In this episode of Retirement Optimism, David Hicks explores how generosity and smart planning can go hand in hand. Writing a check is the simplest way to give—but often not the most efficient. David walks through three strategies that can help you maximize both your charitable impact and your tax benefits:

Donating appreciated investments instead of cash to avoid capital gains taxes and give more.

“Bunching” multiple years of gifts into one for a larger tax deduction while still supporting charities over time.

Giving directly from your IRA through Qualified Charitable Distributions (QCDs), which can also lower taxable income and Medicare premiums.

You’ll also hear real-world examples of how these strategies play out and why this fall—heading into year-end and with September planning meetings just around the corner—is the perfect time to talk through them.

Stay the course. Stay optimistic. And make your generosity go further.

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