What We Help With
We help you give more effectively so your charitable dollars go further, your tax bill is reduced, and your family gains meaningful experience around money and values. Through strategic planning, your giving can often deliver significantly more to the charities you care about without requiring you to donate additional funds. By using tax-smart approaches, you can eliminate capital gains on certain donations, increase deductions, and potentially reduce estate taxes. At the same time, we create opportunities for your children to actively participate in giving decisions, allowing them to learn about wealth, generosity, and responsibility through real involvement rather than just conversation.
How Much Difference Does This Really Make?
If someone plans to give $50,000 a year to charity for ten years, the straightforward approach would be to simply write a check each year, donating $500,000 total while paying significant taxes along the way. A more strategic method, however, could involve contributing several years’ worth of donations at once during high-income years using appreciated stock, which can reduce capital gains taxes and allow the funds to grow tax-free before being distributed. This approach can increase the total charitable impact over time, generate substantial tax savings, and even create opportunities for family involvement in deciding which causes to support.
When Does This Make Sense?
This approach may not be worth the effort if you give less than $10,000 annually, don’t own investments that have significantly appreciated, or simply prefer to keep your giving straightforward. However, it’s usually worth exploring if you donate $25,000 or more each year, hold appreciated stocks, mutual funds, or company shares, are taking required retirement withdrawals you don’t need, are planning to sell a business or large stock position, or want to involve your family in charitable decisions. In these situations, the shift from casual giving to strategic planning can often result in $100,000 or more going to charity over a decade—while also lowering taxes and creating more meaningful family engagement.
Our Services
Wealth Management
Grow your wealth with Rebalance’s low-fee, tax-efficient, globally diversified portfolios for both taxable and non-taxable assets. Our portfolios combine U.S. and international equities, real estate, and fixed income, all systematically rebalanced and tax-loss harvested to maximize after-tax returns.
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Financial Planning
Plan for all the chapters of your life, and know that we will be with you every step of the way.
True financial planning goes beyond numbers. At Rebalance, we take the time to deeply understand your goals, build a holistic, comprehensive strategy around them, and deliver ongoing guidance at every stage.
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Specialized Services
Rebalance clients receive comprehensive, long-term tactical guidance, supported by a strategy that adapts as life evolves. These services include Charitable Planning, Estate Planning, Reducing Concentrated Risk, and Tax Management.
More about Specialized Services Frequently Asked Questions
How can charitable planning become part of my overall financial strategy?
Charitable planning at Rebalance is fully integrated into your broader financial plan. We help align your giving with your long term goals, tax situation, and legacy intentions so generosity is both meaningful and financially efficient. The result is a strategy that supports the causes you care about while preserving your long term financial security.
What is a Donor Advised Fund and how might it benefit me?
A Donor Advised Fund is a flexible and tax efficient way to manage charitable giving. It allows you to make contributions, receive an immediate tax deduction, invest the assets for potential growth, and distribute gifts to charities over time. Many clients appreciate the simplicity, organization, and long term planning benefits a Donor Advised Fund can provide.
Can charitable giving help reduce my tax burden?
Thoughtfully structured charitable strategies can play an important role in tax planning. Depending on your situation, approaches such as contributing appreciated securities, using qualified charitable distributions from retirement accounts, or timing gifts strategically may help reduce taxes while increasing the impact of your giving. We help evaluate which strategies may be appropriate based on your goals and financial picture.
How do you help balance giving with family and legacy goals?
Charitable planning often works alongside estate and legacy planning. We help clients evaluate how to support both family and philanthropic priorities by structuring assets thoughtfully, considering tax implications, and ensuring your intentions are clearly reflected in your broader financial and estate strategy.
When is the right time to begin charitable planning?
Charitable planning can begin at any stage, whether you are actively giving today, preparing for retirement, or thinking about the long term legacy you want to leave. Starting early allows more flexibility, better tax coordination, and the opportunity to build a structured, intentional approach to giving over time.
