lifetime payment backed by the charity’s general assets. Payment rates are typically based on age and standardized actuarial assumptions. Because the payout is fixed and administration is relatively straightforward, CGAs often appeal to older donors seeking predictability and simplicity. Note that not every charity offers a CGA option; many smaller or mid-sized nonprofits lack the resources, licenses, or state registrations needed to manage them. 

Which is more flexible—a CGA or a CRT?

A charitable remainder trust offers considerably more flexibility than a CGA, but it is also more complex. A CRT is a separately administered trust—its own legal entity—that pays income to one or more beneficiaries before the remaining assets eventually pass to charity. Unlike a CGA, a CRT can be designed in different ways. A charitable remainder annuity trust (CRAT) provides fixed annual payments, while a charitable remainder unitrust (CRUT) pays a variable amount based on a percentage of the trust’s annually revalued assets.

Which option is better for clients contributing larger assets? 

CRTs are often better suited for clients contributing larger or more complex assets. Because the trust can sell appreciated assets without triggering immediate capital gains tax within the trust, CRTs are frequently used in connection with highly appreciated real estate, concentrated stock positions, or even business interests prior to a sale.

In addition, CRTs can accommodate multiple beneficiaries, customized payout structures, and professional investment management strategies. Clients who want greater flexibility, longer-term wealth planning opportunities, or inflation-sensitive income may prefer a unitrust structure over the fixed nature of a CGA.

Of course, that flexibility comes with added responsibilities. CRTs require formal trust administration, annual tax filings, ongoing investment oversight, and legal drafting. CGAs, on the other hand, are generally easier for clients to understand and establish.

When is a CGA better?

You may recall that a technique called a “Legacy IRA” was created by the SECURE 2.0 Act, allowing taxpayers aged 70 ½ or older to make a one-time election for a tax-free Qualified Charitable Distribution to certain CRTs or CGAs. Clients who want to take advantage of the Legacy IRA may find that a CGA is better suited to their needs. The cost of setting up and administering a CRT may not be worth it because the limit for these transactions is $55,000 (2026 level) per person.

What’s the first step in exploring CRTs and CGAs?

As always, the team at IECF is honored to be your first call whenever charitable giving comes up in a client conversation. If you are exploring CGAs and CRTs, we’ll point you in the right direction so that you can evaluate the rules for each technique and review important questions related to the particular client situation, including what type of asset will fund the gift, the size of the proposed contribution, the client’s income goals, the number of beneficiaries, and cost concerns. 

Finally, keep in mind that charitable giving conversations are not limited to ultra-high-net-worth households. Many clients today are seeking ways to create reliable retirement income while also making meaningful charitable commitments. Split-interest gifts can help accomplish both objectives simultaneously.

We look forward to our next conversation! 

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

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The team at IECF is honored to serve as a resource and sounding board as you help your clients build their charitable plans and pursue their philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> Getting creative: Unusual noncash assets can make great gifts to charity https://www.iegives.org/professional-advisor-hub-charitable-assets/ Tue, 02 Jun 2026 21:08:11 +0000 https://www.iegives.org/?p=28662 If you’re like many advisors, you may have discovered that often charitable giving conversations begin (and end!) with cash or appreciated stock. And of course, you are well aware that appreciated stock is an excellent choice for your clients to fund a donor-advised or other type of fund at IECF because it may avoid capital gains tax while also possibly triggering eligibility for a charitable deduction at fair market value.  But for some clients—especially business owners, collectors, and affluent retirees—valuable assets may take a different form entirely. Boats, airplanes, cars, RVs, and other tangible property can represent a mixed bag of characteristics: significant wealth, ongoing maintenance costs, and emotional attachment, all of which may add up to a charitable giving opportunity. These situations may no longer be one-off cases. Classic cars are a notable example, with some estimates tallying the total at more than 43 million vehicles in the United States alone—an estimated $1 trillion in total insurable value! Here are four tips to consider as you work with your charitable clients. Always reach out to IECF Anytime you’re dealing with a charitable client, please reach out to IECF to explore your client’s options. Your clients may be surprised to […]

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]]> If you’re like many advisors, you may have discovered that often charitable giving conversations begin (and end!) with cash or appreciated stock. And of course, you are well aware that appreciated stock is an excellent choice for your clients to fund a donor-advised or other type of fund at IECF because it may avoid capital gains tax while also possibly triggering eligibility for a charitable deduction at fair market value. 

