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Charitable Swap Option

This month’s blog is covering another topic that seems hard to understand at first, but is really quite simple when you read the details.

Our topic is Charitable Swap Option. Here is the way it works:

  • You hold a stock that you really like and you believe it will continue growing

  • You want to make a charitable gift

  • You donate part, or all, of the shares of your stock instead of donating cash

  • You use an equal amount of cash to buy more of the stock you donated

Here are the benefits of this plan:

  • You avoid capital gains taxes on the stock

  • You make the charitable gift that you planned

  • You still own your stock, but now at a higher cost basis

  • In summary, you avoid a tax and get a potential deduction while supporting your chosen charity and still own your stock

This might be a good option for you, and I’m glad we are able to share this information, but it is not right for everyone. As with all financial decisions, we strongly encourage you to consult with your financial planner to ensure any decisions are the best option for your situation.

If you ever wish to watch the corresponding vlogs for these topics, go to and click on the “News” link at the top. There is a wealth of information and each vlog is presented in an interesting format.

Thanks for taking time to read this month’s blog. I look forward to coming to you again next month with another interesting and timely topic.

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