Tax-Smart Ways to Donate to Charities with Dr. Barbara O’Neill

Hosts Dr. Brandy Baxter and Rachael DeLeon welcome longtime AFCPE member Dr. Barbara O’Neill to discuss changes in financial planning over 40 years, including increased automation and the uncertain readiness of AI, alongside AFCPE’s growing membership diversity. O’Neill defines tax-smart charitable giving as aligning donations with income-tax benefits and highlights additional psychological benefits of philanthropy. She shares strategies including qualified charitable distributions from traditional IRAs, bunching deductions to exceed the standard deduction, donor-advised funds, and new 2026 charitable deductions for non-itemizers, while noting shifting tax rules for itemizers. The conversation also covers older adults’ needs—lower risk, lower taxes, simplicity, reliable income, and “fun money”—popular later-life class topics, solopreneur advice, and the importance of making financial education simple and actionable. Show Notes: 00:00 Meet our guest, Barbara O'Neill 02:16 How Finance Has Changed 03:08 AI and the Human Touch 05:48 Tax Smart Giving Basics 14:41 Keeping Up With Tax Law 15:37 Giving Tips for Young Adults 17:57 Older Adults Money Needs 27:10 Late Life Entrepreneurship 33:01 Barbara's Two Cents Show Note Links: Check out MoneyTalk! Connect with MoneyTalk on Twitter! Explore the MoneyTalk blog! Grab your copy of Barbara's book! Want to get involved with AFCPE®? Here are a few places to start: Become a Member, Sign up for an Essentials Course , or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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Tax-Smart Ways to Donate to Charities with Dr. Barbara O’Neill is an episode from Real Money, Real Experts by AFCPE®.

This episode is 39:49 long.

This episode was published on Mar 17, 2026.

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