But for some clients—especially business owners, collectors, and affluent retirees—valuable assets may take a different form entirely. Boats, airplanes, cars, RVs, and other tangible property can represent a mixed bag of characteristics: significant wealth, ongoing maintenance costs, and emotional attachment, all of which may add up to a charitable giving opportunity. These situations may no longer be one-off cases. Classic cars are a notable example, with some estimates tallying the total at more than 43 million vehicles in the United States alone—an estimated $1 trillion in total insurable value!

Here are four tips to consider as you work with your charitable clients.

Always reach out to IECF

Anytime you’re dealing with a charitable client, please reach out to IECF to explore your client’s options. Your clients may be surprised to learn that public charities, such as IECF, can accept a wide range of noncash assets, provided the assets can be evaluated, valued, transferred, and ultimately liquidated to support your clients’ charitable goals.

Ask questions beyond balance sheet basics

Clients may forget to mention that they own highly appreciated noncash assets. As clients prepare to meet with you, they are often so focused on gathering investment statements and real estate information that they forget about classic cars, RVs, planes, and boats! Comprehensive conversations are especially timely as many affluent households continue to hold substantial wealth outside of traditional investment portfolios. Recreational assets purchased years ago may now hold significant value while also generating ongoing expenses, storage concerns, and succession-planning questions. Clients who are downsizing or simplifying during retirement may welcome charitable strategies that transform underused assets into community impact. 

Build your client’s charitable plan prior to a sale

When you spot unusual assets on a client’s balance sheet, and you know your client is charitable, it’s important to consider the possibilities. A client preparing to sell a classic car or boat, for example, could incur significant capital gains tax if the asset has appreciated in value. Contributing the asset to a fund at IECF before a sale may help reduce or eliminate those taxes while also generating funds to support charitable causes the client cares about. 

Pay attention to the rules

Gifts of noncash assets require careful coordination. Unlike publicly traded securities, these assets involve additional due diligence. Title transfers, appraisals, environmental reviews for real estate, insurance considerations, debt obligations, marketability, and liquidation logistics all require attention. The IRS also imposes specific substantiation and reporting requirements for charitable deductions involving noncash gifts.

The team at IECF is happy to work alongside you and clients’ other attorneys, CPAs, valuation experts, and financial advisors to determine whether proposed gifts are feasible and which structures might be best. In many cases, IECF can accept the asset and facilitate its sale. 

The bottom line here is that for a charitable client, using a much-loved car collection, boat, or other luxury asset to support favorite causes and address community needs may be far more appealing than knowing the asset could sit in storage for years and years, with no end in sight to the maintenance expenses. You can add tremendous value by helping your clients consider whether highly specialized collections and “passion assets” are better suited for charitable planning than for transfer through an estate, especially when heirs may not share the same interest in maintaining or managing them. Whether your client owns a rare bicycle collection, antique toy collection, classic cars, or a country music producer’s private library, conversations about donating unusual assets can help clients simplify their estates, support charitable priorities, and avoid placing the emotional and logistical burden of niche collections on the next generation.

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at IECF is honored to serve as a resource and sounding board as you help your clients build their charitable plans and pursue their philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> All that and more: Your donor-advised fund may surprise you https://www.iegives.org/donor-knowledge-hub-donor-advised-surprise/ Tue, 02 Jun 2026 20:45:52 +0000 https://www.iegives.org/?p=28660 You might initially think of a donor-advised fund as a simple charitable savings account: contribute assets, immediately receive a tax deduction, if eligible, and recommend grants to your favorite 501(c)(3) nonprofits over time. While that is certainly true, many people are surprised to learn just how flexible a donor-advised fund at IECF can be. For many donors, the creative use of donor-advised funds at IECF opens the door to a larger charitable impact than they originally thought possible. Here’s how: Your fund grows and changes alongside your life Many people do not realize that a donor-advised fund at IECF can help simplify giving during major life transitions. If you are preparing for retirement, selling a business, receiving an inheritance, or navigating a particularly high-income year, your donor-advised fund can provide flexibility in both timing for income tax planning and philanthropic grantmaking decisions. What’s more, during many of these transitions, it may make sense to look beyond cash gifts and explore using appreciated stock, closely held business interests, real estate, and other noncash assets to fund your charitable goals in tax-efficient ways. Your fund can help you engage the next generation Some donors are using donor-advised funds at IECF to involve […]

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]]> You might initially think of a donor-advised fund as a simple charitable savings account: contribute assets, immediately receive a tax deduction, if eligible, and recommend grants to your favorite 501(c)(3) nonprofits over time. While that is certainly true, many people are surprised to learn just how flexible a donor-advised fund at IECF can be.

