How a Charitable Remainder Trust Can Cut Your Tax Bill

Lucas and Luna explore the Charitable Remainder Unitrust (CRUT), a powerful tax strategy for retirees with highly appreciated assets. They walk through a concrete example: a retired couple with $500,000 in Apple stock (cost basis just $80,000) who donate it to a CRUT, receive a 6% annual income stream for life, and get a $140,000 charitable tax deduction—all while avoiding capital gains tax. The episode explains how the trust works, the required 10% charity minimum, and why this isn't for everyone (high fees, complexity, and irrevocable commitment). Includes a comparison to donating appreciated stock directly vs. selling and reinvesting. Perfect for listeners considering advanced philanthropic planning. New angle for Episode 119—not covered in prior episodes on QLACs, HSAs, or Roth conversions. #CharitableRemainderTrust #CRUT #TaxPlanning #Retirement #AppreciatedAssets #CapitalGains #CharitableGiving #EstatePlanning #Finance #WealthManagement #Philanthropy #TaxDeduction #Retirees #FexingoBusiness #BusinessPodcast #AdvancedPlanning #RetirementStrategy #TaxEfficiency Keep every episode free: buymeacoffee.com/fexingo