Areas of Expertise  •  05

Charitable Planning

Farm families have always taken care of their neighbors, their church, and their rural communities. A structured charitable plan turns that generosity into lasting impact while cutting your tax bill along the way.

Overview

Give with Purpose. Give with Strategy.

The people who built American agriculture have always given back. The volunteer fire department, the 4-H chapter, the church building fund, the rural hospital. The question is not whether you will give. The question is whether your giving is structured to do the most good for the causes you care about and the heirs you leave behind.

True Legacy Inc uses life insurance, charitable trusts, and donor-advised funds to help farm families and business owners give meaningfully to charity while still transferring most of their wealth to their children and grandchildren.

"A well-built charitable plan lets you take care of your family, cut your estate tax bill, and support the causes you believe in, all at once."

Our approach starts with what matters to you. From there, we coordinate with your CPA, attorney, and financial advisor to design a plan where the IRS covers part of the bill and your family keeps more of what you built.

Strategies We Use

Six Tools for Smart Giving

01

Charitable Remainder Trusts

Transfer appreciated farmland or business stock into a trust, receive an income stream for life, and leave the remainder to charity. You get a tax deduction today and avoid the capital gains hit on a sale.

02

Donor-Advised Funds

A simple, flexible way to set aside charitable dollars in a high-income year, take the deduction now, and recommend grants to your church, school, or hometown charity over time.

03

Gifts of Appreciated Assets

Gifting grain, livestock, or a slice of farmland directly to charity avoids capital gains tax and delivers a deduction based on full fair-market value. A better outcome than selling and donating the cash.

04

Wealth Replacement Life Insurance

When a portion of your estate goes to charity, a life insurance policy inside an irrevocable trust replaces the value for your children, often on a tax-free basis.

05

Private Family Foundations

For families with a long-term giving mission, a private foundation passes values and dollars to the next generation, keeping the family name tied to causes you chose together.

06

Zero Estate Tax Design

A coordinated charitable and insurance strategy aims for a zero federal estate tax outcome while still passing the majority of your wealth to your heirs and the rest to the causes you support.

Why It Matters

Your Values Built This Farm.

The habits of hard work, faith, and community support shaped the operation you run today. A charitable plan written into your estate documents carries those values forward long after the auction rings and the crop is harvested.

Done right, charitable planning is a three-way win. Your family keeps more wealth. The causes you care about get a real, funded commitment. The tax bill drops to a level you control, not one the IRS dictates.

Our promise is simple. Every charitable plan we build is tailored to your family and your values. We do not push templates. We coordinate with your advisors, write the plan to your goals, and stay with you as life changes.

Start the Conversation

Make Your Generosity Count.

Schedule a complimentary review. We will look at the assets in your estate, the causes you support, and show you how a structured plan keeps more for your family and gives more to the places you care about.

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Disclosures

Financial Strategies Group, LLC is not a legal or tax advisor. This communication may contain federal tax information which is not a covered opinion as defined by Circular 230 and is limited to the federal tax issues addressed herein. Additional issues may exist that affect the federal tax treatment of the transaction. The communication was not intended or written to be used, and cannot be used, or relied on, by the taxpayer, to avoid federal tax penalties. Please consult with your legal, accounting, or other tax advisor prior to taking any action. Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 575, Littleton, CO 80120, 303-797-9080. FSG is not affiliated with The Leaders Group, Inc.  BrokerCheck  •  Conflicts & Disclosures  •  Client Relationship Summary