For many donors, the creative use of donor-advised funds at IECF opens the door to a larger charitable impact than they originally thought possible. Here’s how:

Your fund grows and changes alongside your life

Many people do not realize that a donor-advised fund at IECF can help simplify giving during major life transitions. If you are preparing for retirement, selling a business, receiving an inheritance, or navigating a particularly high-income year, your donor-advised fund can provide flexibility in both timing for income tax planning and philanthropic grantmaking decisions. What’s more, during many of these transitions, it may make sense to look beyond cash gifts and explore using appreciated stock, closely held business interests, real estate, and other noncash assets to fund your charitable goals in tax-efficient ways.

Your fund can help you engage the next generation

Some donors are using donor-advised funds at IECF to involve children and grandchildren in family philanthropy. Because grants can be recommended over many years to 501(c)(3) organizations locally and across the country, donor-advised funds create opportunities for ongoing conversations about values, generosity, and community impact across generations.

IECF supports your areas of focus

Working with your local community foundation adds the important elements of flexibility, personalization, and expertise. Unlike national commercial donor-advised fund providers, community foundations combine the administrative advantages of a donor-advised fund with deep local knowledge and personalized philanthropic support. IECF can help identify community needs, connect you with nonprofit organizations of all shapes and sizes, and explore creative strategies tailored to your own charitable interests. IECF is here to help you support your favorite causes, whatever they may be.

The takeaway? Your donor-advised fund at IECF is much more than just a giving account—it is a flexible tool for building a thoughtful, lasting charitable legacy that supports your favorite causes and the community as a whole. Please reach out to our team to expand your impact and enjoy your philanthropy even more! 

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> “Nice to meet you”: Introducing your advisors to the IECF team https://www.iegives.org/donor-knowledge-hub-meet-iecf/ Tue, 02 Jun 2026 20:36:55 +0000 https://www.iegives.org/?p=28658 At IECF, we are honored to work with many individuals, families, and businesses who support the causes that matter most to them and help make our entire community a better place to live. In many cases, trusted professional advisors, including attorneys, CPAs, and financial advisors, are helping donors make important decisions about taxes, investments, estate planning, and family wealth.  All of this is wonderful! There’s one more step, however, that is often overlooked: Connecting the dots. If you are a donor or fund holder at IECF, or plan to establish a fund in the near future, please consider introducing your advisors to the IECF team. A simple introduction can make a tremendous difference in ultimately achieving your charitable goals. Here’s why: Attorneys, CPAs, and wealth managers are experts in many aspects of financial and estate planning, and their work is essential in helping you develop and implement strategies through legal documentation, tax filings, and other technical guidance. Not all advisors, however, are experts in charitable giving.  IECF, by comparison, brings to the table specialized knowledge about charitable giving strategies, local nonprofit needs, philanthropic tools that may be best suited for your particular situation, and the types of assets you might […]

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]]> At IECF, we are honored to work with many individuals, families, and businesses who support the causes that matter most to them and help make our entire community a better place to live. In many cases, trusted professional advisors, including attorneys, CPAs, and financial advisors, are helping donors make important decisions about taxes, investments, estate planning, and family wealth. 

