Charitable giving can be a meaningful way to use your wealth.
We help clients think through how much they want to give, when they want to give and how those decisions fit with retirement, taxes, estate planning and family priorities.
For families across Toronto and the GTA, that can mean finding a thoughtful way to support the causes they care about while keeping the rest of their financial plan in mind.
Giving that fits your retirement plan
Many clients want to give, but they also want to know what they can afford.
A charitable giving plan can help answer questions such as:
- Can I give more during my lifetime?
- Should I give now or through my estate?
- How will giving affect my retirement income?
- Can I support family and charity?
- How do I give in a tax-efficient way?
Good planning helps generosity feel thoughtful instead of uncertain.
Charitable giving and tax planning
Charitable giving tax decisions can affect retirement income, estate value and overall tax efficiency.
We help clients think through the timing, structure and purpose of giving. That may include donating cash, appreciated securities, insurance proceeds or other assets. The right strategy can help reduce tax while increasing the impact of the gift.
Charitable giving estate planning
Charitable giving estate planning allows clients to make generosity part of their legacy.
Some clients want to support a favourite charity after death. Others want to create a lasting family tradition of giving. These decisions should be coordinated with wills, beneficiary designations, insurance planning, estate tax planning and wealth transfer.
Donor advised funds and structured giving
Donor advised funds can help simplify charitable giving and create a more organized approach.
They may allow clients to make a gift, receive a tax receipt and recommend grants to charities over time. For some families, this structure can make giving easier to manage and easier to discuss across generations.
Family values and philanthropy
Charitable giving financial planning can also bring families together.
Some clients involve children or grandchildren in giving decisions to help pass on values, not just assets. Philanthropy advisors can help families think through causes, priorities, timing and long-term impact.
A strategic charitable giving foundation or structured giving approach may also support families who want a more formal plan.