Listening for Charitable Opportunities

Helping your clients achieve their charitable goals

Many clients want their professional advisors to help them plan charitable giving. Four County Community Foundation can work with you to answer these questions and help each client fulfill his/her charitable goals.

  • What are your client’s personal motivations for charitable giving?
  • What are your client’s charitable interests in the community?
  • What are your client’s priorities when focusing on a few areas may make the greatest impact?
  • What level of involvement does your client want to have in identifying charitable uses for his/her gift?
  • What type of giving instrument best fits your client’s financial situation and tax status?

Philanthropy is a very personal decision. A professional advisor can help clients realize their charitable objectives by listening for charitable giving opportunities, explaining options, and suggesting solutions. Significant giving opportunities often arise when clients are making major business, personal, and financial decisions. Our staff can work with you and your client to recommend the best charitable solution. Following are some typical scenarios:

Year-end tax planning

Your client just earned a large bonus and wants to give a portion back to the community, but has no time to decide on the most deserving charities.  Recommend establishing a Donor Advised Fund through Four County Community Foundation for an immediate tax deduction and the ability to stay involved in recommending uses for the gift for years to come.

Preserving an estate

Estate planning identifies significant taxes going to the IRS, but your client wants to direct dollars for local benefit. Four County Community Foundation can work with you and your client to reduce his/her taxable estate through a charitable bequest or other planned gift.  Your client’s gift will create a legacy of caring in the community that stays true to his/her charitable intent forever.

Establishing a private foundation

Your client is thinking about establishing a private foundation, but is looking for a simpler, more cost-efficient alternative.  Four County Community Foundation can help you and your client analyze the pros and cons of creating a Donor Advised Fund, a supporting organization, or a private foundation.

Sale or disposition of highly appreciated stock

Your client has appreciated stock and wants to use a portion of the gains for charitable giving, but the identified charities are too small to accept direct stock gifts.  Suggest establishing a fund at with Four County Community Foundation with a gift of appreciated stock.  Your client receives a tax deduction on the full market value, while avoiding the capital gains tax that would otherwise arise from sale of the stock.  Your client can even be involved in recommending uses for the gift, including the organizations and programs he/she cares about most.

Sale of a business

Your client owns highly appreciated stock in a company that is about to be acquired.  Four County Community Foundation can work with you to suggest several ways to structure a charitable gift (including the use of planned giving techniques) to help your client reduce capital gains tax and maximize impact to the community.

Strategic giving

Your client is passionate about helping meet a specific community need and wants to make a meaningful gift.  You and your client can work with our grantmaking experts to understand community needs and programs and then direct gift dollars to make the greatest impact.

Substantial IRA/401(k) assets

Your client wants to leave his/her estate to community and family, and has substantial assets in retirement accounts.  Four County Community Foundation can help you and your client evaluate the most beneficial asset distribution to minimize taxes, giving more to his/her heirs and preserving charitable intent.