All of this is wonderful! There’s one more step, however, that is often overlooked: Connecting the dots. If you are a donor or fund holder at IECF, or plan to establish a fund in the near future, please consider introducing your advisors to the IECF team. A simple introduction can make a tremendous difference in ultimately achieving your charitable goals. Here’s why:

  • Attorneys, CPAs, and wealth managers are experts in many aspects of financial and estate planning, and their work is essential in helping you develop and implement strategies through legal documentation, tax filings, and other technical guidance. Not all advisors, however, are experts in charitable giving. 
  • IECF, by comparison, brings to the table specialized knowledge about charitable giving strategies, local nonprofit needs, philanthropic tools that may be best suited for your particular situation, and the types of assets you might consider giving to achieve your goals.
  • IECF certainly does not offer legal, tax, or financial advice, but we absolutely stay current on legal, tax, and charitable developments. In turn, we can keep you and your advisors informed about which trends to watch. 
  • When you establish a fund at IECF as part of your charitable plan, our team will handle the paperwork and administration to create and manage that fund. This is often a relief to your advisors, not to mention a relief to you! 

Importantly, collaborative conversations among donors, advisors, and IECF are not only for ultra-high-net-worth families. Even relatively straightforward charitable plans can benefit from collaboration between your advisors and IECF. In many cases, donors discover giving opportunities they might not otherwise have considered. What’s more, many advisors appreciate having philanthropic specialists available to help explore charitable strategies that benefit both the donor and the causes they care about.

So what can you do? We invite and encourage you to take the lead! A simple email introducing each of your advisors to the IECF team is often all that is required to open the door to better communication and stronger planning. IECF is always happy to join a conversation with you and your advisors, but a baseline introduction is the most critical part.  

When professionals work together, the result is often a more coordinated and impactful charitable plan. By connecting your advisors with IECF, you help create a team that can support both your financial goals and your desire to make a lasting difference. We look forward to hearing from you—and meeting your advisors! Thank you for all you do to make our community a better place. 

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

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The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> A moment to meet: Philanthropy’s crucial role https://www.iegives.org/donor-knowledge-hub-charitable-giving-role/ Tue, 02 Jun 2026 20:34:24 +0000 https://www.iegives.org/?p=28655 Over the last several years, communities across the country, including our own region, have faced moments of enormous challenge—from natural disasters and economic uncertainty to housing shortages and growing mental health needs. Increasingly, the IECF team is talking with donors and fund holders about how their charitable giving can make the biggest difference right now. This idea is being described in industry circles as “meeting the moment.” In the simplest terms, meeting the moment means responding thoughtfully and generously to the needs that matter most today while still keeping long-term community impact in mind. Sometimes that means supporting immediate emergency relief efforts. Other times, it means helping nonprofits today so that they can build long-term solutions that strengthen our community for years to come. Here are three tips that may help you and your family consider how you can make the biggest difference: Think broadly about your charitable giving plan Many fund holders have adopted a “portfolio approach” to their philanthropy, leaning on IECF to serve as a convenient and strategic hub. For example, your charitable giving “portfolio” at IECF might include a donor-advised fund to support your annual and ongoing charitable giving, legacy provisions to ensure that your impact […]

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]]> Over the last several years, communities across the country, including our own region, have faced moments of enormous challenge—from natural disasters and economic uncertainty to housing shortages and growing mental health needs. Increasingly, the IECF team is talking with donors and fund holders about how their charitable giving can make the biggest difference right now. This idea is being described in industry circles as “meeting the moment.”

In the simplest terms, meeting the moment means responding thoughtfully and generously to the needs that matter most today while still keeping long-term community impact in mind. Sometimes that means supporting immediate emergency relief efforts. Other times, it means helping nonprofits today so that they can build long-term solutions that strengthen our community for years to come.

Here are three tips that may help you and your family consider how you can make the biggest difference:

Think broadly about your charitable giving plan

Many fund holders have adopted a “portfolio approach” to their philanthropy, leaning on IECF to serve as a convenient and strategic hub. For example, your charitable giving “portfolio” at IECF might include a donor-advised fund to support your annual and ongoing charitable giving, legacy provisions to ensure that your impact extends across future generations, capacity-building gifts to IECF itself to ensure the growth of philanthropy and impact across our region, and special “field of interest” or “designated funds” to support particular focus areas or specific nonprofit organizations as needs ebb and flow. The combination of multiple fund types and giving structures helps ensure that your dollars make the biggest difference.

Incorporate flexibility as you carry out your charitable giving plan

With the appropriate funds and planning vehicles in place, many donors take the next step to ensure their charitable portfolio allows for flexible funding during times of crisis and transition. Specifically, nonprofits in our community often need unrestricted support so they can respond quickly to changing conditions, invest in staff capacity, and continue serving people effectively even after headlines fade. Donors who understand this can play a powerful role in helping organizations remain resilient and responsive. IECF can help you identify instances where it’s most beneficial simply to provide general support to nonprofit organizations, rather than designating your gift to a specific program or desired outcome.

