CONTACT US
Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.
Advisor Name, designations
Financial Professional
Prudential Advisors
1060 Broadway #1160
Albany, NY 12204
Phone: 800-243-5334
Fax: 800-720-0780
Email: sales@ltmclientmarketing.com
Website: letstalkfinancialwellness.com
November/December 2025
Think About Charitable Giving at Year's End
Supporting a cause or charitable organization that's important to you may be high on your year-end to-do list. Before the ball drops and you bring out the hats and noisemakers, take time to identify charities that you want to receive your donations.
Choosing a Charity
Whether you want to support multiple organizations or causes or only one, your first step should be to visit the charity's website. Form 990, which tax-exempt organizations are required to file annually with the IRS, offers an overview of the organization's activities and governance and provides detailed financial information. It gives you a helpful snapshot of the charity's mission and finances.An Unbiased View
Sites such as Charity Navigator and GuideStar can help you evaluate a charity by showing you how much of your contribution is used to fund actual programs and how much goes toward administrative costs. Low administrative costs mean more money is available for the charity's mission. This information can be helpful when you're deciding between charities that support similar causes.IRA Contributions
If you're age 70. or older, you can donate to a charity by taking a qualified charitable distribution (QCD) of up to $108,000 from your traditional individual retirement account. You won't pay tax on the distribution as long as it goes directly from your IRA to the charity. IRA owners who are age 72 or older can use the QCD to fulfill their RMD requirement. Typically, a QCD is not included in adjusted gross income. However, other rules may apply. Donations charged to a credit card before midnight on December 31 will qualify for the tax deduction, even though you won't pay the bill until next year.Consult your tax and financial professionals for guidance with year-end charitable giving.
787072
Securities offered through LPL Enterprise (LPLE), Member FINRA/SIPC, and an affiliate of LPL Financial. “Prudential Advisors” is a brand name for the proprietary retail sales channel of The Prudential Insurance Company of America (“PICA”) and its insurance company and other affiliates (collectively “Prudential”). Prudential Advisors financial professionals are licensed insurance agents of Prudential. Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services through LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under “Prudential Advisors.” LPLE and LPL Financial are not affiliated with Prudential.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only. Prudential Advisors and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.