Charitable giving is a declaration: Of what matters, of what lasts, of what money can build when it’s unleashed with intention.
When done properly, charitable giving doesn’t deplete wealth—it enhances it. At Dumitru Flanagan & Associates, we take your passion for giving and transform it into a strategic force, ensuring your generosity works for both your beneficiaries and your long-term financial success.
Giving that goes beyond good intentions
Your generosity can be structured, intentional, and tax-savvy. Giving without a plan? That’s charity with a short shelf life. As your Victoria financial advisor and financial planner, we help you build a framework that allows you to contribute meaningfully while preserving wealth, reducing tax burdens, and fostering family unity.
- Donor-advised funds: The flexible, low-maintenance way to give. Contribute now, distribute funds later—while reaping immediate tax benefits.
- Gifting appreciated securities: Donating stock instead of cash means avoiding capital gains tax while maximizing charitable deductions.
- Estate-integrated giving: Leaving a legacy that extends far beyond your lifetime through trusts, endowments, or direct bequests.
Maximizing your giving power
Charitable giving and tax efficiency go hand in hand. Without strategy, taxes can erode your generosity, limiting the impact you hoped to make. With careful planning, however, your giving can become a powerful financial tool.
- Tax-efficient timing: Sequencing your gifts to optimize tax credits and deductions, ensuring you give in the most financially beneficial way.
- Charity as a beneficiary: Naming a charitable organization in your estate plan can reduce tax liabilities while ensuring your values live on.
- Life insurance for philanthropy: Designating a charity as a policy beneficiary means a larger impact with minimal cost to you.
More than giving—creating family legacy
Wealth is about money but it’s also about influence, values, and shaping the future. For this reason, philanthropy is a shared mission. We work with families to integrate charitable giving into financial planning, ensuring younger generations understand the impact of generosity while learning to steward wealth responsibly.
- Multi-generational involvement: Involving heirs in philanthropy instills financial responsibility and unites families around shared values.
- Structured giving strategies: Creating long-term donation plans that align with both financial stability and social impact.
- Balancing impact & security: Making sure your giving aligns with personal financial goals, protecting wealth while fostering meaningful change.
From vision to strategy—we handle the details
Intentions are powerful, but execution is everything. We streamline the charitable giving process, coordinating with accountants, tax professionals, and legal advisors to ensure every dollar of your giving is optimized. You focus on the causes you care about—we handle the logistics.