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Question

Lin and Derek are a married couple, and consistently have adjusted gross income between $$100,000$ and $$125,000$ the last $5$ years and anticipate no decrease in the next $10$ years. In January of this year, they made all their annual charitable contributions to maximize their deduction based on guidance from their CPA.$$

In August of this year, a favorite niece received a diagnosis that may result in premature death. They want to immediately support research into cures for the disease. Neither can agree on what to do about the three charities they routinely support. Lin and Derek ask for guidance on the most tax advantage method to use a $$150,000$ high$-$yield savings account they have dedicated to philanthropy. What recommendation would achieve the clients$$ goals?