Year-end is full of opportunities to add value. As clients look to finalize tax strategies and charitable plans, donor-advised funds (DAFs) can help you bring clarity, efficiency, and lasting impact to the table. 

Here are six client scenarios to watch for where a DAF can be the perfect fit: 

1. Rebalancing or concentrated positions 

Contributing appreciated stock directly into a DAF avoids capital gains and creates liquidity for giving. It’s a smart way to align portfolio management with philanthropy. 

2. Windfalls or high-income years 

Bonuses, stock options, or other liquidity events can open the door for bigger tax deductions. A DAF contribution locks them in now while giving clients flexibility to support causes over time. 

3. Business exits 

For clients preparing to sell a business, establishing a DAF beforehand can reduce capital gains and create a lasting charitable legacy. 

4. Estate planning 

DAFs make it simple for clients to designate charitable gifts, reduce estate taxes, and involve family members in giving decisions. 

5. Multiple charitable commitments 

Instead of juggling several year-end donations, clients can make a single contribution to a DAF and recommend grants to multiple organizations. 

6. Family engagement 

A DAF also makes it easy to bring children and grandchildren into charitable decisions, passing on values and strengthening family bonds. 

Why this matters for advisors 

These scenarios are common at year-end, and recommending a DAF positions you as the advisor who: 

• Simplifies complex decisions 

• Delivers tax efficiency and flexibility 

• Keeps assets under your management 

• Builds stronger, long-term client relationships 

Finish the year strong 

There’s still time to help clients put DAFs to work in 2025. By acting now, you can turn year-end planning into an opportunity for strategy, generosity, and client loyalty. 

Ren is here to make it simple with the expertise and tools you need to integrate DAFs seamlessly into your practice. 

Talk to Ren’s experts today to get started, AskanExpert@reninc.com