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How Early Retirees Use a Donor-Advised Fund for Tax Efficiency
In episode 116 of The Financial Freedom Podcast, Lucas and Luna explore how early retirees can use a donor-advised fund (DAF) to supercharge tax efficiency while supporting causes they care about. They break down a specific strategy: bunching charitable contributions into a single year to itemize deductions, then distributing grants over time from the DAF. Lucas walks through a concrete example—someone retiring at 45 with a $2 million portfolio—showing how bunching every three years saves $4,500 annually in taxes versus standard deduction years. They also discuss donating appreciated stock…
The skinny
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