If you itemize deductions on your income tax return, you may have heard that things are changing in 2026 — both a floor and a cap on itemized charitable deductions are scheduled to take effect on January 1. That means 2025 presents a unique window of opportunity to make the most of your charitable giving.

Many donors are choosing to “front-load” or “bunch” several years of charitable contributions into 2025 — before the tax landscape shifts. By making a larger gift this year, you can maximize your deduction under today’s rules while continuing to support your favorite charities in the years to come.

One simple way to do this is through a donor-advised fund (DAF). A DAF allows you to make a tax-deductible contribution — using cash, appreciated stock, or other assets — then recommend grant

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