Private Wealth
Giving structured so more of it reaches the cause
How you give often matters as much as how much. The right structure can increase the gift, reduce the tax cost and let a family stay involved for years.
Ways to give
Structures we work with
Gifts of securities
Donating appreciated securities in kind eliminates the capital gain and generates a receipt for the full value.
- In-kind transfers
- Capital gain elimination
- Corporate donations
Donor-advised funds
A simple alternative to a private foundation — one receipt now, grants directed over time, minimal administration.
- Immediate receipt
- Ongoing grants
- Family involvement
Insurance and bequests
A policy or estate gift can produce a much larger eventual donation than the annual cost of funding it.
- Charity as beneficiary
- Policy transfers
- Estate bequests
How we approach it
From intent to a funded plan
- Step 1
Define the intent
What causes, at what scale, and whether the family should be involved in the decisions.
- Step 2
Choose the vehicle
Direct gifts, a donor-advised fund, a foundation or an estate gift — matched to scale and appetite for administration.
- Step 3
Fund it efficiently
Selecting which assets to give, from which account, in which year.
- Step 4
Coordinate and review
Working with your accountant on receipt timing and revisiting the plan as circumstances change.
Plan your giving
Whether it is an annual amount or an estate gift, structure changes the result.
Investco Financial is licensed in British Columbia and Alberta for insurance and related financial services. Information on this page is general in nature and is not individual advice. Coverage, eligibility and tax outcomes depend on your own circumstances and the terms of the contracts issued.