Are You Donating Wrong? How Donor-Advised Funds Maximize Your Charitable Deductions

If you're already giving to charity, you're leaving thousands of dollars in tax deductions on the table. What is a donor-advised fund and why should you care? Mike sits down with Adam Nash, CEO of Daffy, to break down how Donor-Advised Funds (DAFs) work and why they can be a powerful tax strategy for business owners and high-income earners. If you regularly give to your church, your kids’ school, your alma mater, or other charities, this episode shows you how to give more strategically, reduce taxes, and increase your impact. 👉 Ready to turn your charitable giving into a real tax strategy? Open a donor-advised fund with Daffy and start giving more strategically today: 👉 Get the Free Tax Savings Starter Kit Built for Small Business Owners: 🚀 Book your free demo call today. Click here or visit: Chapters (00:00) What Is a Donor-Advised Fund? The basics: how DAFs work as a tax-advantaged account for charitable giving, similar to a 401(k) for retirement. (04:45) Tax Deduction Limits: 60% for Cash, 30% for Stock How much you can deduct from your AGI and why bonuses, windfalls, and liquidity events are ideal times to use a DAF. (06:30) Why DAF Donations Are Irrevocable (One-Way Trip) Understanding that donor-advised funds are 501(c)(3) charities and why you cannot take the money back. (09:00) The Double Tax Win of Donating Stock How donating appreciated stock gives you a full market value deduction and eliminates capital gains taxes. (11:30) The New 0.5% AGI Floor and Bunching Strategy How the recent tax law created a deduction floor and why bunching multiple years of giving into one high-income year makes sense. (15:00) How to Actually Use a DAF Day-to-Day The mechanics of contributing, distributing to multiple charities, and setting up recurring donations. (20:45) Setting Up a DAF in Under 60 Seconds The simple setup process, Daffy's flat monthly fee structure, and how it compares to percentage-based pricing models. (28:30) Investment Options and Portfolio Control How donated funds are invested tax-free and what level of control donors have over portfolios. Podcast Host: Mike Jesowshek, CPA – Founder and Host of Small Business Tax Savings Podcast Join TaxElm: 🚀 Visit: 🚀 Check Out TaxElm: 🚀 Join our Free Facebook Group: 🚀 YouTube: 👋🏼 GET IN TOUCH You can Tweet @MJesowshek with any feedback, ideas, or thoughts about the lessons you've learned from the episodes. We want to thank you personally for tuning in 🙏 🙌LEAVE A REVIEW If you enjoy the podcast, please leave a 5-star review on Apple Podcasts or Spotify—it helps more business owners find the show ⭐ 🎙 ABOUT THE PODCAST The Small Business Tax Savings Podcast is your go-to resource for cutting-edge tax strategies to help entrepreneurs legally slash their tax bills. Hosted by Mike Jesowshek, CPA, this show breaks down complex tax topics into clear, no-fluff insights so you can keep more of your hard-earned money.

You can listen to Are You Donating Wrong? How Donor-Advised Funds Maximize Your Charitable Deductions online on Radio and Podcast. Open the player on this page to stream the available audio.

Are You Donating Wrong? How Donor-Advised Funds Maximize Your Charitable Deductions is an episode from Small Business Tax Savings Podcast by Mike Jesowshek, CPA.

This episode is 34:18 long.

This episode was published on Feb 11, 2026.

Yes. Use the heart button on the episode page to add it to your favorite episodes list.

Yes. This page shows related episodes from Small Business Tax Savings Podcast when more episodes are available from the podcast feed.