Ep. 16 - Charitable Giving: During Life and Beyond

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Estate Planning Isn’t Just a Will — and Getting It Wrong Can Cost Your Family Big Time. 💥

Charitable giving isn’t just generous — it’s smart financial planning.
In this episode of The Retire in BC Podcast, Arnold and Ben break down how to turn your giving into something far more impactful — for you, your taxes, and the causes you care about.

We cover:
🔥 Why donating cash is the least efficient method
📈 How donating securities can massively boost your giving power
🧾 The tax credit bands most Canadians get wrong
🏦 Using RRSPs, wills, and estate plans to structure meaningful legacy gifts
💡 Donor Advised Funds (DAFs): the “poor man’s foundation” that unlocks flexibility and long-term legacy
❤️ Real client stories that show how planned giving creates deeper impact

If you already give — or want to start — this episode shows how to do it intentionally, efficiently, and meaningfully.

====Timestamps====
00:00 Intro
02:00 Charitable tax credits
05:22 Basic strategies
15:29 Donating securities in-kind (avoiding capital gains tax)
25:27 Gifting from your fully taxable RRSP
28:11 Donor Advised Funds (DAFs)
39:24 Tie-ins with estate planning
41:15 Outro

Closed captions are auto-generated and may not be fully accurate. This podcast is for entertainment and general education only and is not personalized financial advice. Always consult a qualified financial professional before making financial decisions.

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