The Donor-Advised Fund Strategy for Tax Savvy Giving in 2026

Lucas and Luna break down the donor-advised fund (DAF) strategy for high-income earners looking to maximize charitable deductions in 2026. They walk through how a DAF works, the tax mechanics of bunching contributions, and the new SECURE 2.0 QCD-to-DAF rule that just took effect. Lucas uses a concrete example: a couple earning $450,000 who want to give $20,000 annually to charity but can't itemize every year. By bunching five years of giving into one DAF contribution, they can deduct $100,000 in one year, clearing the standard deduction hurdle and saving over $15,000 in taxes. The hosts also compare DAFs to private foundations and discuss the fees and flexibility trade-offs. A practical guide for listeners who want to give smart. #DonorAdvisedFund #CharitableGiving #TaxDeduction #BunchingStrategy #SECURE20 #QCD #Itemizing #StandardDeduction #HighIncome #TaxPlanning #WealthManagement #Philanthropy #FidelityCharitable #SchwabCharitable #VanguardCharitable #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo