It’s really never too early—or too late—to do retirement planning.
If you’re younger, time is your greatest asset. If you’re nearing or already in retirement, thoughtful adjustments can still improve your financial security and enjoyment.
Whatever your stage, consult qualified professionals in areas such as:
- Investments
- Taxes
- Budgeting and cash flow
- Insurance
- Estate planning
- Health and long-term care planning
Four Core Retirement Planning Steps
Charitable Strategies That Support Retirement Income
You may also consider options that provide retirement income while supporting charity_name:
- Charitable Gift Annuity – Provides fixed payments for life and an immediate income tax charitable deduction. Payments can begin now or be deferred.
- Charitable Remainder Trust – Offers flexible income for life or a term of years, plus a current charitable deduction.
- Pooled Income Fund – Provides lifetime income based on investment earnings and an immediate deduction.
- Retained Life Estate – Deed your residence to charity_nickname while retaining the right to live there.
- Qualified Charitable Distribution (QCD) – If age 70½ or older, you may transfer up to $111,000 (2026) directly from your IRA to charity_nickname without including the amount in income. If 73+, a QCD can also satisfy your required minimum distribution.
Because retirement accounts often contain income that has never been taxed, beneficiary designations deserve special attention. Assets left to charity_nickname generally pass tax-free, while amounts left to individuals may be taxable.
How Your Gift Helps
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