Your generosity has the power to do more than support a cause—it can shape a legacy that carries your values forward. At Cardiff, Lee & Associates Wealth Management, we help you align your giving with a clear financial strategy, so every gift supports both the causes you care about and the future you’re building. Whether your focus is close to home in Penticton or across the Okanagan Valley, we make giving an intentional part of your plan—empowering you to create meaningful, lasting impact with clarity and confidence. We help you explore options like:
- Donating appreciated securities to bypass capital gains tax
- Establishing donor-advised funds for long-term, tax-smart giving
- Naming charities as life insurance beneficiaries
- Sequencing gifts to align with retirement income and tax strategies
Your generosity becomes part of a bigger financial picture—one where every dollar works harder, stretches further, and stays aligned with your broader life and wealth goals.
Donor-advised funds: simplicity with staying power
For many of our clients, donor-advised funds (DAFs) offer the best of both worlds: immediate tax benefits and long-term giving flexibility. You make a charitable contribution to the fund, receive a full tax receipt, and then recommend grants to your chosen causes over time. It’s ideal for those who want to give now but take their time choosing where and how the money flows.
We integrate DAFs directly into your plan, making it easy to align your giving with key financial decisions. It’s generosity with a plan—and a purpose.
Life insurance: multiplying your legacy
Life insurance can be a powerful tool for sharing your wealth in a way that far exceeds the size of your premiums. By naming a charity as a beneficiary—or donating the policy itself—you can create a significant, tax-effective gift that lives on long after you’re gone.
We help you explore options that work within your overall estate and retirement plan, ensuring your family is cared for while your values are honoured.
Tax efficiency that protects your lifestyle and your impact
Giving generously doesn’t mean giving up financial security. Our approach ensures your charitable giving supports your long-term financial well-being.
We coordinate tax planning across all your wealth streams: RRIF withdrawals, corporate income, pension income, and more. Timing your giving alongside these income events can reduce your overall tax burden, allowing you to give more without sacrificing personal goals.
Whether it’s maximizing charitable credits, structuring gifts across multiple years, or coordinating with your accountants and legal advisors, we handle the heavy lifting so your generosity feels effortless.
Charitable Giving Program
You’ve worked hard to get where you are today, and you may be thinking about the best approach to share your wealth. A carefully constructed giving plan helps create a legacy of giving that expresses your values and the causes you care about. Giving through the IG Wealth Management Charitable Giving Program is a streamlined, cost-effective alternative to a private foundation, but without the upfront costs and complexity. With simplified administration and tax-sheltered growth, regular grants can be provided to the charities that mean the most to you.
It begins with an initial contribution of $10,000 or more to open an account dedicated solely to managing your giving. With our help, you decide how the funds are invested and which charities are to receive grants. We’ll take care of the rest.
Tax-efficient and cost-effective—it’s a meaningful way to support the charitable causes you care about most—now and in the future.
Download our free brochure to learn more about IG’s Charitable Giving Program.