Charitable Gifting

Charitable giving is becoming an increasingly central focus for many people as they plan their financial futures. More than just a financial consideration, it offers a unique opportunity to support causes that reflect your personal values while also providing tangible financial and tax benefits. At Cantor Fitzgerald Ireland, we believe that giving with intention can create a meaningful legacy, one that supports both your philanthropic goals and your overall wealth strategy.

Incorporating charitable donations into your financial plan can take many forms, whether through lifetime gifting or bequests made in your Will. Gifts made during your lifetime may offer various tax incentives, while charitable bequests are generally exempt from Capital Gains Tax (CGT) and Capital Acquisitions Tax (CAT). Strategically including these in your estate plan can reduce the taxable value of your estate, ease the financial burden on your loved ones, and ensure your generosity continues well beyond your lifetime.

To ensure these contributions are as effective as possible, it’s vital to consider how they align with your broader estate and financial planning goals. Tax treatment varies based on individual circumstances and regulations, which can change over time. Seeking professional tax advice is vital, as it ensures your charitable strategy is not only compliant but tailored to achieve maximum impact and is appropriate, both for the causes you support and your personal financial situation.

Wealth Planning

While charitable gifting is a powerful tool, it works best when integrated into a comprehensive wealth plan. Financial planning can often feel complex and overwhelming, but with a clear and structured strategy, it becomes a powerful way to take control of your future. Whether you’re looking to prepare for retirement, or secure your family’s financial future, having a well-structured plan in place is essential. A solid financial plan not only provides clarity but also ensures that your goals are met efficiently and sustainably

At Cantor Fitzgerald Ireland, we start the planning process by understanding your financial situation in detail. We work with you to explore and prioritize your goals, including how philanthropy fits into the bigger picture. From there, we develop actionable recommendations and guide you through the process of implementing a strategy that aligns with your aspirations. Our aim is always to simplify complex financial decisions and help you build a future that reflects your values and ambitions.

Keep It Relevant

As life evolves, so too should your financial plan. Whether your wealth is transitioning to the next generation or towards charitable endeavours, regular reviews are essential to keep your plan aligned with current laws, market conditions, and personal milestones. What worked five years ago may not be the best fit today.

Our proactive approach ensures your financial strategy remains flexible and future-proof. By regularly revisiting your plan, you can be confident that your wealth continues to serve a meaningful purpose, protecting your legacy, supporting your family, and making a lasting difference in the world.

At Cantor Fitzgerald Ireland, we are here to help you craft a financial journey that is not only financially sound but also rich in purpose.

Written by Marta Pelc, Pensions Advisor, Cantor Fitzgerald Ireland

Reproduced in partnership with Philanthropy Ireland

This is a marketing communication

Cantor Fitzgerald Ireland Ltd is regulated by the Central Bank of Ireland and is a member firm of Euronext Dublin and the London Stock Exchange