Consistency is key

Meeting the moment does not mean changing all your charitable priorities overnight, only to revert them back when the moment has passed. There will always be moments of need! Instead, “meeting the moment” means staying informed about current community needs with the help of the IECF team, remaining flexible in the causes you support and the ways you support them, and responding quickly when your philanthropy can create meaningful impact and your community needs it most. Sometimes, even a small adjustment in timing, focus, or funding approach can make a big difference in the lives of people in need.

As always, IECF is here to help. Our team members are deeply connected to local nonprofits and community leaders, which means we are uniquely positioned to identify emerging needs and opportunities for impact. Whether you want to respond to a current challenge, support a specific cause area, or balance immediate needs with long-term charitable goals, IECF can help you structure your overall giving strategy and serve as a sounding board as you carry out your plans.

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> Step by step, it starts with “love of humanity” https://www.iegives.org/donor-knowledge-hub-philanthropy/ Tue, 05 May 2026 16:56:54 +0000 https://www.iegives.org/?p=27850 The word “philanthropy” comes from Greek roots, meaning, quite simply, a love of humanity. It’s a big word—but at its heart, it reflects something very personal: the desire to help others, strengthen community, and make a difference in ways that matter to you. For some people, philanthropy means supporting a favorite nonprofit year after year. For others, it means volunteering time, responding to urgent needs, or thinking carefully about how to create lasting change. However it shows up, philanthropy is not one-size-fits-all. It’s as unique as the people behind it. That’s where IECF comes in. At IECF, we believe that everyone has a philanthropic instinct—it just looks different from person to person. Our role is to help you discover, shape, and act on that instinct in a way that reflects your values, your experiences, and your goals. Whether you already have a clear vision or are just beginning to explore what matters most, we’re here to help you connect the dots. But how, exactly, does this work? What does it look like in real life to get started with IECF? Often, the starting point is simply a conversation. Here’s what you can expect during your first meeting with a member […]

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]]> The word “philanthropy” comes from Greek roots, meaning, quite simply, a love of humanity. It’s a big word—but at its heart, it reflects something very personal: the desire to help others, strengthen community, and make a difference in ways that matter to you.

For some people, philanthropy means supporting a favorite nonprofit year after year. For others, it means volunteering time, responding to urgent needs, or thinking carefully about how to create lasting change. However it shows up, philanthropy is not one-size-fits-all. It’s as unique as the people behind it.

That’s where IECF comes in.

At IECF, we believe that everyone has a philanthropic instinct—it just looks different from person to person. Our role is to help you discover, shape, and act on that instinct in a way that reflects your values, your experiences, and your goals. Whether you already have a clear vision or are just beginning to explore what matters most, we’re here to help you connect the dots.

But how, exactly, does this work? What does it look like in real life to get started with IECF?

Often, the starting point is simply a conversation. Here’s what you can expect during your first meeting with a member of the IECF team.

We’ll review your favorite charities.

Together, we’ll take a look at a list of the charities you already support and review each organization to uncover the reasons you love and support each one. This is a crucial starting point because IECF is here to help you make the most of what you are already doing, and then build on that to discover how you can get even more involved.

We’ll chat about your story.

We enjoy hearing from our donors about the experiences that have shaped their lives. As we begin this part of our conversation, we’ll explore questions that help unlock where your charitable passions may lie and why. What challenges have you or your loved ones faced? What opportunities made a difference for you? Often, the causes we care about most are connected to our own journeys. Reflecting on these moments can help clarify where you feel most motivated to give.

We’ll talk about what’s going on in our community.

Which local issues capture your attention or spark a strong emotional response? It might be something you read in the news, a local initiative you hear about, or a cause a friend supports. These moments are often clues pointing toward what matters most to you. IECF can help provide context for these issues and share information about which organizations are directly addressing the local challenges that top your list.  

We’ll connect with your advisors about structure.

