In this episode of Coffee With Your Retirement Coach, we’re continuing the conversation around intentional generosity and smart tax planning with Charitable Remainder Trusts (CRTs). Building on our last episode, we dive deeper into how these trusts can transform your giving strategy while creating powerful tax and income benefits. Whether you’re a generous giver, a savvy investor, or both, this episode is packed with strategies to help you build a lasting legacy and minimize your tax burden.

We share real-life client stories, break down the components of CRTs, and explore how combining them with Roth conversions can dramatically reshape your retirement plan. You’ll also hear us discuss tools like donor-advised funds and the vital role collaboration between financial planners, CPAs, and attorneys plays in making it all work. If generosity and tax savings are part of your future, you don’t want to miss this one.

Episode Timeline

[0:00] - Welcome back and celebrating Marietta’s culture of generosity

[2:15] - Why Charitable Remainder Trusts (CRTs) are ideal for the “middle-class millionaire”

[3:00] - CRT benefits: tax deductions, Roth conversions, income, and legacy impact

[5:10] - Demystifying trusts and how CRTs aren’t just for the ultra-wealthy

[6:30] - Real-life example: Jim and Margot’s CRT strategy and $600k Roth conversion

[10:12] - How CRTs provide living benefits and leave a charitable legacy

[12:20] - Using donor-advised funds for flexibility and multigenerational giving

[14:35] - Why execution matters: the need for experts and coordination

[17:45] - Strategic planning for tax-free income and generational wealth

[20:10] - Setting goals for your “tax matrix” and long-term tax-free strategies

[21:00] - Why coordinated planning between professionals is how you win

Links & Resources

• Contact our team: connect@yourretirementcoach.com
• Learn more: Your Retirement Coach Website
• About Donor-Advised Funds: National Philanthropic Trust

If this episode inspired you to rethink your giving or tax strategies, share it with someone who needs to hear it! And don’t forget to rate, follow, and leave a review—we’d love to hear how this helped your financial journey. Stay generous, and as always, stay coachable.

🛑 Disclaimer: Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.