Smart Charitable Giving: How to Give $19,000 Tax-Free Before Year-End

Are you planning to make financial gifts or charitable donations before the end of the year? Don’t miss these 2025 gifting strategies that can maximize your impact and potentially save your family thousands in taxes.

Whether you’re supporting loved ones, giving to charity, or simply trying to be tax-smart before year-end, these strategies can make a meaningful difference.

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In this video, you’ll learn:
1️⃣ 2025 Gift Limits: How annual gifts and the lifetime exemption really work.
2️⃣ QCDs: How IRA-to-charity transfers can lower taxable income.
3️⃣ Donor-Advised Funds: A flexible way to give now and support charities later.
4️⃣ Charitable Bunching: How combining gifts in 2025 can boost your deductions.
5️⃣ Year-End Mistakes to Avoid: Deadlines, forms, and common pitfalls.

These insights will help you make smarter, more tax-efficient gifting decisions before December 31st.

0:35 — 2025 annual gift limits
0:48 — Lifetime gift exemption (~$13.99M; ~$28M married)
1:04 — Over-annual gifts reduce lifetime exemption
1:22 — QCDs: IRA-to-charity, counts toward RMD
1:43 — QCD limits: $108k/person; $216k/married
1:54 — Donor-Advised Funds: deduct now, grant later
2:13 — Bunching deductions in 2025
2:24 — Combine bunching + DAFs
2:32 — Pitfalls: deadlines, QCD paperwork, Form 709, eligibility
2:55 — QCDs exclude DAFs/private foundations

🔎 This video is for anyone looking to:
✅Reduce their 2025 tax bill
✅Support family or charitable causes
✅Make strategic year-end financial moves
✅ Improve their retirement and estate planning
✅ Avoid the most common (and costly) gifting mistakes

#retirementplanning #financialadvisor #taxplanning #retirementtips #taxstrategies

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Wealth Advisors. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.