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 Content preview:  Hi! I am constantly looking for ways to help save our clients
    tax. Today we will review gifting strategies. Whether you’re gifting to
    loved ones or donating to charities, the right strategy can help you reduce
    taxable income, lower estate taxes, and optimize deductions. Below are some
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Hi!

I am constantly looking for ways to help save our clients tax.
Today we will review gifting strategies.

Whether you=E2=80=99re gifting to loved ones or donating to charities,
the right strategy can help you reduce taxable income, lower
estate taxes, and optimize deductions. Below are some key
tax-efficient giving strategies:

Annual Gifting: Lower Estate Taxes While Transferring Wealth
------------------------------------------------------------

* You can give up to $19,000 per recipient (2025) without
triggering gift tax filing requirements. This goes up to $38,000
for married couples.
* Consider tax-smart gifting methods, such as Roth IRA
contributions for family members, 529 Plan funding for education,
and direct payments for tuition or medical expenses (which do not
count against your annual $19k exclusion).
* For larger amounts, there are estate/trust strategies available
to reduce or eliminate estate taxes

Donating Appreciated Securities: Maximize Deductions, Avoid
Capital Gains
-----------------------------------------------------------------

* Instead of donating cash, contribute stocks, ETFs, or mutual
funds with long-term gains.
* You receive a charitable deduction for the full fair market
value, and avoid paying capital gains tax on appreciation.

Donor-Advised Funds (DAFs): Immediate Tax Deduction, Future
Giving Flexibility
-----------------------------------------------------------------

* Contribute to a DAF to receive an immediate charitable tax
deduction, even if funds are distributed later.
* They can be used to take the deduction now but distribute the
funds to charity in future years. This ensures that you meet the
standard deduction limit for the year.

Charitable Trusts: Strategic Planning for Taxes & Legacy Goals
--------------------------------------------------------------

* Charitable Remainder Trusts (CRTs): Convert highly appreciated
assets into an income stream while deferring capital gains tax
and receiving an upfront charitable deduction.
* Charitable Lead Trusts (CLTs): Transfer wealth to beneficiaries
at a reduced gift/estate tax cost while supporting charities in
the interim.

Qualified Charitable Distributions (QCDs): Tax-Free IRA Donations
for Those 70=C2=BD+
-----------------------------------------------------------------

* Individuals over 70=C2=BD can donate up to $108,000 (2024) directly
from an IRA to a qualified charity.
* QCDs count toward Required Minimum Distributions (RMDs) but are
excluded from taxable income, reducing adjusted gross income
(AGI) and potentially lowering Medicare premiums.

Optimize Your Tax Strategy
--------------------------

In our industry, we call this time of year =E2=80=9Cplanning season=E2=80=
=9D
since we still have sufficient time to discuss long-term planning
and implement it in detail before year end.

If you have questions or are ready for structure &
implementation, reach out this week.

--

George Dimov CPA

info@dimovtax.com

(833) 829-1120 toll free

Share on social media
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  <!-- Content Placeholder -->
  <table cellpadding=3D"0" cellspacing=3D"0" style=3D"width:100%;margin:0 a=
uto"><tbody><tr><td>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">Hi!</p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">I am constantly looking for ways to help save our clients tax. Today we w=
ill review gifting strategies.</p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">Whether you=E2=80=99re gifting to loved ones or donating to charities, th=
e right strategy can help you <strong>reduce taxable income, lower estate t=
axes, and optimize deductions</strong>. Below are some key tax-efficient gi=
ving strategies:</p>
<h4 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Annu=
al Gifting: Lower Estate Taxes While Transferring Wealth</strong></h4>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;line-height:1.5em=
;font-size:16px">
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>You can give up to <strong>$19,000 per recipient (2025)</=
strong> without triggering gift tax filing requirements. This goes up to $3=
8,000 for married couples. </span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>Consider tax-smart gifting methods, such as <strong>Roth =
IRA contributions for family members, 529 Plan funding for education, and d=
irect payments for tuition or medical expenses</strong> (which do not count=
 against your annual $19k exclusion).</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>For larger amounts, there are estate/trust strategies ava=
ilable to reduce or eliminate estate taxes </span></li>
</ul>
<h4 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Dona=
ting Appreciated Securities: Maximize Deductions, Avoid Capital Gains</stro=
ng></h4>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;line-height:1.5em=
;font-size:16px">
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span><strong>Instead of donating cash, contribute stocks, ETFs=
, or mutual funds</strong> with long-term gains.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>You receive a <strong>charitable deduction for the full f=
air market value</strong>, and <strong>avoid paying capital gains tax</stro=
ng> on appreciation.</span></li>
</ul>
<h4 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Dono=
r-Advised Funds (DAFs): Immediate Tax Deduction, Future Giving Flexibility<=
/strong></h4>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;line-height:1.5em=
;font-size:16px">
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>Contribute to a <strong>DAF</strong> to receive an <stron=
g>immediate charitable tax deduction</strong>, even if funds are distribute=
d later.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>They can be used to take the deduction now but distribute=
 the funds to charity in future years. This ensures that you meet the stand=
ard deduction limit for the year.</span></li>
</ul>
<h4 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Char=
itable Trusts: Strategic Planning for Taxes &amp; Legacy Goals</strong></h4=
>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;line-height:1.5em=
;font-size:16px">
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span><strong>Charitable Remainder Trusts (CRTs):</strong> Conv=
ert highly appreciated assets into an <strong>income stream</strong> while =
deferring capital gains tax and receiving an upfront charitable deduction.<=
/span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span><strong>Charitable Lead Trusts (CLTs):</strong> Transfer =
wealth to beneficiaries at a reduced gift/estate tax cost while supporting =
charities in the interim.</span></li>
</ul>
<h4 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Qual=
ified Charitable Distributions (QCDs): Tax-Free IRA Donations for Those 70=
=C2=BD+</strong></h4>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;line-height:1.5em=
;font-size:16px">
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>Individuals over <strong>70=C2=BD</strong> can donate up =
to <strong>$108,000 (2024)</strong> directly from an IRA to a qualified cha=
rity.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em;line-height:1.5em;font=
-size:16px"><span>QCDs <strong>count toward Required Minimum Distributions =
(RMDs)</strong> but are <strong>excluded from taxable income</strong>, redu=
cing adjusted gross income (AGI) and potentially lowering Medicare premiums=
.</span></li>
</ul>
<h3 class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em"><strong>Opti=
mize Your Tax Strategy </strong></h3>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">In our industry, we call this time of year =E2=80=9C<strong>planning seas=
on</strong>=E2=80=9D since we still have sufficient time to discuss long-te=
rm planning and implement it in detail before year end. </p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">If you have questions or are ready for structure &amp; implementation, re=
ach out <strong>this week</strong>. </p>
<div>
<img src=3D"https://yf6qhc3hhc.execute-api.us-east-1.amazonaws.com/api/conv=
ert?UserIdInConvertKit=3D2925451661&amp;Subject=3DStrategies%20to%20Reduce%=
20Tax%20Liability%20While%20Maximizing%20Impact" style=3D"display: none" wi=
dth=3D"1" height=3D"1" alt=3D"lorem">
</div>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">-- </p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">George Dimov CPA</p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">info@dimovtax.com</p>
<p class=3D"" style=3D"margin-bottom:1.2em;line-height:1.5em;font-size:16px=
">(833) 829-1120 toll free</p>
</td></tr></tbody></table>

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