Make a Meaningful Impact Before Year-End: Maximize Your Charitable Giving While Minimizing Your Tax Burden
As we approach the end of the year, now is the time to consider powerful charitable giving strategies that not only support the causes you care about—but also help reduce your income, capital gains, and potential estate tax exposure.
Our team at DJCF/SWCF is ready to work with you and your advisors to explore the best strategies for your unique situation. While we do not provide tax advice, we can help you navigate the charitable giving process with confidence and care. Let’s make your charitable giving go further this year!
We offer two powerful individual giving tools:
- Donor-Advised Funds: Think of it as your charitable checking account — flexible, tax-smart, and easy to use. You contribute, receive an immediate deduction, and recommend grants to causes you care about — from synagogues and summer camps to food pantries and museums.
- Endowments: These permanent funds invest for the future, providing steady, long-term support to the organizations you love. You can also create scholarships that help students pursue their academic and professional dreams.
Smart Giving Strategies to Consider:
- Gift Appreciated Assets: Donate assets held over a year for a full-value deduction and no capital gains tax.
- Donate to a Donor-Advised Fund (DAF): Plan your giving over time. Contribute appreciated assets like stock, real estate, or business interests to a DAF and enjoy immediate tax benefits.
- “Bunch” Charitable Gifts: Combine multiple years of donations to exceed the $31,500 itemization threshold (for couples) and maximize deductions.
- Qualified Charitable Distributions (QCDs): If you’re 70½+, donate up to $108,000 tax-free from your IRA—it counts toward Required Minimum Distribution (RMDs) too. While QCDs can be used to contribute to endowment or scholarship funds, DAFs are not eligible to receive donations from a QCD.
Important DJCF/SWCF Year-End Deadlines:
- December 15 at 5 PM: Deadline to recommend grants from Donor-Advised Funds (DAFs) to ensure they are sent by year-end.
- December 31 at 12 PM: Deadline to make in-person contributions to funds.
- December 31: Last day to receive gifts of stock in our account.
We recommend contacting your broker by early December to initiate any stock transfers.
There are two ways to donate stock:
- Through Donate Stock: DJCF/SWCF’s Donate Stock page enables you to contribute stock from your brokerage directly to your DAF through a secure portal, making the gifting process fast, safe, and easy.
• https://donatestock.com/dallas-jewish-community-foundation
- By Manual Transfer (two steps): Instruct your broker to transfer stock to the Dallas Jewish Community Foundation’s brokerage account.
- Firm: Morgan Stanley
- DTC #: 0015
- Account #: 048-024268
- Ask your broker to notify one or both of the following DJCF team members of the expected transfer:
- Jerry Blair – [email protected] or (972) 645-1018
- Servando Sanchez – [email protected] or (972) 645-1043
- Include your name, the stock name, the number of shares, and the expected date of transfer.
Other ways to donate:
- Credit card donations can be made at www.djcf.org or www.southwestcf.org. These are deductible in the year the charge is made, not paid.
- Mailed donations must be postmarked on December 31 or earlier to be recorded for 2025, regardless of the check’s date.
- Make checks payable to “Dallas Jewish Community Foundation” or “Southwest Community Foundation,” and include the fund name in the memo line.
DJCF/SWCF’s EIN is 75-2836123.
