Monthly Archives: March 2026

Charitable Giving Strategy in a New Tax Era with Fred Kaynor

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Fred Kaynor, Managing Director at DAFgiving360™, outlines how donor-advised funds continue to play a central role in charitable planning as new tax rules take effect in 2026. He explains how DAFs allow donors to contribute cash or appreciated assets, receive an immediate deduction, and invest funds for potential tax-free growth before granting over time. Strategies like bunching and donating non-cash assets remain key tools for maximizing impact while managing tax exposure.

He also breaks down major provisions of the One Big Beautiful Bill Act, including the new 0.5% AGI floor for itemizers, limits on deduction value for top-bracket taxpayers, a universal deduction for non-itemizers that excludes DAF contributions, and the now-permanent 60% AGI limit for cash gifts to public charities. After a record year in 2025 with nearly $10 billion in grants, Kaynor shares why advisors remain critical in helping clients navigate these changes and give more strategically.

If you’d like to learn more about working with DAFgiving360 and the benefits to both you and your clients, review their online resources or request more information.

DAFgiving360™ is the name used for the combined programs and services of Donor Advised Charitable Giving, Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code.  

Contributions made to DAFgiving360 are considered an irrevocable gift and are not refundable. Once contributed, DAFgiving360 has exclusive legal control over the contributed assets. 

A donor’s ability to claim itemized deductions is subject to a variety of limitations depending on the donor’s specific tax situation. 

Contributions of certain real estate, private equity, or other illiquid assets may be accepted via a charitable intermediary, with proceeds transferred to a donor-advised fund (DAF) account upon liquidation. Call DAFgiving360 for more information at 800-746-6216. 

Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds. 

DAFgiving360 does not provide legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate.

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Protection and the Future of Retirement Planning with Tim Seifert

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Tim Seifert, Senior Vice President and Head of Retirement Solutions Distribution at Lincoln Financial, reflects on the lessons of 2025 and what they reveal about the retirement landscape heading into 2026. Seifert points to sustained market demand driven by Peak 65 demographics and heightened uncertainty as key forces reshaping advisor conversations. He explains why protection has moved from a defensive consideration to a central growth strategy, helping clients plan more confidently for income, longevity, and legacy.

Looking ahead, Seifert outlines the structural opportunities facing financial professionals, including record levels of cash on the sidelines, rising retirement account balances, and historically high levels of unprotected equity. He emphasizes the importance of clear communication, consistent education, and decisive action to deliver certainty during volatile periods. As industry consolidation accelerates, Seifert argues that advisors who lead with protection and purpose are best positioned to deepen client relationships, drive sustainable growth, and become indispensable to the clients they serve.

For more insights like this, please visit Blogs | Lincoln Financial.

Click here for more information about the Capital Group Dividend Value (CGDV) ETF

Disclosures:

All mentions of professional athletes are made in relation to the Becoming Necessary Series with Dr. Kevin Elko and refers solely to his work with the named professional football players. Lincoln Financial and Dr. Kevin Elko are not affiliated.

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index.

Lincoln fixed indexed annuities are issued by the Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

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