Editor’s note: Jonathan Clements (1963–2025), HumbleDollar’s founder and a former Wall Street Journal personal-finance columnist, died on Sept. 21, 2025. This piece honors his plain-English approach to money and giving.
Jonathan Clements taught us that money is a means to a life that’s human, hopeful, and helpful. One of the best ways to live it out is to give with intention and make an impact. In that spirit—and in this season of thanks—here are 10 ways to support the charitable causes you love without writing a check.
1) Appreciated investments
Donate long-term stock, ETFs, or mutual funds. The charity receives the full market value, and you typically avoid capital gains tax (deduction available if you itemize). Ask your custodian for DTC (Depository Trust Company) instructions and the nonprofit’s account name now—mid-December cutoffs are common.
2) Qualified Charitable Distributions (QCDs) from an IRA (age 70½+)
Have your IRA custodian send funds directly to a qualified public charity so the gift bypasses your taxable income and can satisfy RMDs. For 2025, the QCD limit is $108,000 per person. Each spouse with their own IRA can make up to that amount. QCDs cannot be transferred to donor-advised funds or private foundations. Complete the DTC/transfer by Dec. 31 and keep the acknowledgment.
3) Fund a donor-advised fund (DAF) with appreciated assets
“Bunch” several years of giving into one contribution (often with appreciated shares), then recommend grants over time. Handy in a high-income year (sale, bonus, Roth conversion) when you want the deduction now and grants later. (Reminder: QCDs can’t go to DAFs—see #2.)
4) Beneficiary designations on accounts
Name a nonprofit as a beneficiary of IRAs, brokerage, or bank accounts—often a one-page form. Use a percentage, not a dollar amount, so the gift scales with your estate. Verify the charity’s legal name and Employer Identification Number (EIN) so your custodian titles it correctly.
5) Bequests in a will or trust
Leave a percentage, a dollar amount, or the remainder to charity. Easy to add, easy to change later—quiet generosity that speaks loudly.
6) Life insurance gifts
Name a charity as policy beneficiary—or, if it fits your plan, transfer ownership of a paid-up policy. Some donors also gift annual premiums to keep a policy in force.
7) Real estate gifts
A home, condo, or parcel of land can be donated outright or via specialized partners, potentially avoiding capital gains while making a transformational gift. Coordinate early—these take time.
8) Charitable gift annuity (CGA)
Receive fixed payments for life and a partial deduction now; the charity receives the remainder later. Under SECURE 2.0, there’s also a one-time IRA transfer to a CGA/CRT using your QCD election—about $54,000 in 2025 (indexed).
9) Charitable remainder or lead trusts (CRT/CLT)
Split-interest trusts can balance income needs, taxes, and legacy goals. They require professional help, but can be elegant solutions for larger gifts or complex assets.
10) In-kind noncash property.
Vehicles, equipment, and other tangible items (for which appraisal may be required) can meet a nonprofit’s needs and yield a tax deduction. Keep good records; Form 8283 and a qualified appraisal are needed at certain thresholds.
2025 tax-wise giving (what’s useful now—and what changes in 2026)
Year-end steps (quick checklist)
Disclaimer: This article is for general education. Tax, legal, and investment rules vary depending on the situation. Before acting, confirm details with your CPA/EA, attorney, and financial advisor—especially QCD eligibility (age 70½, qualified charities, no DAFs/private foundations), current 2025 limits, the one-time IRA-to-CGA/CRT option, and documentation/appraisal requirements.
A final word about spirit: Jonathan believed money should make life better—with less fanfare and more impact. Keeping our giving practical and kind is a fitting tribute to his legacy—and a gracious way to express our thanks.
We especially need to give these coming days, as many in our communities need help with Food and the like. Keep these important articles coming.
Thanks
Thank you so much for your thoughtful note. You’re absolutely right—these days, especially, so many in our communities are struggling with basic needs like food, and our generosity can make a real difference. I’m grateful you’re thinking along those lines, and I’ll do my best to keep writing pieces that encourage thoughtful, practical giving.
If you are interested in donating appreciated investments, and they are only part of a holding, make sure you donate those with the highest gain, usually the ones you have held the longest. For example, if you’ve been in a mutual fund for decades, you can usually go online to find and designate the exact shares you want to be part of your donation. This will be very important for tax purposes, for the year in which the donation is made, but even more so for the future.