Charitable Giving Strategies
Turning Your Wealth Into Lasting Impact
Incorporating Charity Into Your Plan
Giving That Reflects Your Values
True wealth isn’t measured only by what you keep, but by what you give. Cremé Wealth helps clients incorporate charitable giving in Plano as part of a holistic estate and financial plan—supporting local churches, ministries, and nonprofit organizations that align with their values.
Whether you prefer ongoing giving from investment income or leaving a legacy gift through your estate, we design charitable strategies that align with your goals, family needs, and faith commitments. Every plan is built to maximize generosity while maintaining long-term financial security.
Donor-Advised Funds & Foundations
Donor-advised funds (DAFs) are one of the most effective tools for charitable planning. They allow you to make tax-deductible contributions now, then distribute grants to your chosen charities over time. Cremé Wealth helps clients open and manage DAF accounts, ensuring each gift is purposeful and efficient.
For larger estates, private family foundations or charitable trust planning may be more appropriate. These options can provide greater control over giving priorities, involve family members in stewardship decisions, and create a philanthropic legacy that lasts for generations.
Charitable Trusts
Some clients wish to give while still providing for family or maintaining income during retirement. Cremé Wealth coordinates with estate attorneys to design Charitable Remainder Trusts and Charitable Lead Trusts that balance both objectives.
These structures can generate income for you or your heirs while ultimately benefiting the causes you care about. We help ensure the financial and legal details work together seamlessly—turning generosity into a lasting part of your estate plan.
Values-Based Investing
Aligning Investments With Faith and Purpose
For clients who want to go beyond giving, Cremé Wealth also offers values-based and faith-based charitable giving approaches. Through Biblically Responsible Investing (BRI), you can structure your portfolio to support companies and industries that align with your beliefs while avoiding those that don’t.
We help you balance returns with principles, ensuring that every dollar—whether invested or donated—reflects your values and long-term vision.
Tax Benefits of Giving
Giving Back Can Also Give You Tax Relief
Thoughtful charitable planning can reduce both income and estate taxes. Our advisors help you explore strategies such as donating appreciated stock to avoid capital gains, bunching deductions for greater impact, or making Qualified Charitable Distributions (QCDs) from IRAs after age 70½.
Each method can be integrated into your broader tax and retirement strategy, ensuring that your generosity benefits both your chosen causes and your financial future.
Questions About Giving With Purpose
What is a donor-advised fund?
A donor-advised fund (DAF) is an account that allows you to donate assets, receive an immediate tax deduction, and recommend grants to charities over time.
Can I donate IRA distributions directly to charity?
Yes. Individuals age 70½ and older can make Qualified Charitable Distributions (QCDs) up to $100,000 annually, satisfying required minimum distributions while reducing taxable income.
How can I include my church in my estate plan?
We work with estate attorneys to include bequests or charitable trusts that benefit your faith community as part of your long-term plan.
Do I need to be wealthy to create a charitable trust?
Not necessarily. While trusts are best suited for larger estates, we help clients of all means incorporate charitable giving through simpler and equally meaningful strategies.
Leave a Lasting Impact
Build a Legacy That Reflects Your Heart
Your generosity can shape lives, communities, and causes long after you’re gone. Cremé Wealth helps you align charitable giving with your personal values, financial goals, and faith. Together, we’ll create a giving plan that turns your success into meaningful impact for years to come.