medium · Certified Financial Planner Retirement

A client, Mark Lambert, age 72, wants to make a charitable gift in 2026 and takes the standard deduction.

Which strategy provides a federal tax benefit by lowering his Adjusted Gross Income (AGI)?

  1. Contribute cash to a donor-advised fund to 'bunch' deductions next year. under the facts given in the stem
  2. Execute a Qualified Charitable Distribution (QCD) from his IRA to a public charity.
  3. Gift appreciated stock directly to the charity and claim the deduction.
  4. Sell the stock, pay the capital gains tax, and donate the cash proceeds.

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