As the year comes to a close, this is a reminder that there are just a few days left to make charitable gifts that count for this year’s taxes. Many of you have already completed your giving. If generosity towards family or charity is still part of your year end plans alongside holiday gifts, there is still time to act with intention.

At Hill Investment Group, we view giving as an extension of a long view, values driven plan. Credible giving means supporting what matters to you while being thoughtful about how and when you give. For those who are eligible, charitable gifts from an IRA can be an especially efficient way to give, particularly when required minimum distributions are already part of the picture. Donor advised funds also allow families to give appreciated assets and avoid capital gains tax.

Tax law changes beginning on January 1, 2026, may reduce the value of charitable deductions for some households. For families who are already planning to give, completing gifts this year can be a thoughtful way to align generosity with 2025’s tax laws.

If year end giving is already part of your plan, now is a natural time to bring it across the finish line. Send us a note at service@HillInvestmentGroup.com if you want help accomplishing your goals for this year.