As your charitable purposes come into focus, we would welcome the opportunity to join you for a meeting with your estate planning and tax advisors, or even provide articles you can share with your advisors about charitable giving structures that might help you achieve your goals. Whether your charitable goals are best served via a donor-advised fund, unrestricted fund, legacy gift, IRA beneficiary designation, or anything in between, IECF can help implement your charitable intentions in ways that your advisors recommend are best aligned with the rest of your financial plan. 

As we take these steps together, remember that you don’t have to have all the answers right away. Philanthropy is a journey, not a destination. It’s okay to start small, to ask questions, and to adjust your approach along the way. Whether you’re ready to establish a fund, looking to deepen your involvement, or simply beginning to think about how you want to give back, IECF is here to help. Together, we can turn your love of humanity into meaningful, lasting impact—right here in the community we share.

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

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The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

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]]> What type of donor are you—spontaneous, results-focused, or deep into it already? https://www.iegives.org/donor-knowledge-hub-donors/ Tue, 05 May 2026 16:53:41 +0000 https://www.iegives.org/?p=27848 Even if you are new to charitable giving, you’ve likely discovered that there’s no single “right” way to approach making a difference. That’s not only normal—it’s a strength! Recent research reinforces what many donors already know intuitively: generosity looks different for everyone. Indeed, more than 80% of Americans report giving in some form, whether through financial contributions, volunteering, or civic involvement. The takeaway is simple: there’s no single profile of a “typical” donor. Instead, each person brings their unique values, goals, and experiences to philanthropy. That’s where IECF comes in. No matter where you are on your charitable journey—just getting started, giving consistently, or thinking about long-term legacy—we’re here to help you shape a plan that fits. Consider a few examples that may feel familiar. Here, there, and everywhere Some donors find themselves giving generously but without a clear structure. They support a wide range of causes, say “yes” when needs arise, and genuinely want to make a difference, but may not have a coordinated approach. If that sounds like you, a fund at IECF can help bring everything together. Many donors use a donor-advised fund to organize their giving in one place, making it easier to support favorite organizations […]

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]]> Even if you are new to charitable giving, you’ve likely discovered that there’s no single “right” way to approach making a difference. That’s not only normal—it’s a strength! Recent research reinforces what many donors already know intuitively: generosity looks different for everyone. Indeed, more than 80% of Americans report giving in some form, whether through financial contributions, volunteering, or civic involvement. The takeaway is simple: there’s no single profile of a “typical” donor. Instead, each person brings their unique values, goals, and experiences to philanthropy.

That’s where IECF comes in. No matter where you are on your charitable journey—just getting started, giving consistently, or thinking about long-term legacy—we’re here to help you shape a plan that fits.

Consider a few examples that may feel familiar.

Here, there, and everywhere

Some donors find themselves giving generously but without a clear structure. They support a wide range of causes, say “yes” when needs arise, and genuinely want to make a difference, but may not have a coordinated approach. If that sounds like you, a fund at IECF can help bring everything together. Many donors use a donor-advised fund to organize their giving in one place, making it easier to support favorite organizations while also stepping back to think more strategically about long-term impact. Over time, some donors expand their approach to include additional tools, such as field-of-interest funds or legacy plans, creating a more intentional and lasting charitable “portfolio.”

Results matter

Other donors are highly motivated to give but want to be sure their contributions are making a real difference. If you’ve ever paused before making a gift because you weren’t certain how funds would be used—or wondered how to identify the most effective organizations—you’re not alone. IECF can serve as a trusted partner in these moments, helping you evaluate opportunities, understand community needs, and connect with organizations that are delivering meaningful results. For many donors, this added layer of insight turns hesitation into confidence and leads to deeper engagement over time.

Starting small

Some donors feel strongly about giving but worry that their financial situation limits what they can do. They may already be supporting causes they care about, even in small ways, but assume that more structured or impactful philanthropy is out of reach. In reality, many donors begin with modest contributions and build from there. Establishing a fund at IECF—even with a relatively small initial gift—can provide a simple, organized way to give. And if you are thinking about the future, incorporating a legacy gift into a will, trust, or beneficiary designation can create a lasting impact without affecting current finances.

Already rolling!

Of course, many donors are already deeply engaged. You may be actively involved with nonprofits, serving on boards, or exploring more sophisticated ways to align your charitable giving with your financial and estate plans. In these cases, IECF can help you expand your impact even further—whether through gifts of appreciated assets, multi-generational giving strategies, or long-term endowment planning that supports the community for years to come.

