Give More. Keep More.
Leave More Behind.
Most donors choose between generosity and financial security. The right strategy eliminates that tradeoff — turning charitable intent into tax-free retirement income, larger gifts, and a permanent legacy.
Generous People Are Giving in the Most Expensive Way Possible.
A check to the annual fund is the most common gift — and the least efficient. Donors who write checks from after-tax income miss capital gains strategies, income tax deductions they could multiply, and tools that turn a one-time gift into a lifetime income stream.
Meanwhile, planned giving officers know these tools exist but rarely have a partner who can structure the insurance side. The result: billions in charitable intent that never converts to actual gifts.
The Write-a-Check Default
Donors give cash from checking accounts, missing the chance to donate appreciated assets and eliminate capital gains entirely.
The Planned Giving Gap
Fundraisers cultivate donor relationships for years but lack a partner who can design and fund the insurance-based strategies that make large gifts possible.
The Income vs. Generosity Tradeoff
Donors in or near retirement fear that large gifts will reduce the income they need to live on. They give less than they want to — or nothing at all.
The Estate Planning Disconnect
Charitable intent lives in the donor’s heart but not in their estate documents. Without a funded plan, the gift dies with the donor.
Six Charitable Giving Strategies That
Reward the Donor and the Cause.
Each strategy is built around life insurance, annuities, or both — creating tax advantages, lifetime income, and a legacy that outlasts the donor.
CRT + IUL Strategy
Sell a highly appreciated asset into a Charitable Remainder Trust, eliminate capital gains, receive lifetime income, and use the tax savings to fund an Indexed Universal Life policy that replaces the donated asset for your heirs — tax-free.
Charitable Gift Annuities
Make an irrevocable gift to a charity and receive guaranteed fixed payments for life. Part of each payment is tax-free. The charity receives the remainder — and you receive an immediate income tax deduction.
Planned Giving Programs
We partner with fundraising professionals to build or strengthen their organization’s planned giving program — from bequest language and gift acceptance policies to donor cultivation tools and marketing materials.
Qualified Charitable Distributions
Donors over 70½ can direct up to $105,000 per year from their IRA directly to charity. It satisfies the Required Minimum Distribution, reduces taxable income, and the charity gets the full amount — no tax withheld.
Charitable Lead Trusts
The reverse of a CRT: the trust pays income to charity for a set term, then passes the remaining assets to heirs at a reduced gift or estate tax cost. Ideal for families who want to give now and transfer wealth later.
Donor-Advised Funds + Insurance
Contribute appreciated assets to a DAF for an immediate deduction, then recommend grants over time. Pair with a life insurance policy to replace the gifted assets in your estate — tax-free to your heirs.
The CRT-IUL Strategy in Action.
A real-world scenario showing how a donor can give more, keep more, and leave more behind — all from a single asset.
Donor Profile: Retired Executive, Age 65, With $1M in Appreciated Stock
Without the Strategy
Sells stock, pays ~$200K in capital gains tax, donates $100K to charity, invests the rest in a taxable account.
Net investable assets after taxes and gift.
With the CRT-IUL Strategy
Transfers stock to CRT, pays zero capital gains, receives ~$55K/yr lifetime income, funds IUL with tax savings.
Tax-advantaged income for life, plus charity receives full $1M remainder.
The Net Result
Capital gains eliminated. Lifetime income created. Charity receives a larger gift. Heirs receive a tax-free death benefit that replaces the donated asset.
Donor, charity, heirs, and the IRS gets less.
From Charitable Intent
to Funded Plan.
Most giving strategies are designed, documented, and funded within 60–90 days.
Discovery
We review your charitable goals, asset types, income needs, and tax situation to find the highest-impact strategy.
Design
We model 2–3 giving strategies side by side — comparing tax benefit, income stream, gift size, and wealth replacement.
Coordination
We work with your CPA, attorney, and financial advisor to finalize trust documents, beneficiary designations, and compliance.
Funding
Policy placement, trust funding, and first-year review — plus ongoing monitoring of distributions and performance.
Built for Generous People and
the Professionals Who Guide Them.
Whether you’re the donor, the fundraiser, or the financial advisor — this is designed for your situation.
High-Net-Worth Donors & Philanthropic Families
You want to give meaningfully without sacrificing your retirement income or your family’s inheritance. These strategies make that possible.
CFRE Fundraising Professionals
You cultivate the donor relationships. We design and fund the insurance architecture that turns pledges into permanent gifts. Partner, not competitor.
CFP® Financial Planners & Estate Attorneys
Your clients have charitable intent baked into their plans. We bring the insurance-based funding strategies that make those plans executable.
Nonprofit Development Directors
Your organization needs a planned giving program that converts intent into funded gifts. We help you build one — or strengthen the one you have.
Find Out How Much More
You Could Give — and Keep.
A 30-minute conversation is enough to identify whether your current giving approach is leaving tax benefits, income, or legacy on the table.