Wealth can be your opportunity to create lasting change. Whether you want to support a local food bank, fund cancer research, or establish a scholarship that spans generations, your generosity can extend far beyond a simple donation. At Scepanovic & Associates Private Wealth Management, we believe philanthropy should be woven into your broader financial plan, ensuring your giving aligns with your personal goals, maximizes tax benefits, and creates lasting impact.
Where strategy meets heart
Smart giving is intentional giving. It’s about ensuring your donation works as hard as you did to earn it. We help clients amplify their charitable impact by integrating giving strategies with financial planning, retirement strategies, and wealth preservation. Whether it’s structuring donations to reduce taxes, passing down philanthropic values to the next generation, or ensuring your generosity continues long after you’re gone, we make every dollar count.
Donor-Advised Funds: Streamlined giving with maximum impact
Donor-advised funds (DAFs) simplify your charitable efforts while offering immediate tax benefits. By contributing to a DAF, you gain an upfront tax deduction while spreading your donations over time. This structured approach empowers you to be strategic about when and where you give, ensuring your contributions align with your financial plan.
DAFs are ideal for those who:
- Want to donate without navigating administrative complexities
- Prefer to give strategically over multiple years
- Seek immediate tax deductions with flexibility for future donations
Donating appreciated securities: Generosity that makes financial sense
For those holding publicly traded securities with significant growth, donating them directly to charity can be one of the most tax-efficient ways to give. By contributing appreciated securities instead of selling them first, you eliminate capital gains tax while receiving a charitable tax receipt for the full market value. It’s a powerful way to maximize your impact while reducing your tax burden. At Scepanovic & Associates, we coordinate this process to ensure your donation is both smooth and impactful.
Life insurance: A legacy that endures
Charitable giving through life insurance can create a lasting impact without compromising your financial security. By naming a charity as a beneficiary on a life insurance policy, you can leave a significant legacy with relatively small premium payments. Better yet, those premium payments may qualify for tax credits, giving you an opportunity to reduce your annual tax burden while supporting causes close to your heart.
Tax-efficient giving: Keeping more in your pocket while giving more
Taxes can quietly erode wealth, but charitable giving strategies can help mitigate that impact. We guide clients through tax-efficient giving strategies such as:
- Sequencing withdrawals from investment accounts to minimize tax exposure
- Timing donations to maximize deductions in high-income years
- Leveraging charitable tax credits to reduce your overall tax bill
By combining these strategies with your overall financial plan, we help you give generously without compromising your financial well-being.
Expertise that unlocks new opportunities
With over 32 years of experience, we bring an elite level of financial knowledge to every charitable giving strategy. Clients are often surprised by the innovative solutions we uncover. This deep expertise translates into better tax savings, smarter investment strategies, and long-term financial confidence, ensuring your generosity creates maximum impact.
The importance of a strategic plan
While one-time donations are generous, they often lack the long-term impact of a structured giving plan. Strategic philanthropy ensures your contributions are targeted, meaningful, and capable of driving sustained change. With a thoughtful giving strategy, you can:
- Create a clear roadmap for donations
- Ensure your gifts align with your financial goals
- Measure the long-term impact of your contributions
- Involve your family in meaningful discussions about giving
At Scepanovic & Associates, we specialize in helping clients structure their philanthropy to ensure their generosity continues to make a difference for years to come.
We handle the details so you can focus on the impact
Coordinating charitable giving can feel overwhelming—from aligning donations with your financial plan to working with accountants and legal advisors. We take care of the heavy lifting, ensuring your giving is seamless and stress-free. You focus on the causes you care about; we’ll manage the details that make your generosity more impactful.