The common thread across all of these examples is that there’s no single starting point—and no single destination. Charitable giving evolves over time, often alongside changes in your life, your family, and your priorities. What matters most is having the flexibility and support to adapt your approach as those changes occur.

That’s exactly what IECF is designed to provide. Whether you’re organizing your giving, exploring new opportunities, or planning for the future, our team is here to help you make the most of your philanthropy in a way that reflects your values and goals.

We’re honored to work with donors at every stage of the journey—and we look forward to continuing the conversation.

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

The post What type of donor are you—spontaneous, results-focused, or deep into it already? appeared first on IECF.

]]> Rethinking legacy: Balancing gifts to heirs with the community’s future https://www.iegives.org/donor-knowledge-hub-community/ Tue, 05 May 2026 16:48:33 +0000 https://www.iegives.org/?p=27846 Next time you meet with your estate planning attorney, it may be a good idea to check in on your long-term plans and ask yourself questions you might not yet have considered. Some planners, for example, report that more and more clients are reconsidering an automatic estate distribution to heirs. Instead, their clients are evaluating what type of legacies make the most sense and working hard to prepare children and grandchildren to receive that wealth. Times are changing, and regular, careful estate plan reviews with your advisors are more important than ever. Here are three interesting emerging themes: They don’t need it—or want it. Sometimes it makes good financial sense for heirs to disclaim inheritances from their parents. This Wall Street Journal article (subscription required) is instructive, noting that heirs can sometimes benefit from refusing an inheritance, allowing assets—especially tax-heavy ones like traditional IRAs—to pass to contingent beneficiaries in a more tax-efficient way. Legal disclaimers provide post-death flexibility for families to adjust estate plans in response to current circumstances, though they must be executed carefully to comply with strict rules. Strategic giving leads to local giving. High net worth donors are becoming more intentional and strategic in their charitable giving, […]

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]]> Next time you meet with your estate planning attorney, it may be a good idea to check in on your long-term plans and ask yourself questions you might not yet have considered. Some planners, for example, report that more and more clients are reconsidering an automatic estate distribution to heirs. Instead, their clients are evaluating what type of legacies make the most sense and working hard to prepare children and grandchildren to receive that wealth. Times are changing, and regular, careful estate plan reviews with your advisors are more important than ever.

Here are three interesting emerging themes:

They don’t need it—or want it.

Sometimes it makes good financial sense for heirs to disclaim inheritances from their parents. This Wall Street Journal article (subscription required) is instructive, noting that heirs can sometimes benefit from refusing an inheritance, allowing assets—especially tax-heavy ones like traditional IRAs—to pass to contingent beneficiaries in a more tax-efficient way. Legal disclaimers provide post-death flexibility for families to adjust estate plans in response to current circumstances, though they must be executed carefully to comply with strict rules.

Strategic giving leads to local giving.

High net worth donors are becoming more intentional and strategic in their charitable giving, focusing on outcomes, alignment with personal values, and long-term impact rather than making purely reactive or broad-based donations. Alongside these changes is a growing preference for supporting local organizations, as donors increasingly want to see the direct effects of their contributions within their own communities.

Hands-on local involvement and proactive planning go hand in hand.

Donors using donor-advised funds are particularly locally focused, as evidenced by volunteering statistics. These donors are significantly more likely to volunteer their time—especially within their own communities—demonstrating deeper, hands-on engagement with the organizations they support. This combination of higher volunteerism and frequent giving suggests that donor-advised fund donors are not only more active philanthropically but also more personally connected to local causes and community impact.

To learn how these trends might apply to your situation, please reach out to IECF! Our team is happy to work with you and your advisors to structure a charitable giving plan—including a donor-advised fund, cause-specific fund, legacy fund, and more—that meets your overall financial and estate planning goals while also ensuring that your wealth can help improve the quality of life in our region for years to come. 

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at the community foundation is honored to serve as a resource and sounding board as you build your charitable plans and pursue your philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

The post Rethinking legacy: Balancing gifts to heirs with the community’s future appeared first on IECF.

