Don't Forget About Donor Advised Funds!

Our clients are potentially facing higher taxable income this year because of Roth IRA conversions. Even if we’re harvesting tax losses, only $3,000 can be used to offset conversion income. Coming up with additional deductions might be helpful, but might also lead to Alternative Minimum Tax. How can we help our clients lower their tax bills? A donor advised fund (DAF) may be the answer.

A DAF works like a “charitable IRA.” The donor contributes cash or appreciated securities to the fund and receives an immediate charitable deduction equal to the fair market value of the contribution. The fund can invest the proceeds, which can earn income on a tax-free basis. The donor can then recommend grants from the fund to pay out to qualified charitable organizations. The benefits of a DAF are many:

• Immediate tax deduction upon contribution to the DAF

• Tax-free earnings within the DAF

• A pool from which the donor can make contributions currently or in the future

Establishing and making significant DAF contributions this year can offset Roth conversion income. And, better yet, charitable contributions are not subject to Alternative Minimum Tax! If you have a client that normally makes charitable donations and is in a high tax bracket this year (because of Roth conversion income), recommending a DAF could make you a hero! You might even be a super-hero if your client has appreciated securities to donate!

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A Strategically Focused CE Curriculum

With classes approved for over a decade by the CFP Board, IWI, and NASBA, Advisors4Advisors CE classes are an optimal knowledge stream for CFP^®, CIMA^®, CPA, CPA/PFS^®, CFA^®, and other practitioners. It's not a grab bag of speakers willing to sponsor CE content. Nor is it a one-man CE course. It's a group of subject matter experts with amazing communication skills and a history of thought leadership that, together, give advisors a well-rounded knowledge system for running a professional practice ethically and intelligently.

CE Since October 2008

A4A CE classes for financial professionals began in October 2008, the week Lehman Bros. collapsed. Initially billed as “The Financial Crisis Webinar Series,” A4A connects advisors with authoritative sources on investing, tax, and financial planning, chosen by A4A Editor Andrew Gluck, a veteran financial reporter. A4A members get a stream of CE classes for an advisor who:

holds a CFP®, CIMA®, CPA, CPA/PFS, CFA or other designation requiring CE annually

values monthly CE classes by Fritz Meyer, Craig Israelsen, Frank Murtha, or Andrew Gluck

diversifies a core of client portfolios in low-expense funds

invests based on MPT and economic fundamentals

advises on tax and financial planning as well as investing

needs financial counseling skills

wants the Certified Financial Counselor™ designation

is building a brand as a thought leader locally or in a niche

wants the facts when bad news breaks

wants CE aligned with a content marketing system

wants 24/7 access to CE on-demand

insists on objective evidenced-based tax and investment planning analysis

MEMBER REVIEWS

William Desormeau, Jr.

It is not possible for me to overstate the cumulative value that Craig and Fritz have added for over 10 years to my investment advisory practice, as well as for personal and family financial planning. A4A gets my highest recommendation

Lynn Najman, CFP^®

I’ve subscribed to A4A since its inception, and always find it intellectually stimulating and on point. It’s one of the few CE solutions out there that doesn’t waste my time by pushing product or talking down to me.

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Pete Deacon, CPA, CFP^®

A4A has had a profound effect on my business. Since 2009, I’ve relied on the consistent messaging and updates to run my business successfully. Being able to present the information from Fritz, and Craig's ongoing CE webinars has been a significant benefit.

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Fredric Mayerson, MBA, PhD, CFP^®

I've been a financial professional and professor of finance for 35 years and find Fritz Meyer to be among the most engaging, incredibly knowledgeable, and experienced presenters I’ve encountered. They deliver an extraordinary amount of information in an extremely interesting way — sequentially and developmentally, utilizing pedagogical tools and techniques that few possess. A4A to is the most consistently excellent CE program available.

Ron Roge, MS, CFP^®

I’ve been attending A4A many years because the CE classes are outstanding, and my time is valuable. Though I have over 35 years of experience, I’m always learning something new on A4A. I attend fewer conferences now because the CE is generally not advanced. If you want to learn from the best, in a faster, easier, and less expensive way, I highly recommend A4A.

John R. Day, CPA/PFS^®

I’ve been a member since 2011 and never miss the monthly webinars with Fritz Meyer. I appreciate Fritz’s independent views on the economy keeps me updated on excellent planning ideas. A4A is a great value!

Norman Politziner, CFP

I wouldn't miss a Fritz Meyer webinar unless my pants were on fire. I've relied on Andrew Gluck's knowledge systems --client communications and CE -- for two decades. It's simply the best solution for tax, financial, investment, and risk-management professionals.^®

Dan Hawley, CFP^®

A4A, for over a decade, has been a great resource for useful and accurate information and CE. A4A and Advisor Products are bargains for an advisory practice.

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Kevin Brosious, MBA, CFP^®, CPA/PFS^®

I get CPA CE credit and CFP credit for the webinars. But not only that, the A4A content is terrific