Planning a Significant Charitable Donation? Here's Where the Money Should Come From"

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® · Oct 1, 2026 · 18m

If you're already planning to give money to charity, does it matter which account the money comes from?

Absolutely.

Retirees may have several ways to fund their charitable giving: cash, appreciated investments, or distributions directly from an IRA. While the charity may receive the same amount either way, the tax consequences can be very different.

And new tax rules beginning in 2026 add another layer to the decision.

In this episode, Tyler Emrick, CFA®, CFP®, explains how retirees can think more strategically about charitable giving and decide which assets may be most advantageous to give…