For High Earners & Professionals
How the Wealthy Use Charity to Build Wealth
If you’re earning more than $350,000 annually, you’re likely paying 32% to 44% or more in federal and state income taxes. The wealthiest Americans use sophisticated charitable giving strategies to reduce their tax burden while making a meaningful impact. With several of these strategies, you don’t just reduce the cost of giving—you actually can wipe out a huge portion of the cost of giving, creating additional benefits for the giver and family, while directing significant dollars to charity.
We’ve made these strategies accessible to busy professionals without extensive advisor coordination. You get the same tools the ultra-wealthy use, with clear guidance and without the complexity. Our clients are high earners who want to give generously but need the tax efficiency to make it work within their financial plans.
For Charities & Development Leaders
Institutional-Level Giving Tools for Your Organization
If you’re an executive director, development officer, or major gifts professional at a mid-sized charity, you know donors could benefit from sophisticated giving vehicles like charitable remainder trusts, gift annuities, or planned giving strategies—but you lack the infrastructure and expertise to administer them. Only the largest charities can afford the specialists needed to structure and manage complex gifts.
We provide professional administration and guidance for complex giving strategies. Your donors gain access to powerful giving tools, while your organization receives larger gifts and can focus on its mission.
Charitable Gift Financing
A Strategy Where Everyone Wins
Here’s a quick explanation of how Charitable Gift Financing works. The individual can:
Borrow funds to make a major charitable gift (significantly reducing taxable income)
Use 75% of the tax savings to fund life insurance as loan collateral and pay the loan origination fee
Keep the remaining 25% of tax savings as cash
Make no loan payments during their lifetime while risking no personal assets (other than the life insurance collateral) for repayment
Direct hundreds of thousands or millions to charity
An Example
A professional earning $500,000 annually could reduce their tax burden by $120,000, using $90,000 of that to purchase the collateral and fund the strategy and keeping $30,000 for their own use, while directing $300,000 to charity in the short term and with the prefunded collateral directing many hundreds of thousands to charity when the loan is repaid with the life insurance. The loan is secured by prepaid life insurance, requires no servicing (payments) during the borrower’s lifetime, and carries minimal personal risk. This is a form of asset-based borrowing done by the ultra-wealthy for decades.
How We Work
For Donors
We assess your financial situation, tax profile, and charitable goals to determine which strategies offer the greatest benefit. Our process is designed for busy professionals—clear, efficient, and focused on results.
For Charities
We partner with your development team to bring sophisticated giving infrastructure to your organization, enabling you to accept and manage complex gifts that would otherwise be out of reach.
Our Commitment
Transparent guidance, professional administration, and a genuine focus on increasing charitable impact across all income levels.