“Do your giving while you’re living so you’re knowing where it’s going.”
It’s a phrase we often share with clients as they plan their estates. And it holds powerful, biblical wisdom: if possible—if affordable—give now.
Many families find great joy in knowing that their hard-earned resources, built through years of sacrifice and wise stewardship, will one day bless their children, grandchildren, church, or other causes they care deeply about. But too often, that generosity is only experienced after they’re gone.
Giving after you pass is generous. Giving while you live? That’s impactful.
When you give during your lifetime, you get something rare and beautiful: the chance to witness the impact. You see firsthand the difference your giving makes—to the people you love and the ministries you support. Imagine the joy of:
- A grandparent easing the burden of college tuition
- A father helping his daughter launch a small business
- A mother furnishing her son’s first home
- Or simply giving a loved one the breathing room to make ends meet
When you give while you’re living, you’re not just transferring dollars—you’re offering hope, opportunity, and love. You’re giving encouragement. And most of all, you’re giving of yourself. That is your legacy.
A Legacy You Can See
Giving now doesn’t diminish the value of leaving an inheritance later. Instead, it allows you to live out your values in real-time. It reflects a biblical perspective of stewardship—trusting that God has provided for you so you can bless others now, not just someday.
Understanding the Gift Tax Exclusion
There are also practical financial considerations when it comes to lifetime giving. As of 2025, you can gift up to $19,000 per person per calendar year without triggering federal gift tax—that’s the annual gift tax exclusion.
Beyond that, there are lifetime estate and gift tax exclusions that may allow for larger gifts, but it’s wise to consult your CPA or estate attorney before making decisions in this area. They can help you navigate tax rules and gifting strategies that align with your financial plan and spiritual priorities.
A Thoughtful Stewardship Strategy
Besides the joy of seeing your gifts in action, lifetime giving can potentially:
- Reduce future inheritance or estate taxes
- Lower your taxable income in certain scenarios
- Minimize long-term care costs
- Streamline the distribution of your estate
But above all, it’s an act of love—a tangible way to invest in your family’s future and your church’s mission today.
What Will Your Giving Legacy Look Like?
God has entrusted you with resources not only to provide for your own needs but to bless others. If you’re in a position to give now, prayerfully consider how your gifts could make a difference—not just financially, but spiritually and emotionally.
“Do your giving while you’re living so you’re knowing where it’s going.”
We’d be honored to help you explore ways to incorporate lifetime giving into your overall financial plan.
Schedule a conversation with a CCI advisor today to take the next step in wise, impactful stewardship.
Securities offered through LPL Financial, Member FINRA/SIPC.
This material is for general informational purposes only and is not intended to provide specific investment advice. Investing involves risk, including potential loss of principal.
