Your Guide to Year-End Giving
This community is so generous. So caring, true, smart, compassionate, and connected. As 2025 comes to an end, we are celebrating the small and large wins that generosity has made possible. Thank you.
Now is the perfect time to review your giving plans, take advantage of tax benefits, and continue investing in the causes that inspire you. The Community Foundation is here to help.
Smart
Bundle your giving: Under OBBBA and starting in 2026, charitable deductions for itemizers will only apply to the portion of contributions that exceed 0.5% of adjusted gross income. You may wish to bunch or front-load giving in 2025 to maximize tax benefits.
Give Appreciated Stock: Giving long-term appreciated assets is often one of the most tax-savvy ways you can support your favorite charities, allowing you to avoid capital gains tax while receiving a tax deduction for the full fair market value.
IRA Distributions: If you’re 70½ or older, consider a Qualified Charitable Distribution (QCD) into eligible funds like Community Impact, field of interest, scholarship, or designated funds (reminder: all types of donor-advised funds are ineligible per the IRS).
Brave
Oftentimes our challenges feel to big to solve alone. Good thing you don’t have to. The Community Impact Fund is the flexible resource our community can turn to again and again to meet needs, seize opportunities, and build a vibrant future, for all of us.
Here
You can give where you live, work, and love. Explore county-specific funds.
Make Your Giving Count in 2025
These reminders will help make year-end giving easy, effective, and stress-free:
- Mutual Funds: Gifts of mutual funds take more time to settle, so start the process by December 1, and make sure to notify us. Email StockProcessing@racf.org or contact Andrew Muldoon at 585.341.4360.
- Stock: Complete the transfer of stock gifts and alert us so we can properly credit your account. Gifts of marketable securities also need to be fully transferred by December 31. Privacy rules prevent some brokers from identifying donors. Email StockProcessing@racf.org or call Andrew Muldoon at 585.341.4360 with the stock name and share count.
- Grant Recommendations: Submit from donor-advised funds or Charitable Checking AccountsSM by December 19. Late requests will be processed as quickly as possible but may be distributed after January 1.
- Mailed Checks: Postmark by December 31 or drop them in our office mail slot for timely processing.