Charitable Giving Strategies (2025)

Strategies like bunching itemized donations into alternating years, using donor-advised funds, or giving appreciated securities can increase tax efficiency. For many HOH filers, bunching may help exceed the standard deduction in a given year.

Common approaches

• Bunch donations into a single tax year to itemize that year.
• Donate appreciated stock directly to avoid capital gains tax.
• Use donor-advised funds to time grants without losing an immediate deduction.

Confirm 2025 limits and substantiation rules before large gifts.