Year-End Charitable Giving Strategy 2026

30% of annual giving happens in December. Checklist: Review itemization threshold, maximize employer matching, donate appreciated stock, use FSA/HSA, QCD for 70.5+, bunch donations (alternate years), document all, donate by Dec 31. Tax strategies: Stock donation avoids capital gains, bunching exceeds standard deduction, QCD excludes from income. Consult tax advisor.