# Charitable Financial Planning

> Plain-English education on donor-advised funds, charitable remainder and lead trusts, qualified charitable distributions, appreciated-stock gifts, charitable bunching, private foundations and legacy giving — plus a connection to financial planners, CPAs and estate attorneys who specialize in charitable financial planning. Educational only — not tax, legal or investment advice.

Charitable Financial Planning is an independent directory. People describe what they are looking for; the platform matches them with independent planners. Content is educational only — not professional advice. Part of the R0cketShip network.

## Explore
- [Donor-advised funds](https://charitablefinancialplanning.com/explore/donor-advised-funds): What a DAF is, how it's taxed and how to use one well.
- [Charitable remainder & lead trusts](https://charitablefinancialplanning.com/explore/charitable-trusts): Trust structures that split income and giving — for income now or wealth transfer later.
- [Qualified charitable distributions](https://charitablefinancialplanning.com/explore/qualified-charitable-distributions): Giving directly from an IRA — and how it interacts with required minimum distributions.
- [Appreciated stock & securities gifts](https://charitablefinancialplanning.com/explore/appreciated-stock-gifts): Donating stock instead of cash — and why it can beat selling first.
- [Charitable bunching](https://charitablefinancialplanning.com/explore/charitable-bunching): Grouping years of giving into one tax year to clear the itemization threshold.
- [Private foundations](https://charitablefinancialplanning.com/explore/private-foundations): Starting and running a family foundation, and how it compares to a DAF.
- [Legacy & estate giving](https://charitablefinancialplanning.com/explore/legacy-giving): Giving through a will, trust or beneficiary designation.

## Specialties
- [Donor-advised funds](https://charitablefinancialplanning.com/modalities/donor-advised-funds): donor-advised fund setup, DAF investment options, DAF grant recommendations
- [Charitable remainder trusts](https://charitablefinancialplanning.com/modalities/charitable-remainder-trusts): charitable remainder unitrusts (CRUTs), charitable remainder annuity trusts (CRATs), income-for-life trust design
- [Charitable lead trusts](https://charitablefinancialplanning.com/modalities/charitable-lead-trusts): charitable lead trusts, wealth-transfer structures with a charitable component, grantor vs. non-grantor lead trust design
- [Qualified charitable distributions](https://charitablefinancialplanning.com/modalities/qualified-charitable-distributions): QCDs from an IRA, satisfying an RMD through giving, IRA charitable rollover coordination
- [Appreciated stock & securities gifts](https://charitablefinancialplanning.com/modalities/appreciated-stock-gifts): gifting appreciated stock, gifting concentrated stock positions, gifting closely-held or pre-liquidity business interests
- [Charitable bunching](https://charitablefinancialplanning.com/modalities/charitable-bunching): multi-year bunching strategies, pairing bunching with a donor-advised fund, itemized vs. standard deduction planning
- [Private foundations](https://charitablefinancialplanning.com/modalities/private-foundations): private foundation formation, family foundation governance, foundation payout and excise-tax compliance
- [Legacy & estate giving](https://charitablefinancialplanning.com/modalities/legacy-and-estate-giving): charitable bequests, beneficiary designations to charity, planned and deferred gifts

## Who we help
- [Retirees & pre-retirees with IRAs](https://charitablefinancialplanning.com/for/retirees-with-iras): to turn required withdrawals into tax-smart charitable giving
- [High-net-worth donors](https://charitablefinancialplanning.com/for/high-net-worth-donors): a coordinated, tax-efficient giving strategy across several charities
- [Business owners before a sale](https://charitablefinancialplanning.com/for/business-owners-selling): to reduce capital gains tax ahead of a liquidity event using charitable giving
- [Investors with appreciated stock](https://charitablefinancialplanning.com/for/investors-with-appreciated-stock): a way to give meaningfully without triggering capital gains tax
- [Families planning a legacy](https://charitablefinancialplanning.com/for/families-planning-legacy): to pass on wealth and values together, with a charitable component
- [Year-end tax planners](https://charitablefinancialplanning.com/for/year-end-tax-planners): to lower this year's tax bill before the filing deadline
- [Philanthropic families choosing a vehicle](https://charitablefinancialplanning.com/for/foundation-vs-daf): to decide between a private foundation and a donor-advised fund

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