]]> Wake up call: OBBA changes and client conversations https://www.iegives.org/professional-advisor-hub-obba/ Tue, 05 May 2026 16:40:10 +0000 https://www.iegives.org/?p=27844 For many attorneys, CPAs, and financial advisors, the tax law changes under the One Big Beautiful Bill Act are old news. That is not the case for many of your clients! While you’ve been busy reading dozens of articles and evaluating how the changes will impact your clients, many of your clients are just now learning about the changes, especially as issues came to the forefront for them during tax season. Even if you’ve been talking with clients about the changes for months, don’t stop. For many clients, now is the first time they’ll really be listening. Here are three things to know: —Mainstream media is picking up the pace in its coverage of charitable planning techniques. For example, the Wall Street Journal recently published an article about donor-advised funds as a tool for tax savings and community impact. Many clients may not realize that IECF offers donor-advised funds, along with other options for structuring a charitable giving plan to support their favorite causes and address critical community issues. Be sure to reach out to IECF whenever a client asks you about setting up a donor-advised fund.  —Thoughtful planning is especially important in light of the new floor on itemized […]

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]]> For many attorneys, CPAs, and financial advisors, the tax law changes under the One Big Beautiful Bill Act are old news. That is not the case for many of your clients! While you’ve been busy reading dozens of articles and evaluating how the changes will impact your clients, many of your clients are just now learning about the changes, especially as issues came to the forefront for them during tax season. Even if you’ve been talking with clients about the changes for months, don’t stop. For many clients, now is the first time they’ll really be listening.

Here are three things to know:

—Mainstream media is picking up the pace in its coverage of charitable planning techniques. For example, the Wall Street Journal recently published an article about donor-advised funds as a tool for tax savings and community impact. Many clients may not realize that IECF offers donor-advised funds, along with other options for structuring a charitable giving plan to support their favorite causes and address critical community issues. Be sure to reach out to IECF whenever a client asks you about setting up a donor-advised fund. 

—Thoughtful planning is especially important in light of the new floor on itemized charitable deductions. Starting in 2026, to be eligible for a deduction, a client’s qualified deductions must exceed 0.5% of adjusted gross income, essentially raising the threshold at which charitable giving produces a tax benefit. This could make it advantageous for some of your clients to “bunch” charitable contributions through a donor-advised fund, allowing the client to front-load donations into a single tax year to cross the threshold. 

—At the same time, under a “cap” provision in the new law, if a client is in the 37% federal income tax bracket, itemized charitable deductions are now capped at the 35% tax rate. In simplified terms, depending on other factors, this means that if a client donates $10,000, the tax break would be $3,500 instead of $3,700. In short, the floor and the cap add extra complexity to helping clients plan their charitable contributions. 

—The new tax laws have changed the landscape for not only your clients who itemize deductions but also for those who do not itemize. Non-itemizers are now eligible for an “above the line” deduction of $1,000 for single filers and $2,000 for joint filers. Be aware, however, that the new deduction for non-itemizers does not apply to noncash gifts or gifts to donor-advised funds. Because both noncash gifts and gifts to donor-advised funds are important tax planning tools for many clients, this limitation is worth noting in your discussions. 

—Finally, remember that donating appreciated stock held for more than one year is usually more tax-efficient than writing a check. That’s because it allows your client to avoid capital gains tax on the appreciation. What’s more, clients who itemize deductions will be eligible to claim a tax deduction for the full fair market value. 

Please reach out to IECF anytime. We know the new tax laws add a lot to your plate, and we are always happy to point you in the right direction as you conduct research and offer counsel to your clients. And remember, you don’t have to jump headfirst into the complexity during your client discussions. Even talking about philanthropy in the simplest terms can help strengthen your client relationships and grow your practice.

Please reach out to our Charitable Giving Team anytime. Stay up to date on all the good work we’re doing through the power of philanthropy – sign up for our eNewsletter, Philanthropy Matters, today.

  • This field is for validation purposes and should be left unchanged.

The team at IECF is honored to serve as a resource and sounding board as you help your clients build their charitable plans and pursue their philanthropic objectives for making a difference in the community. This newsletter is provided for informational purposes only. It is not intended as legal, accounting, or financial planning advice. Please consult your tax or legal advisor to learn how this information might apply to your own situation.

The post Wake up call: OBBA changes and client conversations appeared first on IECF.

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