Charitable Giving 101: Make the Most of Your Donations

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In this episode of Blue Chip Chats, Gina DiGirolamo, CFP®, sits down with Emily Prater, CPA, CFP®, to explore strategies for charitable and philanthropic giving. Whether you’re retired, planning your legacy, or simply looking to give back in a more tax-efficient way, this episode breaks down what to know before you write that check.

You’ll learn about:
💰 Qualified Charitable Distributions (QCDs) — what they are and who can use them
📈 Donating appreciated stock — how to avoid capital gains while giving
🏦 Donor-Advised Funds (DAFs) — and how to control your charitable timing and tax benefits

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Timestamps:
00:00 – Welcome to Blue Chip Chats
00:48 – What to consider before donating to charity
01:37 – Qualified Charitable Distributions (QCD)
02:52 – Donating appreciated stock
04:02 – Donor-Advised Funds (DAF)?
05:54 – Key takeaways before making a charitable donation