Economic shifts, inflation, and ongoing financial uncertainty have made 2025 a challenging year for many individuals and families. Yet even in these times, generosity continues to be a powerful force for good. As you consider your charitable giving this year, evaluating the assets you contribute, such as cash or appreciated stock, can help you give wisely while supporting the organizations you care about most.

At the Community Foundation of Greater Flint (CFGF), we’re here to answer your questions and help you make a lasting impact. Here are a few common questions we’ve heard recently:

Should I give stock?

If preserving cash is a priority, donating long-term appreciated stock may be a smart option. By transferring publicly traded securities directly to a donor-advised fund or other fund at CFGF, you may avoid capital gains tax and receive an income tax deduction based on the stock’s fair market value.

Once received, we can sell the securities tax-free, maximizing the resources available to support your charitable goals. Even in a fluctuating market, many people hold appreciated assets that can be put to good use in the community.

Should I give cash?

If your investments have declined or you're taking a more conservative approach this year, contributing cash may be a better fit. Donating cash allows your portfolio time to recover and still enables you to support the causes you value.

When you contribute to a fund at CFGF, you can organize your giving in one place, making it easier to track contributions, recommend grants, and prepare for tax season.

How can my donor-advised fund help during uncertain times?

Donor-advised funds offer flexibility and stability for your charitable giving. With a donor-advised fund, you can receive an immediate tax deduction and recommend grants over time, empowering you to give consistently, even as your financial circumstances change.

Many fundholders appreciate having a dedicated reserve for charitable giving that allows them to respond to emerging needs, support trusted organizations, and make thoughtful decisions year-round.

What else should I consider when planning my giving?

Strategic giving is more important than ever. Nonprofits across Genesee County are working diligently to address urgent needs while developing long-term solutions, and your support enables them to do both.

Whether you want to address immediate challenges or create a lasting legacy, CFGF can help you develop a personalized giving plan that reflects your values and vision for our community.

Let’s make a difference—together.

At the Community Foundation of Greater Flint, we believe that generosity is a force for stability, hope, and progress. If you have questions or want to explore your giving options, we’re here to help. Let’s connect and chart a path forward—one that supports the community we love.